KR20090077876A - Method for setting up using limit of card - Google Patents

Abstract

A card limit setting method is provided to issue and deliver an online account-linked card in a non-facing mode, thereby providing various card services conveniently. A server confirms the real name confirmation state of online account information by connecting with a financial system(805). If an online account is an account of which the real name is not confirmed, card limit is set less than a specific amount of money. If the real name confirmation of the online account is completed, the card limit is set to the amount of money which is deposited to the online account. Information about the card limit set to the server is stored in a storage medium by connecting with card information.

Description

Method for Setting up Using Limit of Card}

1 is a diagram illustrating an online account registration system in the form of a virtual account according to an embodiment of the present invention.

2 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

* FIG. 5 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in a virtual account form according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

10 is a diagram illustrating an online account registration system that is temporarily processed in the form of a prepaid card according to another embodiment of the present invention.

11 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

12 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

13 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

14 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

15 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

16 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

17 is a diagram illustrating a real name verification process for an online account according to one embodiment of the present invention.

18 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

19 is a diagram illustrating a card issuing system for issuing an online account linked card according to an embodiment of the present invention.

20 is a diagram illustrating the configuration of online account linked card ledger information according to an embodiment of the present invention.

21 is a diagram illustrating an information providing process for issuing an online account link card according to an embodiment of the present invention.

22 is a diagram illustrating an information providing process for issuing an online account link card according to another embodiment of the present invention.

23 is a diagram illustrating a process of issuing an online account link card according to an embodiment of the present invention.

24 is a diagram illustrating a face-to-face confirmation system for limit adjustment through face-to-face verification of an online account link card according to an embodiment of the present invention.

25A and 25B illustrate a face to face verification process for an online account link card according to an embodiment of the present invention.

26A and 26B illustrate a face to face verification process for an online account link card according to another embodiment of the present invention.

27A and 27B illustrate a face-to-face verification process for an online account link card according to another embodiment of the present invention.

<Description of main parts of drawing>

100: web server 105: interface

110: interface providing unit 115: Web service unit

120: information receiving unit 125: information storing unit

* 130: information relay unit 135: storage medium

140: customer terminal 145: information processing server

150: information receiving unit 155: Gasingyu establishment

160: virtual account processing unit 165: Ga Shinkyu management unit

170: real name verification unit 175: new account processing unit

The present invention comprises the steps of storing in the storage medium by connecting the card information including the chargeable prepaid card (or virtual account) attribute that provides non-face-to-face financial transactions in the server unnamed state and the online account information opened through online, After confirming the real name verification status of the online account information associated with the card information in the server, if the real name of the online account is unidentified state, limit the utilization of the card to less than a certain amount, and set the If the real name is confirmed, using the card comprising the step of setting the utilization of the card to the amount of money deposited in the online account and storing the set utilization information in a storage medium in association with the card information in the server Also relates to a setting method.

With the rapid development of information and communication technology and the convergence of the above-described advanced information and communication technology and financial services, various online account services will be attempted to open and operate a predetermined account online without visiting a window. Is expected to involve a card issuing service that issues a card associated with the online account in a face-to-face manner.

However, when the online account link card is issued in a non-face-to-face manner, when the online account link card is used in the same manner as a card issued in a conventional face-to-face manner, side effects due to the non-face-to-face card issue are expected to occur. This includes a problem that may act as a fatal flaw in the online account service and the online account linked card service.

An object of the present invention for solving the above problems, the connection between the card information including the chargeable prepaid card (or virtual account) attribute that provides non-face-to-face financial transactions in the server unnamed state and the online account information opened through online Storing the data in a storage medium; and checking a real name verification state of online account information associated with the card information in a server, and if the real name of the online account is unidentified, the utilization of the card is lower than a specific amount. Limiting the setting, and if the real name of the online account is confirmed, setting the usage of the card to the amount deposited in the online account and storing the utilization information in association with the card information in the server. It also provides a card usage setting method comprising the step of storing in.

Card usage setting method according to the present invention, by connecting the card information including the chargeable prepaid card (or virtual account) attribute that provides non-face-to-face financial transactions in the server unidentified state and online account information opened through online Storing the data in a storage medium, and checking a real name verification state of online account information associated with the card information in a server, and if the real name of the online account is unidentified, limit the utilization of the card to a certain amount or less. If the real name of the online account is confirmed, setting the usage of the card to the amount deposited in the online account, and setting the utilization information in the server in association with the card information to the storage medium. Characterized in that it comprises a step of storing.

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 an online account registration system in the form of a virtual account according to an embodiment of the present invention.

In more detail, FIG. 1 shows an online account application information for opening an online account from a predetermined customer terminal 140 to a predetermined web server 100 through a predetermined network means. By providing the online account application information provided from the customer terminal 140 to a predetermined information processing server 145 provided at a predetermined financial institution at 100, the information processing server 145 is provided with the online account application information. As a system configuration for opening a corresponding online account, specifically, an online account in the form of a virtual account having a real account in which the online account is operated by a predetermined web server 100 operating institution (or a financial institution) is opened. It is a figure which shows the system configuration.

Those skilled in the art to which the present invention pertains, the virtual account form of the parent account of the real account operated by the web server 100 operating institution (or financial institution) by referring to and / or modifying the Figure 1 Although it is possible to infer an implementation method for a system for registering various types of online accounts in addition to the online account of the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an implementation method for a system for registering an online account in the form of a pseudo-new account which introduces the concept of a rechargeable prepaid card by referring to and / or modifying the drawing 1. It 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. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account whose real account is operated by an operating institution (or a financial institution) of the web server 100 may be used. , By accessing a predetermined web server 100 (e.g., a portal server, etc.) through a predetermined network means (e.g., real-name financial transactions and confidentiality laws and concurrent orders (Presidential Decree 15744) Customer terminal (1) requesting the registration (or opening) of the online account without verifying the real name of the financial account) and providing the online server application information corresponding to the registration (or opening) of the online account to the web server (100). 140 is connected to the customer terminal 140 through a predetermined network means to receive predetermined online account application information from the customer terminal 140 and receive the received online account. A web server 100 for providing information to an information processing server 145 provided at a predetermined financial institution, and the web server 100 is connected to the web server 100 through a predetermined communication means, and the online account from the web server 100. An information processing server 145 which receives the application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It has a financial system for managing the processed online account.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744) If it does, it is treated effectively.

According to the implementation method of the present invention, the financial system is in accordance with 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. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

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

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 140 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access to the server 100, and receives a variety of application services provided by the web server 100.

Here, the wired terminal connected to the wired communication network among the customer terminals 140 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The web server 100 is a search service including at least one information / content to the customer terminal 140 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 140 is sold to (or requested to be opened) to at least one or more customers online by the financial institution. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 100 is at least one user interface for the customer to apply for (or purchase) the financial product (eg, the online account) through a network means including the wired and / or wireless communication network To the customer terminal 140, wherein the customer terminal 140 inputs (or selects) the predetermined online account application information through the user interface to establish the wired communication network and / or the wireless communication network. It characterized in that the transmission to the web server 100 via a network means including.

To this end, the client terminal 140 outputs at least one user interface provided from the web server 100, and inputs and / or selects at least one online account application information through the user interface to the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one or more online account application information through the user interface. Since the features of the customer terminal 140 corresponding to at least one or more wired terminals and / or wireless terminals to be selected and transmitted to the web server 100 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 140 through the network means.

According to an embodiment of the present invention, when the customer terminal 140 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and / Or at least one or more information by connecting a predetermined communication channel with the customer terminal 140 based on a protocol stack defined in the wireless network, using a communication protocol defined in the communication program provided in the customer terminal 140 It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 140, the interface unit 105 is connected to the client terminal 140 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 140 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 140 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 140 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 140 and using at least one communication protocol defined in a communication program provided in the customer terminal 140 to transmit and receive at least one information (or data). Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 140, the interface unit 105 is based on the CDMA protocol. And a communication channel, and transmit and receive a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, the web server 100 is connected to the web server 100 through a predetermined client terminal 140 and / or to apply for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 140 to input (or select) and transmit predetermined online account application information. A predetermined online account for inputting (or selecting) the interface providing unit 110 provided to the customer terminal 140 and the user terminal 140 through the user interface in cooperation with the interface unit 105. And an information relay unit 130 for receiving the application information and an information relay unit 130 for providing the received online account application information to an information processing server 145 provided at a financial institution through a predetermined communication means. It is characterized by losing.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 140, the search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one customer terminal 140 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 100 is applied for the online account received from the customer terminal 140 through the information receiving unit 120 for the post-management of the online account application information received through the information receiving unit 120. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 145 based on the online account application information on a predetermined storage medium 135. Characterized in that it further comprises a storage unit 125, wherein the online account issuing information is online account security information received from the customer terminal 140, the new provisions consent information (or new application information), Virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), etc. It is preferable.

The interface providing unit 110 has a function provided in the customer terminal 140 when a predetermined customer terminal 140 accesses the web server 100 and / or applies for an online account through the interface unit 105. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface 140 with the user interface 140 through the network means the user interface generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 105. It is done.

Thereafter, the client terminal 140 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the web server 100 through the network means. To send).

According to an embodiment of the present invention, when the customer terminal 140 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 may include a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by the user, and generates the generated (or predetermined web source D / B (not shown) through the interface unit 105. It is preferable to provide a user interface extracted from the) to the customer terminal 140.

According to another exemplary embodiment of the present invention, when the customer terminal 140 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 105. It is preferable to provide a user interface extracted from the) to the customer terminal 140.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined online account application information from the client terminal 140 in the web server 100 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 140 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 140, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account application information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 140 and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, the original account information for depositing a predetermined amount of money into an online account) deposited into the account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 100. desirable.

Thereafter, the customer terminal 140 selects at least one online account product to which the customer applies (or purchases) among the plurality of online account products through the user interface, and the online account product selection information, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. Send to 100.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. The method may further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity, and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 140 information on the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisional provisions (for example, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account); Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 140 is provided, the customer terminal 140 transmits the provisional processing agreement information (the provisional processing agreement information) through the interface. Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to further include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the client terminal 140, the client terminal 140 transmits the virtual account processing information through the interface. After inputting (or selecting), transfer the input (or selection) of the virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 140) outputting the financial transaction application terms and conditions information for processing the first financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are a financial transaction customer of a financial institution, the above interface may be omitted. Or, according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the inputted (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure 1, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, or a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 140. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 140, the customer terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

When the customer terminal 140 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 140 inputs (or selects) predetermined online account security information through the user interface and transmits the information through the network means, or the user terminal 140 sends the online account security information to the user. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 140 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 140 In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 140 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 140. In this case, the virtual account processing information is included in the online account application information and transmitted, and the information receiving unit 120 interoperates with the interface unit 105 to perform virtual account processing information including the mother account management institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 140 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 140. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the client terminal 140 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 140, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay 130 and / or. Or to the information storage unit 125.

The information storage unit 125 includes the online account application information received through the information receiving unit 120 in an online account issuing information and stores the information in a predetermined storage medium 135. The server 100 (or the web server operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135.

When the online account security information is received through the information receiving unit 120, the information storage unit 125 stores the online account issuing information obtained by linking the online account security information to the online account application information. And the online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. And storing the online account issuing information linked to the information) in the storage medium 135, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 100 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information storage unit 125 processes the virtual account processing information in association with the online account application information. Characterized in that the online account issuing information is stored in the storage medium 135, the virtual account processing information is the financial real name of the online account in the web server 100 (or a financial transaction server using the online account) It provides a basis for processing at least one or more financial transactions using the online account based on a virtual account that is the parent account of the web server 100 operating institution (or financial institution) until confirmation.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 135, wherein the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is stored on the web. The server 100 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 125, if the predetermined online account corresponding to the online account request information is opened by the information processing server 145, the web server 100 (or The online account information opened by the information processing server 145 to process at least one or more financial transactions using the online account in the online transaction issuing information. It is preferable to replace the online account application information stored in the medium 135 or included in the online account issuance information with the online account information opened by the information processing server 145, thereby limiting the present invention. No.

Here, the online account information is included in the online account number in the form of a virtual account number generated by the provisional opening unit 155 and the virtual account processing unit 160 of the information processing server 145, and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server 100 operating institution information and the financial institution information that the online account is opened.

The information relay unit 130 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 145 provided in the financial institution).

Here, the communication means for connecting the web server 100 and the information processing server 145, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 145, and / Alternatively, the secure communication network (eg, the web server 100 encrypts the online account application information by a predetermined encryption method) to provide a secure communication function between the web server 100 and the information processing server 145. 145, and a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 145).

When the online account security information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying to the information processing server 145 provided at the financial institution, in which the online account corresponding to the product is opened, whereby the information processing server 145 transmits the web to the financial system provided at the financial institution. The server 100 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 120, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 145 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 145 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 120, the information relay unit 130 corresponds to the online account product through the predetermined communication means (for example, the online account). It is characterized in that the transmission to the information processing server 145 provided in the financial institution (in which the online account corresponding to the product) is opened, whereby the information processing server 145 allows the online account application customer to Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 120, the information relay unit 130 sends the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 145 provided at a financial institution corresponding to the product (for example, an online account corresponding to the online account is opened). An online account corresponding to the online account application information is opened in a financial account provided at a financial institution in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 145 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 145 establishes an online account in the financial system provided in the financial institution in a non-face-to-face manner in which the web server 100 processes the financial transaction using the online account.

According to another exemplary embodiment of the present invention, when the information processing server 145 is equipped with a web server 100 function and / or the information processing server 145 is a predetermined banking server, the information relay unit ( 130 connects and relays the customer terminal 140 and the information processing server 145 to thereby relay the online account application information (and / or a new provision) from the customer terminal 140 at the information processing server 145. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to provide a predetermined user interface for receiving the application information)), whereby the information processing server 145 is connected to the on-line from the customer terminal 140 via a predetermined network means. Account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face finance) It is possible to directly receive transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 145 relays at least one web server 100 and the information processing server 145, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 145 and / or relays the at least one web server 100 and the at least one information processing server 145. ) May be further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 145 is the online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the web server 100 via the communication means, and Information receiver 120 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) And a new provision opening unit 155 for opening a new online account corresponding to the online account application information received through the information receiving unit 120 in association with a predetermined financial system, and the online established with the new provision. The virtual account processing unit 160 for processing an account in the form of a virtual account of a real account operated by the web server 100 operating institution (or a financial institution) as a parent account, and the online account of the virtual account type is available. The real estate management unit 165 which manages before real name verification for a customer account holder and the real name of the customer who applies for the financial transaction for the online account opened as a new establishment corresponding to the online account application information within a predetermined real name verification period When the real name of the real name confirmation unit 170 and the online account opened as a new provision in response to the online account application information is confirmed, the new online account is processed as a new financial account. It is characterized by comprising a new account processing unit 175.

The information receiving unit 120 may provide online account application information (and / or provisional processing consent information (or provisional application information)) and / or online account security information provided from the web server 100 through the communication means. And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information)) is provided to the new provision establishment unit 155.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or online information provided from the web server 100 according to one embodiment of the present invention). When the financial transaction application information, and / or the virtual account processing information, and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are encrypted, the information receiver 120 the encrypted online account application information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information)).

The new provision establishment unit 155 may provide the online account application information (and / or provisional processing agreement information (or provisional application information)) and / or online from the web server 100 through the information receiving unit 150. If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, through a predetermined financial system, and / or In addition Is characterized in that it opens a new online account corresponding to the financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

Here, the new provision establishment unit 155 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 155 may be configured to provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 100, and / or online account security. Information based on information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in cooperation with the information system, and providing the result to the virtual account processor 160.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processing unit 160 is a parent account operating the online account (or online account ledger) opened by the new provision opening unit 155 in the web server 100 operating institution (or financial institution) It is characterized in that the processing into a virtual account.

According to the embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable that the real account operated by the web server 100 operating institution (or financial institution) is treated as a virtual account before the real name verification of the online account is performed. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account is the web. The server 100 may include virtual account ledger information (eg, ledger information including an account number conforming to the virtual account number system) using a real account operated by an operating institution (or a financial institution) in this case. It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. The present invention is not limited thereby.

Subsequently, the new provision management unit 165 manages the real account operated by the web server 100 operating institution (or financial institution) until the real name verification for the online account application customer is established as the new account as the parent account. It is characterized by operating by processing to a virtual account.

According to an embodiment of the present invention, the provisional management unit 165 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when the predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provision management unit 165 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest for the amount deposited in the online account is calculated through the financial system, the new management unit 165 operates the interest in the web server 100 operating institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form of the account as the parent account.

As described above, by processing the online account as a virtual account of the real account operated by the web server 100 operating institution (or financial institution) as a parent account, the new provision management unit 165 is financed until the online account is verified real name. Prevent violations of the Real Name Trade and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 170 is the law on the financial real name trading and confidentiality while the online account opened by the new provision establishment unit 155 is managed by the new provision management unit 165, According to the financial real name verification procedure corresponding to the Decree (Presidential Decree No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name checking unit 170 checks whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the on-line account applying customer in the institution), the real name verification unit 170 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the If the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 170 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the online account application customer), the real name verification unit 170 is a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 170 is provided in the financial system (or provided in the financial institution) to confirm the real name for the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 170 is a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 170 to verify the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 170 generates real name verification information for the online account application customer and provides the new account processing unit 175 to the new account processor 175. do.

Or, if the real name for the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 170 generates unreal name verification information for the online account request customer to the new account processing unit 175 To provide.

When real name verification information is provided from the real name verification unit 170 including the real name of the online account requesting customer within the real name verification period, the new account processing unit 175 is connected to the financial system. The online account processed as a new provision by the new provision opening unit 155 and / or the new provision management unit 165 may be treated as a valid new financial account.

According to an embodiment of the present invention, when real name verification information is provided from the real name verification unit 170 including the real name of the online account request customer confirmed within the real name verification period, the new account processing unit 175 Is valid for all financial transactions on the online account processed by the new provision opening unit 155 and / or the new provision management unit 165 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 175 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 175 retracts (or re-transfers) the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system to the online account. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal preventing function by being processed into an account, the new account processing unit 175 may be configured as an external system provided in the financial system. Or by canceling the withdrawal prevention function of the online account processed with the virtual account with the withdrawal prevention function in association with the information system, and providing (or erasing) the virtual account function associated with the new account processing mother account. Preferably with the account, whereby the online account processed under the provisional provisions is transferred to a valid new financial account for all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 175 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 150 may set the online account opening date to the web server 100. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Or a date of receiving non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), or a date when the temporary opening unit 155 opens the online account on the financial system as a temporary opening. It is desirable to apply retrospectively as of the date.

2 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

* Figure 2 shows in more detail the ledger information stored in the predetermined ledger D / B 200 in the DBMS on the financial system shown in Figure 1 of the operating institution (or financial institution) of the web server 100 As shown in FIG. 2, the online account ledger information is stored according to the virtual account ledger information in a virtual account ledger having a real account as a parent account, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. Various information for storing online account ledger information according to the virtual account ledger information in a virtual account ledger which is a parent account of the web server 100 operating institution (or financial institution) in the ledger D / B. Although the construction method may be inferred, the present invention includes all the implementation methods inferred above, 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 included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 200 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. 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.

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store the online account customer ledger information that registers the online account of the virtual account type associated with the parent account which is the real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial When the customer's ledger of the customer who opens the online account is already provided in the ledger D / B 200 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). At least one financial account of the financial account of the web server 100 operating institution (or financial institution) corresponds to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is desirable to.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to link relationally with the ledger.

The virtual account ledger may include a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 1 among at least one financial account corresponding to the web server 100 operating institution (or financial institution). The account ledger corresponding to the mother account is connected in a relational manner, wherein the virtual account ledger information includes an information structure including the mother account number and the mother account management institution information in addition to basic account ledger information such as the account ledger. Characterized in that made.

That is, as shown in FIG. 2, the online ledger information provided in the virtual ledger also preferably includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the configuration of the virtual account ledger information associated with the account ledger of the web server 100 operating institution (or financial institution), and Since it is possible to infer the online account ledger information configuration that follows the virtual account ledger information configuration, a detailed description thereof will be omitted for convenience.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 3 shows a web server through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B 300 provided in a DBMS on the financial system shown in FIG. 100) shows an information structure for linking a real account of an operating institution (or a financial institution) in the form of a virtual account, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or modify and link a predetermined online account ledger to the ledger D / B through a virtual account processing information in the form of a virtual account having a real account of an operating institution (or a financial institution) of the web server 100 as a parent account. Various information construction methods 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. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. 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.

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B 300 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., at least the account number corresponding to the account ledger, abstention (months), period (days), period extension, maturity date and target amount Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among an online account number and a financial account of the web server 100 operating institution (or financial institution). By including as the additional information the mother account number corresponding to the mother account, and the predetermined account information processing information including at least one or more of the mother account operating institution information (for example, Web server 100 operating institution (or financial institution) information) by And processing the online account into a virtual account having a financial account of the web server 100 operating institution (or a financial institution) as a parent account, wherein the virtual account processing information is the online account shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 140 on the registration system.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

The parent account operating institution information of the virtual account processing information preferably includes information of the web server 100 operating institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

4 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 4 shows a predetermined virtual account as shown in FIG. 3 in a predetermined online account ledger stored in a predetermined ledger D / B 400 provided in a DBMS on the financial system shown in FIG. Through the processing information, the real account of the web server 100 operating institution (or financial institution) is linked in the form of a virtual account having a parent account, and the new account processing information for processing a predetermined hidden account is further added to the online account ledger. As the information structure for cooperative processing is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to and / or modify this drawing 4 to store a predetermined online account ledger in the ledger D / B. Through the account processing information, a variety of information configuration methods for processing as a new account by linking a real account of the web server 100 operating institution (or financial institution) in the form of a virtual account as a parent account Would be chuhal, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 4.

