KR20090081763A - System and Method for Managing Minus Loan Account and Program Recording Medium - Google Patents

Abstract

A minus loan account operating method and system, and a program recording medium therefor are provided to previously block undesired transactions if the balance of an account is minus, thereby minimizing loan interest. Account opening servers(100,105) open predetermined minus loan accounts, and store minus loan account information for managing the minus loan accounts in a predetermined storage medium. An account operating server(110) accomplishes minus loan account operation according to particular transactions by operating based on the minus loan account information. A financial system stores and operates ledger information corresponding to the minus loan accounts. An interface module of the financial system provides interfacing among components of the financial system.

Description

System and Method for Managing Minus Loan Account and Program Recording Medium}

Figure 1 illustrates the configuration of the account opening and operation system for the operation of the negative loan account for each specific transaction in accordance with the implementation method of the present invention.

2 is a diagram illustrating a face-to-face account opening system for operating a negative loan account for a specific transaction according to an exemplary embodiment of the present invention.

3 is a diagram illustrating an implementation method in which a storage medium storing negative loan account information corresponding to a negative loan account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

4 is a storage medium for storing negative loan account information corresponding to a negative loan account opened in a face-to-face manner according to another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system It is a figure which shows the implementation method.

FIG. 5 is a diagram illustrating an implementation method including a DBMS provided in a banking server, a storage medium storing negative loan account information corresponding to a negative loan account opened in a face-to-face manner according to another exemplary embodiment of the present invention. .

6A and 6B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a face-to-face manner according to one embodiment of the present invention.

7A and 7B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

8A and 8B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

9 is a diagram illustrating an account opening system for operating a negative loan account for a specific transaction according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium storing negative loan account information corresponding to a negative loan account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

11 is a database in which a storage medium storing negative loan account information corresponding to a negative loan account opened in a non-face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

12 is a view showing an implementation method including a DBMS provided in a banking server a storage medium storing negative loan account information corresponding to a negative loan account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. to be.

13A and 13B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a non-face to face manner according to an exemplary embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating a process of opening a negative loan account for operating a negative loan account for a specific transaction according to one embodiment of the present invention.

15 is a diagram illustrating an account management system for operating a negative loan account for a specific transaction according to an embodiment of the present invention.

16 is a view illustrating a process of operating a negative loan account for a specific transaction according to an embodiment of the present invention.

<Description of main parts of drawing>

100, 105: account opening server 110: account Yunyong server

The present invention, if the balance of the account is negative from the customer terminal applying for a negative loan account, receiving the negative transaction setting information for setting the non-tradeable item or the transactionable item, and if the negative loan account is opened, Linking the opened negative loan account information and the negative transaction setting information and storing the negative loan account information in a storage medium; and checking whether the balance of the negative loan account is negative when a withdrawal (or transfer) transaction of the negative loan account is performed; If the balance of the negative loan account is negative, comparing the withdrawal (or transfer) transaction item and the non-tradable item or tradeable item included in the negative transaction setting information stored in the storage medium; Transfer) If the transaction item matches a non-tradable item, the withdrawal (or transfer) C) stopping a transaction, or performing a withdrawal (or transfer) transaction if the withdrawal (or transfer) transaction item matches a transactionable item.

As a financial instrument, a negative account that can withdraw money even if there is no balance within a certain limit may be greatly changed depending on the purpose of use. For example, it is called “money-making loan” because it is much less expensive than credit card cash fees, but it is also considered “debt with a deposit” because it can remain in debt if you do not control your consumption.

At this point, we need a way to use these negative accounts more effectively.

An object of the present invention for solving the above problems, the negative loan account information opened to the customer and if the account balance is negative stored in the storage medium by processing the negative transaction setting information that set the non-tradeable items or transactionable items If the balance of the negative loan account is negative when the withdrawal (or transfer) transaction of the negative loan account is negative, the transaction cannot be included in the withdrawal (or transfer) transaction item and the negative transaction setting information stored in the storage medium. And a means for comparing items or tradeable items, and means for stopping or performing a withdrawal (or transfer) transaction of a negative loan account under a negative balance according to the comparison result.

The method of operating a negative loan account according to the present invention includes: receiving negative transaction setting information for setting a non-tradeable item or a transactionable item when a balance of the account is negative from a customer terminal applying for a negative loan account; When a negative loan account is opened, the linked negative loan account information and the minus transaction setting information are linked to each other and stored in a storage medium, and when a withdrawal (or transfer) transaction of the negative loan account is performed, Checking whether the balance is negative, and if the balance of the negative loan account is negative, comparing the withdrawal (or transfer) transaction item and the non-tradable item or tradeable item included in the negative transaction setting information stored in the storage medium; And the withdrawal (or transfer) transaction item is non-tradeable. Stops the withdrawal (or transfer) transaction if the item matches, or performs the withdrawal (or transfer) transaction if the withdrawal (or transfer) transaction item matches the transactionable item. It is done.

According to the present invention, the negative transaction setting information is set at the time of opening the negative loan account at the customer who opened the negative loan account or the financial institution operating the negative loan account, or periodically after opening the negative loan account. It is characterized by setting.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that the program for executing the above-described negative loan account operating method recorded.

On the other hand, the negative loan account management system according to the present invention, if the negative loan account information opened to the customer and the account balance is negative, the negative transaction setting information that set the non-tradeable items or transactionable items to the storage medium Means for storing and the transaction included in the withdrawal (or transfer) transaction item and the negative transaction setting information stored in the storage medium when the balance of the negative loan account is negative in the withdrawal (or transfer) transaction of the negative loan account. Means for comparing non-item or tradeable items, and means for stopping or performing a withdrawal (or transfer) transaction of a negative loan account under a negative balance according to the comparison result.

According to the present invention, the negative loan account management system is characterized in that it further comprises an account opening means for opening a negative loan account, the non-tradeable item or the transactionable item is set, when the balance of the account is negative.

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

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

Figure 1 shows the configuration of the account opening and operation system for the operation of the negative loan account for each specific transaction according to the embodiment of the present invention.

In more detail, Figure 1 relates to an account opening and operation system configuration for processing (operating) a negative loan account for each specific transaction using predetermined negative loan account information, and having a general knowledge in the technical field to which the present invention pertains. Growing, various implementation methods for the account opening and operation system configuration for making a negative loan account for each specific transaction for the operation of the negative loan account for each specific transaction by referring to or modifying the account opening and operation system configuration shown in FIG. It can be inferred, but the present invention is characterized by including all the implementation method inferred above, and is not limited to the account opening and operation system configuration shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the account opening and operation system opens a predetermined negative loan account and stores negative loan account information for managing the negative loan account in a predetermined storage medium. Account opening server (100, 105) to operate, the account management server 110 to achieve the operation of the negative loan account for each specific transaction by operating based on the negative loan account information, and the negative loan for operating a negative loan account for each specific transaction It characterized in that it comprises at least one or more financial systems opened accounts.

The account opening server (100, 105), the predetermined customer through the predetermined financial account opening interface to the negative loan account application information including at least one of the predetermined customer information, loan account attribute information and transaction setting information When provided to an institution, the financial institution opens a negative loan account for operating a negative loan account for each specific transaction based on the negative loan account application information, and provides negative loan account information for managing the negative loan account. It is characterized in that the storage medium, the preferred method for the account opening system including the account opening server (100, 105) will be described in detail with reference to FIG.

The account management server 110, through the account opening system based on the negative loan account information stored in the negative loan account information stored in the storage medium through the predetermined transaction setting information contained in the negative loan account information A financial transaction is operated for a transaction, and a financial transaction is not operated for anything other than the specific transaction. The preferred method of FIG. 15 including the account management server 110 is described in FIGS. 2 and 9. It demonstrates in detail.

The financial system is characterized by storing and operating the ledger information corresponding to the negative loan account, and the account system for processing the window services such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller) and At least one provided in an information system that processes the headquarters business, supports branch information, and manages customer information, and interconnects the financial system with at least one other financial system (or payment system); Access to the financial system from any of the above non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.), or at least one common network (e.g., CD network, financial joint) Network), which is equipped with an external system that provides various financial transaction interfaces In addition, the financial system is characterized in that the interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and the predetermined required to perform each function in the components in the financial system And a DBMS (DataBase Management System) including at least one database for storing and managing information (eg, ledger information, customer information, or management information).

In FIG. 1, the account opening and operation system is described with reference to the account opening server (100, 105) and the account management server 110, but the present invention is not limited thereto, and the account opening and operation system in the present invention is It may be composed of one server (or device) or at least two or more servers (or devices), and implemented in a separate server form for each component constituting each of the servers shown above according to the intention of a person skilled in the art. It is clear that it can be done.

2 is a diagram illustrating a face-to-face account opening system for operating a negative loan account for a specific transaction according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that when a predetermined customer prepares a negative loan account application including at least one of predetermined customer information, loan account attribute information, and transaction setting information, and submits it to a window provided at a predetermined financial institution, The financial institution opens a negative loan account for operating a negative loan account for each specific transaction based on the negative loan account application information corresponding to the negative loan account application, and minus loan account information for managing the negative loan account As a system configuration for storing in a predetermined storage medium 200, those skilled in the art to which the present invention pertains, by referring to or modifying the Figure 2 for the operation of a negative loan account for each specific transaction Be able to infer various implementation methods for the account opening system I, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 2.

For example, those skilled in the art to which the present invention belongs, inferring the account opening system configuration by omitting or implementing the method of storing the negative loan account electronic document in the electronic document repository by referring to or modifying the drawing 2. In addition, in the case where the negative loan account electronic document is stored in the electronic document repository, an implementation method provided in the DBMS in which the electronic document repository is located in the account opening system, in addition to the implementation method shown in FIG. 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.

In addition, as shown in FIG. 2, in the method of generating the negative loan account electronic document, a negative loan account electronic document corresponding to the negative loan account application is generated on the server side on the account opening system. Although the present invention is not limited thereto, the negative loan account electronic document may be generated at a terminal that acquires image content corresponding to the negative loan account application through a predetermined image obtaining apparatus (eg, And the electronic document generation function provided at the server side is provided at the terminal side to generate the negative loan account electronic document), whereby the present invention is not limited thereto.

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

Referring to FIG. 2 according to an embodiment of the present invention, an account opening system for operating a negative loan account for each specific transaction includes a terminal device including a counter terminal provided in at least one branch (or branch) of a financial institution. The terminal device is connected to the account opening server 100 provided on the account opening system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to operate a negative loan account for each specific transaction, and through a window (or counter employee) provided at the financial institution branch branch (branch branch). Through the application of a certain negative loan account (eg, a document having a form for filling in at least one or more information items for the operation of the negative loan account for each specific transaction) In this case, the customer is to seal the seal of the customer for the legal basis for the negative loan account application.

Subsequently, when the customer submits the completed negative loan account application to the teller, the teller scans the negative loan account application through a predetermined image acquisition device to obtain predetermined image content, and the predetermined teller terminal Input (or select) negative loan account application information including at least one of image content acquired in response to the negative loan account application, customer information, loan account attribute information, and transaction-specific setting information written in the negative loan account application; Correspondingly, the counter terminal transmits the image content and the negative loan account application information to the account opening server 100 provided on the account opening system through the financial network.

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

In the account opening system as described above, the image acquisition device for acquiring the image content corresponding to the negative loan account application prepared by the customer, the teller terminal and the teller terminal and the account opening server 100 used by the employee The connecting financial network performs a function of a financial account opening interface for the customer to register the negative loan account application information for the operation of the negative loan account for each specific transaction.

The storage medium 200 provided on the account opening system according to the present invention includes customer information, account information, and account attribute information corresponding to the negative loan account opened through the negative loan account application information provided from the terminal device. And store the negative loan account information including at least one transaction setting information.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account attribute information, and the minus It is preferable to include at least one or more loan limit information for the loan account, interest rate (or interest rate) information applied to the negative loan, loan amount information for the negative loan account.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer's personal information. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The account information is account information corresponding to the negative loan account opened through the negative loan account application information, wherein the account information comprises at least one or more account number corresponding to the negative loan account, the name of the borrower, etc. desirable.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

According to one embodiment of the invention, the storage medium 200 is preferably provided in the DBMS on the financial system provided on the account opening system (or associated with the account opening system), wherein the storage medium 200 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 200 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

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

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the account opening server 100 is a ledger provided on a financial system connected to the window terminal through a predetermined financial network. It may be a server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the account opening server 100 is characterized in that it comprises an interface unit 215 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 215 may establish a communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, when a predetermined terminal device connects a predetermined communication channel with the account opening server 100 through the interface unit 215, the account opening server 100 may have a negative loan for each specific transaction. Acquire image contents corresponding to the negative loan account application prepared by the customer through a predetermined image acquisition device provided in the terminal device for account operation, and input negative loan account application information corresponding to the negative loan account application ( Or) select (or extract) at least one user interface for transmitting to the account opening server 100 and transmitting the generated (or extracted) user interface in association with the interface unit 215. The interface providing unit 220 to provide a, and the terminal through the user interface in the terminal device Information receiving unit 225 for receiving the negative loan account application information transmitted from the terminal device in connection with the interface unit 215 when inputting (or selecting) the negative loan account application information corresponding to the negative loan account application. ), And when the terminal device acquires and transmits image content corresponding to the negative loan account application written by the customer through a predetermined image acquisition device based on the user interface, the terminal unit 215 connects to the interface unit 215. Characterized in that the image receiving unit 230 for receiving the image content corresponding to the loan account application.