Referring to FIG. 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B 400 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers, in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) who processes at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. 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.

According to an embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 100 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 100 operating institution (or financial institution) customer ledger information stored in the web server 100 operating institution (or financial institution) as a financial transaction customer, and shown in Figure 1 Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a mother account which is used as a real account of the web server 100 operating institution (or financial institution).

Here, the web server 100 operating institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, the customer opening the online account is the financial In the case where the customer ledger of the customer who opens the online account is already provided in the ledger D / B 400 as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is. Do.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 100 operator (or financial institution) is relationally linked with the customer ledger of the web server 100 operator (or financial institution). The at least one financial account of the financial account of the operating institution (or financial institution) of the web server 100 may be stored in a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 1 among the account ledgers of the web server 100 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among the online account number and the financial account of the web server 100 operating institution (or financial institution). By including as the additional information the mother account number corresponding to the mother account, and the predetermined account information processing information including at least one or more of the mother account operating institution information (for example, Web server 100 operating institution (or financial institution) information) by And processing the online account into a virtual account having a financial account of the web server 100 operating institution (or a financial institution) as a parent account, wherein the virtual account processing information is the online account shown in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 140 on the registration system.

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information is a financial account (or real account) of the account corresponding to the mother account for processing the online account as a virtual account among the account number of the operating institution (or financial institution) name of the web server 100. It is preferable to include the account number.

It is preferable that the mother account operating institution information of the virtual account processing information includes the web server 100 operating institution (or financial institution) information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 100 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 1 is a virtual account without real name verification, and the online account is opened for non-real name verification for account opening and financial transaction processing. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes predetermined false processing information as additional information.

The provisional opening unit 155 and / or provisional management unit 165 of the information processing server 145 shown in FIG. 1 are connected to the external system and / or information system provided in the financial system, and the online account Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provision processing information is stored in association with additional information corresponding to the online account ledger, and the new provision processing information is received from the customer terminal 140 on the online account registration system shown in FIG. It is preferably generated based on the online account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online ledger is provided in the form of a virtual account, as shown in FIG. 1, the provisional processing agreement information (or the provisional application information) is omitted in the online account registration process according to the intention of the person skilled in the art. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account of the virtual account type, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (400), when the real name of the online account application customer processed with the provisional provision is confirmed, the The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

In addition, a deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. When this deposit is made, as the amount information deposited into the online account, the real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, It may be stored in the form of additional information added to the customer ledger, and / or in the form of information contained in the ledger other than the online account ledger (for example, the customer ledger), whereby the present invention is not limited thereto. .

5 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined online account request user interface to the customer terminal 140, the user terminal 140 requests the online account request user interface. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 100, and the web server 100 receives the online account application information through a predetermined communication means. The process of providing to the information processing server 145 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, the customer terminal 140 by referring to and / or modified in this figure 5 However, various methods of providing the online account application information to the information processing server 145 through the web server 100 may be inferred. It includes all the additional implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 140 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 140, in addition to the online account application information in the customer terminal 140, the provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 140, the new provision processing consent information (or new provision application information), and / or online account security information, and / or financial transaction application information, / Or virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 145 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypted and transmitted face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 145 transmits the online account application information (and / or false transaction processing information (or false application information)). And / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Would be able to infer, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal 140 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505), wherein the web server 100 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal 140 While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Thus, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the online account subscription user interface is subscribed online from the customer terminal 140. Periodically checks if a predetermined online account request user interface is requested for the payment (510), if the financial product request interface is requested from the customer terminal 140 (515), the web server 100 is Generate a predetermined online account application user interface to be provided to 140 (or extract it from a predetermined web source D / B (not shown)) (520) and view the online account application user interface via the network means; Provided to the terminal (525).

Thereafter, the client terminal 140 inputs (or selects) predetermined online account application information through the online account application user interface (530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 140 transmits the online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

In addition, the online account security information is a predetermined PIN (Personal Identification Number) and / or customer wireless terminal for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate It is preferable to further include information, and the present invention is not limited thereby.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information that states that the online account is processed as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the verification of the financial real name for the online account) is output to the customer terminal 140, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 140 is provided, the customer terminal 140 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the client terminal 140, the client terminal 140 transmits the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Is not established, and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 140 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 140, the at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction Information on Internet banking subscription terms, wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.), and the customer agrees to the non-face-to-face financial terms and conditions. It is preferred to include an interface for inputting (or selecting) consent information and / or non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction to process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 140, the customer terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 135 may include the web server 100 (or a web server operator) and the information processing server 145 (or It may be omitted in accordance with the business alliance agreement between the financial institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 145 through a predetermined communication means (545), and the information processing server 145 transmits the web through the communication means. The online account application information provided from the server 100 is received (550).

6 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined online account request user interface to the customer terminal 140, the user terminal 140 requests the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 100, and decrypt the online account application information by the web server 100 The process of providing the online account application information to the information processing server 145 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modified to provide the online account application information from the customer terminal 140 to the information processing server 145 through the web server 100. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the online account request information is provided from the customer terminal 140 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 140, in addition to the online account application information in the customer terminal 140, the provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is the customer terminal 140, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and And / or a method of providing virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, those skilled in the art to which the present invention belongs, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 145 The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual account processing information, and / or The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is encrypted and transmitted, and the information processing server 145 transmits the online account application information (and / or false transaction processing information (or false information application information). And / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). Would be able to infer, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 6, the customer terminal 140 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605). At this time, the web server 100 provides the web-based service provided to the customer terminal 140 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 140. In order to periodically check whether a predetermined online account request user interface is requested (610), if the financial product request interface is requested from the client terminal 140 (615), the web server 100 is a predetermined security function Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (620), and provide the online account application user interface to the terminal through the network means; (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 140 by a predetermined encryption method and / or the online account application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the client terminal 140 inputs (or selects) predetermined online account application information through the online account application user interface (630), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 140 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (635), and transmit the encrypted online account application information to the web server 100 via the network means (640).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period in which the online account is processed and operated before the verification of the financial real name for the online account) is output to the customer terminal 140, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 140 is provided, the customer terminal 140 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 100 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 100 operating institution (or financial institution). In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one or more web server 100 operating institutions (or financial institutions), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) the virtual account processing information including the mother account operating institution information and the mother account information is provided to the client terminal 140, the client terminal 140 transmits the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) virtual account processing information to the web server 100 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Is not established, and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 140 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, Transmit the input (or selected) financial transaction application information to the web server 100 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Send to 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 140, the at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction Information on Internet banking subscription terms, wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.), and the customer agrees to the non-face-to-face financial terms and conditions. It is preferred to include an interface for inputting (or selecting) consent information and / or non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 140, the customer terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

The web server 100 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in a predetermined storage medium 135 (640).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 135 may include the web server 100 (or a web server operator) and the information processing server 145 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 145 through a predetermined communication means (645), and the information processing server 145 transmits the web through the communication means. The online account application information provided from the server 100 is received (650).

7 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

In more detail, FIG. 7 opens a predetermined online account based on the online account application information provided from the web server 100 in the information processing server 145 shown in FIG. 1, and sets the online account to the web server. (100) Process for processing a real account operated by an operating institution (or a financial institution) as a virtual account as a parent account, and those skilled in the art to which the present invention pertains, refer to FIG. 7 and / or Alternatively, based on the online account application information provided to the information processing server 145 shown in FIG. 1, a real account for operating an online account in the web server 100 operating institution (or financial institution) may be used as a parent account. Various implementation methods for processing with a virtual account may be inferred, but the present invention includes all of the inferred implementation methods, whereby the present invention is not limited thereto. The.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the information processing server 145. However, the present invention may be applied to those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent It is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 145. However, the present invention provides the information processing server 145 with the provisional processing agreement information (or Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 7, the information processing server 145 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 7, through the process shown in FIG. 4 and / or 5, predetermined online account application information (and / or provisional processing consent information) from the web server 100 shown in FIG. 1 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Is received, the server may send the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual The account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (700).

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 140 through a predetermined network means, thereby completing the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is linked to the financial system, and the real account operated by the web server 100 operating institution (or financial institution) is treated as a virtual account (725). .

According to an exemplary embodiment of the present invention, the server corresponds to a real account operated by the web server 100 operating institution (or a financial institution) to the provisional processing information added to the online account ledger as shown in FIG. By adding a mother account number, the virtual account which makes a real account which manages the ledger corresponding to the said online account opened by the said provisional opening establishment part 155 by the web server 100 operation institution (or financial institution) as a mother account It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. By linking the virtual account processing information including the mother account information in a relational manner, the web server 100 operating institution (or financial institution) corresponding to the ledger corresponding to the online account opened by the provisional opening section 155 It is preferable to process a real account to be used as a virtual account which is the parent account.

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B 400 where the online account ledger is registered as shown in FIG. It is preferable to treat the ledger corresponding to the online account opened by the provisional opening unit 155 as a virtual account whose mother account is the real account operated by the web server 100 operating institution (or financial institution). .

8 is a diagram illustrating a real name verification process for an online account according to an exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a real account operated by the web server 100 operating institution (or financial institution) through the online account registration system shown in FIG. 1 through the process shown in FIG. A process for performing a real name verification process for an online account processed as a virtual account to process a predetermined new financial account. Specifically, the name verification expiration date is automatically extended so that at least one or more through the online account is not required without real name verification. It is about how to continuously provide financial transactions.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 145 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The 800.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (810).

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server uses a virtual account that has a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (815), the server is associated with the financial system, the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (820), to continuously provide at least one financial transaction through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (825), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (830).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. If so, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, thereby providing the online. It is desirable to treat the account as a new financial account with a real name.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (835).

9 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates a real account operated by an operating institution (or a financial institution) of the web server 100 through the process shown in FIG. 7 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it as a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is converted into an original account (eg, The present invention relates to a method for retrieving a financial account (or another online account) in which a predetermined amount is transferred to the online account, and dormant processing the online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 9 to a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Various implementation methods for confirming the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following Figure 9, the information processing server 145 on the online account registration system shown in Figure 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The (900).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (905), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (910).

If the real name verification period for the online account has not elapsed in response to the online account application information (915), the server is a virtual account having a real account operated by the web server 100 operating institution (or financial institution) as a parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (915), the server, in connection with the financial system, the predetermined amount of money deposited in the online account corresponding to the online account application information Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (920).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (905), the server is linked to the financial system, the real account operated by the web server 100 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (925), and the online account is processed as a new financial account whose real name is confirmed in association with the financial system (930).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 100 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 100 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. If so, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, thereby providing the online. It is desirable to treat the account as a new financial account with a real name.

Subsequently, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (935).

10 is a diagram illustrating an online account registration system that is newly processed in the form of a prepaid card according to another embodiment of the present invention.

In more detail, in FIG. 10, if the user account 1040 provides online account application information to open an online account from a predetermined customer terminal 1040 to a predetermined web server 1000 through a predetermined network means, the web server By providing the online account application information provided from the customer terminal 1040 to the predetermined information processing server 1045 provided in a predetermined financial institution at (1000), the information processing server (1045) to the on-line account application information; As a system configuration for opening a corresponding online account, specifically, a system configuration for opening an online account of a rechargeable prepaid card concept that can be used without real name verification is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer an implementation method for a system for registering various types of online accounts in addition to the online accounts of the rechargeable prepaid card concept. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains can implement a system for registering an online account in the form of a virtual account with a predetermined real account by referring to and / or modifying the drawing 10. It 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. 10 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a rechargeable prepaid card includes a predetermined web server 1000 (e.g., a portal server (e.g. Portal server) to request the online account registration (or open) without real name verification, and provide the web server 1000 with predetermined online account application information corresponding to the online account registration (or open). A customer terminal 1040 and the customer terminal 1040 are connected through a predetermined network means to receive predetermined online account application information from the customer terminal 1040, and receive the received online account application information in a predetermined finance. Web server 1000 provided to the information processing server 1045 provided in the institution, and the web server 1000 is connected through a predetermined communication means from the web server 1000 An information processing server 1045 for receiving the account registration information and processing and opening an online account corresponding to the online account application information in the name of the customer based on the received online account application information; It is equipped with a financial system that manages online accounts processed as false.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, wherein the financial account is operated by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with 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. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM (e.g., a wireless data communication network based on a DataTAC / Mobitex method). Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one or more customer terminals 1040 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The server 1000 is connected to and provided with various application services provided by the web server 1000.

Here, the wired terminal connected to the wired communication network of the customer terminal 1040 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network. (Desktop) A computer and / or notebook, or a consumer terminal connected to the TCP / IP based network (eg, Set-Top-Box, etc.), or a kiosk connected to a TCP / IP based network. It is preferable to include at least one or more.

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

The web server 1000 is a search service including at least one information / content to a customer terminal 1040 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, at least one or more of the information provided by the web server 1000 to the customer terminal 1040 is sold to (or requested to be opened) to at least one or more customers online by the financial institution. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 1000 may include at least one user interface for the customer to apply (or purchase) the financial product (eg, the online account) through a network means including the wired communication network and / or the wireless communication network. To the customer terminal 1040, wherein the customer terminal 1040 inputs (or selects) the predetermined online account application information through the user interface to establish the wired network and / or wireless communication network. Characterized in that the transmission to the web server 1000 via a network means including.

To this end, the customer terminal 1040 outputs at least one user interface provided from the web server 1000, and inputs and / or selects at least one online account application information through the user interface to the web server. A function configuration (for example, a browser program and communication function or a predetermined communication program and communication function for communicating with the web server 1000, etc.) for transmitting to the 1000 is preferably provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1000 as described above, input at least one online account application information through the user interface, and Since the features of the customer terminal 1040 corresponding to at least one or more wired terminals and / or wireless terminals to be selected and transmitted to the web server 1000 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to the embodiment of the present invention, the web server 1000 is characterized by comprising an interface unit 1005 for connecting and managing a predetermined communication channel with the customer terminal 1040 through the network means.

According to an embodiment of the present invention, when the customer terminal 1040 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1005 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program provided in the customer terminal 1040 and connecting a predetermined communication channel with the customer terminal 1040 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1040, the interface unit 1005 may be connected to the client terminal 1040 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 1040 is provided with a communication program provided by the web server 1000, the interface unit 1005 establishes a communication channel with the customer terminal 1040 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 1040 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 1040 and for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 1040. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 1040, the interface unit 1005 may be configured based on the CDMA protocol. 1040 and a communication channel, and using a WAP / ME protocol defined in the browser program to transmit and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 10, the web server 1000 may access the interface unit 1005 when a predetermined customer terminal 1040 accesses the web server 1000 through the interface unit 1005 and / or applies for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 1040 to input (or select) and transmit predetermined online account application information. A predetermined online for inputting (or selecting) the interface providing unit 1010 provided to the customer terminal 1040 and the customer terminal 1040 through the user interface in conjunction with the interface unit 1005. An information receiving unit 1020 for receiving account application information, and an information relay unit 1030 for providing the received online account application information to an information processing server 1045 provided in a financial institution through a predetermined communication means. Characterized in that W is made.

In addition, the web server 1000 is interlocked with the interface unit 1005 to at least one or more customer terminals 1040, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 1015 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 1000 provides the web-based service to at least one customer terminal 1040 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 1000 is applied for the online account received from the customer terminal 1040 through the information receiving unit 1020 for the post-management of the online account application information received through the information receiving unit 1020. Information for storing online account issuance information including information or at least one or more online account information generated by the information processing server 1045 based on the online account application information on a predetermined storage medium 1035. Characterized in that it further comprises a storage unit 1025, wherein the online account issuing information is the online account security information received from the customer terminal 1040, the new provision processing agreement information (or new application information), rechargeable Include at least one prepaid card processing consent information, non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), etc. It is preferable to make it together.

The interface providing unit 1010 has a function provided in the customer terminal 1040 when a predetermined customer terminal 1040 accesses the web server 1000 and / or applies for an online account through the interface unit 1005. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 1000 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface 1040 through the network means the user interface generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 1005. It is done.

Thereafter, the customer terminal 1040 inputs (or selects) the online account application information based on the user interface, and inputs the input (or selected) online account application information through the network means to the web server 1000. To send).

According to an exemplary embodiment of the present invention, when the customer terminal 1040 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 includes a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generates the generated (or predetermined web source D / B (not shown) through the interface unit 1005. It is desirable to provide the user interface 1040 extracted from the customer terminal 1040.

According to another exemplary embodiment of the present invention, when the customer terminal 1040 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 1005. It is preferable to provide a user interface extracted from the) to the customer terminal 1040.

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined online account application information from the customer terminal 1040 in the web server 1000 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 1040 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 1040, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 1040, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into an online account) deposited into an account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. And / or an interface for inputting (or selecting) an address or the like and / or for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 1000. desirable.

Thereafter, the customer terminal 1040 selects at least one online account product to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account product selection information, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. Transmit to 1000.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1040, the customer terminal 1040 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 1040 information on the provisions of the provisions of the provisions of the provisional provisions and the provisional provisional processing period (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account). Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable to include an interface to make.

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 1040. For example, the interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1040 is provided, the customer terminal 1040 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is confirmed and operated under a new law, the user interface for inputting (or selecting) the online account application information is In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account processed by the new provision, the customer terminal 1040 by processing the prepaid rechargeable prepaid card by processing the online account with a predetermined prepaid card. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information to which the customer agrees to the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1040, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Afterwards, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the rechargeable prepaid card processing consent information is further included in the online account application information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And an interface for outputting financial transaction application terms and conditions information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. If you are an institutional financial customer, the above interface may be omitted. Depending on the, or one of ordinary skill in the intended but may be included in a non face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction request information) which specifies to the interface is.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the financial transaction application information through the interface, and then the Transmit the input (or selected) financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. In FIG. 10, for convenience, the financial transaction application information will be described as being included in non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), the user interface for receiving (or selecting) the online account application information is connected to the financial institution via the customer terminal 1040. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1040, the customer terminal 1040 may receive the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

When the customer terminal 1040 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 1020 cooperates with the interface unit 1005. And receiving the online account application information, and providing the received online account application information to the information relay unit 1030 and / or the information storage unit 1025.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 1040 inputs (or selects) predetermined online account security information through the user interface and transmits the information through the network means, or the user terminal 1040 transmits the online account security information to the user. When the transmission is included in the online account application information, the information receiver 1020 receives the online account security information in conjunction with the interface unit 1005, and relays the received online account security information to the information. To the unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1040 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the network means, or the customer terminal 1040. In the case where the provisional processing agreement information (or provisional provision application information) is included in the online account application information and transmitted, the information receiving unit 1020 is linked with the interface unit 1005 and the provisional processing agreement information (or And provisional application information), and provide the received provisional processing agreement information (or provisional application information) to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1040 inputs (or selects) predetermined charge prepaid card processing consent information through the user interface and transmits the data through the network means, or the customer terminal 1040 processes the rechargeable prepaid card. When the consent information is included in the online account application information and transmitted, the information receiving unit 1020 receives the rechargeable prepaid card processing consent information in association with the interface unit 1005, and the received rechargeable prepaid The card processing agreement information is provided to the information relay unit 1030 and / or the information storage unit 1025.

In addition, the client terminal 1040 inputs (or selects) predetermined financial transaction application information through the user interface and transmits the information through the network means, or the financial terminal application information is transmitted from the client terminal 1040. When the information is included in the online account application information and transmitted, the information receiver 1020 receives the financial transaction application information in association with the interface unit 1005 and relays the received financial transaction application information to the information relay. To the unit 1030 and / or the information storage unit 1025.

In addition, the customer terminal 1040 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal. In operation 1040, when the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information and transmitted, the information receiving unit 1020 may interwork with the interface unit 1005 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 1030 and / or. Or to the information storage unit 1025.

The information storage unit 1025 stores the online account application information received through the information receiving unit 1020 in a predetermined storage medium 1035 by including the online account issuance information, thereby storing the web. The server 1000 (or the web server operating institution) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 1035.

When the online account security information is received through the information receiving unit 1020, the information storage unit 1025 stores the online account issuing information obtained by linking the online account security information to the online account application information in the storage medium 1035. And the online account security information is used by the web server 1000 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1020, the information storage unit 1025 may apply the provisional processing agreement information (or provisional application) to the online account application information. And storing the online account issuing information associated with the information) in the storage medium 1035, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 1000 (or the online account). (Financial transaction server using the) provides a basis for processing at least one or more financial transactions using the online account until the financial real name verification for the online account.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 1020, the information storage unit 1025 may add the online account issuing information obtained by linking the rechargeable prepaid card processing consent information to the online account application information. And the rechargeable prepaid card processing consent information is stored in the storage medium 1035 until the financial real name of the online account is confirmed by the web server 1000 (or a financial transaction server using the online account). Provide a basis for processing at least one financial transaction using an account with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1020, the information storage unit 1025 may add the non-face-to-face financial transaction agreement information to the online account application information ( Or storing the online account issuing information linked to the non-face-to-face financial transaction application information in the storage medium 1035, wherein the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) is stored on the web. The server 1000 (or the financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 1025, when the predetermined online account corresponding to the online account application information is opened by the information processing server 1045, the web server 1000 (or the A storage medium further including the online account information opened by the information processing server 1045 in the online account issuing information in order to process at least one or more financial transactions using the online account in a financial transaction server using an online account. It is preferable to replace the online account application information stored in the 1035 or included in the online account issuance information with the online account information opened by the information processing server 1045, and the present invention is not limited thereto. .

Here, the online account information is included in the online account number in the form of a prepaid card number generated by the provisional opening unit 1055 and the prepaid card processing unit 1060 of the information processing server 1045 and the online account application information. It is preferable to include the account holder information corresponding to the customer information, the web server operating institution information and the financial institution information that the online account is opened.

The information relay unit 1030 may be configured to store the online account application information received through the information receiving unit 1020 corresponding to the online account product (for example, the online account product corresponding to the online account product) through a predetermined communication means. It is characterized in that the relay transmission to the information processing server (1045) provided in the financial institution (opened).

Here, the communication means for connecting the web server 1000 and the information processing server 1045 may be a dedicated communication network that blocks access by a third party other than the web server 1000 and the information processing server 1045, and / or Secure communication network that provides a secure communication function between the web server 1000 and the information processing server 1045 (for example, the web server 1000 encrypts the online account application information by a predetermined encryption method and the information processing server 1045). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 1045.

When the online account security information is received through the information receiving unit 1020, the information relay unit 1030 corresponds to the online account product through the predetermined communication means (for example, the online account security information). And relaying to the information processing server 1045 provided in the financial institution, in which the online account corresponding to the account product is opened, whereby the information processing server 1045 transmits the information to the financial system provided in the financial institution. The web server 1000 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1020, the information relay unit 1030 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 1045 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 1045 opens a new online account corresponding to the online account application information in a financial system provided in the financial institution.

When the financial transaction application information is received through the information receiving unit 1020, the information relay unit 1030 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 1045 provided in the financial institution (in which the online account corresponding to the product) is opened, whereby the information processing server 1045 is the online account application customer of the financial institution Although not a conventional customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 1020, the information relay unit 1030 corresponds to the online account product through the predetermined communication means. And relaying to the information processing server 1045 provided in the financial institution, where the online account corresponding to the online account product is opened, whereby the information processing server 1045 is provided with the financial institution. The system opens an online account corresponding to the online account application information in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1020, the information relay unit 1030 is the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 1045 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 1045 opens an online account in a non-face-to-face processing of the financial transaction using the online account in the web server 1000 in the financial system provided in the financial institution.

According to another exemplary embodiment of the present invention, when the information processing server 1045 is equipped with a web server 1000 function and / or the information processing server 1045 is a predetermined banking server, the information relay unit ( 1030 links and relays the customer terminal 1040 and the information processing server 1045 so that the information processing server 1045 may receive the online account application information (and / or a new code) from the customer terminal 1040. Processing Agreement Information (or Tentative Application Information), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Rechargeable Prepaid Card Processing Agreement Information, and / or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) It is possible to relay directly to provide a predetermined user interface for receiving financial transaction application information)), whereby the information processing server 1045 allows the customer terminal 1040 through a predetermined network means. From the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) directly, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, at least one web server 1000 and the information processing server 1045 may be relayed between the web server 1000 and the information processing server 1045, and / or the A predetermined relay server (not shown) which relays the web server 1000 and the at least one information processing server 1045, and / or relays the at least one web server 1000 and the at least one information processing server 1045. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 10, the information processing server 1045 may provide online account application information (and / or provisional processing consent information (or provisional application information)) provided from the web server 1000 through the communication means. And / or an information receiving unit for receiving online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 1020 and a new provision opening unit 1055 for opening a new online account corresponding to the online account application information received through the information receiving unit 1020 in association with a predetermined financial system, and the new provision opening. The prepaid card processing unit 1060 for processing a prepaid online account as a rechargeable prepaid card, and the prepaid prepaid credit card online account to manage the real name confirmation for the customer applying for the online account A new name management unit 1065 and a real name confirmation unit 1070 for confirming whether a real name of the financial transaction request customer is confirmed within a predetermined real name confirmation period for the online account opened in correspondence with the online account application information; When the real name of the online account opened as a new provision is confirmed in response to the online account application information, the new account processing unit 1075 for processing the online account opened as a new financial account is characterized in that it is made It is done.

The information receiving unit 1050 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 1000 through the communication means. And / or receive financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face) Financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 1055.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the web server 1000 according to one embodiment of the present invention. If transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 1050 applies for the encrypted online account. Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The new establishment section 1055 is the online account application information (and / or false information processing agreement information (or new application information), and / or online) from the web server 1000 through the information receiving unit 1050 If account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) are provided, Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance Read the transaction agreement information (or non-face-to-face financial transaction application information) and, through a predetermined financial system, the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / or Online accounts corresponding to line account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the new provision opening unit 1055 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: Agree to process / B with the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the rechargeable prepaid card processing agreement And / or at least one online customer account corresponding to the information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). To the account ledger includes a register (e. G., Received online account ledger corresponding to the application information) is characterized in that formed.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 1055 may be configured to provide the online account application information (and / or provisional processing agreement information (or provisional application information)) received through the web server 1000, and / or the online account security information. And / or external systems provided in the financial system based on financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure of opening the online account (eg, registering a predetermined online account ledger) in association with an information system, and providing the result to the prepaid card processing unit 1060.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 1060 is characterized in that the processing of the online account (or online account ledger) opened by the new establishment section 1055 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name transaction And withdrawal of a predetermined deposit amount (or recharge amount) without violating the Law on Confidential Security and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card processing unit 1060 as a rechargeable prepaid card is provided with a function of an interest rate linked prepaid card in which a predetermined interest is calculated in the charge amount.

According to one embodiment of the present invention, the prepaid card processing unit 1060 replaces the account ledger information included in the online account ledger with the chargeable prepaid card information, and the online opened by the provisional opening unit 1055. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 replaces the account number included in the online ledger with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, and links the account interest rate with the prepaid card. Replacing the interest rate with a personal identification number (PIN) for the rechargeable prepaid card, and replacing the account balance with a rechargeable prepaid card charge, thereby opening the opening established by the provisional opening unit 1055. It is desirable to treat your online account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 1060 performs relational processing of predetermined prepaid rechargeable prepaid card information in the online account ledger, and the online established by the provisional opening unit 1055. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By linking and storing rechargeable prepaid card information including a card PIN, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 1055 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 1060 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by the opening section 1055 with a rechargeable prepaid card.

For example, the prepaid card processing unit 1060 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN in a predetermined database linked to the ledger D / B in which the online ledger is registered, the online account (or online) opened by the provisional opening unit 1055. It is desirable to treat the ledger as a rechargeable prepaid card.

Thereafter, the new provision management unit 1065 is characterized in that by operating the online account opened as the new provision to the rechargeable prepaid card until the real name confirmation for the customer applying for the online account.

According to the method of the present invention, the provisional management unit 1065 is to charge the deposit amount in the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the online account through the financial system. It is characterized by processing.

In addition, the new provision management unit 1065 is to process the withdrawal amount to use the amount charged to the rechargeable prepaid card when a predetermined amount withdraws (or transfers) to the online account through the financial system; It is characterized by.

In addition, when the interest for the amount deposited in the online account (or charged in the rechargeable prepaid card) is calculated through the financial system, the pseudonym management unit 1065 charges the interest in the rechargeable prepaid card. It is characterized by.

By treating the online account with a rechargeable prepaid card as described above, the provisional management unit 1065 is a violation of the law and the concurrent act (Presidential Decree No. 15744) on financial real-name trading and confidentiality until the real name is verified. prevent.

The real name verification unit 1070 is the law and concurrent orders on the financial real name system transactions and confidentiality while the online account opened by the new provision establishment unit 1055 is managed by the new provision management unit 1065 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name checking unit 1070 checks whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the on-line account applying customer in the institution), the real name verification unit 1070 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the If the financial institution has implemented the real name verification process for the online account application customer), the real name verification unit 1070 is a public certificate based on the real name verification process defined in the wireless banking system for the online account It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account application customer is a conventional financial transaction customer for the financial institution, and the online account application customer is a telebanking and / or home banking corresponding to the financial institution, and And / or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the online account application customer), the real name verification unit 1070 is based on an accredited certificate defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is verified through the real name verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 1070 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 1070 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 1070 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 1070 generates the real name verification information for the online account application customer and provides the new account processing unit 1075 to the new account processor 1075. do.

Alternatively, when the real name of the online account application customer is confirmed within the predetermined real name verification period, the real name verification unit 1070 generates unidentified name information of the online account application customer to generate the new account processing unit 1075. To provide.

When the real name confirmation information is provided from the real name confirmation unit 1070, the real name confirmation information including the confirmation of the real name for the customer applying for the online account within the real name confirmation period, the new account processing unit 1075 in conjunction with the financial system The online account processed by the new provision opening unit 1055 and / or the new provision management unit 1065 as a new provision is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 1070 including the real name of the on-line account request customer is confirmed within the real name confirmation period, the new account processing unit 1075 Is valid for all financial transactions on the online account processed by the provisional opening unit 1055 and / or provisional management unit 1065 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 1075 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another exemplary embodiment of the present invention, the financial system is provided with a virtual account function for processing the new provisions, such that the amount deposited in the opened online account is linked with the online account. When transferred to the virtual account of the new account processing unit 1075 in conjunction with the external and / or information system provided in the financial system to the amount of money deposited in the withdrawal prevention virtual account to the online account (or re- And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as a provisional transaction is processed into a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function, the new account processing unit 1075 is processed by an account and / or an external system provided in the financial system. Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 1075 processes the online account as a valid new financial account capable of all financial transactions, the online account opening date is set by the information receiving unit 1050 by the web server ( 1000, the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information). , And / or date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or date of opening of the online account on the financial system by the temporary opening establishment unit 1055. It is desirable to apply retrospectively to either date.

11 is a diagram showing the configuration of online account ledger information according to an embodiment of the present invention.

More specifically, FIG. 11 stores an online account ledger in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. 10, and specifies the online account. The structure of the online account ledger information for processing with a new account of the company, specifically, by replacing the account ledger information included in the online ledger registered in the ledger D / B with the chargeable prepaid card information, the online ledger It is about an implementation method of processing an online account corresponding to a rechargeable prepaid card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information configuration methods for the online ledger of the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is 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.

According to another exemplary embodiment of the present invention, the provisional opening unit 1055 and / or provisional management unit 1065 of the information processing server 1045 shown in FIG. 10 may be provided with an external system and / or provided in the financial system. Incorporating information from the wireless account into the online ledger for processing at least one or more financial transactions in a non-face-to-face manner in financial transactions without an accredited certificate, and / or in the online ledger and / or the online ledger It is possible to include in the predetermined additional information associated with the present invention, thereby not limited.

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

The online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one (day), extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, in order to process the online ledger as a new account, the provisional opening unit 1055 and / or the new management unit 1065 of the information processing server 1045 shown in FIG. In connection with the external and / or information systems provided in the financial system, the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the real name verification period extension, and the deposit before real name verification for the online account It is characterized in that for generating the predetermined false information including the information, and processing the stored false information is linked to the additional information corresponding to the online ledger, characterized in that for storing.

In this case, the provisional processing information is generated based on the online account application information and / or the provisional processing agreement information (or the provisional application information) received from the customer terminal 1040 on the online account registration system shown in FIG. Preferably, when the provisional processing agreement information (or provisional application information) is omitted in the online account registration system shown in FIG. 10, the provisional processing information provided in the online account ledger is also omitted. Preferably, the present invention is not limited thereto.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further automatically extended by the period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with an account balance (eg, a chargeable prepaid card amount) of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 11, the prepaid card processing unit 1060 of the information processing server 1045 illustrated in FIG. 10 is connected to the external and / or information systems provided in the financial system, and recharges the online account ledger in advance. In order to process the card, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate, The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account until the customer confirms the real name of the online account, and the prepaid card number system of a financial institution equipped with the financial system is provided. It is preferable to include, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate until the real name verification of the online account, the real name processing after real name verification It is desirable to return the account password of the new financial account.

12 is a diagram showing the configuration of online account ledger information according to another embodiment of the present invention.

More specifically, FIG. 12 stores an online ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. The structure of online account ledger information for processing with a new account of the present invention, specifically, by linking and storing predetermined rechargeable prepaid card information in the online account ledger registered in the ledger D / B, the online account The present invention relates to a method of processing an online account corresponding to the ledger with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is 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.

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional opening unit 1055 and / or provisional management unit 1065 of the information processing server 1045 shown in FIG. 10 is connected to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the provisional processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed. The real name pre-deposit deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 12, the prepaid card processing unit 1060 of the information processing server 1045 illustrated in FIG. 10 is charged with the prepaid online account ledger in association with an external system and / or an information system provided in the financial system. In order to process the card, the account number, product type, interest rate, password, etc. included in the online ledger is deactivated, and the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid Rechargeable prepaid card information including a card PIN and customer wireless terminal information is characterized in that is stored in association with the additional information of the online ledger.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account until the customer confirms the real name of the online account, and the prepaid card number system of a financial institution equipped with the financial system is provided. It is preferable to include, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate until the real name verification of the online account, the real name processing after real name verification It is desirable to return the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

13 is a diagram showing the configuration of online account ledger information according to another embodiment of the present invention.

More specifically, Fig. 13 includes a predetermined ledger D / B 1300, which is provided in a DBMS on the financial system shown in Fig. 10, with a predetermined online ledger according to the conventional ledger information structure, and ledger D / B. The predetermined database 1305 associated with the online account ledger has provisional processing information and rechargeable prepaid card information associated with the online account ledger, so that the predetermined online account ledger conforming to the conventional account ledger information configuration can be charged. And an information structure to be processed by an online account ledger in the form of a new account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 13 to make the ledger D / B ( Various information structures for storing the above-mentioned provisional processing information and rechargeable prepaid card information associated with an online account ledger in a predetermined database 1305 associated with 1300. Would be able to infer the way, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 13.

In particular, FIG. 13 illustrates a case in which it is not easy to store the provisional processing information and / or rechargeable prepaid card information in a ledger D / B 1300 on a DBMS provided on the financial system (for example, a policy of a financial institution). If it is not easy to change the ledger D / B 1300 of a phase DBMS, or the system is not easy to expand due to the characteristics of the financial system), the pseudonym processing is performed in a predetermined database 1305 instead of the ledger D / B. A method of storing information and / or rechargeable prepaid card information and interworking the database 1305 and the ledger D / B is shown.

Referring to FIG. 13, the database 1305 stores the pseudo-processing information and / or rechargeable prepaid card information, wherein the pseudo-processing information and / or rechargeable prepaid card information is stored in the ledger D / B. And the CIF number matched with the customer ledger of the ledger information and the account number matched with the online account ledger in the provisional processing information and / or the rechargeable prepaid card information to be processed in connection with 1300. desirable.

In FIG. 13, the new provision processing information stored in the database 1305 includes an account number for the financial account, a new provision establishment date, a real name verification expiration date, a real name verification period extension, a deposit before real name verification, and the like. It is done.

In this case, the provisional processing information is generated based on the online account application information and / or the provisional processing agreement information (or the provisional application information) received from the customer terminal 1040 on the online account registration system shown in FIG. It is desirable to be.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (1300), when the real name of the customer applying for the online account processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

In FIG. 13, the rechargeable prepaid card information stored in the database 1305 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal information. Characterized in that made.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

14 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In detail, FIG. 14 illustrates that when the web server 1000 illustrated in FIG. 10 provides a predetermined online account request user interface to the customer terminal 1040, the user terminal 1040 provides the user account interface. Input (or select) predetermined online account application information through the predetermined network means to provide it to the web server 1000, and provide the online account application information through the predetermined communication means in the web server 1000. The process of providing to the information processing server 1045 provided in the financial institution, if the person of ordinary skill in the art to which the present invention belongs, the customer terminal 1040 by referring to and / or modified in this figure 14 However, various implementation methods for providing the online account application information to the information processing server 1045 through the web server 1000 may be inferred. It includes both embodiments in which the inference method, not limited by the exemplary method shown in the figure 14.

For example, in FIG. 14, only the online account application information is provided from the customer terminal 1040 to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1000 to the customer terminal 1040, in addition to the online account application information in the customer terminal 1040, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention provides the false new processing consent information (or false new application information), and / or online account security information, and / or financial at the customer terminal 1040 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 1000 in response to the security function provided in the communication means for connecting the web server 1000 and the information processing server 1045 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or false information processing consent information (or false information application) in the information processing server 1045). Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). It would be possible to infer an implementation method of decrypting)), but the present invention includes the implementation method inferred from above, and the present invention is not limited thereto.

Referring to FIG. 14, the customer terminal 1040 illustrated in FIG. 10 connects to the web server 1000 through network means including at least one or more wired and / or wireless communication networks (1400) and the web. At least one web-based service provided by the server 1000 is used (1405). At this time, the web server 1000 provides the web-based service provided to the customer terminal 1040 to the online account product according to the present invention. While providing online account product information for attracting online subscriptions for a certain online account, a user interface is provided.

Thus, while the web server 1000 provides at least one web-based service to the customer terminal 1040 as described above, the online account request user interface is sent from the customer terminal 1040 to the online of the online account product. It is periodically checked whether a predetermined online account application user interface for subscription is requested (1410). If the financial product application interface is requested (1415) from the customer terminal (1040), the web server (1000) is the customer. Generate a predetermined online account application user interface to be provided to the terminal 1040 (or extract it from a predetermined web source D / B (not shown)) (1420), and the online account application user interface via the network means. Provided as a terminal (1425).

Thereafter, the customer terminal 1040 inputs (or selects) predetermined online account application information through the online account application user interface (1430), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 1040 transmits the online account application information to the web server 1000 through the network means (1435).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1040, the customer terminal 1040 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the financial real name of the online account) is output to the customer terminal 1040, and the customer has the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 1040, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1040 is provided, the customer terminal 1040 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is verified and operated until it is confirmed, the online account application user interface is applied to the online account processed by the pseudonym. In order to process a financial transaction (eg, deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output rechargeable prepaid card processing information to the customer terminal 1040, and the customer is rechargeable It is preferred to include an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1040, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Afterwards, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the rechargeable prepaid card processing consent information is further included in the online account application information. It transmits to the web server 1000 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 1040 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the financial transaction application information through the interface, and then the Transmit the input (or selected) financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Transmit to 1000.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, through the customer terminal 1040 and at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1040, the customer terminal 1040 may receive the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

Thereafter, the web server 1000 may provide the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or Rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium 1035 (1440).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 1000 (or a web server operator) and the information processing server 1045 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 1000 transmits the online account application information to the information processing server 1045 through a predetermined communication means (1445), and the information processing server 1045 transmits the web through the communication means. The online account application information provided from the server 1000 is received (1450).

15 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, in FIG. 15, when the web server 1000 shown in FIG. 10 provides a predetermined online account request user interface to the customer terminal 1040, the user terminal 1040 may request the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 1000, and decode the online account application information by the web server 1000 The process of providing the online account application information to the information processing server 1045 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to this figure 15 And / or modify and provide the online account application information from the customer terminal 1040 to the information processing server 1045 through the web server 1000. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 15, only the online account application information is provided from the customer terminal 1040 to the web server 1000. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1000 to the customer terminal 1040, in addition to the online account application information in the customer terminal 1040, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention provides the false new processing consent information (or false new application information), and / or online account security information, and / or financial at the customer terminal 1040 Below the application information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 1000 in response to the security function provided in the communication means for connecting the web server 1000 and the information processing server 1045 The online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and And / or encrypt and transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and at the information processing server 1045, the online account application information (and / or the new processing agreement information (or a new provision). Application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). )) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 15, the customer terminal 1040 illustrated in FIG. 10 connects to the web server 1000 through a network means including at least one or more wired and / or wireless communication networks (1500) and the web. At least one web-based service provided by the server 1000 is used (1505). At this time, the web server 1000 provides the web-based service provided to the customer terminal 1040 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 1000 provides at least one web-based service to the customer terminal 1040 as described above, the online account application user interface is used to subscribe to the financial product online from the customer terminal 1040. Periodically checking whether a predetermined online account request user interface is requested (1510). If the financial product request interface is requested from the customer terminal 1040 (1515), the web server 1000 provides a predetermined security function. Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (1520), and provide the online account application user interface to the mobile terminal through the network means. (1525)

Here, the security function provided in the online account request user interface may include a function of encrypting the online account application information input (or selected) by the customer terminal 1040 by a predetermined encryption method and / or the online account application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 1040 inputs (or selects) predetermined online account application information through the online account application user interface (1530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 1040 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information (1535), and transmit the encrypted online account application information to the web server 1000 via the network means (1540).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 1040, the customer terminal 1040 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 1000 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1000 transmits the data.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1000.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the financial real name of the online account) is output to the customer terminal 1040, and the customer has the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional information and provisional processing period information is output to the customer terminal 1040, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1040 is provided, the customer terminal 1040 receives the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the web server 1000 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1000 through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is verified and operated until it is confirmed, the online account application user interface is applied to the online account processed by the pseudonym. In order to process a financial transaction (eg, deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined prepaid rechargeable card to output rechargeable prepaid card processing information to the customer terminal 1040, and the customer is rechargeable And an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1040, and the interface for confirming the agreement may be omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 1000 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. To the web server 1000 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal 1040 and the first financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1040, the customer terminal 1040 inputs (or selects) the financial transaction application information through the interface, and then the Transmit the input (or selected) financial transaction application information to the web server 1000 through the network means, or further include the financial transaction application information in the online account application information, the web server through the network means. Transmit to 1000.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, through the customer terminal 1040 and at least one non-face-to-face financial transaction channel with the financial institution. Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1040, the customer terminal 1040 may receive the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 1000 through the network means. .

The web server 1000 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (1545), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transactions The consent information (or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 1035 (1540).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1035 may include the web server 1000 (or a web server operator) and the information processing server 1045 (or finance). It may be omitted in accordance with the business cooperation agreement between the institutions), whereby the present invention is not limited.

Thereafter, the web server 1000 transmits the online account application information to the information processing server 1045 through a predetermined communication means (1545), and the information processing server 1045 transmits the web through the communication means. The online account application information provided from the server 1000 is received (1550).

16 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 16, the information processing server 1045 shown in FIG. 10 opens a predetermined online account based on the online account application information provided from the web server 1000, and charges the online account with a prepaid card. As a person skilled in the art to which the present invention pertains, the online account application provided to the information processing server 1045 shown in FIG. Various implementation methods for processing an online account with a rechargeable prepaid card may be inferred based on the information, but the present invention includes all the inference methods described above, whereby the present invention is not limited thereto.