The interface provider 220 connects a predetermined communication channel with the account opening server 100 through the interface unit 215, and then minus the specific transaction to the account opening server 100. When requesting a user interface for operating a loan account, the terminal acquires image contents corresponding to a negative loan account application prepared by the customer through a predetermined image acquisition device provided in the terminal device, and minus corresponding to the negative loan account application. Input (or select) the loan account application information to generate at least one user interface for transmitting to the account opening server 100 through the financial network, or extract from a predetermined database (not shown), the interface unit The financial network is generated by the generated (or extracted) user interface in conjunction with 215. Through it characterized in that provided in the terminal device.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the negative loan account application prepared by the customer through a predetermined image acquisition device, and provides negative loan account application information corresponding to the negative loan account application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the account opening server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above is provided. A user interface for acquiring image contents corresponding to a negative loan account application prepared by the customer, inputting (or selecting) negative loan account application information corresponding to the negative loan account application, and transmitting the same to the account opening server 100. Generating (or extracting) Mubang be omitted, the interface providing unit 220 to provide to the apparatus, to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) negative loan account application information including at least one of the customer information, loan account attribute information, and transaction-specific setting information through the user interface. The negative loan account application information is transmitted to the account opening server 100 through the financial network. In response thereto, the information receiving unit 225 is connected to the interface unit 215 and the negative loan transmitted from the terminal device. It is characterized by receiving the account application information.

According to the embodiment of the present invention, it is preferable that the negative loan account application information includes customer information, loan account attribute information, transaction setting information, and the like.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer. Member information (e.g., member ID information, or CIF, provided in a customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). (Customer Information File) number and the like).

The loan account attribute information may include at least one or more loan limit information, interest rate (or interest rate) information, and loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the loan account attribute information may include at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the loan account attribute information according to the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the loan (or delinquency) period It is preferable to include at least one of interest rate (or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount).

The loan amount information included in the loan account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

In addition, the terminal device obtains the image content corresponding to the negative loan account application written by the customer through a predetermined image acquisition device based on the user interface, and open the account through the financial network the acquired image content The image receiver 230 receives the image content corresponding to the negative loan account application in association with the interface unit 215.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the negative loan account application prepared by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the negative loan account application created by the customer from the at least one or more image contents stored in the storage device through the user interface and then through the financial network. It is transmitted to the account opening server 100, in response to the image receiving unit 230 is preferably connected to the interface unit 215 to receive the image content corresponding to the negative loan account application.

According to another exemplary embodiment of the present invention, the terminal device transmits the image contents corresponding to the negative loan account application prepared by the customer and the negative loan account application information corresponding to the negative loan account application through the user interface. In this case, the information receiving unit 225 may receive the image content corresponding to the negative loan account application and the negative loan account application information together with the interface unit 215 (eg, the image receiving unit 230). Integrated into the information receiving unit 225), whereby the present invention is not limited.

Referring to FIG. 2, when the account opening server 100 receives the negative loan account application information transmitted from the terminal device through the information receiving unit 225, the received negative loan account application information is the specific transaction. Characterized in that it comprises a validity check unit 235 to determine whether the validity for each minus loan account operation.

According to the implementation method of the present invention, the validity of the negative loan account application information is registered at least one or more ledger information matching the negative loan account application information in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking whether it is done.

For example, the validity of the negative loan account application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the negative loan account application information. It is preferable to include a check that matches the customer ledger stored in the D / B.

The verification of the validity of the negative loan account application information may include at least one or more items such as whether the customer is eligible to apply for the negative loan account by checking the creditworthiness of the customer applying for the negative loan account through the customer information. It is preferable to make it.

Referring to FIG. 2, the account opening server 100 receives the image content transmitted from the terminal device through the image receiving unit 230, and the negative loan account request information through the validity checking unit 235. When the validity is verified, the electronic document generation unit 240 for generating a predetermined negative loan account electronic document including the received image content and the generated negative loan account electronic document associated with the account opening system. It is characterized by comprising an electronic document transmission unit 245 for transmitting to the electronic document storage.

The electronic document generator 240 generates a negative loan account electronic document including the image content received from the terminal device through the image receiver 230.

According to an exemplary embodiment of the present invention, the electronic document generating unit 240 operates a negative loan account for each specific transaction as it is by using an image file including the image contents received from the terminal device through the image receiving unit 230. It is desirable to process negative loan accounts electronic documents for the purposes of this document.

Alternatively, the electronic document generator 240 may include the customer information included in the negative loan account request information received through the information receiver 225 on the image content received from the terminal device through the image receiver 230. Generating a negative loan account electronic document for operating the negative loan account for each specific transaction by using an image file corresponding to the image content including at least one or more information among the loan account property information and the transaction setting information by a watermarking method It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 240 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 230. Operating a negative loan account for each specific transaction by generating a format 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 negative loan account electronic document.

Alternatively, the electronic document generator 240 may include the customer information included in the negative loan account request information received through the information receiver 225 on the image content received from the terminal device through the image receiver 230. Generate image content including at least one or more information of the loan account attribute information and transaction setting information by a watermarking method, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. ), A word processing file including at least one of an EDI (Electronic Data Interchange) file, a HWP / DOC, or a web document file including an MHT). It is desirable to create a negative loan account electronic document.

According to another exemplary embodiment of the present invention, the electronic document generator 240 receives the image content received from the terminal device through the image receiver 230 and the negative loan received through the information receiver 225. A predetermined document file including account application 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 an MHT. By generating a web document file, etc.), it is preferable to generate a negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Alternatively, the electronic document generator 240 may include the customer information included in the negative loan account request information received through the information receiver 225 on the image content received from the terminal device through the image receiver 230. A predetermined document file including image content including at least one or more information of loan account attribute information and transaction-specific setting information by a watermarking method, and including the generated image content and the negative loan account application information ( For example, 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 MHT), It is preferable to generate a negative loan account electronic document for operating a negative loan account for each transaction.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generating unit 240 generates a negative loan account electronic document of the image file format or a predetermined document file format, and the negative loan account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitter 245 transmits and stores the negative loan account electronic document generated by the electronic document generator 240 to a predetermined electronic document repository associated with the account opening system. .

As shown in FIG. 2, the electronic document repository is connected to an account opening server 100 on the account opening system with a predetermined electronic document server 205 and an electronic document D / B 210 connected through predetermined communication means. When provided externally, the electronic document transmission unit 245 to the electronic document server 205 through the communication means for the negative loan account electronic document generated by the electronic document generation unit 240 Characterized in that the transmission.

Herein, when the electronic document server 205 and the electronic document D / B 210 are provided outside the account opening system, the electronic document server 205 and the electronic document D / B 210 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the account opening system, the electronic document transmitting unit 245 is the negative generated by the electronic document generating unit 240. It is possible to store the loan account electronic document in the electronic document D / B 210 corresponding to the electronic document storage on the DBMS provided in the account opening system, by which the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 245 is electronic document related information (eg, negative loan corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 205. It is possible to transmit to the electronic document repository further comprising the customer information, the financial institution information for transmitting the negative loan account electronic document, or the electronic document file format information, or the negative loan account application information, etc.). The present invention is not limited thereto.

Referring to FIG. 2, the account opening server 100 validates that the negative loan account application information received through the information receiving unit 225 is valid for the operation of the negative loan account for each specific transaction through the validity checking unit 235. If the authentication is successful, the information generation unit 250 for generating the financial account information based on the customer information, loan account attribute information and transaction-specific setting information included in the validity of the negative loan account application information, and the financial It is characterized in that it comprises an account opening section 255 for opening and processing a financial account in the name of the customer including account information.

When the validity confirmation unit 235 confirms the validity of the negative loan account application information, the information generator 250 sets the customer information, the loan account attribute information, and the transaction-specific information included in the negative loan account application information. The financial account information is generated based on the information.

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

The account opening unit 255 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and is provided). After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, minus for each specific transaction in response to the negative loan account application information It is characterized by opening a predetermined financial account for the operation of the loan account.

According to an embodiment of the present invention, when the account opening server 100 and the financial system exist in the same system, the account opening unit 255 may provide financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the account opening server 100 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 255 may use a predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 2, the account opening server 100 validates that the negative loan account application information received through the information receiving unit 225 is valid for the operation of the negative loan account for each specific transaction through the validity checking unit 235. When the authentication is successful, the storage medium 200 stores negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the validity of the negative loan account application information. An information storage unit 260 is provided.

When the validity check unit 235 confirms the validity of the negative loan account application information, the information storage unit 260 sets the customer information and the loan account attribute information and the transaction included in the negative loan account application information. The negative loan account information including at least one information may be stored in the storage medium 200.

According to an embodiment of the present invention, when the storage medium 200 is provided in the account opening server 100 or on the network associated with the account opening server 100, the information storage unit 260 Preferably, the storage medium 200 stores negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information.

According to another exemplary embodiment of the present invention, when the storage medium 200 is provided in a DBMS provided on a financial system, the information storage unit 260 may include the customer information included in the received negative loan account application information. And it is preferable to provide the information of the negative loan account including at least one loan account attribute information and transaction setting information to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Referring to FIG. 2, an electronic document server which receives a predetermined negative loan account electronic document from the account opening server 100 provided on the account opening system and stores and manages the electronic document D / B 210 in a predetermined electronic document D / B 210. An electronic document receiving unit 265 for receiving a predetermined negative loan account electronic document from the account opening server 100 through a predetermined communication means, and the received negative loan account electronic document for the electronic document D. The information generating unit 270 for generating predetermined electronic document management information for storage and management in the B210, and the electronic document management information and the negative loan account electronic document in a cooperative process. It is characterized in that it comprises an electronic document storage unit 275 to be stored in B (210).

The electronic document receiving unit 265 may receive a negative loan account electronic document in the form of an image file or a document file from the account opening server 100 through the communication means.

According to the exemplary embodiment of the present invention, the negative loan account electronic document received by the electronic document receiving unit 265 through the communication means includes an image including image content received by the account opening server 100 from the terminal device. It is preferable to include the file as it is.

Alternatively, the negative loan account electronic document received by the electronic document receiving unit 265 through the communication means may be included in the negative loan account application information in the image content received by the account opening server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, loan account attribute information and transaction-specific setting information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the negative loan account electronic document received by the electronic document receiving unit 265 through the communication means includes the image content received by the account opening server 100 from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the negative loan account electronic document received by the electronic document receiving unit 265 through the communication means may be included in the negative loan account application information in the image content received by the account opening server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including image content including at least one of information, loan account attribute information, and transaction-specific setting information in a watermarking manner). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a negative loan account electronic document received by the electronic document receiving unit 265 through the communication means may correspond to an image content received by the account opening server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the negative loan account application information, or an MHT. It is preferable that the web document file including a).

Alternatively, the negative loan account electronic document received by the electronic document receiving unit 265 through the communication means may be included in the negative loan account application information in the image content received by the account opening server 100 from the terminal device. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more of information, loan account attribute information, and transaction-specific setting information in a watermarking manner, and the negative loan account application information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 270 is a predetermined electronic document unique number (or unique information) to be assigned to the negative loan account electronic document received through the electronic document receiving unit 265, and through the electronic document receiving unit 265 And generating electronic document management information including the pre-document retention date and time information including a date and time at which the negative loan account electronic document was received (or a date and time at which the negative loan account electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 270 refers to the account opening server 100 that transmitted the negative loan account electronic document received through the electronic document receiving unit 265, and the negative loan account. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the account opening server 100 through the electronic document receiving unit 265, the information generating unit 270 receives the received information. Electronic document-related information (for example, customer information for creating a negative loan account application corresponding to the image content, financial institution information for transmitting the negative loan account electronic document, electronic document file format information, or the negative loan account application information It is preferable to generate the electronic document management information further including).

The electronic document storage unit 275 associates a negative loan account electronic document received through the electronic document receiving unit 265 with electronic document management information generated through the information generating unit 270 to process a predetermined electronic document D. / B 210, characterized in that the storage.

According to an exemplary embodiment of the present invention, a negative loan account electronic document stored in the electronic document D / B 210 by the electronic document storage unit 275 is received by the account opening server 100 from the terminal device. It is preferable that the image file including the image content is included as it is.