For example, in FIG. 16, only the online account application information is provided from the web server 1000 to the information processing server 1045. However, the person having ordinary knowledge in the technical field to which the present invention pertains will be described. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face to face finance Although it is possible to infer an implementation method in which transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 1045, the present invention may provide the information processing server 1045 with the provisional processing agreement information. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face Financial transaction agreement information (or non-face-to-face financial transaction application information) is further provided, and the present invention is not limited thereto.

Hereinafter, in FIG. 16, the information processing server 1045 shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 16, through the process shown in FIG. 14 and / or FIG. 15, predetermined online account application information (and / or false transaction processing information) from the web server 1000 shown in FIG. 10 to the server is shown. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application). Information)), the server may request that the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / Or read the rechargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) to confirm whether the online account can be opened (1600).

If it is not possible to open the online account based on the online account application information (1605), the server generates the account opening error information and provides it to the web server 1000 (1610), and the web server 1000 In step 1615, the account opening error information is transmitted to the customer terminal 1040 through a predetermined network means, thereby ending the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (1605), the server connects the predetermined online account corresponding to the online account application information on the financial system in association with the financial system. In operation 1620, the online account is processed as a rechargeable prepaid card in connection with the financial system.

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with rechargeable prepaid card information as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, The ledger corresponding to the online account opened by the new opening section 1055 by replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge. It is preferable to treat the card as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational form of predetermined prepaid rechargeable prepaid card information in the online account ledger as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the on-line account opened by the hidden opening unit 1055 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server sends predetermined rechargeable prepaid card information to a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered as shown in FIG. By storing, it is preferable to process the ledger corresponding to the online account opened by the provisional opening unit 1055 into a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. Storing the prepaid rechargeable card information in a predetermined database 1305 linked to the ledger D / B 1300 in which the online account ledger is registered, thereby corresponding to the online account opened by the provisional opening unit 1055. It is desirable to treat the ledger with a rechargeable prepaid card.

17 is a diagram illustrating a real name verification process for an online account according to one embodiment of the present invention.

In more detail, FIG. 17 illustrates a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. As a process for processing as, specifically, the real name verification expiration date is automatically extended to the implementation method for continuously providing at least one or more financial transactions through the online account without real name verification.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account treated with the rechargeable prepaid card by referring to and / or modifying the drawing 17, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In the following figure 17, the information processing server 1045 on the online account registration system shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 17, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system (1700).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a tele Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1705), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in connection with the financial system (1710).

If the real name verification period for the online account has not passed in response to the online account application information (1715), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1715), the server is linked to the financial system and the real name verification expiration date for the online account (e.g. By automatically extending the real name verification expiration date (1720), it is possible to continuously provide at least one or more financial transactions through the online account without real name verification.

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1705), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1725). In connection with the financial system, the online account is processed as a new financial account whose real name is confirmed (1730).

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account, which is processed as the new financial account, in association with the financial system as the provisional opening date (1735).

18 is a diagram illustrating a real name verification process for an online account according to another exemplary embodiment of the present invention.

In more detail, FIG. 18 is a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 16 through the online account registration system shown in FIG. In particular, when the real name verification expiration date passes, the amount deposited in the online account is transferred to the original account (for example, a financial account (or another online account) in which a predetermined amount is transferred to the online account). The present invention relates to a method for retrieving and dormant the online account.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 18. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the information processing server 1045 on the online account registration system shown in FIG. 10 is referred to as " server " for convenience.

Referring to FIG. 18, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Responsive to customer real name identification events arising from financial transaction systems, including And 1800.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (1805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (1810).

If the real name verification period for the online account has not passed in response to the online account application information (1815), the server repeats the process of verifying the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has passed in response to the online account application information (1815), the server, in connection with the financial system, the predetermined amount of money deposited in the online account in response to the online account application information. Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (1820).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1805), the server, in connection with the financial system, returns the online account processed with the rechargeable prepaid card to the original online account (1825). In operation 1830, the online account is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (1835).

19 is a diagram illustrating a card issuing system for issuing an online account linked card according to an embodiment of the present invention.

More specifically, FIG. 19 shows an online account registered through a online account registration system shown in FIG. 1 and / or FIG. 10 from a predetermined customer terminal 1940 to a predetermined web server 1900 via a predetermined network means. When the card issuing application information including at least one of predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer issuing a card associated with the web server, The card issuing server 1945 provides the card issuing application information provided from the customer terminal 1940 to the predetermined card issuing server 1945 provided at a predetermined financial institution (or card issuing institution) at 1900. As a system configuration for issuing an online account linked card corresponding to the card issuing application information, a general support in the technical field to which the present invention belongs. If the person having the present invention may refer to and / or modify this drawing 19, it is possible to infer various implementation methods for the card issuing system for issuing the online account linked card, but the present invention includes all the inferred implementation methods. However, the present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 19 according to the embodiment of the present invention, the card issuing system for issuing the online account linked card is provided with a predetermined web server 1900 (e.g., a portal server) through a predetermined network means. A customer terminal 1940 for requesting issuance of the online account link card, and providing predetermined card issuance application information for issuing the online account link card to the web server 1900, and the client terminal ( 1940 and a card connected with a predetermined network means to receive predetermined card issuance application information from the customer terminal 1940, and the received card issuance application information is provided at a predetermined financial institution (or card issuing institution). The web server 1900 provided to the issuing server 1945 and the web server 1900 are connected through a predetermined communication means to receive the card issuing application information from the web server 1900. A card issuing server 1945 for issuing an online account linked card to the customer based on the received card issuing application information, and an online account registered through the online account registration system shown in FIGS. 1 and / or 10. And a financial system provided by linking the ledger and a card ledger corresponding to the online account linked card issued through the card issuing server 1945. However, when the financial institution that operates the online account and the card issuer that issues the online account linked card are different from each other, the financial system may be provided in each institution, and the present invention is not limited thereto.

Here, the financial system basically establishes at least one financial account for at least one financial transaction customer, and provides financial institutions (or card issuing institutions) to provide at least one financial transaction service based on the financial account. It is equipped with a computer system, which processes accounting services such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), processing of this sub-business, branch information support and customer information management. Interconnection between the information system, the financial 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, tele banking, TV banking, etc.) And an external system that provides access to a financial system and / or provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network). An interface module corresponding to a middleware platform that provides interfacing between components in a financial system, and predetermined information (eg, ledger information, and / or a customer) required for each function in a component in the financial system. Information, and / or management information, etc.) and comprises at least one database management system (DBMS) including at least one database for storing and managing the financial account through the financial system. Act on Simultaneous Name Transactions and Confidential Security and Concurrent Act (Presidential Decree No. 15744) If it corresponds to a real name financial account corresponding to

According to the implementation method of the present invention, the financial system is the intention of the person skilled in the art and / or the type of each financial institution (or card issuing institution) provided with the financial system (for example, commercial bank, savings bank, trust bank) and the financial Depending on the purpose and characteristics of the system, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and the present invention Those skilled in the art will be familiar with the technical details of the financial system, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to one embodiment of the invention, the financial system provided in the financial institution (or card issuing institution) is at least one or more window terminals provided in the branch (and / or branch) of the financial institution (or card issuing institution) And a predetermined financial network (for example, a party network), and provides a face-to-face financial transaction service for at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution (or card issuer), and / or the At least one financial terminal provided in at least one other financial institution (or card issuer) (and / or branch of another financial institution (or card issuer)) affiliated with the financial institution (or card issuer), and / or At least one financial terminal provided in a public place and a predetermined financial network (e.g. CD common network), characterized in that connected to the financial terminal of the at least one or more financial transactions customers through the financial terminal Provide transaction services.

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

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

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

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

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

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

According to the present invention, a customer applying for issuance of a predetermined online account link card may include a web server through at least one customer terminal 1940 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. 1900, and receives various application services provided by the web server 1900.

Here, the wired terminal connected to the wired communication network of the customer terminal 1940 is a generic term for all terminal devices connected to a communication control protocol based on TCP / IP, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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

The web server 1900 is a customer service 1940 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and a search service including at least one information / content, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to an embodiment of the present invention, the web server 1900 is the same server as the web server 1900 on the online account registration system shown in FIGS. 1 and / or 10 or the same web server 1900 operator. A web server 1900 provided at the web server, or a web server 1900 of an institution affiliated with the web server 1900 operating institution (or financial institution) to issue a card associated with the online account, or the financial institution (Or the card issuing agency) may be a web server 1900 directly operated, and thereby the present invention is not limited.

* If the web server 1900 is the same server as the web server 1900 on the online account registration system shown in FIGS. 1 and / or 10, or a web server provided in the same web server 1900 operator; 1900), it is preferable that the online account registration and the online account linked card issuing process are simultaneously performed through the online account registration system shown in FIGS. 1 and / or 10, and the present invention is for convenience and the online account registration. The online account link card issuance is illustrated by a separate system, and the present invention is not limited thereto.

According to an embodiment of the present invention, when the online account registration and the online account issuance card issuing are performed at the same time, the web server 1900 is the customer through the online account registration system shown in Figure 1 and / or Figure 10 In the process of providing a user interface for registering an online account to the terminal 1940, the user interface may further include a predetermined card issuing application user interface for issuing the online account linked card.

According to another embodiment of the present invention, when the online account registration and the online account issuance card issue are separately performed as shown in FIG. 19, the web server 1900 is connected to the customer terminal 1940 (or the It is desirable to provide a predetermined card issuing application user interface for issuing the online account linked card to the customer terminal 1940 by the request of the customer terminal 1940.

Thereafter, the customer terminal 1940 inputs (or selects) predetermined card issuance request information for issuing the online account linked card through the card issuance request user interface to include the wired communication network and / or the wireless communication network. It transmits to the web server 1900 through the means.

To this end, the customer terminal 1940 outputs at least one user interface provided from the web server 1900, and inputs and / or selects at least one card issuing application information through the user interface to the web server. A function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the web server 1900, etc.) for transmitting to the 1900 is preferably provided.

According to an embodiment of the present invention, the card issuance request interface includes a user interface for inputting (or selecting) predetermined customer information for the card issuance request customer, and the customer is shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) online account information registered through an online account registration system, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and inputting method of delivery method setting ( Or at least one user interface), whereby the card issuing application information includes predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer. It is preferable to include at least one It is.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 1900 as described above, and input at least one card issuing application information through the user interface. Since the features of the customer terminal 1940 corresponding to at least one or more wired terminals and / or wireless terminals that are selected and transmitted to the web server 1900 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to an embodiment of the present invention, the web server 1900 is characterized in that it comprises an interface unit 1905 for connecting and managing a predetermined communication channel with the customer terminal 1940 through the network means.

According to an embodiment of the present invention, when the customer terminal 1940 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1905 may include the wired network and / Or at least one information by connecting a predetermined communication channel with the customer terminal 1940 based on a protocol stack defined in a wireless network, and using a communication protocol defined in a communication program included in the customer terminal 1940. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal 1940, the interface unit 1905 may be connected to the customer terminal 1940 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 1940 is provided with a communication program provided by the web server 1900, the interface unit 1905 establishes a communication channel with the customer terminal 1940 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 1940 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 1940. Do.

For example, when the client terminal 1940 includes a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1905 may be configured based on the CDMA protocol. (1940) and a communication channel, and using the WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web page, or HTML compatible web page) and / or information Provides a communication interface for

Referring to FIG. 19, the web server 1900 is connected to a web site 1900 when a predetermined client terminal 1940 accesses the web server 1900 through the interface unit 1905 and / or applies for an online account linked card. Generate a predetermined user interface (or from a predetermined web source D / B (not shown)) to interoperate with the unit 1905 so that the customer terminal 1940 inputs (or selects) predetermined card issuance request information. A predetermined interface input unit (1910) provided to the customer terminal (1940) and the interface unit (1905) and input (or selected) to be transmitted through the user interface in the customer terminal (1940) An information receiving unit 1950 for receiving card issuing application information and a card issuing information for providing the received card issuing application information to a card issuing server 1945 provided at a financial institution (or card issuing institution) through a predetermined communication means. Provided with a relay unit (1930) is characterized in that formed.

In addition, the web server 1900 may be personalized including a search service including at least one information / content, and / or a mini homepage / blog to at least one or more customer terminals 1940 in conjunction with the interface unit 1905. And a web service unit 1915 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 1900 provides the web-based service to at least one customer terminal 1940 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 1900 is a card issuance request received from the customer terminal 1940 through the information receiving unit 1950 for the post management of the card issuance request information received through the information receiving unit 1950. When the information is provided to the card issuing server 1945 and the online account link card is issued to the customer, a card corresponding to the customer information, the online account information, and the card attribute setting information included in the card issuing application information. At least one limit value information corresponding to the attribute information and the delivery method setting information, and the card information corresponding to the online account linked card issued to the customer through the card issuing server (1945) linked to process the predetermined information An information storage unit 1925 for storing in the storage medium 1935 is characterized in that it further comprises.

If the web server 1900 is the same server as the web server 1900 on the online account registration system shown in FIGS. 1 and / or 10, or the web server 1900 provided in the same web server 1900 operator ), The storage medium 1935 preferably stores online account issuance information registered through the online account registration system shown in FIGS. 1 and / or 10, wherein the web server 1900 A web server 1900 of an institution affiliated with the operating institution (or financial institution) of the web server 1900 to issue a card linked to an online account, or a web server directly operated by the financial institution (or card issuer). 1900, the online account issuance information may be omitted, and thus the present invention is not limited thereto.

The interface providing unit 1910 is provided to the customer terminal 1940 when a predetermined customer terminal 1940 accesses the web server 1900 and / or applies for an online account link card through the interface unit 1905. Generate a predetermined user interface capable of inputting (or selecting) the card issuing application information corresponding to the configured function and transmitting it to the web server 1900 via the network means, and / or a predetermined database (not shown). And a card issuing application interface including the user interface generated in conjunction with the interface unit 1905 (or extracted from a predetermined web source D / B (not shown)) through the network means. Characterized in that provided to the terminal 1940.

According to an exemplary embodiment of the present invention, when the customer terminal 1940 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1910 may include a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generates the generated (or predetermined web source D / B (not shown) through the interface unit 1905. It is preferable to provide a card issuance application interface to the customer terminal 1940 including a user interface extracted from).

According to another exemplary embodiment of the present invention, when the customer terminal 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 may include a browser program and / or provided in the wireless terminal. Generate a predetermined user interface that can be provided by a communication program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (shown) through the interface unit 1905. It is preferable to provide to the customer terminal 1940 a card issuance request interface including a user interface extracted from the).

Here, the card issuing application interface is a user interface for inputting (or selecting) predetermined customer information for the card issuing customer and the customer through the online account registration system shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) registered online account information, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and a user interface for inputting (or selecting) delivery method setting information It is preferable to include at least one.

Thereafter, the customer terminal 1940 inputs (or selects) the card issuance application information based on at least one or more user interfaces included in the card issuance application interface, and inputs the input (or selected) card issuance application information. It transmits to the web server 1900 through the network means.

When the customer terminal 1940 inputs (or selects) predetermined card issuing application information through the user interface and transmits the information through the network means, the information receiving unit 1950 cooperates with the interface unit 1905. And receiving card issuing application information including at least one of customer information, online account information, card attribute setting information, and delivery method setting information. The received card issuing application information is received from the information relay unit 1930 and And / or to information storage 1925.

Here, the customer information for the card issuing customer, personal information of the card issuing customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer and the web server of the customer ( 1900) member information (eg, member ID information stored in member information D / B (not shown) provided in the web server 1900) and financial member information of the customer (eg, the customer registers the online account). By doing so, it is preferable to include at least one or more member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system in response to the customer.

In addition, the online account information preferably comprises a predetermined online account number for the online account registered (or opened) by the customer through the online account registration system shown in FIGS. 1 and / or 10. And at least one or more web server 1900 operating institution information for opening the online account, financial institution information for opening the online account, and account holder information for the online account according to the intention of a person skilled in the art. desirable.

Further, the card attribute setting information may be a card medium for the online account linked card which is applied for issuance in connection with the online account registered (or opened) through the online account registration system shown in FIGS. 1 and / or 10. Type (eg, MS (Magnetic Stripe) card, IC (Integrated Circuit) card, or MS / IC card, etc.) setting information, payment method type (e.g. credit card, check card associated with the online account) , Debit card, etc.) preferably comprises at least one setting information.

Further, the delivery method setting information is information for setting a method of delivering the issued online account linked card to a customer due to a card issue characteristic in which the issue of the online account linked card is performed online as in the case of the online account. The method preferably includes any one of a postal delivery method, a direct visit method, and an applet download method.

Here, the postal delivery method of the delivery method is a method of delivering the online account linked card by mail in a non-face-to-face manner, in which case the card issuing server 1945 is a small amount of the limit for the online account linked card (E.g., 500,000 won) is preferably set, and after the face-to-face confirmation, the original limit amount (e.g., when the online account linked card is a credit card linked to the online account, the credit limit amount of the customer, or the online If the account link card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Or, the direct visit method of the delivery method, the customer visits the branch (or branch) of the financial institution (or card issuer) directly to receive the online account linked card, or the financial institution (or card) A method of an employee of an issuer) (or a card delivery partner employee) visiting the customer and delivering the online account link card, in which case the card issuing server 1945 is configured to deliver the online account link card to the customer. At the time of receipt (or at the time of receipt by the customer), the limit amount for the online account link card is originally credited (e.g., if the online account link card is a credit card associated with the online account). Or, if the online account linked card is a check card (or debit card) associated with the online account, Be set to balance) is preferred.

Alternatively, the applet download method of the delivery method, if the customer has a predetermined IC card (for example, an IC card capable of post issuance of the card applet) equipped with an open platform, the online account A method of processing an associated card in the form of a card applet and downloading the card applet to a terminal device equipped with the IC card reader according to a post-issuance procedure for the IC card and mounting the card applet on the IC card. 1945 indicates that when the card applet corresponding to the online account link card is loaded on the customer's IC card, the limit amount for the online account link card is originally set (eg, the online account link card is set to the online account). If the credit card associated with the customer, the credit limit amount of the customer, or the online account linked card is In the case of a check card (or a debit card) associated with a line account, the online account balance) may be set.

The information storage unit 1925 provides the card issuing application information received from the customer terminal 1940 through the information receiving unit 1950 to the card issuing server 1945 to issue the online account linked card to the customer. The at least one limit information corresponding to the customer information, the online account information, the card attribute setting information, the card attribute setting information, and the delivery method setting information included in the card issuing application information. The card issuing server (1945) through the card information corresponding to the online account linked card issued to the customer, characterized in that for storing the online account linked card information made in a predetermined storage medium 1935, thereby The web server 1900 (or web server operator) is based on the online account linked card information stored in the storage medium 1935. The financial institution (or the card issuer) should provide a basis from which to receive a fee according to the online account associated card application to attract customers, and / or use the online account links cards.

The information relay unit 1930 transmits card issuing application information including at least one of the customer information, the online account information, the card attribute setting information, and the delivery method setting information received through the information receiving unit 1950. It is characterized in that the transmission to the card issuing server 1945 provided in the financial institution (or card issuing institution) issuing the online account linked card through.

Here, the communication means for connecting the web server 1900 and the card issuing server 1945 may be a dedicated communication network that blocks access by a third party other than the web server 1900 and the card issuing server 1945, and / or The card issuing server 1945 by encrypting the card issuing application information by a predetermined encryption method in a secure communication network (eg, the web server 1900) that provides a secure communication function between the web server 1900 and the card issuing server 1945. And a communication network for decrypting the card issuing application information through a decryption method corresponding to the encryption method in the card issuing server 1945).

According to another exemplary embodiment of the present invention, the card issuing server 1945 is provided with a predetermined web server 1900 function, and / or a financial company capable of connecting the card issuing server 1945 to the customer terminal 1940. In the case of a server (or a card company server), the information relay unit 1930 connects the customer terminal 1940 and the card issuing server 1945 to relay and connect the card issuing server 1945 to the customer terminal. It is possible to relay directly to provide a predetermined user interface for receiving the card issuing application information from the 1940, whereby the card issuing server 1945 from the customer terminal 1940 via a predetermined network means It is possible to directly receive the card issuing application information, whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 1900 and the card issuing server 1945 relays at least one web server 1900 and the card issuing server 1945, and / or the A predetermined relay server (not shown) that relays the web server 1900 and at least one card issuing server 1945 and / or relays the at least one web server 1900 and at least one card issuing server 1945. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 19, the card issuing server 1945 includes an information receiving unit 1950 for receiving card issuing application information provided from the web server 1900 through the communication means, and is included in the card issuing application information. A card information generation unit 1955 for generating card information corresponding to the card attribute setting information, and a limit amount calculation unit 1960 for setting a limit amount corresponding to the delivery method setting information included in the card issuing application information. Characterized in that made.

The information receiving unit 1950 may receive card issuing application information provided from the web server 1900 through the communication means, and the received card issuing application information may be received from the card information generating unit 1955. The limit amount calculation unit 1960 is provided.

When the card issuing application information provided from the web server 1900 is encrypted according to an embodiment of the present invention, the information receiving unit 1950 preferably further includes a function of decrypting the encrypted card issuing application information. Do.

The card information generation unit 1955 is based on the payment method type setting information of the card attribute setting information included in the card issuing application information of the credit card number, check card number, debit card number corresponding to the online account linked card Generating at least one card number, and further generating a financial institution (or card issuer) code, a card type code, and expiration date information (can be omitted in the case of a debit card) corresponding to the online account linked card. It is preferable.

According to the method of the present invention, the card information generation unit 1955 has a structure capable of recording the card information on the MS card medium based on the card medium setting information of the card attribute setting information included in the card issuing application information. It is preferable to generate or create a recordable structure on the IC card medium, or a recordable structure on the MS card medium and the IC card medium.

The limit amount calculator 1960 sets a predetermined limit amount for the online account linked card based on the delivery method setting information included in the card issuance application information.

According to one embodiment of the present invention, when the delivery method setting information includes a postal delivery method (for example, a method of delivering the online account linked card by mail in a non-face-to-face manner), the limit amount calculation unit 1960 It is preferable that the limit amount for the on-line account connection card is set to a small amount (e.g., 500,000 won or the like) In this case, it is preferable to set the credit limit amount of the customer, or the online account balance if the online account linked card is a check card (or debit card) associated with the online account.

According to another embodiment of the present invention, the delivery method setting information may be transmitted to the customer through the direct visiting method (for example, the customer visits the branch (or branch office) of the financial institution (or card issuing organization) Or if the employee (or card delivery partner employee) of the financial institution (or card issuing agency) visits the customer and delivers the online account linked card). (For example, the online account association card is associated with the online account) at a time point when the online account association card is delivered to the customer (or the customer receives the limit amount for the online account connection card) Credit card, the credit limit amount of the customer, or the online account linked card is associated with the online account If the card or debit card, it is preferred to set the online account balance).

According to another embodiment of the present invention, the delivery method setting information is an applet download method (e.g., a predetermined IC card provided with an open platform (for example, an IC card capable of post issuance of a card applet). ), The online-account-related card is processed in the form of a card applet, and the card applet is downloaded to the terminal device provided in the IC card reader according to a post-issuing procedure for the IC card, The limit amount calculation unit 1960 calculates the limit amount for the online account association card at the time when the card applet corresponding to the online account association card is loaded on the customer's IC card, Amount (e.g., the customer's credit limit if the online account linked card is a credit card associated with the online account) (Or the balance of the online account if the online account association card is a check card (or a debit card) associated with the online account).

Referring to FIG. 19, the card issuing server 1945 generates card ledger information including the generated card information and the limit amount information and delivery method information for the online linked card corresponding to the limit amount. A predetermined ledger associated with the online ledger registered through the generation unit 1965 and the online account registration system shown in FIGS. 1 and / or 10 in association with the financial system, And a ledger processing unit 1970 for storing the card ledger information.

The ledger information generation unit 1965 processes the at least one or more card information generated by the card information generation unit 1955 into a ledger information structure that can be stored in the ledger D / B on the financial system, and the limit amount calculation unit The card information and the limit are processed by processing the limit amount information calculated in 1960 and the delivery method information for the online linked card corresponding to the limit amount into a ledger information structure that can be stored in the ledger D / B on the financial system. And generating predetermined card ledger information including the price information.

According to an embodiment of the present invention, when the financial system is the same financial system as the financial system shown in FIG. 1 and / or FIG. 10, the ledger processing unit (1970) The user can check the customer ledger of the online account registered customer registered through the online account registration system shown in FIG. 1 and / or FIG. 10, or check the customer ledger of the online account registered customer through the online account registration system shown in FIG. 1 and / After confirming the registered online account ledger (for example, an online account ledger in the form of a virtual account or an online account ledger in the form of a prepaid card), a predetermined card ledger associated with the confirmed online account ledger (or customer ledger) is generated It is preferable.

According to another exemplary embodiment of the present invention, when the financial system is a financial system different from the financial system shown in FIGS. 1 and / or 10, the ledger processing unit 1970 may retrieve the customer information included in the card issuance application information. Generating a predetermined customer ledger in the ledger D / B on the financial system, generating a predetermined card ledger associated with the customer ledger, and transmitting the online account information included in the card issuing request information to the card ledger It is desirable to store it in the form of information.

Thereafter, the ledger processing unit 1970 records the card ledger information generated by the ledger information generation unit 1965 in the card ledger, whereby the ledger D / B on the financial system is shown in FIG. And / or a card ledger associated with an online account registered through the online account registration system shown in FIG. 10.

Referring to FIG. 19, the card issuing server 1945 includes a card issuing unit 1975 for issuing an online account linking card including the generated card information, and a card issuing unit 1975 for inserting the online account linking card into the card issuing application information It characterized in that it comprises a delivery processing unit 1980 to deliver to the customer according to the delivery method setting information.

When the delivery method setting information included in the card issuance request information includes any one of a postal delivery method and a direct visit method, according to an exemplary embodiment of the present invention, the card issuing unit 1975 may issue a predetermined card issuance. An online account connection card including the card information is issued by making an MS card, an IC card, or an online account connection card in the form of an MS / IC mixed card through a device (not shown).

If the online account linking card is an MS (Magnetic Stripe) card, the card issuing device transmits the card information to at least one MS track (e.g., track I, track II, track III) And the card information generating unit 1955 preferably generates the card information in a data structure recordable on at least one MS track.

Alternatively, if the online account linkage card is an IC (Integrated Circuit) card, the card issuing device includes a device for recording a predetermined card applet in a memory provided in the IC chip of the online account linkage card, The card information generation unit 1955 preferably generates the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip.

According to another embodiment of the present invention, when the delivery method setting information included in the card issuance application information includes the applet downloading method, the card issuing unit 1975 may include the card information, By generating a card applet that can be post-issued in, characterized in that to issue an online account linked card containing the card information.

According to one embodiment of the present invention, the delivery method setting information included in the card issuing application information is made including one of a postal delivery method and a direct visit method, and the MS card, by the card issuing unit 1975, Alternatively, when an online account linking card in the form of an IC card or an MS / IC mixed card is produced, the delivery processing unit 1980 links the online account according to a shipping procedure corresponding to the delivery method setting information included in the card issuing application information. The card is characterized in that the delivery to the customer.

According to another embodiment of the present invention, the delivery method setting information included in the card issuance application information is made including the applet download method, and the card issuing unit 1975 may post-issue the IC card of the customer. When a card applet is generated, the delivery processing unit 1980 provides the card applet to a customer terminal device having a predetermined IC card reader through a predetermined network means and records the IC card in the online account link card. It characterized in that the delivery to the customer.

20 is a diagram showing the configuration of online account linked card ledger information according to an embodiment of the present invention.

20 is a diagram showing the relationship between the ledger D / B 2000 provided in the DBMS on the financial system shown in FIG. 19 and the ledger D / B 2000 provided in the DBMS on the financial system shown in FIG. 1 and / When (2000) is the same, it shows storing the ledger corresponding to the online account linked card in the ledger D / B (2000), specifically on the financial system shown in Figures 1 and / or 10 If the ledger D / B (2000) provided in the DBMS is provided with an online account ledger in the form of a virtual account as shown in Figure 2, it shows the information structure of the card ledger associated with the online ledger.

Those skilled in the art will be able to refer to and / or modify the FIG. 20 to derive various information configuration methods from the on-line account linkage card ledger information in the ledger D / B, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 20 to add to the ledger D / B 2000 in addition to the online account ledger in the form of a virtual account as shown in FIG. When an online account ledger (for example, an online account ledger in the form of a prepaid card-based bank account) is provided, the card ledger information associated with the online ledger, or the financial system shown in FIG. If the financial systems shown in FIG. 10 are different from each other, it is possible to deduce the configuration of the card ledger information associated with the online account registered through the online ledger ledger system shown in FIG. 1 and / or FIG. 10, Includes all of the above-described embodiments, and is not limited to the method shown in FIG. 20 only.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger, a bill ledger associated with the customer ledger , A loan ledger, etc.) and at least one or more pieces of information associated with the account ledger. If a person skilled in the art is familiar with the present invention, the ledger D / In addition to the customer ledger and account ledger shown in FIG. 20, B 2000 includes at least one ledger (e.g., a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional for maintaining and managing the ledgers. It will be clearly understood that more information is included, and you will be familiar with the specific technical details, so the detailed descriptions are provided for convenience. The.

The customer ledger issues at least one financial account to the financial institution (or card issuing institution) and processes at least one financial transaction through the financial account (for example, individual customer, corporate customer, corporate customer, etc.). This is a ledger that stores customer information corresponding to the CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification. TRW, DB, Usage Date, Code, Expiry Date, State Headquarters Information, Settlement Date, Cash Available Date, Last Name, Resident Registration Number, Company Address, Company Telephone Number, Mailing Location, Account Number, , Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, issue date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., at least the account number corresponding to the account ledger, abstention (months), period (days), period extension, maturity date and target amount Periodic reception information including one or more, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, and / or an award. At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

Wherein the virtual account ledger (or online account ledger) is connected in a relational manner to the account ledger corresponding to the parent account of the virtual account among the account ledgers, wherein the virtual account ledger information includes basic account ledger information It characterized in that it comprises an information configuration that further comprises the mother account number and the mother account operating institution information.

Those of ordinary skill in the art to which the present invention pertains include an online account linked card ledger according to the virtual ledger information structure associated with the account ledger, and the virtual account ledger information structure based on the basic ledger information structure. Since the information structure can be inferred, a detailed description thereof will be omitted for convenience.

The card ledger is connected in relation to the virtual account ledger (or online account ledger), wherein the card ledger information is the card information generated corresponding to the card attribute setting information included in the card issuance application information, Characterized in that it comprises a limit value information generated corresponding to the delivery method setting information included in the card issuing application information and the delivery method information matching the delivery method setting information.

Those skilled in the art will be able to deduce a cardholder information configuration including card information generated according to the card type setting information of the card attribute setting information included in the card issuing application information Therefore, detailed description thereof will be omitted for convenience.

21 is a diagram illustrating an information providing process for issuing an online account link card according to an embodiment of the present invention.

In more detail, FIG. 21 shows a web server 1900 shown in FIG. 19 providing a predetermined card issuance request interface to the customer terminal 1940, and the customer terminal 1940 transmits the card issuance request interface Input (or select) card issuance application information including at least one of predetermined customer information, online account information, card attribute setting information, and delivery method setting information, and provide the same to the web server 1900 through a predetermined network means; The process of providing the card issuing application information to the card issuing server 1945 provided in the financial institution (or card issuing institution) through a predetermined communication means in the web server 1900, to which the present invention pertains. A person of ordinary skill in the art may refer to and / or modify the drawing 21 and the card issuing server 19 through the web server 1900 in the customer terminal 1940. 45, it is possible to deduce various methods of providing the card issuance application information. However, the present invention includes all of the above-mentioned methods of implementation and is not limited by the method shown in FIG.

For example, if a person skilled in the art is familiar with the security function of the communication means for connecting the web server 1900 and the card issuing server 1945, the web server 1900 The card issuing application information may be encrypted and transmitted, and the card issuing server 1945 may infer an implementation method of decrypting the card issuing application information, but the present invention includes the inferred implementation method, whereby The present invention is not limited.

Referring to FIG. 21, the customer terminal 1940 illustrated in FIG. 19 connects to the web server 1900 through a network means including at least one wired and / or wireless communication network (2100), and the web. At least one web-based service provided by the server 1900 is used (2105), wherein the web server 1900 is an online account link card according to the present invention to a web-based service provided to the customer terminal 1940. And provides a predetermined card issuance application interface while providing information related to the online account affiliation card for online subscription attraction.

Accordingly, while the web server 1900 provides at least one web-based service to the customer terminal 1940 as described above, the card issuance request interface is online from the customer terminal 1940 to the online account linked card. Periodically checks whether a predetermined card issuance application interface is requested for subscription (2110). If the financial product application interface is requested from the customer terminal (1940) (2115), the web server (1900) is connected to the customer terminal. Generate a predetermined card issuance request interface to be provided to the terminal 1940 (or extract it from a predetermined web source D / B (not shown)) (2120), and transmit the card issuance request interface to the mobile terminal through the network means; Provide (2125).

According to an embodiment of the present invention, the card issuance request interface includes a user interface for inputting (or selecting) predetermined customer information for the card issuance request customer, and the customer is shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) online account information registered through an online account registration system, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and inputting method of delivery method setting ( Or at least one user interface), whereby the card issuing application information includes predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer. It is preferable to include at least one It is right.

Thereafter, the customer terminal 1940 inputs (or selects) predetermined card issuing application information through the card issuing application interface (2130), wherein the card issuing application information is provided with predetermined customer information, online account information, and card attributes. At least one setting information and delivery method setting information is preferably included.

Here, the customer information for the card issuing customer, personal information of the card issuing customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer and the web server of the customer ( 1900) member information (eg, member ID information stored in member information D / B (not shown) provided in the web server 1900) and financial member information of the customer (eg, the customer registers the online account). By doing so, it is preferable to include at least one or more member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system in response to the customer.

In addition, the online account information preferably comprises a predetermined online account number for the online account registered (or opened) by the customer through the online account registration system shown in FIGS. 1 and / or 10. , The web server 1900 that has opened the online account according to the intention of the person skilled in the art, information on the financial institution where the online account is opened, account holder information for the online account, and the like desirable.

Further, the card attribute setting information may be a card medium for the online account linked card which is applied for issuance in connection with the online account registered (or opened) through the online account registration system shown in FIGS. 1 and / or 10. Type (eg, MS (Magnetic Stripe) card, IC (Integrated Circuit) card, or MS / IC card, etc.) setting information, payment method type (e.g. credit card, check card associated with the online account) , Debit card, etc.) preferably comprises at least one setting information.

Further, the delivery method setting information is information for setting a method of delivering the issued online account linked card to a customer due to a card issue characteristic in which the issue of the online account linked card is performed online as in the case of the online account. The method preferably includes any one of a postal delivery method, a direct visit method, and an applet download method.

Here, the postal delivery method of the delivery method is a method for delivering the online account linked card by mail in a non-face-to-face manner, in which case the card issuing server 1945 sets a limit on the online account linked card. (For example, when the online account association card is a credit card linked to the online account, the credit limit amount of the customer, or the credit limit amount of the customer) If the online account linked card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Or, the direct visit method of the delivery method, the customer visits the branch (or branch) of the financial institution (or card issuer) directly to receive the online account linked card, or the financial institution (or card) A method of an employee of an issuer) (or a card delivery partner employee) visiting the customer and delivering the online account link card, in which case the card issuing server 1945 is configured to deliver the online account link card to the customer. At the time of receipt (or at the time of receipt by the customer), the limit amount for the online account link card is originally credited (e.g., if the online account link card is a credit card associated with the online account). Or, if the online account linked card is a check card (or debit card) associated with the online account, Be set to balance) is preferred.

Alternatively, the applet download method of the delivery method, if the customer has a predetermined IC card (for example, an IC card capable of post issuance of the card applet) equipped with an open platform, the online account A method of processing a connection card in the form of a card applet and downloading the card applet to a terminal device provided with the IC card reader according to a post issuance procedure for the IC card and mounting the card applet on the IC card, 1945 indicates that when the card applet corresponding to the online account link card is loaded on the customer's IC card, the limit amount for the online account link card is originally set (eg, the online account link card is set to the online account). The credit limit amount of the customer, or the credit limit amount of the on- In the case of a check card (or a debit card) associated with a line account, the online account balance) may be set.

When the card issuance application information is inputted (or selected) as described above, the customer terminal 1940 transmits the card issuance request information to the web server 1900 through the network means 2135, The web server 1900 stores the online account linked card information including the customer information included in the card issuance request information and the card property information corresponding to the online account information and the card property setting information in a predetermined storage medium 1935. (2140).

According to another exemplary embodiment of the present invention, the storing of the card issuing application information in the storage medium 1935 may include the web server 1900 (or a web server operating institution) and the card issuing server 1945 (or finance). It may be omitted in accordance with the business partnership agreement between the agency (or card issuing agency), whereby the present invention is not limited.

Thereafter, the web server 1900 transmits the card issuing application information to the card issuing server 1945 through a predetermined communication means (2145), and the card issuing server 1945 is the web through the communication means. The card issuing application information provided from the server 1900 is received (2150).

FIG. 22 is a diagram illustrating an information providing process for issuing an online account-related card according to another embodiment of the present invention.

In more detail, in FIG. 22, when the web server 1900 illustrated in FIG. 19 provides a predetermined card issuance request interface to the customer terminal 1940, the customer terminal 1940 is provided through the card issuance request interface. Input (or select) and encrypt card issuing application information including at least one of predetermined customer information, online account information, card attribute setting information, and delivery method setting information to the web server 1900 through a predetermined network means. The card issuing application information is provided to the card issuing server 1945 provided in the financial institution (or card issuing institution) through a predetermined communication means by decrypting the card issuing application information in the web server 1900. As a person having ordinary skill in the art to which the present invention pertains, the customer terminal 1 may be referred to and / or modified with reference to FIG. In 940, various implementation methods for providing the card issuance application information to the card issuing server 1945 through the web server 1900 may be inferred, but the present invention includes all the inferred implementation methods, It is not limited by the implementation method shown in FIG.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1900 and the card issuing server 1945 in the web server 1900 The card issuing server 1945 can encrypt the card issuing application information and transmit the card issuing application information to the card issuing server 1945. However, the present invention includes the inferring method, The present invention is not limited.

Referring to FIG. 22, the customer terminal 1940 illustrated in FIG. 19 connects to the web server 1900 through a network means including at least one wired and / or wireless communication network (2200), and the web. At least one web-based service provided by the server 1900 is used (2205), wherein the web server 1900 is an online account link card according to the present invention to the web-based service provided to the customer terminal 1940. It provides a predetermined card issuance application interface, while providing information related to the online account linked card for attracting online subscription to the.

Accordingly, while the web server 1900 provides at least one web-based service to the customer terminal 1940 as described above, the card issuance application interface allows the online subscription of the financial product from the customer terminal 1940. Periodically check whether a predetermined card issuance request interface is requested (2210). If the financial product request interface is requested from the customer terminal (1940) (2215), the web server (1900) has a predetermined security function. A predetermined card issuance request interface is generated (or extracted from a predetermined web source D / B (not shown)) (2220), and the card issuance request interface is provided to the mobile terminal through the network means (2225). ).

According to an embodiment of the present invention, the card issuance request interface includes a user interface for inputting (or selecting) predetermined customer information for the card issuance request customer, and the customer is shown in FIGS. 1 and / or 10. A user interface for inputting (or selecting) online account information registered through an online account registration system, a user interface for inputting (or selecting) card attribute setting information corresponding to the online account linked card, and inputting method of delivery method setting ( Or at least one user interface), whereby the card issuing application information includes predetermined customer information, online account information, card attribute setting information, and delivery method setting information for the card issuing application customer. It is preferable to include at least one It is.

Here, the security function provided in the card issuance request interface may include a function of encrypting card issuance request information input (or selected) at the customer terminal 1940 by a predetermined encryption method and / or the card issuance request information. It comprises at least one function for attaching the electronic signature of the customer, preferably in the form of a security program that works with the card issuance application interface, wherein the security program is for encrypting the card issuance application information It is preferred to have at least one encryption key.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the card issuance request information, whereby the present invention is not limited.

Then, the customer terminal 1940 inputs (or selects) the card issuing application information including at least one of the predetermined customer information, the online account information, the card attribute setting information, and the shipping method setting information through the card issuing application interface, In operation 2230, the card issuing application information includes online account linked card product selection information for selecting at least one online account linked card product to which the customer applies (or purchases), and the terms corresponding to the online account linked card product. The online account connection card deposit amount information, and the customer information for the online account connection card application customer.

When the card issuance request information is input (or selected) as described above, the customer terminal 1940 encrypts the card issuance request information according to a predetermined encryption method through the security function provided in the card issuance request interface And / or attach the electronic signature of the customer to the card issuing application information (2235), and transmits the encrypted card issuing application information to the web server 1900 via the network means (2240).

Here, the customer information for the card issuing customer, personal information of the card issuing customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer and the web server of the customer ( 1900) member information (eg, member ID information stored in member information D / B (not shown) provided in the web server 1900) and financial member information of the customer (eg, the customer registers the online account). By doing so, it is preferable to include at least one or more member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system in response to the customer.

In addition, the online account information preferably comprises a predetermined online account number for the online account registered (or opened) by the customer through the online account registration system shown in FIGS. 1 and / or 10. , Information on a web server 1900 that establishes the online account in accordance with the intention of a person skilled in the art, financial institution information on which the online account is opened, account holder information on the online account, and the like. It is preferable.

Further, the card attribute setting information may be a card medium for the online account linked card which is applied for issuance in connection with the online account registered (or opened) through the online account registration system shown in FIGS. 1 and / or 10. Type (eg, MS (Magnetic Stripe) card, IC (Integrated Circuit) card, or MS / IC card, etc.) setting information, payment method type (e.g. credit card, check card associated with the online account) , Debit card, etc.) preferably comprises at least one setting information.

Further, the delivery method setting information is information for setting a method of delivering the issued online account linked card to a customer due to a card issue characteristic in which the issue of the online account linked card is performed online as in the case of the online account. The method preferably includes any one of a postal delivery method, a direct visit method, and an applet download method.

In this case, the card issuing server 1945 transmits the limit amount for the online account linking card in a small amount (E.g., 500,000 won) is preferably set, and after the face-to-face confirmation, the original limit amount (e.g., when the online account linked card is a credit card linked to the online account, the credit limit amount of the customer, or the If the online account linked card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Or, the direct visit method of the delivery method, the customer visits the branch (or branch) of the financial institution (or card issuer) directly to receive the online account linked card, or the financial institution (or card) A method of an employee of an issuer) (or a card delivery partner employee) visiting the customer and delivering the online account link card, in which case the card issuing server 1945 is configured to deliver the online account link card to the customer. At the time of receipt (or at the time of receipt by the customer), the limit amount for the online account link card is originally credited (e.g., if the online account link card is a credit card associated with the online account). Or, if the online account linked card is a check card (or debit card) associated with the online account, Be set to balance) is preferred.