Alternatively, the negative loan account electronic document stored in the electronic document D / B 210 by the electronic document storage unit 275 may be used for the negative loan to the image content received by the account opening server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information, loan account attribute information and transaction-specific setting information included in the account application information in a watermarking method.

According to another exemplary embodiment of the present invention, a negative loan account electronic document stored in the electronic document D / B 210 by the electronic document storage unit 275 is received by the account opening server 100 from the terminal device. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the negative loan account electronic document stored in the electronic document D / B 210 by the electronic document storage unit 275 may include the negative loan account in the image content received by the account opening server 100 from the terminal device. A predetermined document file (eg, Portable Document Format (PDF)) containing image contents including at least one of customer information, loan account attribute information, and transaction-specific setting information included in the application information by watermarking. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, a negative loan account electronic document stored in the electronic document D / B 210 by the electronic document storage unit 275 may be set by the account opening server 100 from the terminal device. A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the received image content and the negative loan account application information. Processor file, or a web document file including MHT).

Alternatively, the negative loan account electronic document stored in the electronic document D / B 210 by the electronic document storage unit 275 may have the negative loan on the image content received by the account opening server 100 from the terminal device. A predetermined document file including image content including the customer information included in the account application information, at least one or more information of the loan account attribute information and transaction setting information, by the watermarking method, and the negative loan account application 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 the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 210 by the electronic document storage unit 275 in association with the negative loan account electronic document is stored in the negative loan account electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 210 by the electronic document storage unit 275 in association with the negative loan account electronic document is stored in the negative loan account. Preferably, the financial institution further includes information on the financial institution that transmitted the negative loan account electronic document, which is confirmed by referring to the account opening server 100 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the account opening server 100, the electronic document storage unit 275 processes the link with the negative loan electronic document to perform the processing. The electronic document management information stored in the electronic document D / B 210 may include the received electronic document related information (for example, customer information in which a negative loan account application corresponding to the image content is prepared, or the negative loan account electronic document). Financial institution information to be transmitted, electronic document file format information, or the negative loan account application information).

3 is a diagram illustrating an implementation method in which a storage medium 200 for storing negative loan account information corresponding to a negative loan account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

In more detail, FIG. 3 shows the storage medium 200 shown in FIG. 2 when the storage medium 200 shown in FIG. 2 is the ledger D / B provided in the DBMS on the financial system, or the ledger D / B. The information structure for one embodiment of the method in which the negative loan account information is stored in the ledger information, and a person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify the drawing 3 to the ledger D. Various information construction methods for storing the negative loan account information in / B 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 Figure 3 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 linked to a predetermined customer ledger, the customer ledger and the account shown in Figure 2 The account ledger corresponding to the financial account opened through the establishment system and at least one information associated with the account ledger are shown to be included. If a person having ordinary knowledge in the technical field to which the present invention belongs, the financial system The ledger D / B provided in the DBMS on the web maintains and manages at least one ledger (for example, a ledger, a loan ledger, a secured ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be apparent that at least one additional information is included for the purpose of understanding and the specific technical matters for this will be understood. So, a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, store number, commodity type, transaction type, cash amount, other tickets, batch number, batch transaction, date of purchase, bank account Transaction history information including at least one of a line, a summary, a 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.

Referring to FIG. 3, wherein the storage medium 200 is the ledger D / B, or includes an implementation method provided in the ledger D / B according to an embodiment of the present invention, the negative shown in FIG. The negative loan account information including at least one of customer information, account information, account attribute information and transaction setting information corresponding to the negative loan account opened through the loan account application information is stored in the form of additional information added to the account ledger. It is characterized by.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account attribute information, and the minus It is preferable to include at least one loan limit information for the loan account, interest rate (or interest rate) information applied when the negative loan, the loan amount information for the negative loan account, the customer information in FIG. It is included in the customer ledger, and the account information will be omitted for convenience because it will be included in the account ledger.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the negative loan account application information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, a customer ledger). It can be stored in the form of additional information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

4 is a storage medium 200 for storing negative loan account information corresponding to a negative loan account opened in a face-to-face manner according to another embodiment of the present invention associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

In more detail, FIG. 4 illustrates an information structure of an exemplary method in which the storage medium 200 illustrated in FIG. 2 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for storing the negative loan account information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 4 Although it can be inferred, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 4, when it is not easy to store the negative loan account information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the nature of the financial system), the negative loan account information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 4 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 4, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 200 includes a database associated with the ledger D / B provided in the DBMS on the financial system, referring to Figure 4, the database is the negative loan account application information And store the negative loan account information including at least one of customer information, account information, account attribute information, and transaction setting information corresponding to the negative loan account opened through the negative loan account information. Preferably, the negative loan account information further includes a CIF number corresponding to the ledger information to be linked to / B.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account attribute information, and the minus It is preferable to include at least one or more loan limit information for the loan account, interest rate (or interest rate) information applied to the negative loan, loan amount information for the negative loan account.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer's personal information. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The account information is account information corresponding to the negative loan account opened through the negative loan account application information, wherein the account information comprises at least one or more account number corresponding to the negative loan account, the name of the borrower, etc. desirable.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when a customer who opens the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

FIG. 5 illustrates an implementation method including a DBMS provided in a banking server in a storage medium 200 for storing negative loan account information corresponding to a negative loan account opened in a face-to-face manner according to another exemplary embodiment of the present invention. One drawing.

In more detail, FIG. 5 shows a DBMS in which the storage medium 200 shown in FIG. 2 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention belongs, minus loans stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 5 It is possible to infer a method of constructing information on account information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 5 in which the storage medium 200 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server includes the negative loan account application information. And store the negative loan account information including at least one of customer information, account information, account attribute information, and transaction setting information corresponding to the negative loan account opened through.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account attribute information, and the minus It is preferable to include at least one or more loan limit information for the loan account, interest rate (or interest rate) information applied to the negative loan, loan amount information for the negative loan account.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer's personal information. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The account information is account information corresponding to the negative loan account opened through the negative loan account application information, wherein the account information comprises at least one or more account number corresponding to the negative loan account, the name of the borrower, etc. desirable.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

6A and 6B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a face-to-face manner according to one embodiment of the present invention.

6a and 6b show a terminal terminal in which a terminal device on the account opening system shown in FIG. 2 is provided at a branch of a financial institution (or a branch), and the account opening server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal through the customer information and loan account attributes for a given customer to open a negative loan account for operating a negative loan account for a specific transaction The present invention relates to a system configuration in which a financial institution opens and processes a negative loan account in a face-to-face manner based on the negative loan account application when a negative loan account application including at least one information and transaction setting information is prepared and submitted. Specifically, when the customer fills out the negative loan account application form and submits it to the counter, The mobile terminal acquires a predetermined image content corresponding to the negative loan account application through a predetermined image acquisition device and transmits the predetermined image content to the account opening server 100, and then a negative loan account corresponding to the negative loan account application. When the application information is input (or selected) and transmitted to the account opening server 100, the account opening server 100 includes the at least one loan information including the customer information, loan account attribute information, and transaction-specific setting information. The implementation method of opening and processing the negative loan account based on the account application information is shown.

Those skilled in the art to which the present invention belongs, various implementation methods for registering the negative loan account application information to the account opening server 100 at the window terminal by referring to or modifying the drawings 6a and 6b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 6a and 6b.

For example, although the implementation method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the negative loan account application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the negative loan account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the negative loan account application information corresponding to the negative loan account application is described as being provided from the account opening server 100, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the account opening server 100, whereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the account opening server 100 shown in Figure 2 is referred to as "server" for convenience.

Referring to FIGS. 6A and 6B, when a predetermined customer fills out and submits a negative loan account application including at least one of customer information, loan account attribute information, and transaction-specific setting information for the operation of a negative loan account for a specific transaction, The window terminal shown in FIG. 2 requests a user interface for operating a specific loan account for a specific transaction corresponding to the negative loan account application while accessing the server through a predetermined financial network and connecting a predetermined communication channel. (W00), correspondingly, the server generates a user interface for acquiring predetermined image contents corresponding to the negative loan account application prepared by the customer through the predetermined image obtaining apparatus in the terminal and transmitting the predetermined image content to the server ( Or extracted) (w05), the generated (or extracted) through the financial network The user interface is transmitted to the terminal and output (w10).

Thereafter, the terminal acquires image content corresponding to the negative loan account application through a predetermined image acquisition device based on the user interface (w15).

If image content corresponding to the negative loan account application is obtained through the image acquisition device (w20), the terminal transmits the obtained image content to the server through the financial network (w25).

Thereafter, the server inputs (or selects) negative loan account application information including at least one of customer information, loan account attribute information, and transaction-specific setting information corresponding to the negative loan account application matching the image content, and the server is input. A user interface for transmitting to the terminal is generated (or extracted) (w30), and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (w35).

Thereafter, the terminal inputs (or selects) negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information through the user interface (w40).

If negative loan account application information including at least one of the customer information, loan account attribute information, and transaction-specific setting information is input (or selected) through the user interface (w45), the terminal transmits the information through the financial network. The negative loan account application information inputted (or selected) is transmitted to the server (w50).

Thereafter, the server receives and reads the negative loan account application information including at least one of the customer information, loan account attribute information, and transaction-specific setting information through the financial network to confirm the validity of the negative loan account application information. (W55).

According to the implementation method of the present invention, the validity of the negative loan account application information is registered at least one or more ledger information matching the negative loan account application information in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking whether it is done.

For example, the validity of the negative loan account application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the negative loan account application information. It is preferable to include a check that matches the customer ledger stored in the D / B.

The verification of the validity of the negative loan account application information may include at least one or more items such as whether the customer is eligible to apply for the negative loan account by checking the creditworthiness of the customer applying for the negative loan account through the customer information. It is preferable to make it.

If the validity of the negative loan account application information is not authenticated (w60), the server generates predetermined financial account error information and transmits it to the terminal (w65), and the negative loan corresponding to the negative loan account application information is provided. Do not open an account.

On the other hand, if the validity of the negative loan account application information is authenticated (w60), the server generates a predetermined negative loan account electronic document including the image content (w70).

According to an embodiment of the present invention, the server is a negative loan account for operating the negative loan account for each specific transaction as it is the image file including the image content received from the terminal device through the image receiving unit 230 It is preferable to process the document.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. It is preferable to generate a negative loan account electronic document for operating a negative loan account for each specific transaction from an image file corresponding to image content including at least one or more pieces of information of each setting by a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI file) including the image content received from the terminal device through the image receiving unit 230. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a negative loan account for operating a negative loan account for each specific transaction. It is desirable to create a document.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. Generating image content including at least one or more pieces of setting information by watermarking, and generating a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content. Electronic data interchange), a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a negative loan account electronic document for operating a negative loan account for each specific transaction. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server includes the image contents received from the terminal device through the image receiver 230 and negative loan account application information received through the information receiver 225. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 on the image content received from the terminal device through the image receiver 230. Generates an image content including at least one or more information of each setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document) including the generated image content and the negative loan account application information. Operating a negative loan account for each specific transaction by generating a format 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 negative loan account electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates a negative loan account electronic document in an image file format or a predetermined document file format, and an image corresponding to the negative loan account electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated negative loan account electronic document in a predetermined electronic document storage (w75).

As shown in FIG. 2, the electronic document repository includes an electronic document D / B 210 and a predetermined electronic document server 205 associated with a server on the account opening system through predetermined communication means. When provided with, the server preferably transmits the generated negative loan account electronic document to the electronic document server 205 through the communication means to store in the electronic document D / B (210).

Or, if the electronic document storage is provided on the DBMS provided in the account opening system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the account opening system the negative loan account It is possible to store in the document D / B 210, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the negative loan account electronic document in the electronic document storage is performed by linking the generated negative loan account electronic document and predetermined electronic document management information to the electronic illustrated in FIG. It is preferable to include storing in the document D / B (210).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the negative loan account electronic document and the electronic document storage date and time information.

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a negative loan account application corresponding to the image content, financial institution information for transmitting the negative loan account electronic document, or electronic document file). Format information, or the negative loan account application information).

If the negative loan account electronic document is stored in the electronic document repository (w80), the server determines the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information. Generate (w85).

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

Thereafter, the server is linked with the financial system, the financial account of the customer name including the financial account information based on the customer information, loan account attribute information and transaction setting information included in the negative loan account application information; Open process is processed (w90).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the negative loan account application information. Characterized by opening a predetermined financial account for the operation of the negative loan account for each transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information, and stores the negative loan account information in a predetermined storage medium 200 ( w95)

According to an embodiment of the present invention, when the storage medium 200 is provided in the server or on a network associated with the server, the server includes the customer information included in the received negative loan account application information. And store the negative loan account information including at least one loan account attribute information and transaction setting information in the storage medium 200.

According to another exemplary embodiment of the present invention, when the storage medium 200 is provided in a DBMS provided on a financial system, the server may include the customer information and loan account attribute information included in the received negative loan account application information. It is preferable to provide the information of the negative loan account including at least one transaction setting information to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Thereafter, the server records predetermined financial account opening history information (for example, the history of opening the negative loan account, or storing the negative loan account electronic document in the electronic document repository, or the negative loan in the storage medium 200). Details of storing the account application information) are generated (or extracted) and transmitted to the terminal (w99).

According to one embodiment of the invention, the storage medium 200 is preferably provided in the DBMS on the financial system provided on the account opening system (or associated with the account opening system), wherein the storage medium 200 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 200 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account opening system. It is possible to be provided in a DBMS on one or more banking systems, whereby the invention is not limited.

7A and 7B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

7a and 7b show a terminal device in which a terminal device on the account opening system shown in FIG. 2 is provided at a branch of a financial institution (or a branch), and the account opening server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer information, the customer information and the loan account attribute information to open a negative loan account for operating a negative loan account for a specific transaction The present invention relates to a system configuration for opening and processing a negative loan account in a face-to-face manner based on the negative loan account application by the financial institution when a negative loan account application including at least one transaction setting information is prepared and submitted. When the customer fills out the negative loan account application form and submits it to the counter. After inputting (or selecting) the negative loan account application information corresponding to the negative loan account application at the window terminal and transmitting it to the account opening server 100, the negative terminal applies to the negative loan account application through a predetermined image acquisition device. Obtaining the corresponding predetermined image content and transmitting to the account opening server 100, the account opening server 100, the negative loan including at least one of the customer information, loan account attribute information and transaction-specific setting information The implementation method of opening and processing the negative loan account based on the account application information is shown.

Those skilled in the art to which the present invention pertains, various methods of registering the negative loan account application information to the account opening server 100 at the window terminal by referring to or modifying the drawings 7a and 7b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 7a and 7b.

For example, the implementation method illustrated in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the negative loan account application and storing the electronic document in an electronic document storage, but the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the negative loan application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the negative loan account application information corresponding to the negative loan account application is described as being provided from the account opening server 100, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the account opening server 100, whereby the present invention is not limited.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the account opening server 100 shown in Figure 2 is referred to as "server" for convenience, and in the window terminal The customer information, loan account attribute information, and transaction-specific setting information transmitted to the account opening server 100 are referred to as "minus loan account application information" for convenience.

Referring to FIGS. 7A and 7B, when a predetermined customer fills out and submits a negative loan account application including at least one of customer information, loan account attribute information, and transaction-specific setting information in order to operate a negative loan account for a specific transaction, The window terminal shown in FIG. 2 requests a user interface for operating a specific loan for each specific transaction corresponding to the negative loan account application in a state in which a communication channel is connected to the server through a predetermined financial network. (X00), in response, the server inputs (or selects) negative loan account application information including at least one of customer information, loan account attribute information, and transaction-specific setting information corresponding to the negative loan account application prepared by the customer. Create (or extract) a user interface for sending to the server (X05), and transmits the generated (or extracted) user interface to the terminal through the financial network (x10).

Thereafter, the terminal inputs (or selects) negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information through the user interface (x15).

If negative loan account application information including at least one of the customer information, loan account attribute information, and transaction-specific setting information is input (or selected) through the user interface (x20), the terminal is connected to the financial network. The negative loan account application information inputted (or selected) is transmitted to the server (x25).

Thereafter, the server receives and reads the negative loan account application information including at least one of the customer information, loan account attribute information, and transaction-specific setting information through the financial network to confirm the validity of the negative loan account application information. (X30).

According to the implementation method of the present invention, the validity of the negative loan account application information is registered at least one or more ledger information matching the negative loan account application information in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking whether it is done.

For example, the validity of the negative loan account application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the negative loan account application information. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validation of the negative loan account application information may include at least one or more such as whether the customer is eligible to apply for the negative loan account by checking the creditworthiness of the customer applying for the negative loan account through the customer information. It is preferable to make it.

If the validity of the negative loan account application information is not authenticated (x35), the server generates predetermined financial account error information and transmits it to the terminal (x40), and the negative loan corresponding to the negative loan account application information Do not open an account.

On the other hand, if the validity of the negative loan account application information is authenticated (x35), the server acquires predetermined image content corresponding to the negative loan account application prepared by the customer through the predetermined image acquisition device in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (x45), and the generated (or extracted) user interface is transmitted to the terminal for output through the financial network (x50).

Thereafter, the terminal acquires image content corresponding to the negative loan account application through a predetermined image acquisition device based on the user interface (x55).

If image content corresponding to the negative loan account application is obtained through the image acquisition device (x60), the terminal transmits the obtained image content to the server through the financial network (x65).

The server receiving the negative loan account application information and the image content from the terminal generates a predetermined negative loan account electronic document including the image content (x70).

According to an embodiment of the present invention, the server is a negative loan account for operating the negative loan account for each specific transaction as it is the image file including the image content received from the terminal device through the image receiving unit 230 It is preferable to process the document.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. It is preferable to generate a negative loan account electronic document for operating a negative loan account for each specific transaction from an image file corresponding to image content including at least one or more pieces of information of each setting by a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 230. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a negative loan account for operating a negative loan account for each specific transaction. It is desirable to create a document.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. Generating image content including at least one or more pieces of setting information by watermarking, and generating a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content. Electronic data interchange), a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a negative loan account electronic document for operating a negative loan account for each specific transaction. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server includes the image contents received from the terminal device through the image receiver 230 and negative loan account application information received through the information receiver 225. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. Generates an image content including at least one or more information of each setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document) including the generated image content and the negative loan account application information. Operating a negative loan account for each specific transaction by generating a format 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 negative loan account electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates a negative loan account electronic document in an image file format or a predetermined document file format, and an image corresponding to the negative loan account electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated negative loan account electronic document in a predetermined electronic document storage (x75).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 205 and an electronic document D / B 210 connected to a server on the account opening system through predetermined communication means. When provided, the server preferably transmits the generated negative loan account electronic document to the electronic document server 205 through the communication means to store in the electronic document D / B (210).

Or, if the electronic document storage is provided on the DBMS provided in the account opening system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the account opening system the negative loan account It is possible to store in the document D / B 210, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the negative loan account electronic document in the electronic document storage is performed by linking the generated negative loan account electronic document and predetermined electronic document management information to the electronic illustrated in FIG. It is preferable to include storing in the document D / B (210).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the negative loan account electronic document and the electronic document storage date and time information.

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a negative loan account application corresponding to the image content, financial institution information for transmitting the negative loan account electronic document, or electronic document file). Format information, or the negative loan account application information).

If the negative loan account electronic document is stored in the electronic document repository (x80), the server determines the financial account information based on the customer information, loan account attribute information, and transaction-specific setting information included in the negative loan account application information. Generates (x85).

Herein, the financial account information may include an account number and an interest rate information corresponding to the negative loan account opened based on the negative loan account application information, and the negative loan account includes a savings attribute. It is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server connects the financial account of the customer name including the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in association with the financial system. Open process (x90).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the negative loan account application information. Characterized by opening a predetermined financial account for the operation of the negative loan account for each transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information, and stores the negative loan account information in a predetermined storage medium 200 ( x95)

According to an embodiment of the present invention, when the storage medium 200 is provided in the server or on a network associated with the server, the server includes the customer information included in the received negative loan account application information. And store the negative loan account information including at least one loan account attribute information and transaction setting information in the storage medium 200.

According to another exemplary embodiment of the present invention, when the storage medium 200 is provided in a DBMS provided on a financial system, the server includes the customer information and the loan account attribute included in the received negative loan account application information. It is preferable to provide negative loan account information including at least one information and transaction setting information as an information system through an external system on the financial system and to store the information in a DBMS provided on the financial system.

Subsequently, the server may provide predetermined financial account opening history information (eg, the negative loan account opening history, or the history of storing the negative loan account electronic document in the electronic document repository, or the negative loan in the storage medium 200). History of storing the account application information) is generated (or extracted) and transmitted to the terminal (x99).

According to one embodiment of the invention, the storage medium 200 is preferably provided in the DBMS on the financial system provided on the account opening system (or associated with the account opening system), wherein the storage medium 200 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 200 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account opening system. It is possible to be provided in a DBMS on one or more banking systems, whereby the invention is not limited.

8A and 8B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals in which a terminal device on the account opening system shown in FIG. 2 is provided at a branch of a financial institution (or a branch), and the account opening server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer information, the customer information and the loan account attribute information to open a negative loan account for operating a negative loan account for a specific transaction The present invention relates to a system configuration for opening and processing a negative loan account in a face-to-face manner based on the negative loan account application by the financial institution when a negative loan account application including at least one transaction setting information is prepared and submitted. When the customer fills out the negative loan account application form and submits it to the counter, After acquiring predetermined image contents corresponding to the negative loan account application through the predetermined image acquisition device at the window terminal, inputting (or selecting) negative loan account application information corresponding to the negative loan account application, and When the image content and the negative loan account application information are transmitted to the account opening server 100, the account opening server 100 includes at least one of the customer information, the loan account attribute information, and transaction-specific setting information. It shows an implementation method of opening and processing the negative loan account based on the loan account application information.

Those skilled in the art to which the present invention pertains, various methods of registering the negative loan account application information to the account opening server 100 at the window terminal by referring to or modifying the drawings 8a and 8b. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in the Figures 8a and 8b.

For example, although the implementation method shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the negative loan account application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 8A and 8B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the negative loan account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) the negative loan account application information corresponding to the negative loan account application is described as being provided from the account opening server 100, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the account opening server 100, whereby the present invention is not limited.

In the following Figures 8a and 8b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the account opening server 100 shown in Figure 2 is referred to as "server" for convenience, and in the window terminal The customer information, loan account attribute information, and transaction-specific setting information transmitted to the account opening server 100 are referred to as "minus loan account application information" for convenience.

Referring to FIGS. 8A and 8B, when a predetermined customer fills out and submits a negative loan account application including at least one of customer information, loan account attribute information, and transaction-specific setting information in order to operate a negative loan account for a specific transaction, The window terminal shown in FIG. 2 requests a user interface for operating a specific loan for each specific transaction corresponding to the negative loan account application in a state in which a communication channel is connected to the server through a predetermined financial network. (Y00), in response, the server inputs (or selects) the negative loan account application information corresponding to the negative loan account application prepared by the customer in the terminal, and the negative loan account application through a predetermined image acquisition device. Acquires predetermined image content corresponding to and transmits the image content to the server; Generating a user interface (or extraction) and (y05), and outputs through the financial network transmits the user interface the generated (or extracted) to the terminal (y10).

Thereafter, the terminal inputs (or selects) negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information through the user interface (y15).

If negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information is input (or selected) through the user interface (y20), the terminal is based on the user interface. An image content corresponding to the negative loan account application is obtained through a predetermined image acquisition device (y25).

If image content corresponding to the negative loan account application is obtained through the image acquisition device (y30), the terminal transmits the negative loan account application information and image content to the server through the financial network (y35). .

Thereafter, the server receives and reads the negative loan account application information including at least one of the customer information, loan account attribute information, and transaction-specific setting information through the financial network to confirm the validity of the negative loan account application information. (Y40)

According to the implementation method of the present invention, the validity of the negative loan account application information is registered at least one or more ledger information matching the negative loan account application information in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking whether it is done.

For example, the validity of the negative loan account application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the negative loan account application information. It is preferable to include a check that matches the customer ledger stored in the D / B.

The verification of the validity of the negative loan account application information may include at least one or more items such as whether the customer is eligible to apply for the negative loan account by checking the creditworthiness of the customer applying for the negative loan account through the customer information. It is preferable to make it.

If the validity of the negative loan account application information is not authenticated (y45), the server generates predetermined financial account error information and transmits it to the terminal (y50), and the negative loan corresponding to the negative loan account application information Do not open an account.

On the other hand, if the validity of the negative loan account application information is authenticated (y45), the server generates a predetermined negative loan account electronic document including the image content (y55).

According to an embodiment of the present invention, the server is a negative loan account for operating the negative loan account for each specific transaction as it is the image file including the image content received from the terminal device through the image receiving unit 230 It is preferable to process the document.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. It is preferable to generate a negative loan account electronic document for operating a negative loan account for each specific transaction from an image file corresponding to image content including at least one or more pieces of information of each setting by a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI file) including the image content received from the terminal device through the image receiving unit 230. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a negative loan account for operating a negative loan account for each specific transaction. It is desirable to create a document.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. Generating image content including at least one or more pieces of setting information by watermarking, and generating a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content. Electronic data interchange), a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a negative loan account electronic document for operating a negative loan account for each specific transaction. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server includes the image contents received from the terminal device through the image receiver 230 and negative loan account application information received through the information receiver 225. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Alternatively, the server deals with customer information and loan account attribute information included in the negative loan account application information received through the information receiver 225 in the image content received from the terminal device through the image receiver 230. Generates an image content including at least one or more information of each setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document) including the generated image content and the negative loan account application information. Operating a negative loan account for each specific transaction by generating a format 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 negative loan account electronic document.