Alternatively, the applet download method of the delivery method, if the customer has a predetermined IC card (for example, an IC card capable of post issuance of the card applet) equipped with an open platform, the online account A method of processing a connection card in the form of a card applet and downloading the card applet to a terminal device provided with the IC card reader according to a post issuance procedure for the IC card and mounting the card applet on the IC card, (1945), when the card applet corresponding to the on-line account association card is loaded on the customer's IC card, the limit amount for the on-line account association card is set to the original limit amount (for example, If the credit card associated with the customer, the credit limit amount of the customer, or the online account linked card is In the case of a check card (or a debit card) associated with a line account, the online account balance) may be set.

The web server 1900 which has received the encrypted card issuance application information through the network means decrypts the card issuance application information with the decryption method corresponding to the encryption method (2245), and the decrypted card issuance application information The card information included in the customer information, the online account information, and the card attribute setting information included in the online account-associated card information is included in the predetermined storage medium 1935 and stored (2250).

According to another embodiment of the present invention, the process of storing the card issuance application information in the storage medium 1935 may be performed by the web server 1900 (or the web server operating agency) and the card issuing server 1945 It may be omitted in accordance with the business partnership agreement between the agency (or card issuing agency), whereby the present invention is not limited.

Thereafter, the web server 1900 transmits the decrypted card issuing application information to the card issuing server 1945 through the network means (2255), and the card issuing server 1945 is connected to the communication means through the communication means. The card issuing application information provided from the web server 1900 is received (2260).

23 is a diagram illustrating a process of issuing an online account link card according to an embodiment of the present invention.

In more detail, FIG. 23 shows a case in which the card issuing server 1945 shown in FIG. 19 issues a predetermined online account association card based on the card issuance application information provided from the web server 1900, As a process for providing a card to a customer, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 23 and provide it to the card issuing server 1945 shown in the drawing 19. It is possible to infer various implementation methods for issuing a predetermined online account linked card based on the card issuance application information, but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto.

In the following figure 23, the card issuing server 1945 shown in Fig. 19 is referred to as " server " for convenience.

Referring to FIG. 23, when predetermined card issuance application information is received from the web server 1900 shown in FIG. 19 through the process shown in FIG. 21 and / or FIG. 22, the server sends the card. The issue application information is read to determine whether the online account link card can be issued (2300).

According to an embodiment of the present invention, the server reads the customer information and the online account information included in the card issuance application information and checks whether the predetermined online account to be associated with the online account linked card to be issued to the customer is opened. It is desirable to.

In addition, when the credit card setting information is included in the payment method type setting information of the card attribute setting information included in the card issuing application information, the server generates the card issuing target information based on the customer information included in the card issuing application information It is desirable to check whether the credit card associated with the online account can be issued to the customer through the credit information inquiry for the customer.

If the online account association card can not be issued (2305) based on the card issuance application information, the server generates the card issuance error information and provides the generated card issuance error information to the web server 1900 (2310) In operation 1315, the card issuing error information is transmitted to the customer terminal 1940 through a predetermined network means, thereby terminating the online account link card issuing process based on the card issuing application information.

On the other hand, if it is possible to issue the online account link card based on the card issuance application information (2305), the server may be configured to correspond to the online account link card based on the card attribute setting information included in the card issuance request information. The card information is generated (2320).

According to the method of the present invention, the server is a credit card number, check card number, debit card corresponding to the online account linked card based on the payment means type setting information of the card attribute setting information included in the card issuing application information. And generating at least one card number among the numbers, and further adding a financial institution (or card issuer) code, a card type code, and expiration date information (can be omitted in the case of a debit card) corresponding to the online account linked card. It is desirable to produce.

Here, the card information generation unit 1955 generates the card information in a structure capable of recording the card information on an MS card medium based on the card medium setting information of the card attribute setting information included in the card issuance request information, or the IC card. It is preferable to generate a recordable structure on the medium, or a recordable structure on the MS card medium and the IC card medium.

Thereafter, the server calculates a predetermined limit amount corresponding to the online account linked card based on the delivery method setting information included in the card issuance application information (2325).

In a case where the delivery method setting information includes a mail delivery method (for example, a method of delivering the online account association card in a non-face-to-face manner) according to an embodiment of the present invention, It is preferable to set a limit amount for a small amount (for example, 500,000 won, etc.), and if the original limit amount (for example, the online account linked card is a credit card associated with the online account) after the face-to-face confirmation, the credit of the customer It is preferable to set the limit amount or the online account balance card to the online account balance when the online account link card is a check card (or debit card) associated with the online account.

According to another embodiment of the present invention, the delivery method setting information is directly visited (e.g., the customer visits a branch (or branch) of the financial institution (or card issuer) directly and receives the online account linked card). Or the employee of the financial institution (or card issuer) visits the customer and delivers the online account link card). When the card is delivered to the customer (or received by the customer), the limit amount for the online account association card is set to the original limit amount (for example, when the online account connection card is a credit card associated with the online account, The credit limit of the customer, or a check card (or debit) with which the online account linked card is associated with the online account Card), it is preferable to set the online account balance).

According to another embodiment of the present invention, the delivery method setting information is an applet download method (e.g., a predetermined IC card provided with an open platform (for example, an IC card capable of post issuance of a card applet). ), The online account associated card is processed in the form of a card applet, and the card applet is downloaded to a terminal device equipped with the IC card reader according to a post-issuance procedure for the IC card and mounted on the IC card. , The server transmits the limit amount for the online account association card to the original limit amount (for example, the online amount), when the card applet corresponding to the online account association card is loaded on the customer's IC card If the account link card is a credit card linked to the online account, the credit limit amount of the customer, or the on If the line account linked card is a check card (or debit card) associated with the online account, the online account balance) may be set.

Thereafter, the server generates predetermined card ledger information including the card information and the limit amount information (2330).

According to the method of the present invention, the server processes the at least one or more card information generated by the card information generation unit 1955 into a ledger information structure that can be stored in the ledger D / B (2000) on the financial system, A predetermined card including the card information and the limit amount information by processing the limit amount information calculated by the limit amount calculation unit 1960 into a ledger information structure that can be stored in the ledger D / B 2000 on the financial system. It is preferable to generate ledger information.

Thereafter, the server stores the card ledger information in association with the online account ledger in association with the financial system (2335).

According to an embodiment of the present invention, when the financial system is the same financial system as the financial system shown in FIGS. 1 and / or 10, the server may be configured based on the customer information included in the card issuance application information. And / or confirm a customer ledger of the online account registration customer registered through the online account registration system shown in FIG. 10, or an online account registered through the online account registration system shown in FIGS. 1 and / or 10. After checking the ledger (eg, an online account ledger in the form of a virtual account or an online account ledger in the form of a prepaid card), it is preferable to generate a predetermined card ledger associated with the confirmed online account ledger (or customer ledger).

According to another exemplary embodiment of the present invention, when the financial system is a financial system different from the financial system shown in FIGS. 1 and / or 10, the server may be configured to generate the financial information based on the customer information included in the card issuance application information. Create a predetermined customer ledger in the ledger D / B 2000 on the system, generate a predetermined card ledger associated with the customer ledger, and add the online account information included in the card issuance application information to the card ledger. It is preferable to store in the form.

Hereinafter, it is preferable that the server records the card ledger information generated by the server in the card ledger so that the ledger D / B 2000 on the financial system records A card ledger associated with an online account registered through the online account registration system is provided.

Thereafter, the server generates an online account linked card including the card information in response to a delivery method corresponding to the delivery method setting information included in the card issuing application information, or generates a card applet including the card information. (2340).

When the delivery method setting information included in the card issuance request information includes any one of a postal delivery method or a direct visit method, according to an exemplary embodiment of the present invention, the server uses an MS card through a predetermined card issuing device. It is preferable to issue an online account linking card including the card information by making an online account linking card in the form of an IC card or an MS / IC mixed card.

According to another exemplary embodiment of the present invention, when the delivery method setting information included in the card issuance request information includes an applet download method, the server may post-issue to the IC card of the customer including the card information. By generating a card applet, it is preferable to issue an online account linked card including the card information.

Thereafter, the server delivers the online account linked card to the customer or provides the card applet to the customer according to the delivery method corresponding to the delivery method setting information included in the card issuing application information (2345).

According to one embodiment of the invention, the delivery method setting information included in the card issuing application information is made by including either a postal delivery method or a direct visit method, and the MS card, IC card, or MS is performed by the server. When an online account link card in the form of a / IC mixed card is produced, the server preferably delivers the online account link card to the customer according to a delivery procedure corresponding to the delivery method setting information included in the card issuance request information. .

According to another embodiment of the present invention, the shipping method setting information included in the card issuing application information includes an applet downloading method, and a card applet capable of issuing a card to the IC card of the customer by the server Once generated, the server preferably delivers the online account linked card to the customer by providing the card applet to the customer terminal device equipped with the predetermined IC card reader and recording it on the IC card via a predetermined network means. Do.

Thereafter, the server transmits the card information and the limit amount information of the issued online account linked card to the web server 1900 (2350), and the web server 1900 transmits the card information and the limit amount information. The information is further included in the online account linked card information and stored in the storage medium 1935 (2355).

24 is a diagram illustrating a face-to-face confirmation system for limit adjustment through face-to-face verification of an online account link card according to an embodiment of the present invention.

FIG. 24 is a flowchart illustrating an example of an online account connection card in which a predetermined customer who has issued an online account connection card through the card issuing system shown in FIG. 19 creates an identification card and a face-to- The predetermined image content corresponding to the ID card and the face-to-face confirmation application is obtained from the predetermined window terminal through the predetermined image acquisition device, and the face-to-face confirmation system for the online account- Face confirmation request information for the online account association card including at least one of the customer information corresponding to the identification card and the face-to-face confirmation application, the online account connection card information, and the face-to-face authentication information, If the acquired image content is provided, the Generate a face-to-face confirmation electronic document containing the content and store it in a predetermined electronic document repository, and online issued through the card issuing system shown in FIG. 19 based on the face-to-face request information for the online account link card. It is about the system configuration to adjust the limit of the account link card to the original limit amount.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 24 to infer various implementation methods for the configuration of a face-to-face verification system for an online account linked card. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 24 so that the online terminal does not acquire predetermined image content corresponding to the identification card and the face-to-face application form at the counter terminal. It is possible to realize a face-to-face confirmation of the on-line account association card through the face-to-face confirmation request information for the contact-card, and to infer a method for adjusting the limit of the on-line account contact card without generating the face- However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, if the person skilled in the art to which the present invention belongs, even when generating the face-to-face confirmation electronic document by referring to and / or modified in the figure 24, the electronic document storage for the online account link card It is to be understood that the present invention is not limited to the method shown in FIG. 24 but includes all of the above-described embodiments.

In addition, although the implementation method illustrated in FIG. 24 is described by generating a face-to-face confirmation electronic document corresponding to the identification card and / or the face-to-face application on the server side on the face-to-face verification system for the online account link card, The present invention is not limited thereto, and the face-to-face confirmation electronic document may be generated on the terminal side that obtains the image content corresponding to the identification card and / or the face- The electronic document generation function provided on the side is provided on the terminal side to generate the face confirmation electronic document), whereby the present invention is not limited.

Hereinafter, on the face-to-face confirmation system for the on-line account link card shown in FIG. 24, face-to-face request information and image content on the on-line account link card corresponding to the identification card and face-to-face application form created by the customer through a face-to-face interface. At least one means for generating a predetermined face confirmation electronic document and storing the same in a predetermined electronic document storage, and adjusting the limit amount for the online account linked card through the face verification request information for the online account linked card. And / or components corresponding to the functional configuration are referred to as " card management server 2400 " for convenience.

Referring to FIG. 24 according to the embodiment of the present invention, the face-to-face verification system for the online account linked card may be provided at at least one financial institution (or card issuing institution) branch (or branch office), or the terminal terminal. And a face-to face confirmation terminal (2475) including at least one or more merchant terminals provided in a face-to-face confirmation designation agency affiliated with a financial institution (or a card issuing organization) The face confirmation terminal 2475 is connected to a communication channel with a card management server 2400 provided on the face check system for the online account linked card through a predetermined financial network (or communication network).

According to one embodiment of the present invention, the customer visits the financial institution (or card issuing agency) branch (business branch) for limit adjustment through face-to-face verification of the online account linked card, and the financial institution (or card issuance). Agency) A predetermined face-to-face confirmation application (e.g., face-to-face verification of the online account linked card) for limit adjustment through face-to-face verification of the online account linked card through a window provided at a branch (business office). A document having a form for filling in the card information for the online linked card issued to the customer through the card issuing system shown in FIG. 19;

Thereafter, when the customer submits the predetermined identification card and the prepared face-up confirmation application to the counter staff, the counter staff scans the identification card and / or face-up confirmation application through a predetermined image obtaining apparatus to obtain predetermined image contents , Image content obtained in response to the identification card and / or face-to-face confirmation application through a predetermined window terminal, customer information and online account linkage card information written in the identification card and face-to-face confirmation application, (Or selects) the face-up confirmation request information for the on-line account-related card including at least one face-up authentication information for authenticating that the face-up authentication has been performed by the face-to- Through the financial network, information about the confirmation of the face-to-face request for the linked card can be To the card management server 2400 provided on the face-to-face verification system for the online-account-related card.

Here, the teller terminal preferably includes all kinds of terminal devices used by employees of the branch (or branch) of the financial institution (or card issuer), and the card management server 2400 connected to the teller terminal is provided. It is preferable to include all the servers provided to manage and operate the online account linked card issued to the customer through the card issuing system shown in Figure 19, the teller terminal and the card management server 2400 It is preferable that the financial network to be connected includes a branch network connecting a communication channel between the window terminal and the card management server 2400.

An image acquisition device for acquiring an image content corresponding to an identification card and a face-to-face confirmation application created by the customer; and an image acquiring device for acquiring image contents corresponding to the window terminal, the window terminal, The financial network connecting the card management server 2400 performs a function of a face-to-face verification interface for transmitting the face-to-face request information for the online account linked card for the customer to adjust the limit through face-to-face verification of the online account linked card. Do.

According to another embodiment of the present invention, the customer visits a face-up confirmation designation agency affiliated with the financial institution (or a card issuing organization) for adjusting the limit through face-to-face confirmation of the online account-contact card, A predetermined face confirmation application (eg, customer information applying for face-to-face verification of the online account linked card and a card issuing system shown in FIG. 19) for limit adjustment through a face-to-face verification of the online account linked card at a designated institution And a form having a form for filling in the card information for the online link card issued to the customer).

Subsequently, when the customer submits a predetermined ID and the prepared face verification application to a face verification designated agency employee, the face verification designated agency employee scans the ID and / or face confirmation application through a predetermined image acquisition device to determine Image content acquired through a predetermined institution terminal and corresponding to the identification card and / or the face-to-face confirmation application, the customer information written on the identification card and the face-to-face confirmation application, the online account connection card information, and the face-to-face (Or selects) face-to-face confirmation request information for the on-line account connection card including at least one face-up authentication information for authenticating that the confirmation designation agency employee has confirmed the face-to-face verification through the ID card, The agency terminal is responsible for the image content and the online account link card. To transmit the check request information, face-to-face to the card management server 2400 provided on the face verification system for the online account card linked through the communication network is preferred.

Here, the institution terminal preferably comprises all kinds of terminal devices used by employees of the branch (or branch) of the financial institution (or card issuing institution), the card management server 2400 connected to the institution terminal is It is preferable to include all the servers provided for managing and operating the online account linked card issued to the customer through the card issuing system shown in Figure 19, the institution terminal and the card management server 2400 is connected Preferably, the communication network includes a wired or wireless communication network connecting a communication channel between the engine terminal and the card management server 2400.

In the face-to-face confirmation system for the online account linked card as described above, an image acquisition device for acquiring image content corresponding to the identification card and face-to-face confirmation application prepared by the customer, the institution terminal used by the employee and the institution terminal and the The communication network connecting the card management server 2400 performs a function of a face-to-face confirmation interface for transmitting the face-to-face confirmation request information to the online account-related card for the purpose of adjusting the limit through the face- .

According to another exemplary embodiment of the present invention, the customer visits the face-to-face designated designated store affiliated with the financial institution (or the card issuing institution) to adjust the limit through the face-to-face verification of the online account linked card, and the face-to-face. A confirmation confirmation application for a face-to-face application for limit adjustment through face-to-face verification of the online account link card (for example, customer information applying for face-to-face verification of the online account link card and the card issuing system shown in FIG. 19). A document with a form for filling in card information for an online linked card issued to the customer).

Then, when the customer submits the predetermined identification card and the created face-up confirmation application to the face-to-face confirmation merchant employee, the franchisee employee scans the identification card and / or face-up confirmation application through a predetermined image- Acquiring the image content obtained in correspondence with the identification card and / or the face-to-face confirmation application through the predetermined merchant terminal, the customer information and the online account linkage card information written in the identification card and the confrontation confirmation application, (Or selects) the face-up confirmation request information for the online account-related card including at least one face-up authentication information for authenticating that the customer has been verified through the identification card, Face-to-face checks for It is preferable to transmit the information to the card management server 2400 provided on the face-to-face verification system for the online account linked card through the communication network.

Here, the merchant terminal preferably includes all kinds of terminal devices used by the employees of the financial institution (or card issuing organization) branch (or branch office), and the card management server 2400 connected to the merchant terminal It is preferable that all the servers provided for managing and operating the online account association card issued to the customer through the card issuing system shown in FIG. 19 are connected to the card management server 2400 The communication network preferably comprises a wired or wireless communication network connecting the communication channel between the merchant terminal and the card management server 2400.

An image acquisition device for acquiring an image content corresponding to an identification card and a face-to-face confirmation application created by the customer; an image acquisition device for acquiring image contents corresponding to the merchant terminal and the merchant terminal, The communication network connecting the card management server 2400 performs a function of a face-to-face confirmation interface for transmitting the face-to-face confirmation request information to the online account-related card for the purpose of adjusting the limit through the face- .

According to the present invention, at the face-to-face confirmation terminal 2475 including at least one or more merchant terminals provided at the window terminal and / or the face-up confirmation designation agency and / or the merchant terminals provided at the face- 2400), the face-to-face confirmation request information for the on-line account association card includes information on the customer, information on the on-line account association card corresponding to the face-up confirmation application, It is preferable to include at least one or more face-to-face authentication information input by the employee and / or the face-to-face identification designated merchant staff.

Here, the customer information, preferably comprises at least one or more customer name, social security number and address information confirmed from the identification card of the customer.

In addition, the online account link card information, the card information corresponding to the online account link card entered in the face-to-face confirmation application (or the card issued to the customer through the card issuing system shown in Figure 19, the counter staff (or Face-to-face confirmation designation personnel, or face-to-face designation affiliated store personnel) preferably includes card information obtained by visual confirmation.

In addition, the face-to face authentication information indicates that the customer who has been issued the online account association card through the customer's identification card has visually confirmed the customer by the counter-teller (or face-up confirmation designation agency employee or face- (For example, a resident registration number of a confrontation person, employee identification information on a face-to-face person, a branch (or a branch office), and a branch office identification information) to the counter staff Information, or face-to-face confirmation designator information, or face-to-face confirmation designated merchant information), and at least one or more authentication information (for example, the face-to-face password) for authenticating the face-to-face.

The card management server 2400 provided on the face-to-face verification system for the online-account-related card according to the present invention is connected to the face-to-face verification terminal 2475 via the predetermined banking network (or communication network) A generic term for a system-side component for a face-to-face identification, comprising at least one server (or device), and / or at least one or more programs recorded on a record carrier provided in a given server (or device). The present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the card management server 2400 includes an interface unit 2405 for connecting and managing the communication terminal 2475 and a predetermined communication channel through the financial network (or communication network). Characterized in that made.

According to an exemplary embodiment of the present invention, when the facing confirmation terminal 2475 is a window terminal connected to a predetermined financial network, the interface unit 2405 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in the face-to-face related program provided in the window terminal.

According to another exemplary embodiment of the present invention, when the facing confirmation terminal 2475 is an engine terminal of a facing confirmation designation authority connected to a predetermined communication network, the interface unit 2405 is based on a protocol stack defined in the communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the engine terminal and at least one information (or data) transmission and reception using a communication protocol defined in a face-to-face related program included in the engine terminal.

According to another embodiment of the present invention, when the face-to-face confirmation terminal 2475 is a merchant terminal of a face-up confirmation designation merchant terminal connected to a predetermined communication network, the interface 2405 may receive a protocol stack defined in the communication network, It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the affiliated store terminal and using a communication protocol defined in the face-to-face related program included in the affiliated store terminal. .

Referring to FIG. 24, the card management server 2400 connects a predetermined communication confirmation terminal 2475 to a predetermined communication channel with the card management server 2400 through the interface unit 2405, or the online. In the case of requesting the face-to-face confirmation of the account-linked card, the identification card and / or the identification card created by the customer through the predetermined image acquisition device provided in the face- (Or selects) the face-up confirmation request information for the online account-related card corresponding to the identification card and the face-to-face confirmation application, and transmits the face-up confirmation request information to the card management server 2400 Generate (or extract) at least one user interface, and generate (or extract) the user in association with the interface unit 2405. An interface providing unit 2410 for providing a user interface to the face verification terminal 2475 and an online account link card corresponding to the identification card and / or face verification application through the user interface at the face verification terminal 2475; (Or select) the face-to-face confirmation request information to the face-up confirmation terminal 2475 in association with the interface unit 2405, 2415 and the face confirmation terminal 2475 acquires and transmits image contents corresponding to the identification card and / or face confirmation application created by the customer through a predetermined image acquisition device based on the user interface, In connection with the unit 2405, image content corresponding to the identification card and / or the face-to-face confirmation application may be received. The body is characterized by comprising an image receiving unit 2420.