Those skilled in the art to which the present invention pertains include technical features that the server generates a negative loan account electronic document in an image file format or a predetermined document file format, and an image corresponding to the negative loan account electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated negative loan account electronic document in a predetermined electronic document storage (y60).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 205 and an electronic document D / B 210 connected to a server on the account opening system through predetermined communication means. When provided, the server preferably transmits the generated negative loan account electronic document to the electronic document server 205 through the communication means to store in the electronic document D / B (210).

Or, if the electronic document storage is provided on the DBMS provided in the account opening system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the account opening system the negative loan account It is possible to store in the document D / B 210, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the negative loan account electronic document in the electronic document storage is performed by linking the generated negative loan account electronic document and predetermined electronic document management information to the electronic illustrated in FIG. It is preferable to include storing in the document D / B (210).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the negative loan account electronic document and the electronic document storage date and time information.

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information for preparing a negative loan account application corresponding to the image content, financial institution information for transmitting the negative loan account electronic document, or electronic document file). Format information, or the negative loan account application information).

If the negative loan account electronic document is stored in the electronic document repository (y65), the server determines the financial account information based on the customer information, loan account attribute information, and transaction-specific setting information included in the negative loan account application information. Generate (y70).

The financial account information may include an account number and an interest rate information corresponding to the negative loan account opened based on the negative loan account application information, and the negative loan account includes a savings attribute. It is preferable to further include a predetermined subscription period, payment date and time and payment amount information.

Thereafter, the server connects the financial account of the customer name including the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in association with the financial system. Open processing (y75).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the negative loan account application information. Characterized by opening a predetermined financial account for the operation of the negative loan account for each transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information, and stores the negative loan account information in a predetermined storage medium 200 ( y80)

According to an embodiment of the present invention, when the storage medium 200 is provided in the server or on a network associated with the server, the server includes the customer information included in the received negative loan account application information. And store the negative loan account information including at least one loan account attribute information and transaction setting information in the storage medium 200.

According to another exemplary embodiment of the present invention, when the storage medium 200 is provided in a DBMS provided on a financial system, the server may include the customer information and loan account attribute information included in the received negative loan account application information. It is preferable to provide negative lending account information including at least one or more transaction setting information to the information system through an external system on the financial system and store it in a DBMS provided on the financial system.

Subsequently, the server may provide predetermined financial account opening history information (eg, the negative loan account opening history, or the history of storing the negative loan account electronic document in the electronic document repository, or the negative loan in the storage medium 200). History of storing the account application information) is generated (or extracted) and transmitted to the terminal (y85).

According to one embodiment of the invention, the storage medium 200 is preferably provided in the DBMS on the financial system provided on the account opening system (or associated with the account opening system), wherein the storage medium 200 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 200 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account opening system. It is possible to be provided in a DBMS on one or more banking systems, whereby the invention is not limited.

9 is a diagram illustrating an account opening system for operating a negative loan account for a specific transaction according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates that when a predetermined customer provides negative loan account application information including at least one of predetermined customer information, loan account attribute information, and transaction setting information through a predetermined financial account opening interface to the financial institution, The financial institution opens a negative loan account for operating a negative loan account for each specific transaction based on the negative loan account application information, and stores negative loan account information for managing the negative loan account in a predetermined storage medium (900). And a system having a general knowledge in the technical field to which the present invention pertains, various implementations of an account opening system for operating a negative loan account for each specific transaction by referring to or modifying the drawing 9 It would be possible to infer a method, but the present invention Includes all embodiments methods, it shall not be limited to the exemplary method shown in the figure 9.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer an account opening system configuration by omitting or implementing the method of storing the negative loan account electronic document in the electronic document repository by referring to or modifying the drawing. Also, in the case where the negative loan account electronic document is stored in the electronic document repository, an implementation method provided in the DBMS in which the electronic document repository is located in the account opening system, in addition to the implementation method shown in FIG. 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.

In addition, according to the implementation method shown in FIG. 9, the negative loan account electronic document is described as being generated on the server side on the account opening system, but the present invention is not limited thereto. The account electronic document may be generated on the terminal side which inputs (or selects) the negative loan account application information and transmits the information (eg, the electronic document generation function provided on the server side is provided on the terminal side. Document), by which the present invention is not limited.

Hereinafter, receiving the negative loan account application information from the customer through a predetermined financial account opening interface on the account opening system shown in FIG. 9, allowing the customer to open the negative loan account, and corresponding to the predetermined negative. A component corresponding to at least one or more means or functional configurations for generating a loan account electronic document and storing it in a predetermined electronic document storage is referred to as "account opening server 105" for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, an account opening system for operating a negative loan account for each specific transaction includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a terminal device including the above, the terminal device is connected to the account opening server 105 provided on the account opening system via a predetermined network means communication channel.

According to an embodiment of the present invention, the customer connects to the account opening server 105 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the account When entering (or selecting) negative loan account application information for operating a specific loan minus account for each specific transaction through at least one user interface provided by the opening server 105, the client terminal receives the account through a predetermined network means. It is preferable to transmit to the account opening server 105 provided on the opening system.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the account opening server 105 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the account opening server 105 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based mobile Internet, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the IEEE 802.11x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the account opening server 105, input or select at least one information through the user interface, and transmit the same to the account opening server 105. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the account opening server 105, etc.) is provided.

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

In the account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the account opening server 105. The customer performs a function of a financial account opening interface for registering the negative loan account application information for the operation of the negative loan account for each specific transaction.

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the account opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the account opening server 105 may be used. The connecting financial network performs a function of a financial account opening interface for the customer to register a negative loan account application information for the operation of the negative loan account for each specific transaction, or the terminal device is the call terminal (not shown). In this case, a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the account opening server 105 may be used by the customer to perform a negative loan account for the operation of the negative loan account for each specific transaction. The financial institution that functions as an interface for opening a financial account for registering application information or is the terminal device. In the case of a terminal (or server) (not shown) provided in an affiliated institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the account opening server 105. The network performs a function of a financial account opening interface for the customer to register the negative loan account application information for the operation of the negative loan account for each specific transaction.

The storage medium 900 provided on the account opening system according to the present invention includes customer information, account information, and account attribute information corresponding to the negative loan account opened through the negative loan account application information provided from the terminal device. And store the negative loan account information including at least one transaction setting information.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account attribute information, and the minus It is preferable to include at least one or more loan limit information for the loan account, interest rate (or interest rate) information applied to the negative loan, loan amount information for the negative loan account.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer's personal information. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The account information is account information corresponding to the negative loan account opened through the negative loan account application information, wherein the account information comprises at least one or more account number corresponding to the negative loan account, the name of the borrower, etc. desirable.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that can be borrowed by the customer who applied for the negative loan account.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

According to one embodiment of the invention, the storage medium 900 is preferably provided in the DBMS on the financial system provided on the account opening system (or associated with the account opening system), wherein the storage medium 900 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 900 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account opening system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The account opening server 105 provided on the account opening system according to the present invention is a generic term for the account opening system side components connected to the terminal device through a predetermined network means, and includes at least one server (or device). It may be implemented to include, or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the account opening server 105 is configured on the internet banking system. Is a predetermined Internet banking server provided in the, or a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the account opening server 105 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) A program included in, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or provided in the external system on the financial system. It may be a program, whereby the present invention is not limited.

According to another embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the account opening server 105 is provided on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system ( Or device), a program included in the server (or device), or a server (or device) provided in the external system on the financial system accessible through the telebanking server (or the server (or device)). Or may be a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the account opening server 105 may be configured on the TV banking system. Is a predetermined TV banking server provided in the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to the embodiment of the present invention, the account opening server 105 is characterized in that it comprises an interface unit 915 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 915 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 915 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the account opening server 105, the interface unit 915 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 915 may be assigned with the financial automatic device based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 915 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 915 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the account opening server 105, the interface unit 915 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 915 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 915 provides a communication interface for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 915 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 9, when the predetermined terminal device connects a predetermined communication channel with the account opening server 105 through the interface unit 915, the account opening server 105 may have a negative loan for each specific transaction. To generate (or extract) at least one user interface for inputting (or selecting) predetermined negative loan account application information from the terminal device to the account opening server 105 for account operation, and generating (or extracting) the interface unit ( An interface providing unit 920 for providing the generated (or extracted) user interface to the terminal device in association with 915 and inputting (or selecting) the negative loan account application information through the user interface in the terminal device; And the negative loan account application information transmitted from the terminal device in connection with the interface unit 915. And an information receiving unit (925) for receiving is characterized in that formed.

The interface providing unit 920 connects a predetermined communication channel with the account opening server 105 through the interface unit 915, and then minus the specific transaction by the account opening server 105. When requesting a user interface for operating a loan account, the terminal device inputs (or selects) predetermined negative loan account application information and transmits it to the account opening server 105 through the network means. Or extract from a predetermined database (not shown), and provide the generated (or extracted) user interface to the terminal device through the network means in association with the interface unit 915.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 920 is provided by a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 915.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 920 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 915.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 920 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 915.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 920 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 915. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 920 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 915.

According to another exemplary embodiment of the present invention, the terminal apparatus includes at least one user interface for inputting (or selecting) predetermined negative loan account application information to the account opening server 105 through the network means. If a predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined negative loan account application information and transmitting the same to the account opening server 105 as described above. The interface providing unit 920 provided by the device may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information through the user interface, and the input (or selected) minus The loan account application information is transmitted to the account opening server 105 through the network means, and correspondingly, the information receiving unit 925 is connected to the interface unit 915 and the negative loan account transmitted from the terminal device. Receive application information.

According to the embodiment of the present invention, it is preferable that the negative loan account application information includes customer information, loan account attribute information, transaction setting information, and the like.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer's personal information. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The loan account attribute information may include at least one or more loan limit information, interest rate (or interest rate) information, and loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the loan account attribute information may include at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the loan account attribute information according to the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the loan (or delinquency) period It is preferable to include at least one of interest rate (or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount).

The loan amount information included in the loan account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

According to an embodiment of the present invention, the terminal apparatus includes the at least one loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the account opening server 105 through the network means It is desirable to send to.

According to an embodiment of the present invention, the terminal device may include at least one encryption method (eg, a symmetric key based encryption method) for minus loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. Or a public key-based encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method, or the like, or attach a predetermined electronic signature to the negative loan account application information to open the account through the network means. It is preferable to transmit to (105), for this purpose, the terminal device has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, or An accredited certificate is placed on a given IC chip (or IC card). Preferably, the IC chip card reader to make sure the certificate provided in (or IC card) is provided when the.

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

Referring to FIG. 9, when the account opening server 105 receives the negative loan account application information transmitted from the terminal device through the information receiving unit 925, the received negative loan account application information is stored in the specific transaction. Characterized in that it comprises a validity check unit 930 to check whether the validity for each minus loan account operation.

According to an embodiment of the present invention, the negative loan account application information may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The validity confirming unit 930 is configured to at least one decryption method (for example, a symmetric key based decryption method or a public key based decryption method) corresponding to the encryption method. Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, and the like, to authenticate validity of the received negative loan account application information.

Alternatively, when a predetermined electronic signature is attached to the negative loan account application information, the validity verification unit 930 checks the electronic signature attached to the negative loan account application information, thereby receiving the received negative loan account application information. It is desirable to authenticate validity.

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

According to an embodiment of the present invention, if the negative loan account application information received through the information receiving unit 925 further includes a predetermined password for checking the validity of the negative loan account application information, the validity confirmation unit In operation 930, it is preferable to authenticate the validity of the received negative loan account application information by comparing and authenticating the received password included in the negative loan account application information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the negative loan account application information received through the information receiving unit 925 further includes predetermined security card information for checking the validity of the negative loan account application information, the validity checking unit 930. Compares and authenticates the security card information included in the negative loan account application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received negative loan account application information. desirable.

Alternatively, when the negative loan account application information received through the information receiving unit 925 further includes a predetermined OTP code for checking the validity of the negative loan account application information, the validity checking unit 930 may include: By comparing and authenticating the received OTP code included in the negative loan account application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received negative loan account application information It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validity of the negative loan account application information is registered at least one or more ledger information matching the negative loan account application information in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking whether it is done.

For example, the validity of the negative loan account application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the negative loan account application information. It is preferable to include a check that matches the customer ledger stored in the D / B.

The verification of the validity of the negative loan account application information may include at least one or more items such as whether the customer is eligible to apply for the negative loan account by checking the creditworthiness of the customer applying for the negative loan account through the customer information. It is preferable to make it.

Referring to FIG. 9, when the validity of the negative loan account application information is authenticated through the validity checking unit 930, the account opening server 105 includes a predetermined negative value including the received negative loan account application information. And an electronic document generation unit 935 for generating a loan account electronic document, and an electronic document transmission unit 940 for transmitting the generated negative loan account electronic document to an electronic document repository associated with the account opening system. It features.

The electronic document generation unit 935 generates a negative loan account electronic document including the negative loan account application information received from the terminal device through the information receiving unit 925.

According to an exemplary embodiment of the present invention, the electronic document generation unit 935 includes at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiver 925. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including the MHT), it is preferable to process the negative loan account electronic document for the operation of the specific loan minus account.

Alternatively, the electronic document generator 935 generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiver 925. The document content includes at least one of customer information included in the negative loan account application information, loan account attribute information, and transaction setting information in a watermarking manner, and then includes the watermarking document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to process a negative loan account electronic document for operating a negative loan account for each specific transaction.

Alternatively, the electronic document generator 935 generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiver 925. And an image file including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory) for a negative loan account for each specific transaction. It is preferable to treat with.

Alternatively, the electronic document generator 935 generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiver 925. And the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. After including at least one of the information in a watermarking (Watermarking) method, it is preferable to process the image file including the image content including the watermarking as a negative loan account electronic document for the operation of the negative loan account for each specific transaction Do.

According to another exemplary embodiment of the present invention, the electronic document generating unit 935 stores at least customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiving unit 925. Generate a document content including one or more, and a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). By generating a Document Format (EDI) 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 process negative loan accounts electronic documents for operation.

Alternatively, the electronic document generator 935 generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiver 925. And the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By creating a web page, etc. should file), it is desirable to handle negative loan account electronic documents for a particular transaction by negative loan account management.

According to another exemplary embodiment of the present invention, the electronic document generator 935 may include customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiver 925. Generate document content including at least one, and include image content (eg, image content generated by capturing the document content on a memory) and the minus loan account application information. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to process the negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Alternatively, the electronic document generator 935 generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information received through the information receiver 925. And the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. Generating image content including at least one or more of the information by a watermarking method, and a document file including the watermarking image content and the negative loan account application information (eg, a Portable Document Format (PDF)). Include at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file By creating a file such as a Web document) comprising a word processing file, or MHT that is preferably treated with a negative loan account, the electronic document for the particular transaction-specific negative loan account management.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generation unit 935 to generate a negative loan account electronic document in an image file format or a predetermined document file format, and the negative loan account. Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 940 transmits and stores the negative loan account electronic document generated by the electronic document generating unit 935 to a predetermined electronic document repository associated with the account opening system.

As shown in FIG. 9, a predetermined electronic document server 905 and an electronic document D / B 910 in which the electronic document storage is connected to the account opening server 105 on the account opening system through predetermined communication means. When provided externally, the electronic document transmission unit 940 to the electronic document server 905 through the communication means for the negative loan account electronic document generated by the electronic document generation unit 935 Characterized in that the transmission.

Herein, when the electronic document server 905 and the electronic document D / B 910 are provided outside the account opening system, the electronic document server 905 and the electronic document D / B 910 are authorized. It is advisable to manage it in an established institution.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the account opening system, the electronic document transmission unit 940 is the negative generated by the electronic document generation unit 935. It is possible to store the loan account electronic document in the electronic document D / B 910 corresponding to the electronic document storage on the DBMS provided in the account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 940 inputs electronic document related information (eg, the negative loan account application information) for generating predetermined electronic document management information in the electronic document server 905. (Optional) transmitting to the electronic document repository further comprising customer information, or financial institution information for transmitting the negative loan account electronic document, or electronic document file format information, or the negative loan account application information. It is possible that the present invention is not limited thereby.

Referring to FIG. 9, the account opening server 105 is configured to operate the negative loan account for each specific transaction through the validity checker 930 in which the negative loan account application information received through the information receiver 925 is used. When the validity is authenticated, an information generation unit 945 for generating the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the validity-negative negative loan account application information; And an account establishment unit 950 for opening and processing a financial account in the name of the customer including account information.

When the validity confirmation unit 930 confirms the validity of the negative loan account application information, the information generation unit 945 includes the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information. Based on the generated financial account information.

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

The account establishment unit 950 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger matched with the customer information). And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the specific loan account application information. Characterized by opening a predetermined financial account for the operation of the negative loan account.

According to an embodiment of the present invention, when the account opening server 105 and the financial system exist in the same system, the account opening unit 950 is linked to the financial system in the ledger D / B to the financial account information It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the account opening server 105 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 950 may use a predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 9, the account opening server 105 validates that the negative loan account application information received through the information receiving unit 925 is valid for the operation of the negative loan account for each specific transaction through the validity checking unit 930. When the authentication is successful, the storage medium 900 stores negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the validated negative loan account application information. An information storage unit 955 is provided.

When the validity check unit 930 confirms the validity of the negative loan account application information, the information storage unit 955 sets the customer information and the loan account attribute information and the transaction included in the negative loan account application information. The negative loan account information including at least one information is stored in the storage medium 900.

According to an embodiment of the present invention, when the storage medium 900 is provided in the account opening server 105 or on the network associated with the account opening server 105, the information storage unit 955 Preferably, the storage medium 900 stores negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information.

According to another exemplary embodiment of the present invention, when the storage medium 900 is provided in a DBMS provided on a financial system, the information storage unit 955 may include the customer information included in the received negative loan account application information. And it is preferable to provide the information of the negative loan account including at least one loan account attribute information and transaction setting information to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Referring to FIG. 9, an electronic document server receives a predetermined negative loan account electronic document from the account opening server 105 provided on the account opening system and stores and manages the electronic document in a predetermined electronic document D / B 910. An electronic document receiving unit 960 for receiving a predetermined negative loan account electronic document from the account opening server 105 through a predetermined communication means, and the received negative loan account electronic document are stored in the electronic document D. An information generation unit 965 for generating predetermined electronic document management information for storage and management in B / 910, and the electronic document management information and the negative loan account electronic document in a predetermined process. It is characterized by comprising an electronic document storage unit 970 to be stored in the B (910).

The electronic document receiving unit 960 may receive a negative loan account electronic document in the form of an image file or a document file from the account opening server 105 through the communication means.

According to an exemplary embodiment of the present invention, the negative loan account electronic document received by the electronic document receiving unit 960 through the communication means is applied to the negative loan account application information received by the account opening server 105 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document content including at least one or more included customer information, loan account attribute information, and transaction setting information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, a negative loan account electronic document received by the electronic document receiving unit 960 through the communication means may include customer information and loan account included in the negative loan account application information received by the account opening server 105 from the terminal device. After the watermarking method includes at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in document content including at least one of attribute information and transaction setting information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including at least one document file including document content including the watermarking, or Web document file including MHT).

Alternatively, the negative loan account electronic document received by the electronic document receiving unit 960 through the communication means may include customer information and loan included in the negative loan account application information received by the account opening server 105 from the terminal device. It is preferable to include an image file including image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of account attribute information and transaction setting information. Do.

Alternatively, a negative loan account electronic document received by the electronic document receiving unit 960 through the communication means may include customer information and loan account included in the negative loan account application information received by the account opening server 105 from the terminal device. Customer information included in the negative loan account application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one of attribute information and transaction setting information. And including at least one or more information of the loan account attribute information and the transaction setting information in a watermarking manner, and then include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the negative loan account electronic document received by the electronic document receiving unit 960 through the communication means is negative loan account application information received by the account opening server 105 from the terminal device. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of customer information, loan account attribute information, and transaction setting information included in the document information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, a negative loan account electronic document received by the electronic document receiving unit 960 through the communication means may include customer information and loan account included in the negative loan account application information received by the account opening server 105 from the terminal device. Customer information included in the negative loan account application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one of attribute information and transaction setting information. And a document file including at least one or more information of the loan account attribute information and the transaction setting information by a watermarking method, and a document file (for example, a PDF (Portable Document) including the image content including the watermarking). Format file, EDI (Electronic Data Interchange) file, or HWP / DOC And at least one word processor file or web document file including MHT).

According to another exemplary embodiment of the present invention, a negative loan account electronic document received by the electronic document receiving unit 960 through the communication means is a negative loan account received by the account opening server 105 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of customer information, loan account attribute information, and transaction setting information included in the application information. 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 of HWP / DOC, etc.) containing negative loan account application information, or an MHT. Web document files, etc.) to be included.

Alternatively, a negative loan account electronic document received by the electronic document receiving unit 960 through the communication means may include customer information and loan account included in the negative loan account application information received by the account opening server 105 from the terminal device. Customer information included in the negative loan account application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one of attribute information and transaction setting information. And generate image content including at least one or more information of the loan account attribute information and the transaction setting information by a watermarking method, and include the watermarking image content and the negative loan account application information. (E.g., Portable Document Format (PDF) files, or Electronic Data In terchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

The information generating unit 965 is a predetermined electronic document unique number (or unique information) to be assigned to the negative loan account electronic document received through the electronic document receiving unit 960, and through the electronic document receiving unit 960 And generating electronic document management information including electronic document storage date and time information including a date and time when a negative loan account electronic document was received (or a date and time at which the negative loan account electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 965 refers to the account opening server 105 that has transmitted the negative loan account electronic document received through the electronic document receiving unit 960, and the negative loan account. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the account opening server 105 through the electronic document receiving unit 960, the information generating unit 965 receives the received information. Electronic document related information (for example, customer information transmitted by inputting (selecting) the negative loan account application information), financial institution information transmitting the negative loan account electronic document, electronic document file format information, or the negative loan It is preferable to generate electronic document management information further including account application information).

The electronic document storage unit 970 links and processes a negative loan account electronic document received through the electronic document receiving unit 960 and electronic document management information generated through the information generating unit 965. It stores in / B (910).

According to an exemplary embodiment of the present invention, a negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 is received by the account opening server 105 from the terminal device. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document content including at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 is included in the negative loan account application information received by the account opening server 105 from the terminal device. Watermarking at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in document content including at least one selected customer information, loan account attribute information, and transaction setting information. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 is included in the negative loan account application information received by the account opening server 105 from the terminal device. An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one selected customer information, loan account attribute information, and transaction setting information. It is preferable to comprise.

Alternatively, the negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 is included in the negative loan account application information received by the account opening server 105 from the terminal device. The negative loan account to an image content (eg, an image content generated by capturing the document content on a memory) which captures document content including at least one selected customer information, loan account attribute information, and transaction setting information. And including at least one of customer information, loan account attribute information, and transaction setting information included in the application information by a watermarking method, and then including an image file including the image content including the watermarking. desirable.

According to another exemplary embodiment of the present invention, a negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 is received by the account opening server 105 from the terminal device. Image content that captures document content including at least one of customer information, loan account property information, and transaction setting information included in one minus loan account application information (eg, an image generated by capturing the document content on a memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including MHT. Document files).

Alternatively, the negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 is included in the negative loan account application information received by the account opening server 105 from the terminal device. The negative loan account to an image content (eg, an image content generated by capturing the document content on a memory) which captures document content including at least one selected customer information, loan account attribute information, and transaction setting information. A document file including image information including at least one of customer information, loan account attribute information, and transaction setting information included in the application information by watermarking, and including the watermarking. For example, write down a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC. A word processor file including one or more of the drawings, or a web document file including the MHT).

According to another exemplary embodiment of the present invention, a negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 is opened by the account opening server 105 from the terminal device. Image content (e.g., generated by capturing the document content in memory by capturing document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information). A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including an image content) and the negative loan account application information. File, or a web document file including MHT).

Alternatively, the negative loan account electronic document stored in the electronic document D / B 910 by the electronic document storage unit 970 may be applied to the negative loan account application information received by the account opening server 105 from the terminal device. The negative loan account is included in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan account attribute information, and transaction setting information. Generate image content including at least one of customer information, loan account attribute information, and transaction setting information included in the application information by a watermarking method; and the image content including the watermarking and the negative loan account Document file containing the application information (e.g. Portable Document Format (PDF) file, or EDI (Electronic Data) Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 910 by the electronic document storage unit 970 in association with the negative loan account electronic document is stored in the negative loan account electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 910 by the electronic document storage unit 970 in association with the negative loan account electronic document is stored in the negative loan account. It is preferable that the financial institution further includes information on the financial institution that transmitted the negative loan account electronic document, which is identified with reference to the account opening server 105 that transmitted the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the account opening server 105, the electronic document storage unit 970 processes the link with the negative loan account electronic document to perform the processing. The electronic document management information stored in the electronic document D / B 910 includes customer information transmitted by inputting (selecting) the received electronic document related information (for example, the negative loan account application information, or the negative loan account electronic). Financial institution information for transmitting a document, electronic document file format information, or the negative loan account application information).

10 is a diagram illustrating an implementation method in which a storage medium 900 for storing negative loan account information corresponding to a negative loan account opened in a non-face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system. .