The interface providing unit 2410 connects a predetermined communication channel with the card management server 2400 through the interface checking terminal 2475, and then sends the card management server 2400 to the card management server 2400. When requesting a user interface for limit adjustment through face-to-face verification of an online account linked card, the user corresponds to an identification card and / or face-to-face confirmation application prepared by the customer through a predetermined image acquisition device included in the face-to-face confirmation terminal 2475. The card management server 2400 acquires image content, inputs (or selects) face-to-face request information on an online account linked card corresponding to the identification card and / or face-to-face application and through the financial network (or communication network). Create one or more user interfaces for transmission to a network, and / or extract from a database (not shown) In conjunction with the face portion 2405 and characterized in that it provides to make the generated (or extracted) of the face-to-face through the financial network (or communication network), the user interface terminal (2475).

According to another embodiment of the present invention, the face-to-face confirmation terminal 2475 acquires the image content corresponding to the identification card and / or the face-to-face confirmation application created by the customer through the predetermined image acquisition device, Predetermined with at least one user interface for inputting (or selecting) face-to-face request information for the online account link card corresponding to the application to be transmitted to the card management server 2400 via the financial network (or communication network). When a face-to-face confirmation program is provided, the image content corresponding to the identification card and / or the face-to-face confirmation application is obtained through a predetermined image acquisition device as described above, and the online account corresponding to the identification card and / or the face-to-face confirmation application is linked. The card management server 24 may input (or select) face-to-face request information for a card. The interface providing unit 2410 for generating (or extracting) a user interface for transmitting to the face-to-face terminal 2475 may be omitted, and the present invention is not limited thereto.

Thereafter, the face confirmation terminal 2475 inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface. And transmits the face-up confirmation request information for the input (or selected) online account-related card to the card management server 2400 through the financial network (or the communication network) In connection with the interface unit 2405, it is characterized in that for receiving the face-to-face request information for the online account associated card transmitted from the face-to-face confirmation terminal 2475.

In addition, the facing confirmation terminal 2475 acquires image contents corresponding to the identification card and / or facing confirmation application through a predetermined image obtaining apparatus based on the user interface, and obtains the obtained image contents from the financial network ( Or a communication network) to the card management server 2400, and in response thereto, the image receiving unit 2420 receives image contents corresponding to the identification card and / or the face-to-face application in association with the interface unit 2405. Characterized in that.

According to another exemplary embodiment of the present invention, the face confirmation terminal 2475 acquires image contents corresponding to the ID card and / or face confirmation application prepared by the customer through a predetermined image acquisition device, and the face check terminal 2475. When previously stored in a predetermined storage device provided in (or associated with) the face verification terminal 2475, the identification card and / or the face-to-face of at least one or more image contents previously stored in the storage device are stored through the user interface. An image content corresponding to the confirmation application is selected and transmitted to the card management server 2400 through the financial network (or a communication network). In response, the image receiving unit 2420 is connected to the interface unit 2405. It is desirable to receive image content corresponding to the identification card and / or the face-to-face application.

According to another exemplary embodiment of the present invention, the image confirmation corresponding to the identification card and / or the face confirmation application and the online account corresponding to the identification card and / or the face confirmation application are provided through the user interface at the face confirmation terminal 2475. In the case of transmitting the face-to-face request information for the linked card together, the information receiving unit 2415 may link with the interface unit 2405 to the online content linked card and the image content corresponding to the identification card and / or the face-to-face application. It is possible to receive the face confirmation request information together (for example, the image receiver 2420 is integrated with the information receiver 2415 and operated), and the present invention is not limited thereto.

Referring to FIG. 24, when the card management server 2400 receives the face verification request information for the online account link card transmitted from the face check terminal 2475 through the information receiver 2415, the received card management server 2400 receives the face check request information. Characterized in that the verification request information for the face-to-face verification request for the online account linked card is provided with a validity authentication unit for checking the validity for limit adjustment through the face-to-face verification of the online account linked card.

According to an embodiment of the present invention, the validation of the face verification request information on the online account link card may include at least one or more matched with the face check request information on the online account link card in the ledger D / B on the financial system. It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 2425 includes checking whether the customer information matches the customer ledger stored in the ledger D / B on the financial system, among the information included in the face-to-face request information for the online account link card. It is preferable to make it.

In addition, the validity verification unit 2425 is a card associated with the customer ledger stored in the ledger D / B on the financial system of the online account linked card information of the information contained in the face-to-face verification request information for the online account linked card It is preferable to include checking whether the match with the ledger.

Referring to FIG. 24, the card management server 2400 receives the image content transmitted from the face confirmation terminal 2475 through the image receiver 2420, and receives the online information through the validity checker 2425. When the validity of the face verification request information on the account link card is authenticated, an electronic document generation unit 2430 for generating a predetermined face confirmation electronic document including the received image content, and the generated face confirmation electronic document. And an electronic document transmission unit 2435 for transmitting to the electronic document repository associated with the face-to-face verification system for the online account link card.

The electronic document generator 2430 may generate a face confirmation electronic document including the image content received from the face check terminal 2475 through the image receiver 2420.

According to an embodiment of the present invention, the electronic document generation unit 2430 links the image file including the image content received from the face-to-face confirmation terminal 2475 via the image receiving unit 2420 as it is to the online account. It is desirable to process the face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the card.

Alternatively, the electronic document generation unit 2430 faces the online account associated card received through the information receiving unit 2415 to the image content received from the face confirmation terminal 2475 through the image receiving unit 2420. Face-to-face verification of the online account link card includes an image file corresponding to an image content including watermarking method of at least one of customer information included in the verification request information, the online account link card information, and face-to-face authentication information. It is desirable to create a face-to-face electronic document for limit adjustment.

According to another exemplary embodiment of the present invention, the electronic document generating unit 2430 includes a predetermined document file (eg, the image content received from the face-to-face terminal 2475 through the image receiving unit 2420). Linking the online account by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create a face-to-face electronic document for limit adjustment through face-to-face verification of the card.

Alternatively, the electronic document generation unit 2430 faces the online account associated card received through the information receiving unit 2415 to the image content received from the face confirmation terminal 2475 through the image receiving unit 2420. A predetermined document including image information including at least one of customer information included in the verification request information, at least one of online account linked card information, and face-to-face authentication information by a watermarking method, and a predetermined document including the generated image content 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 generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account linked card.

According to another exemplary embodiment of the present invention, the electronic document generator 2430 may receive the image content and the information receiver 2415 received from the face-to-face confirmation terminal 2475 through the image receiver 2420. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the face-to-face request information on the received online account link card. By generating a word processor file or a web document file including MHT), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account link card.

Alternatively, the electronic document generation unit 2430 faces the online account associated card received through the information receiving unit 2415 to the image content received from the face confirmation terminal 2475 through the image receiving unit 2420. Generating image contents including at least one of customer information included in the verification request information, at least one of online account linked card information, and face-to-face authentication information by watermarking, and generating the generated image content and the online account linked card. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including face-to-face request information for By creating a web document file including), limit adjustment through the face-to-face verification of the online account linked card It is desirable to create a face-to-face confirmation electronic document.

If the person skilled in the art to which the present invention pertains, the electronic document generation unit 2430, the technical features to generate a face-to-face confirmation electronic document of the image file format and / or a predetermined document file format, and the face-to-face confirmation Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 2435 transmits and stores the face confirmation electronic document generated by the electronic document generation unit 2430 to a predetermined electronic document repository associated with the face verification system for the online account link card. It is characterized by.

As shown in FIG. 24, the electronic document repository is connected with a predetermined electronic document server 2450 and an electronic document linked with a card management server 2400 on a face-to-face verification system for the online account linked card through predetermined communication means. When provided to the outside including the D / B 2470, the electronic document transmission unit 2435 transmits the face confirmation electronic document generated by the electronic document generation unit 2430 through the communication means. Characterized in that the transmission to the server (2450).

Here, when the electronic document server 2450 and the electronic document D / B 2470 are provided outside the face-to-face confirmation system for the online account link card, the electronic document server 2450 and the electronic document D / B 2470 is preferably managed by an accredited organization.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the face-to-face verification system for the online account linked card, the electronic document transmitting unit 2435 is the electronic document generating unit 2430. It is possible to store the face confirmation electronic document generated by the electronic document D / B (2470) corresponding to the electronic document storage on the DBMS provided in the face verification system for the online account linked card, thereby This is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 2435 may include electronic document-related information (eg, an ID corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 2450. Customer information that has matched or completed the face-to-face application, and / or financial institution (or card issuer) information that transmits the face-to-face confirmation electronic document, and / or electronic document file format information, and / or the online account association. It is possible to further transmit to the electronic document storage, and the like, such as the face-to-face confirmation request information for the card, thereby the present invention is not limited.

Referring to FIG. 24, the card management server 2400 may request that the face verification request information for the online account link card received through the information receiver 2415 be transferred to the online account link card through the validity check unit 2425. If the validity for limit adjustment through face-to-face verification is authenticated, delivery of the online account linked card is based on the customer information and the online account linked card information included in the face verification request information for the validated online account linked card. Information confirmation unit 2440 for confirming whether the non-face-to-face (for example, mail delivery) is made, and when the online account linked card delivery is made in a non-face-to-face, the verification information for the face-to-face linked card information Original limit of the amount of the online account linked card based on the face-to-face authentication information contained in Provided with a limit amount adjustment unit (2445) that adjusts characterized in that formed.

The information checking unit 2440 is issued to the customer through the card issuing system shown in FIG. 19 by using the customer information and the online account link card information included in the face-to-face request information for the online account link card. By checking the card ledger corresponding to the online account linked card, and confirming the delivery method information for the online linked card stored in the card ledger, whether the online account linked card delivery was made in a non-face-to-face manner (eg, mail delivery). It is characterized by checking.

When the verification result of the information confirming unit 2440 confirms that the online account linked card delivery is made in a non-face-to-face manner (for example, by mail delivery), the limit amount adjusting unit 2445 is configured for the online account linked card. The limit amount of the online account linked card is adjusted to the original limit amount based on the face authentication information included in the face confirmation request information.

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the limit amount adjustment unit 2445 adjusts the limit amount of the online account link card to the credit limit amount of the customer. It is preferable.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the limit amount adjustment unit 2445 may set the limit amount of the online account link card to the online account. It is desirable to adjust the balance to the online account associated with the linked card.

Referring to FIG. 24, a predetermined face confirmation electronic document is received from the card management server 2400 provided on the face check system for the online account linked card and stored in a predetermined electronic document D / B 2470. The managing electronic document server 2450 includes an electronic document receiving unit 2455 for receiving a predetermined facing confirmation electronic document from the card management server 2400 through a predetermined communication means, and the received facing confirmation electronic document. An information generation unit 2460 for generating predetermined electronic document management information for storage and management in the electronic document D / B 2470, and the electronic document management information and the face-to-face confirmation electronic document in a cooperative process. And an electronic document storage unit 2465 stored in the D / B 2470.

The electronic document receiving unit 2455 is characterized in that for receiving the face confirmation electronic document in the form of an image file and / or document file from the card management server 2400 through the communication means.

According to an exemplary embodiment of the present invention, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be configured to display image contents received by the card management server 2400 from the face check terminal 2475. It is preferable that the image file is included as it is.

Alternatively, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be added to the online account link card to the image content received by the card management server 2400 from the face check terminal 2475. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information included in the face-to-face confirmation request information, the online account linked card information and the face-to-face authentication information in a watermarking manner.

According to another embodiment of the present invention, the face confirmation electronic document received by the electronic document receiving unit 2455 through the communication means is the image content received by the card management server 2400 from the face checking terminal 2475. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be included in the image content received by the card management server 2400 from the face check terminal 2475 for the online account associated card. A predetermined document file (eg, a PDF (Portable Document) including image content including watermarking method of at least one of customer information included in the face-to-face request information, online account linked card information, and face-to-face authentication information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means is an image received by the card management server 2400 from the face confirmation terminal 2475. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing contents and the face-to-face request information on the online account link card. A word processor file, or a web document file including MHT).

Alternatively, the face confirmation electronic document received by the electronic document receiver 2455 through the communication means may be included in the image content received by the card management server 2400 from the face check terminal 2475 for the online account associated card. It includes image content including watermarking method of at least one of customer information, online account linked card information and face-to-face authentication information included in the face-to-face request information and face-to-face request information on the online account linked card. 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 2460 is a predetermined electronic document unique number (or unique information) to be assigned to the facing confirmation electronic document received through the electronic document receiving unit 2455, and the facing through the electronic document receiving unit 2455. And generating electronic document management information including electronic document storage date and time information including a date and time at which the confirmation electronic document was received (or a date and time at which the confirmation electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 2460 refers to the face confirmation electronic document by referring to the card management server 2400 which has transmitted the face confirmation electronic document received through the electronic document receiving unit 2455. It is preferable to check the financial institution (or card issuing agency) that has transmitted the information, and to generate electronic document management information further including the identified financial institution (or card issuing institution) information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the card management server 2400 through the electronic document receiving unit 2455, the information generating unit 2460 receives the received information. Electronic document-related information (e.g., customer information that matches an identification card corresponding to the image content, or has created the face-to-face confirmation application, and / or financial institution (or card issuer) information transmitting the face-to-face confirmation electronic document, and And / or electronic document file format information, and / or face-to-face request information for the online account link card, etc.).

The electronic document storage unit 2465 associates a face-to-face confirmation electronic document received through the electronic document receiving unit 2455 with electronic document management information generated by the information generating unit 2460, thereby providing a predetermined electronic document D / D. It stores in the B (2470).

According to the exemplary embodiment of the present invention, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 is the card management server 2400 of the face confirmation terminal 2475. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 may be added to the image content received by the card management server 2400 from the face check terminal 2475. And an image file corresponding to an image content including at least one of customer information included in the face verification request information for the online account link card and at least one of the online account link card information and the face authentication information in a watermarking manner. It is preferable to make it.

According to another exemplary embodiment of the present invention, the face management electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 is the card management server 2400 of the face confirmation terminal 2475. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 may be included in the image content received by the card management server 2400 from the face check terminal 2475. A predetermined document file including image content including watermarking method of the customer information included in the face-to-face request information for the online account linked card and at least one of the online account linked card information and the face-to-face authentication information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to another embodiment of the present invention, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 is the card management server 2400 the face confirmation terminal ( 2475) a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing image content received from 2475 and face-to-face request information on the online account link card. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the face confirmation electronic document stored in the electronic document D / B 2470 by the electronic document storage unit 2465 may be included in the image content received by the card management server 2400 from the face check terminal 2475. Image information including the customer information included in the face-to-face request information for the online account link card and at least one of the online account link card information and the face-to-face authentication information by watermarking and the online account link card A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including the face-to-face request information, or an MHT. Web document files, etc.) to be included.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 2470 by the electronic document storage unit 2465 in association with the face confirmation electronic document is stored in the face confirmation electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned 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 2470 by the electronic document storage unit 2465 in association with the face confirmation electronic document is stored in the face confirmation electronic document. Preferably, the card management server 2400 may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the card management server 2400, the electronic document storage unit 2465 processes the electronic document by linking with the face confirmation electronic document. The electronic document management information stored in the document D / B 2470 may correspond to the received electronic document related information (eg, identification information corresponding to the image content, or customer information for which the face-to-face application has been prepared), and / or Financial institution (or card issuing institution) information for transmitting the face-to-face confirmation electronic document, and / or electronic document file format information, and / or face-to-face request information for the online account linked card, etc.). Do.

25A and 25B illustrate a face-to-face verification process for an online account link card according to an embodiment of the present invention.

More specifically, FIGS. 25A and 25B illustrate a case in which an online linked card issued through the card issuing system shown in FIG. 19 is delivered in a non-face-to-face manner (for example, mail delivery), and the limit amount is set to a small amount. When a customer of, fills out and submits an identification card and / or a face-to-face application that includes at least one of customer information, online account linked card information, and face-to-face verification information for limit adjustment through face-to-face verification of the online account linked card, The confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or the face-to-face confirmation application through a predetermined image acquisition device, and the face-to-face confirmation system for the online account linked card through the face-to-face interface. Face-to-face verification of online account link card corresponding to ID and / or face-to-face verification application Providing the requested information and the image content obtained from the identification card and / or the face-to-face application, a predetermined face verification electronic document including the image content is generated and stored in a predetermined electronic document repository, and linked to the online account. A method of adjusting the limit amount of the online account link card to the original limit amount based on the customer information included in the face verification request information on the card and the online account link card information and the face authentication information. After acquiring a predetermined image content corresponding to the identification card and / or the facing confirmation application through a predetermined image acquisition device in the facing confirmation terminal 2475 and transmitting it to the card management server 2400, the identification card and / or facing Please provide the face-to-face request information for the online account link card that corresponds to the verification application. Force (or select) to illustrate the exemplary method of transmitting to the card management server (2400).

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 25a and 25b to provide the online account link card with the card management server 2400 to the card management server 2400. Various implementation methods for registering the face-to-face request information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 25A and 25B.

For example, in the implementation method illustrated in FIGS. 25A and 25B, the face confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or face confirmation application through a predetermined image acquisition device to manage the card. When provided to the server 2400, the card management server 2400 is to include a face-to-face confirmation electronic document corresponding to the image content is stored in a predetermined electronic document storage, but the image content acquisition and electronic document Storage may be omitted, and the present invention is not limited thereto.

Hereinafter, the face confirmation terminal 2475 shown in FIG. 24 in FIGS. 25A and 25B will be referred to as "terminal" for convenience, and the card management server 2400 shown in FIG. 24 will be referred to as "server" for convenience. The customer information and the online account link card information and the face authentication information transmitted from the face check terminal 2475 to the card management server 2400 are referred to as "face check request information for the online account link card" for convenience.

Referring to FIGS. 25A and 25B, an identification card and / or face-to-face verification including at least one customer information, online account linking card information, and face-to-face authentication information for a given customer to adjust the limit through face-to-face verification of the online account linking card After completing and submitting an application, the face-to-face confirmation terminal 2475 shown in FIG. 24 connects to the server through a predetermined financial network (or a communication network) and connects the ID and / or face-to-face with a predetermined communication channel. When requesting a user interface for limit adjustment through face-to-face verification of the online account link card corresponding to the confirmation application (2500), the server correspondingly to the identification card created by the customer through a predetermined image acquisition device in the terminal and / Or a user interface for acquiring predetermined image content corresponding to a face-to-face application and transmitting the same to the server. Generating a database (or extract), and 2505, and output to through the financial network (or communication network) sends the user interface the generated (or extracted) to the mobile station (2510).

Thereafter, the terminal acquires image content corresponding to the identification card and / or the face-to-face application through a predetermined image acquisition device based on the user interface (2515).

If image content corresponding to the identification card and / or the face-to-face application is obtained through the image acquisition device (2520), the terminal transmits the acquired image content to the server through the financial network (or communication network). (2525).

Subsequently, the server may provide face verification request information for the online account link card including at least one of customer information corresponding to the identification card and / or face verification application matching the image content, and online account link card information and face authentication information. Input (or select) to generate (or extract) a user interface for transmission to the server (2530), and transmits the generated (or extracted) user interface to the terminal through the financial network (or communication network) output (2535).

Thereafter, the terminal inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface (2540).

If face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information is input (or selected) through the user interface (2545), the terminal determines the In step 2550, the face verification request information for the input (or selected) online account link card is transmitted to the server through a financial network (or a communication network).

Thereafter, the server receives and reads the face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the financial network (or communication network). The validity of the face verification request information on the account link card is verified (2555).

According to an embodiment of the present invention, the validity verification of the face verification request information for the online account link card is performed by the online account link card to the ledger D / B on the financial system linked to the face check system for the online account link card. Preferably, at least one ledger information matching with the face-to-face request information is included.

For example, the validity verification of the face verification request information on the online account link card may include the customer information stored in the ledger D / B on the financial system, among the information included in the face check request information on the online account link card. It is preferable to include checking whether the match with the customer ledger.

In addition, the validity of the face verification request information for the online account linked card is the information contained in the face verification request information for the online account linked card, the online account linked card information is the ledger D / B on the financial system It is preferably made to include matching with the card ledger associated with the customer ledger stored in.

If the validity of the face verification request information for the online account link card is not authenticated (2560), the server generates predetermined face check error information and transmits it to the terminal (2565). The information registration procedure corresponding to the face-to-face confirmation request information is not performed.

On the other hand, if the validity of the face verification request information for the online account linked card is authenticated (2560), the server generates a predetermined face verification electronic document including the image content (2570).

According to an exemplary embodiment of the present invention, the server performs face-to-face confirmation of the online account linked card as it is, with the image file including the image content received from the face-to-face confirmation terminal 2475 through the image receiver 2420. It is desirable to process the face-to-face confirmation electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Face-to-face image file corresponding to image contents including at least one of customer information, online account linked card information, and face-to-face authentication information for watermarking through face-to-face verification of the online account linked card It is desirable to create a confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a face-to-face electronic document for limit adjustment.

Alternatively, the server may include the image content received from the face verification terminal 2475 through the image receiver 2420 in the face verification request information for the online account link card received through the information receiver 2415. Generate an image content including at least one of customer information, online account-linked card information, and face-to-face authentication information by watermarking, and a predetermined document file (eg, PDF) including the generated image content (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a face-to-face confirmation electronic document for limit adjustment through face-to-face verification.

According to another exemplary embodiment of the present invention, the server associates the image content received from the face-to-face confirmation terminal 2475 with the online account received through the information receiver 2415 through the image receiver 2420. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one face verification request information on the card, or By generating a web document file including the MHT), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account link card.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generating image contents including at least one of customer information, online account linked card information, and face-to-face authentication information by watermarking, and generating face-to-face request information for the generated image content and the online account linked card 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) Face-to-face verification for limit adjustment through face-to-face verification of the online account linked card) It is desirable to produce a consultation document.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a face confirmation electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the face confirmation electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated face confirmation electronic document in a predetermined electronic document storage (2575).