In more detail, in FIG. 10, when the storage medium 900 illustrated in FIG. 9 is the ledger D / B provided in the DBMS on the financial system, or the ledger D / B, it is provided in the ledger D / B. As the information structure for one embodiment of the method in which the negative loan account information is stored in the ledger information, the person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this ledger by referring to FIG. Various information construction methods for storing the negative loan account information in D / B 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 Figure 10 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 linked to a predetermined customer ledger, the customer ledger and the account shown in Figure 9 The account ledger corresponding to the financial account opened through the establishment system and at least one information associated with the account ledger are shown to be included. If a person having ordinary knowledge in the technical field to which the present invention belongs, the financial system In the ledger D / B provided in the DBMS on the maintenance and management of at least one ledger (for example, a ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be apparent that at least one additional information is included for the purpose of understanding and the specific technical matters for this will be understood. Therefore, detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 10, wherein the storage medium 900 is the ledger D / B, or includes an implementation method provided in the ledger D / B according to an embodiment of the present invention, the negative shown in FIG. The negative loan account information including at least one of customer information, account information, account attribute information and transaction setting information corresponding to the negative loan account opened through the loan account application information is stored in the form of additional information added to the account ledger. It is characterized by.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account attribute information, and the minus It is preferable to include at least one or more loan limit information for the loan account, interest rate (or interest rate) information applied when the negative loan, the loan amount information for the negative loan account, the customer information in FIG. It is included in the customer ledger, and the account information will be omitted for convenience because it will be included in the account ledger.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the negative loan account application information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, a customer ledger). It can be stored in the form of additional information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

11 is a storage medium 900 for storing negative loan account information corresponding to a negative loan account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention, linked with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a compiled database.

In more detail, FIG. 11 illustrates an information structure for an embodiment in which the storage medium 900 shown in FIG. 9 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for storing the negative loan account information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 11 Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 11, when it is not easy to store the negative loan account information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the nature of the financial system), the negative loan account information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 11, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 11, the storage medium 900 includes a database associated with a ledger D / B provided in a DBMS on a financial system. And store the negative loan account information including at least one of customer information, account information, account attribute information, and transaction setting information corresponding to the negative loan account opened through the negative loan account information. It is preferable that the negative loan account information further includes a CIF number corresponding to the ledger information to be linked to / B.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account attribute information, and the minus It is preferable to include at least one or more loan limit information for the loan account, interest rate (or interest rate) information applied to the negative loan, loan amount information for the negative loan account.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer's personal information. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The account information is account information corresponding to the negative loan account opened through the negative loan account application information, and the account information includes at least one of an account number corresponding to the negative loan account, a borrower's name, and the like. It is preferable.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable that at least one or more pieces of information are set to not allow only specific transactions or only specific transactions.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

Figure 12 is an implementation method comprising a DBMS provided in the banking server the storage medium for storing the negative loan account information corresponding to the negative loan account opened in a non-face to face according to another embodiment of the present invention Figure is a diagram.

More specifically, FIG. 12 shows a DBMS in which the storage medium 900 shown in FIG. 9 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention belongs, minus loans stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 12 Although it is possible to infer a method of constructing information on account information, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 12 in which the storage medium 900 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server may include the negative loan account application information. And store the negative loan account information including at least one of customer information, account information, account attribute information, and transaction setting information corresponding to the negative loan account opened through.

According to the method of the present invention, the negative loan account information includes the customer information for opening the negative loan account through the negative loan account application information, account information corresponding to the negative loan account, the account property information, and the It is preferable to include at least one or more loan limit information for the negative loan account, interest rate (or interest rate) information applied to the negative loan, information on the amount of the loan for the negative loan account.

The customer information includes personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of a customer who opens a predetermined negative loan account through the negative loan account application information, and the customer's personal information. Member information (e.g., member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). Customer Information File) number, etc.) is preferably included.

The account information is account information corresponding to the negative loan account opened through the negative loan account application information, wherein the account information comprises at least one or more account number corresponding to the negative loan account, the name of the borrower, etc. desirable.

Preferably, the account attribute information includes at least one loan limit information, an interest rate (or interest rate) information, and a loan amount information for the negative loan account opened through the negative loan account application information.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information may include information for setting only a specific transaction or only a specific transaction when the customer who opened the negative loan account has a negative balance in the loan account and the customer at a financial institution that opens the negative loan account. If the balance of the negative lending account is negative, it is preferable to include at least one or more information for setting only a specific transaction or only a specific transaction.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

13A and 13B illustrate a process of opening a negative loan account for operating a negative loan account for a specific transaction in a non-face to face manner according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a web server function in which a terminal device on the account opening system shown in FIG. 9 is a client terminal, and the account opening server 105 can be accessed by a client terminal through a predetermined network means. In the case of providing a negative, a predetermined customer includes at least one of customer information, loan account attribute information and transaction setting information through the client terminal to open a negative loan account for operating a negative loan account for each specific transaction When providing the loan account application information, the account opening system for the operation of the negative loan account for each specific transaction based on the negative loan account application information including at least one of the customer information, loan account attribute information and transaction setting information Conduct to open and process negative loan accounts As a law, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawings 13a and 13b to transfer the negative loan account application information from the client terminal to the account opening server 105. Although various implementation methods for registering may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 13A and 13B.

For example, although the implementation method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the negative loan account application information and storing the electronic document in an electronic document repository, the process is intended to be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, the embodiment shown in FIGS. 13A and 13B is provided through a predetermined web page provided by the account opening server 105 to provide a user interface for the client terminal to input (or select) the negative loan account application information. Although illustrated as being provided, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the account opening server 105, and the present invention is not limited thereto.

In the following FIGS. 13A and 13B, the client terminal shown in FIG. 9 is referred to as a "terminal" for convenience, and the account opening server 105 shown in FIG. 9 is referred to as a "server" for convenience. The customer information, loan account attribute information, and transaction setting information transmitted to the account opening server 105 are referred to as "minus loan account application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 9 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, and operate a negative loan account for each specific transaction. When requesting a web page including a user interface for (w00), the server correspondingly inputs (or selects) the negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. Generate (or extract) a web page including a user interface for transmission to the server (w05), and And outputs through a network device transmits a web page including a user interface, the generated (or extracted) to the terminal (w10).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the minus loan account application information registration procedure, whereby the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) negative loan account application information including at least one or more customer information, loan account attribute information, and transaction setting information through a user interface included in the web page (w15).

If the terminal inputs (or selects) negative loan account application information including the customer information, loan account attribute information, and transaction setting information through the user interface (w20), the terminal receives the input through the communication channel. The customer information, the loan account attribute information, and the transaction setting information are transmitted to the server (w25).

According to an embodiment of the present invention, the terminal checks the validity of the negative loan account application information on the server in the negative loan account application information including at least one of the customer information, the loan account property information, and the transaction setting information. It is preferable to further include at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for minus loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. Public key-based encryption method, electronic envelope-based encryption method, key exchange-based encryption method, etc.), or attach a predetermined electronic signature to the negative loan account application information and transmit it to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC chip. (Or IC card), the IC chip (and It is equipped with a card reader for identifying the certificate provided in the IC card) it is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for minus loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. Public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, and the like, and transmit the encrypted data to the server through the network means. The IC chip (or IC) is provided with one or more encryption keys, or with a predetermined public certificate including at least one or more encryption keys, or when the public certificate is provided on a predetermined IC chip (or IC card). The card reader is provided for checking the certificate desirable.

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

Thereafter, the server receives and reads the customer information, the loan account attribute information, and the transaction setting information through the communication channel to check the validity of the negative loan account application information (w30).

According to an embodiment of the present invention, the negative loan account application information may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method). And the like, at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based information) corresponding to the encryption method. It is preferable to authenticate the validity of the received negative loan account application information by decrypting using a decryption method, or a key exchange based decryption method).

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

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

According to an embodiment of the present invention, if the negative loan account application information received through the information receiving unit 925 further includes a predetermined password for confirming the validity of the negative loan account application information, the server may be configured. It is preferable to authenticate the validity of the received negative loan account application information by comparing and authenticating a password included in the negative loan account application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the negative loan account application information received through the information receiving unit 925 further includes predetermined security card information for checking the validity of the negative loan account application information, the server provides the negative loan account. It is preferable to authenticate the validity of the received negative loan account application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the negative loan account application information received through the information receiving unit 925 further includes a predetermined OTP code for checking the validity of the negative loan account application information, the server requests the negative loan account application. The validity of the received negative loan account application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validity of the negative loan account application information is registered at least one or more ledger information matching the negative loan account application information in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking whether it is done.

For example, the validity of the negative loan account application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the negative loan account application information. It is preferable to include a check that matches the customer ledger stored in the D / B.

The verification of the validity of the negative loan account application information may include at least one or more items such as whether the customer is eligible to apply for the negative loan account by checking the creditworthiness of the customer applying for the negative loan account through the customer information. It is preferable to make it.

If the validity of the negative loan account application information is not authenticated (w35), the server generates a web page including predetermined financial account error information and transmits the generated web page to the terminal (w40). Do not do it.

On the other hand, if the validity of the negative loan account application information is authenticated (w35), the server includes predetermined document content including at least one or more customer information including the negative loan account application information, loan account attribute information, and transaction setting information. (W45), and generates a predetermined negative loan account electronic document containing the document content (w50).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and the document content is added to the negative loan account application information. After including at least one of the included customer information, loan account attribute information, and transaction setting information in a watermarking manner, a document file (eg, PDF (Portable Document Format) containing document content including the watermarking; A 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 an MHT), and the like. It is preferable to process the account electronic documents.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. It is preferable to process an image file including (eg, image content generated by capturing the document content on a memory) into a negative loan account electronic document for operating a specific loan minus account.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) includes at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in a watermarking manner. After the inclusion, it is preferable to process an image file including the image contents including the watermarking as a negative loan account electronic document for operating the specific loan minus account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), and the like, and process it as a negative loan account electronic document for operating a negative loan account for each specific transaction. Do.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) includes at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in a watermarking manner. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Create a word processor file, or a web document file containing MHT) It is preferable that the negative accounts, loan processing to electronic document for the particular transaction-specific minus loan account management.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) containing image content (e.g., image content generated by capturing the document content on a memory) and the negative loan account application information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT, etc. It is preferable to process the account electronic documents.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) includes at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in a watermarking manner. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or the like) that generates image content including an image content and includes the watermarking image content and the negative loan account application information; or Contains a word processor file or MHT containing at least one HWP / DOC, etc. By generating a web document file, etc.), it is preferable to process the negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Those skilled in the art to which the present invention pertains include technical features that the server generates a negative loan account electronic document in an image file format or a predetermined document file format, and an image corresponding to the negative loan account electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated negative loan account electronic document in a predetermined electronic document storage (w55).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 905 and an electronic document D / B 910 associated with a server on the account opening system through predetermined communication means. When provided, the server preferably transmits the generated negative loan account electronic document to the electronic document server 905 through the communication means and stores in the electronic document D / B (910).

Or, if the electronic document storage is provided on the DBMS provided in the account opening system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the account opening system the negative loan account It is possible to store in document D / B 910, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the negative loan account electronic document in the electronic document repository may be performed by linking the generated negative loan account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (910).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the negative loan account electronic document and the electronic document storage date and time information.

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the negative loan account application information, or financial institution information transmitting the negative loan account electronic document, or electronically). Document file format information, or the negative loan account application information).

If the negative loan account electronic document is stored in the electronic document repository (w60), the server receives the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information. Generate (w65).

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

Thereafter, the server opens a financial account of the customer's name including the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in connection with the financial system. Process (w70).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the negative loan account application information. Characterized by opening a predetermined financial account for the operation of the negative loan account for each transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information, and stores the negative loan account information in a predetermined storage medium 900 ( w75)

According to an exemplary embodiment of the present invention, when the storage medium 900 is provided in the server or on a network associated with the server, the server includes the customer information included in the received negative loan account application information. Preferably, the storage medium 900 stores negative loan account information including at least one loan account property information and transaction setting information.

According to another embodiment of the present invention, when the storage medium 900 is provided in the DBMS provided on the financial system, the server includes the customer information and the loan account attribute information included in the received negative loan account application information. It is preferable to provide the information of the negative loan account including at least one transaction setting information to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Subsequently, the server sets predetermined financial account opening history information (for example, the negative loan account opening history, or the history of storing the negative loan account electronic document in the electronic document repository, or the negative loan in the storage medium 900). Details of storing the account application information) are generated (or extracted) and transmitted to the terminal (w80).