As shown in FIG. 24, the electronic document repository is connected to a server on the face-to-face verification system for the online account link card with a predetermined electronic document server 2450 and an electronic document D / B 2470 through predetermined communication means. When the server is provided externally, the server transmits the generated confirmation electronic document to the electronic document server 2450 through the communication means and stores the electronic document server 2450 in the electronic document D / B 2470. desirable.

Or, if the electronic document storage is provided on the DBMS provided in the face-to-face verification system for the online account link card, the server sends the generated face verification electronic document in the face-to-face verification system for the online account link card. It is possible to store in the electronic document D / B (2470) corresponding to the electronic document storage on the provided DBMS, whereby the present invention is not limited.

According to the method of the present invention, the storing of the face confirmation electronic document in the electronic document storage is performed by linking the generated face confirmation electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 2470.

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

The electronic document management information may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, matching the identification card corresponding to the image content, or the customer information that created the face-to-face confirmation application, and / or the financial for transmitting the face-to-face confirmation electronic document Organization (or card issuing agency) information, and / or electronic document file format information, and / or face-to-face request information for the online account linked card, etc.).

If the face confirmation electronic document is stored in the electronic document repository (2580), the server links the online account through the online account link card information and the customer information included in the face check request information for the online account link card. It is checked whether the card is delivered in a non-face to face manner (eg, mail delivery) (2585).

According to an embodiment of the present invention, the server uses the customer information and the online account linked card information included in the face verification request information for the online account linked card through the card issuing system shown in FIG. 19. By confirming the card ledger corresponding to the online account linked card issued to the user, and confirming the delivery method information for the online linked card stored in the card ledger, the online account linked card delivery is non-face-to-face (for example, mail delivery). It is desirable to check whether the made.

If the delivery of the online account link card is not performed in a non-face-to-face manner (eg, mail delivery) (eg, after the card applet corresponding to the face-to-face approach (eg, direct visit or face-to-face), the delivery of the online account link card is performed. 2590, the server generates (or extracts) a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment failure and transmits the result to the terminal (2599).

On the other hand, if the delivery of the online account link card is made in a non-face-to-face manner (eg, mail delivery) (2590), the server may be configured based on the face authentication information included in the face-to-face request information for the online account link card. The limit amount of the online account linked card is adjusted to the original limit amount (2595), and a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment success is generated (or extracted) and transmitted to the terminal (2599). ).

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the server may adjust the limit amount of the online account link card to the credit limit amount of the customer.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the server may limit the limit amount of the online account link card to the online account link card. It is preferable to adjust the balance of the online account.

26A and 26B illustrate a face-to-face verification process for an online account link card according to another embodiment of the present invention.

In more detail, FIGS. 26A and 26B illustrate a case in which an online linked card issued through the card issuing system shown in FIG. 19 is delivered in a non-face-to-face manner (for example, mail delivery) and the limit amount is set to a small amount. When a customer of, fills out and submits an identification card and / or a face-to-face application that includes at least one of customer information, online account linked card information, and face-to-face verification information for limit adjustment through face-to-face verification of the online account linked card, The confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or the face-to-face confirmation application through a predetermined image acquisition device, and the face-to-face confirmation system for the online account linked card through the face-to-face interface. Face-to-face verification of online account link card corresponding to ID and / or face-to-face verification application Upon providing the requested information and the image contents obtained from the identification card and / or the face-to-face application, a predetermined face confirmation electronic document including the image contents is generated and stored in a predetermined electronic document storage, and the online account linked card A method of adjusting the limit amount of the online account link card to the original limit amount based on the customer information, the online account link card information, and the face-to-face authentication information included in the face-to-face request information, After confirming (2475) inputs (or selects) the face-to-face request information for the online account linked card corresponding to the identification card and / or the face-to-face confirmation application and transmits it to the card management server 2400, a predetermined image is acquired. A predetermined image corresponding to the identification card and / or the face-to-face application via a device A method of obtaining content and transmitting the content to the card management server 2400 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 26a and 26b to the card management server 2400 from the face-to-face confirmation terminal 2475 to the online account link card. Various implementation methods for registering the face-to-face request information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 26A and 26B.

For example, in the implementation method shown in FIGS. 26A and 26B, the face confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or face confirmation application through a predetermined image acquisition device, and thus the card. When provided to the management server 2400, the card management server 2400 includes the generation of a face-to-face confirmation electronic document corresponding to the image content and storing in a predetermined electronic document storage, but the image content acquisition and electronic Document storage may be omitted, and the present invention is not limited thereto.

Hereinafter, the face confirmation terminal 2475 shown in FIG. 24 in FIG. 26A and FIG. 26B will be referred to as "terminal" for convenience, and the card management server 2400 shown in FIG. 24 will be referred to as "server" for convenience. The customer information and the online account link card information and the face authentication information transmitted from the face check terminal 2475 to the card management server 2400 are referred to as "face check request information for the online account link card" for convenience.

Referring to FIGS. 26A and 26B, an identification card and / or face-to-face verification including at least one customer information, online account linking card information, and face-to-face authentication information for a predetermined customer to adjust the limit through face-to-face verification of the online account linking card After completing and submitting an application, the face-to-face confirmation terminal 2475 shown in FIG. 24 connects to the server through a predetermined financial network (or a communication network) and connects the ID and / or face-to-face with a predetermined communication channel. When requesting a user interface for limit adjustment through face-to-face verification of an online account link card corresponding to the confirmation application (2600), the server may correspond to customer information corresponding to the identification card and / or face-to-face confirmation application created by the customer. For an online account linked card that includes at least one online account linked card information and face-to-face authentication information. Generate (or extract) a user interface for inputting (or selecting) verification request information to the server (2605), and generating the user interface generated (or extracted) through the financial network (or communication network). And transmits the result to 2602.

Thereafter, the terminal inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface (2615).

If face-to-face request information is input (or selected) for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the user interface (2620), The contact confirmation request information for the input (or selected) online account link card is transmitted to the server through a financial network (or a communication network) (2625).

Thereafter, the server receives and reads the face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the financial network (or communication network). The validity of the face verification request information on the account connection card is verified (2630).

According to an embodiment of the present invention, the validity verification of the face verification request information for the online account link card is performed by the online account link card to the ledger D / B on the financial system linked to the face check system for the online account link card. Preferably, at least one ledger information matching with the face-to-face request information is included.

For example, the validity of the face verification request information on the online account link card may include the information stored in the face check request information on the online account link card, wherein the customer information is stored in the ledger D / B on the financial system. It is preferable to include checking whether the match with the ledger.

In addition, the validity of the face verification request information for the online account linked card is the information contained in the face verification request information for the online account linked card, the online account linked card information is the ledger D / B on the financial system It is preferably made to include matching with the card ledger associated with the customer ledger stored in.

If the validity of the face verification request information for the online account link card is not authenticated (2635), the server generates predetermined face check error information and transmits the predetermined face check error information to the terminal (2640). The information registration procedure corresponding to the face-to-face confirmation request information is not performed.

On the other hand, if the validity of the face-to-face request information for the online account linked card is authenticated (2635), the server corresponds to a predetermined ID and / or face-to-face application form created by the customer through a predetermined image acquisition device in the terminal. Generating (or extracting) a user interface for acquiring and transmitting image content of the image to the server (2645), and transmitting and outputting the generated (or extracted) user interface to the terminal through the financial network (or a communication network). (2650)

Thereafter, the terminal acquires image content corresponding to the identification card and / or the face-to-face application through a predetermined image acquisition device based on the user interface (2655).

If image content corresponding to the identification card and / or the face-to-face application is acquired through the image acquisition device (2660), the terminal transmits the acquired image content to the server through the financial network (or communication network). (2665).

In operation 2670, the server that receives the face confirmation request information and the image content of the online account link card from the terminal generates a face confirmation electronic document including the image content.

According to an exemplary embodiment of the present invention, the server receives an image file including the image contents received from the face confirmation terminal 2475 through the image receiver 2420 through face-to-face verification of the online account link card as it is. It is desirable to treat it as a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Face-to-face image file corresponding to image contents including at least one of customer information, online account linked card information, and face-to-face authentication information for watermarking through face-to-face verification of the online account linked card It is desirable to create a confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generate image content including at least one of customer information, online account linked card information, and face-to-face authentication information in a watermarking manner, and include a predetermined document file (eg, a PDF file including the generated image content). A portable document format (EDI) 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 desirable to create a face-to-face confirmation electronic document for limit adjustment through face-to-face confirmation.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420 and the online account link card received through the information receiving unit 2415. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC or the like) including at least one predetermined document file including face-to-face request information for By generating a web document file including the MHT), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account link card.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Generating image contents including at least one of customer information, online account linked card information, and face-to-face authentication information by watermarking, and generating face-to-face request information for the generated image content and the online account linked card 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) Face-to-face verification for limit adjustment through face-to-face verification of the online account linked card) It is desirable to produce a consultation document.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a face confirmation electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the face confirmation electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated face confirmation electronic document in a predetermined electronic document storage (2675).

As shown in FIG. 24, the electronic document repository is connected to a server on the face-to-face verification system for the online account link card with a predetermined electronic document server 2450 and an electronic document D / B 2470 through predetermined communication means. When the server is provided externally, the server transmits the generated confirmation electronic document to the electronic document server 2450 through the communication means and stores the electronic document server 2450 in the electronic document D / B 2470. desirable.

Or, if the electronic document storage is provided on the DBMS provided in the face-to-face verification system for the online account link card, the server sends the generated face verification electronic document in the face-to-face verification system for the online account link card. It is possible to store in the electronic document D / B (2470) corresponding to the electronic document storage on the provided DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the face confirmation electronic document in the electronic document storage is performed by linking the generated face confirmation electronic document with predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 2470.

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

The electronic document management information may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, matching the identification card corresponding to the image content, or the customer information that created the face-to-face confirmation application, and / or the financial for transmitting the face-to-face confirmation electronic document Organization (or card issuing agency) information, and / or electronic document file format information, and / or face-to-face request information for the online account linked card, etc.).

If the face confirmation electronic document is stored in the electronic document repository (2680), the server links the online account through the online account link card information and the customer information included in the face check request information for the online account link card. Check that the card was delivered in a non-face to face manner (eg, mail delivery) (2685).

According to an embodiment of the present invention, the server uses the customer information and the online account linked card information included in the face verification request information for the online account linked card through the card issuing system shown in FIG. 19. By confirming the card ledger corresponding to the online account linked card issued to the user, and confirming the delivery method information for the online linked card stored in the card ledger, the online account linked card delivery is non-face-to-face (for example, mail delivery). It is desirable to check whether the made.

If the delivery of the online account link card is not performed in a non-face-to-face manner (eg, mail delivery) (eg, after the card applet corresponding to the face-to-face approach (eg, direct visit or face-to-face), the delivery of the online account link card is performed. 2690), the server generates (or extracts) a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment failure and transmits the result to the terminal (2699).

On the other hand, if the delivery of the online account link card is made in a non-face-to-face manner (eg, mail delivery) (2690), the server may be configured based on the face authentication information included in the face verification request information for the online account link card. The limit amount of the online account linked card is adjusted to the original limit amount (2695), and a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment success is generated (or extracted) and transmitted to the terminal ( 2699).

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the server may adjust the limit amount of the online account link card to the credit limit amount of the customer.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the server may limit the limit amount of the online account link card to the online account link card. It is preferable to adjust the balance of the online account.

27A and 27B illustrate a face-to-face verification process for an online account link card according to another embodiment of the present invention.

More specifically, FIGS. 27A and 27B show a case in which an online linked card issued through the card issuing system shown in FIG. 19 is delivered in a non-face-to-face manner (for example, mail delivery) and the limit amount is set to a small amount. When a customer of, fills out and submits an identification card and / or a face-to-face application that includes at least one of customer information, online account linked card information, and face-to-face verification information for limit adjustment through face-to-face verification of the online account linked card, The confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or the face-to-face confirmation application through a predetermined image acquisition device, and the face-to-face confirmation system for the online account linked card through the face-to-face interface. Face-to-face verification of online account link card corresponding to ID and / or face-to-face verification application Upon providing the requested information and the image contents obtained from the identification card and / or the face-to-face application, a predetermined face confirmation electronic document including the image contents is generated and stored in a predetermined electronic document storage, and the online account linked card A method of adjusting the limit amount of the online account link card to the original limit amount based on the customer information, the online account link card information, and the face-to-face authentication information included in the face-to-face request information, Acquiring predetermined image contents corresponding to the identification card and / or the face-to-face confirmation application through a predetermined image acquisition device at a confirmation terminal 2475 and confronting an online account linked card corresponding to the identification card and / or the face-to-face confirmation application Enter the card request information (or select) to confirm The implementation method of transmitting to the server 2400 is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 27a and 27b to the online account link card from the face verification terminal 2475 to the card management server 2400. Various implementation methods for registering the face-to-face confirmation request information may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 27A and 27B.

For example, in the implementation method illustrated in FIGS. 27A and 27B, the face confirmation terminal 2475 acquires predetermined image contents corresponding to the identification card and / or face confirmation application through a predetermined image acquisition device to manage the card. When provided to the server 2400, the card management server 2400 is to include a face-to-face confirmation electronic document corresponding to the image content is stored in a predetermined electronic document storage, but the image content acquisition and electronic document Storage may be omitted, and the present invention is not limited thereto.

Hereinafter, the face confirmation terminal 2475 shown in FIG. 24 in FIGs. 27A and 27B will be referred to as "terminal" for convenience, and the card management server 2400 shown in FIG. 24 will be referred to as "server" for convenience. The customer information and the online account link card information and the face authentication information transmitted from the face check terminal 2475 to the card management server 2400 are referred to as "face check request information for the online account link card" for convenience.

Referring to FIGS. 27A and 27B, an identification card and / or face-to-face verification including at least one of customer information, online account-linked card information, and face-to-face authentication information for a given customer to adjust the limit through face-to-face verification of the online account linked card After completing and submitting an application, the face-to-face confirmation terminal 2475 shown in FIG. 24 connects to the server through a predetermined financial network (or a communication network) and connects the ID and / or face-to-face with a predetermined communication channel. When requesting a user interface for limit adjustment through face-to-face verification of an online account link card corresponding to the confirmation application (2700), the server corresponding to the identification card and / or face-to-face confirmation application prepared by the customer in the terminal corresponding thereto. Input (or select) the face-to-face request information for the online account link card and through a predetermined image acquisition device Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the identification card and / or the face-to-face application to the server (2705), and generating (or extracting) through the financial network (or communication network). The extracted user interface is transmitted to the terminal and output (2710).

Thereafter, the terminal inputs (or selects) face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face authentication information through the user interface (2715).

If face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information is input (or selected) through the user interface (2720), the terminal receives the An image content corresponding to the identification card and / or the face-to-face application is obtained through a predetermined image acquisition device based on a user interface (2725).

If image contents corresponding to the identification card and / or the face-to-face confirmation application are obtained through the image acquisition device (2730), the terminal receives the face-to-face request information for the online account link card through the financial network (or communication network). And image content to the server (2735).

Thereafter, the server receives and reads the face-to-face request information for the online account link card including at least one of the customer information, the online account link card information, and the face-to-face authentication information through the financial network (or communication network). The validity of the face verification request information on the account link card is verified (2740).

According to an embodiment of the present invention, the validity verification of the face verification request information for the online account link card is performed by the online account link card to the ledger D / B on the financial system linked to the face check system for the online account link card. Preferably, at least one ledger information matching with the face-to-face request information is included.

For example, the validity of the face verification request information on the online account link card may include the information stored in the face check request information on the online account link card, wherein the customer information is stored in the ledger D / B on the financial system. It is desirable to include checking the match with the ledger.

In addition, the validity of the face verification request information for the online account linked card is the information contained in the face verification request information for the online account linked card, the online account linked card information is the ledger D / B on the financial system It is preferably made to include matching with the card ledger associated with the customer ledger stored in.

If the validity of the face verification request information for the online account link card is not authenticated (2745), the server generates predetermined face check error information and transmits the predetermined face check error information to the terminal (2750). The information registration procedure corresponding to the face-to-face confirmation request information is not performed.

On the other hand, if the validity of the face verification request information for the online account link card is authenticated (2745), the server generates a predetermined face verification electronic document including the image content (2755).

According to an exemplary embodiment of the present invention, the server receives an image file including the image contents received from the face confirmation terminal 2475 through the image receiver 2420 through face-to-face verification of the online account link card as it is. It is desirable to treat it as a face-to-face electronic document for limit adjustment.

Alternatively, the server may be included in the face confirmation request information for the online account linked card received through the information receiver 2415 in the image content received from the face confirmation terminal 2475 through the image receiver 2420. Face-to-face image file corresponding to image contents including at least one of customer information, online account linked card information, and face-to-face authentication information for watermarking through face-to-face verification of the online account linked card It is desirable to create a confirmation electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create a face-to-face electronic document for limit adjustment.

Alternatively, the server may display the image content received from the face confirmation terminal 2475 through the image receiver 2420 to face-to-face request information for the online account link card received through the information receiver 2415. Generate image content including at least one or more of the included customer information, online account linked card information, and face-to-face authentication information in a watermarking manner, and a predetermined document file including the generated image content (eg, Linking the online account by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create a face-to-face electronic document for limit adjustment through face-to-face verification of the card.

According to another exemplary embodiment of the present invention, the server may receive the image content received from the face-to-face confirmation terminal 2475 through the image receiving unit 2420 and the online account link card received through the information receiving unit 2415. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including face-to-face request information for By generating a web document file, etc.), it is preferable to generate a face-to-face confirmation electronic document for limit adjustment through face-to-face verification of the online account linked card.

Alternatively, the server may include the image content received from the face verification terminal 2475 through the image receiver 2420 in the face verification request information for the online account link card received through the information receiver 2415. Generate an image content including at least one of customer information, online account link card information, and face-to-face authentication information by a watermarking method, and request a face-to-face verification of the generated image content and the online account link card A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. Face-to-face verification for limit adjustment through face-to-face verification of the online account linked card) It is desirable to produce a consultation document.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a face confirmation electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the face confirmation electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated face confirmation electronic document in a predetermined electronic document storage (2760).

As shown in FIG. 24, the electronic document repository is connected to a server on the face-to-face verification system for the online account link card with a predetermined electronic document server 2450 and an electronic document D / B 2470 through predetermined communication means. When the server is provided externally, the server transmits the generated confirmation electronic document to the electronic document server 2450 through the communication means and stores the electronic document server 2450 in the electronic document D / B 2470. desirable.

Or, if the electronic document storage is provided on the DBMS provided in the face-to-face verification system for the online account link card, the server sends the generated face verification electronic document in the face-to-face verification system for the online account link card. It is possible to store in the electronic document D / B (2470) corresponding to the electronic document storage on the provided DBMS, whereby the present invention is not limited.

According to the method of the present invention, the storing of the face confirmation electronic document in the electronic document storage is performed by linking the generated face confirmation electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 2470.

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

The electronic document management information may further include information on a financial institution (or a card issuing institution) that has transmitted the face-to-face confirmation electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, matching the identification card corresponding to the image content, or the customer information that created the face-to-face confirmation application, and / or the financial for transmitting the face-to-face confirmation electronic document Organization (or card issuing agency) information, and / or electronic document file format information, and / or face-to-face request information for the online account linked card, etc.).

If the face confirmation electronic document is stored in the electronic document repository (2765), the server links the online account through the online account link card information and the customer information included in the face check request information for the online account link card. It is checked whether the card is delivered in a non-face to face manner (eg, mail delivery) (2770).

According to an embodiment of the present invention, the server uses the customer information and the online account linked card information included in the face verification request information for the online account linked card through the card issuing system shown in FIG. 19. By confirming the card ledger corresponding to the online account linked card issued to the user, and confirming the delivery method information for the online linked card stored in the card ledger, the online account linked card delivery is performed in a non-face-to-face manner (eg, postal delivery). It is desirable to check whether

If the delivery of the online account link card is not performed in a non-face-to-face manner (eg, mail delivery) (eg, after the card applet corresponding to the face-to-face approach (eg, direct visit or face-to-face), the delivery of the online account link card is performed. Issuance) (2785), the server generates (or extracts) a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment failure and transmits the result to the terminal (2785).

On the other hand, if the delivery of the online account link card is made in a non-face-to-face manner (eg, mail delivery) (2775), the server may be configured based on the face authentication information included in the face verification request information for the online account link card. The limit amount of the online account linked card is adjusted to the original limit amount (2780), and a limit amount adjustment result including the face confirmation approval information and the limit amount adjustment success is generated (or extracted) and transmitted to the terminal (2785). ).

According to an embodiment of the present invention, if the online account link card is a credit card linked to the online account, the server may adjust the limit amount of the online account link card to the credit limit amount of the customer.

According to another embodiment of the present invention, if the online account link card is a check card (or debit card) associated with the online account, the server may limit the limit amount of the online account link card to the online account link card. It is preferable to adjust the balance of the online account.

According to the present invention, when a predetermined online account linked card is issued in a non-face-to-face manner and delivered in a non-face-to-face fashion, the limit amount of the online account linked card is set to a smaller value than the original limit amount, and the In the face-to-face confirmation, by adjusting the limit amount of the online account link card to the original limit amount, there is an advantage to provide a variety of card services conveniently and simply by issuing and shipping the online account link card in a non-face-to-face manner.

Claims (1)

Storing in a storage medium a card information including a rechargeable prepaid card (or virtual account) attribute for providing a non-face-to-face financial transaction in an unidentified state at a server and online account information opened online; After confirming the real name verification status of the online account information associated with the card information in the server, if the real name of the online account is unidentified state, limit the utilization of the card to less than a certain amount, and set the If the real name is confirmed, setting the utilization of the card to the amount deposited in the online account; And And storing the set utilization information in a server in association with the card information in a storage medium.

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