According to one embodiment of the invention, the storage medium 900 is preferably provided in the DBMS on the financial system provided on the account opening system (or associated with the account opening system), wherein the storage medium 900 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 900 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account opening system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

14A, 14B, and 14C are diagrams illustrating a process of opening a negative loan account for operating a negative loan account for a specific transaction according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate the case where the account opening system shown in FIG. 9 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, on the account opening system shown in FIG. 9). In the case where the account opening server 105 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. The client terminal transmits a predetermined negative loan account application information to the internet banking server in order to open a negative loan account for operating a negative loan account for each specific transaction. Based on negative loan account application information that includes at least one information and transaction setting information As a method of opening and closing the negative loan account for the operation of the negative loan account for each specific transaction, those skilled in the art may refer to the drawings 14a, 14b, and 14c. Alternatively, it may be possible to infer various implementation methods of registering the negative loan account application information through other types of non-face-to-face financial transaction channels, but the present invention includes all the implementation methods inferred from the drawings 14a and the drawings. It is not limited to the implementation method shown in 14b and FIG. 14c.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 14A, 14B and 14C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering a negative loan account application information between the client terminal and the internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains The client terminal and the Internet are based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14A, 14B, and 14C. Banking It would be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of negative loan account application information between servers, but the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 14a, 14b and 14c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for registration of negative loan account application information, but the present invention may infer the telebanking system or It includes all kinds of non-face-to-face channel based financial transactions, including wireless banking system or TV banking system or future proposed non-face-to-face banking system, and the technical configuration of the present invention is shown in FIGS. 14a, 14b and 14c. It is by no means limited to Internet banking.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. Thus, the present invention is not limited thereto.

In the following figures 14a, 14b and 14c, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the account opening server 105 is referred to as " server "

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (x00a), the server may access the terminal and the server through the browser. (X05a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( x10a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated on the terminal (x15a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update (x20a).

If the terminal does not need to install or update the latest version of the security module for internet banking (x25a), or if the terminal does not need to load or update the security module for internet banking (x15a), the server is mounted on the terminal. By activating the security module for internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a secure channel) (x30a), where the security channel for internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server for registration of negative loan account application information in the terminal When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one or more encryption methods (or encryption algorithms), the terminal confirms the electronic signature or a predetermined one corresponding to the encryption method (or encryption algorithm). Means a communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of negative loan account application information in the terminal. Attach a signature or at least one password If the encryption is transmitted using an encryption method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) to a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (x35a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (x40a). The server (or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (x45a).

If the Internet banking customer authentication fails (x50a), the server blocks the Internet banking security channel for the terminal (x55a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication is successful (x50a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (x60a), where the Internet banking-based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined negative loan account application information for operating a negative loan account for a specific transaction from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for operating a negative loan account for each specific transaction to the server through an internet banking-based financial transaction channel (x00b), the server corresponds to the customer information. Generate (or extract) a web page including a user interface for inputting (or selecting) negative loan account application information including at least one loan account attribute information and transaction setting information and transmitting the same to the server (x05b), The web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (x10b).

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) negative loan account application information including at least one of customer information, loan account attribute information, and transaction setting information in the terminal. Preferably, or in order to verify the validity of the Internet banking customer requesting to register the negative loan account application information, a predetermined password or security card information (e.g., printed on the security card issued to the customer during the internet banking application process). Security card information) or OTP (One Time Password) (e.g., one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include a user interface.

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

Thereafter, the terminal inputs (or selects) negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information through the financial account opening interface (x15b).

If the terminal inputs (or selects) negative loan account application information including the customer information, loan account attribute information, and transaction setting information through the user interface (x20b), the terminal transmits the information through the financial transaction channel. The input (or selected) negative loan account application information is transmitted to the server (x25b).

According to an embodiment of the present invention, the terminal checks the validity of the negative loan account application information on the server in the negative loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for minus loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. Public key-based encryption method, electronic envelope-based encryption method, key exchange-based encryption method, etc.), or attach a predetermined electronic signature to the negative loan account application information and transmit it to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC chip. (Or IC card), the IC chip (and It is equipped with a card reader for identifying the certificate provided in the IC card) it is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method) for minus loan account application information including at least one of the customer information, loan account attribute information, and transaction setting information. Public key-based encryption method, electronic envelope-based encryption method, or key exchange-based encryption method, and the like, and transmit the encrypted data to the server through the network means. The IC chip (or IC) is provided with one or more encryption keys, or with a predetermined public certificate including at least one or more encryption keys, or when the public certificate is provided on a predetermined IC chip (or IC card). The card reader is provided for checking the certificate desirable.

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

Thereafter, the server receives and reads the negative loan account application information through the financial transaction channel to check the validity of the negative loan account application information (x30b).

According to an embodiment of the present invention, the negative loan account application information may include at least one encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The server may be configured to at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encrypted method. Method, or a key exchange based decryption method, etc.), it is desirable to authenticate the validity of the received negative loan account application information.

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

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

According to an embodiment of the present invention, if the negative loan account application information received through the information receiving unit 925 further includes a predetermined password for confirming the validity of the negative loan account application information, the server may be configured. It is preferable to authenticate the validity of the received negative loan account application information by comparing and authenticating a password included in the negative loan account application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the negative loan account application information received through the information receiving unit 925 further includes predetermined security card information for checking the validity of the negative loan account application information, the server provides the negative loan account. It is preferable to authenticate the validity of the received negative loan account application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the negative loan account application information received through the information receiving unit 925 further includes a predetermined OTP code for checking the validity of the negative loan account application information, the server requests the negative loan account application. The validity of the received negative loan account application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validity of the negative loan account application information is registered at least one or more ledger information matching the negative loan account application information in the ledger D / B on the financial system associated with the account opening system It is preferable to include checking whether it is done.

For example, the validity of the negative loan account application information may be determined by checking the customer information (customer information or member information, etc.) among the information included in the negative loan account application information. It is preferable to include a check that matches the customer ledger stored in the D / B.

The verification of the validity of the negative loan account application information may include at least one or more items such as whether the customer is eligible to apply for the negative loan account by checking the creditworthiness of the customer applying for the negative loan account through the customer information. It is preferable to make it.

If the validity of the negative loan account application information is not authenticated (x35b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (x40b), and opens the negative loan account. Do not perform the procedure.

On the other hand, if the validity of the negative loan account application information is authenticated (x35b), the server includes predetermined document content including at least one or more customer information including the negative loan account application information, loan account attribute information, and transaction setting information. (X45b), and generate a predetermined negative loan account electronic document including the document content (x50c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and the document content is added to the negative loan account application information. After including at least one of the included customer information, loan account attribute information and transaction setting information in a watermarking method, a document file (eg, PDF (Portable Document Format) containing document content including the watermarking; Negative loan for operating a specific loan account for each specific transaction)), 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 preferable to process the account electronic documents.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. It is preferable to process an image file including (eg, image content generated by capturing the document content on a memory) into a negative loan account electronic document for operating a specific loan minus account.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. (E.g., image content generated by capturing the document contents on a memory) watermarking method of at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information After including, it is preferable to process the image file containing the image content including the watermarking as a negative loan account electronic document for the operation of the negative loan account for each specific transaction.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), and the like, and process it as a negative loan account electronic document for operating a negative loan account for each specific transaction. Do.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. (E.g., image content generated by capturing the document contents on a memory) watermarking method of at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; By creating a word processor file including the above, or a web document file including the MHT) For example, it is preferable to process a negative loan account electronic document for operating a negative loan account for each specific transaction.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information. A predetermined document file (e.g., a Portable Document Format (PDF) file) containing image content (e.g., image content generated by capturing the document content on a memory) and the negative loan account application information; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT, etc. It is preferable to process the account electronic documents.

Alternatively, the server generates document content including at least one of customer information, loan account attribute information, and transaction setting information included in the received negative loan account application information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) includes at least one of customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) that generates an image content including an image content and includes the watermarking image content and the negative loan account application information. A word processor file or MHT containing at least one of / DOC, etc. By generating a web document file, etc.), it is preferable to process the negative loan account electronic document for the operation of the negative loan account for each specific transaction.

Those skilled in the art to which the present invention pertains include technical features that the server generates a negative loan account electronic document in an image file format or a predetermined document file format, and an image corresponding to the negative loan account electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated negative loan account electronic document in a predetermined electronic document storage box (x55c).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 905 and an electronic document D / B 910 associated with a server on the account opening system through predetermined communication means. When provided, the server preferably transmits the generated negative loan account electronic document to the electronic document server 905 through the communication means and stores in the electronic document D / B (910).

Or, if the electronic document storage is provided on the DBMS provided in the account opening system, the server is electronically corresponding to the electronic document storage on the DBMS provided in the account opening system the negative loan account It is possible to store in document D / B 910, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the negative loan account electronic document in the electronic document repository may be performed by linking the generated negative loan account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B (910).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the negative loan account electronic document and the electronic document storage date and time information.

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the negative loan account application information, or financial institution information transmitting the negative loan account electronic document, or electronically). Document file format information, or the negative loan account application information).

If the negative loan account electronic document is stored in the electronic document repository (x60c), the server stores the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information. Generate (x65c).

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

Thereafter, the server opens a financial account of the customer's name including the financial account information based on the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information in connection with the financial system. Process (x70c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the negative loan account application information. Characterized by opening a predetermined financial account for the operation of the negative loan account for each transaction.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates negative loan account information including at least one of the customer information, loan account attribute information, and transaction setting information included in the negative loan account application information, and stores the negative loan account information in a predetermined storage medium 900 ( x75c)

According to an exemplary embodiment of the present invention, when the storage medium 900 is provided in the server or on a network associated with the server, the server includes the customer information included in the received negative loan account application information. Preferably, the storage medium 900 stores negative loan account information including at least one loan account property information and transaction setting information.

According to another embodiment of the present invention, when the storage medium 900 is provided in the DBMS provided on the financial system, the server includes the customer information and the loan account attribute information included in the received negative loan account application information. It is preferable to provide the information of the negative loan account including at least one transaction setting information to the information system through the external system on the financial system to store in the DBMS provided on the financial system.

Subsequently, the server sets predetermined financial account opening history information (for example, the negative loan account opening history, or the history of storing the negative loan account electronic document in the electronic document repository, or the negative loan in the storage medium 900). Details of storing the account application information) are generated (or extracted) and transmitted to the terminal (x80c).

According to one embodiment of the invention, the storage medium 900 is preferably provided in the DBMS on the financial system provided on the account opening system (or associated with the account opening system), wherein the storage medium 900 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 900 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the account opening system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

15 is a diagram illustrating an account management system for operating a negative loan account for a specific transaction according to an embodiment of the present invention.

In more detail, FIG. 15 shows a negative loan account opened through the account opening system shown in FIGS. 2 and 9 from a predetermined financial transaction terminal based on negative loan account information stored in the storage medium 1500. When requesting a predetermined financial transaction for the loan account, the system configuration for determining whether the financial transaction processing through the transaction setting information included in the negative loan account information, and processing the financial transaction in accordance with the determination However, those skilled in the art to which the present invention pertains may refer to or modify this drawing 15 to infer various implementation methods for the account management system for operating the negative loan account for each specific transaction. The invention includes all implementation methods deduced above, the seal shown in FIG. The technical features are not limited only by the municipal method.

Referring to FIG. 15 according to an embodiment of the present invention, the account management system includes a financial system having a ledger corresponding to a negative loan account opened through the account opening system shown in FIGS. 2 and 9, and the minus sign. A storage medium 1500 for storing negative loan account information including at least one of customer information, account information, account attribute information, and transaction setting information corresponding to the negative loan account opened through the loan account application information; It is provided with an account management server 110 for operating the negative loan account in conjunction with the operation, and periodically checks the negative loan account information stored in the storage medium 1500 to achieve the operation of the negative loan account for each specific transaction It is characterized by.

Here, the storage medium 1500 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the account management server 110 is a ledger server provided in the financial system, or an account opening server on the account opening system shown in FIGS. 2 and 9, or the finance shown in FIGS. 2 and 9 Various banking servers (e.g., an internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) operating the negative loan account in connection with the system, or operate the negative loan account for each specific transaction. It may be a separate server provided to achieve, by which the present invention is not limited.

In addition, in FIG. 15, the account management server 110 functions to operate the negative loan account in association with the financial system, and periodically checks the negative loan account information stored in the storage medium 1500. Although illustrated including all the functional configuration to achieve a specific loan account operation for each specific transaction, the present invention is not limited by this, the account management server 110 is a separate server (or device) for each functional configuration It is clear that this can be achieved through:

The financial system is a general term for a computer system having a ledger corresponding to the negative loan account opened through the account opening system shown in FIGS. 2 and 9, and is basically a branch (or a branch) of the financial institution. Characterized in that it is connected through at least one or more window terminals provided through a predetermined financial network (for example, the bank network), and provides a face-to-face financial transaction service for at least one or more financial transaction customers through the window terminal.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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, Or IC chip to at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless data communication network. Provide financial transaction services based on face-to-face.

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 call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) 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 home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide 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 or more 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).

Referring to FIG. 15, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), 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.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

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

The storage medium 1500 may include customer information, account information, account attribute information, and transaction settings corresponding to the negative loan account opened through the negative loan account application information through the account opening system shown in FIGS. 2 and 9. As a generic term for a storage means for storing negative loan account information including at least one information, the storage medium 1500 is provided in the ledger D / B on the financial system, or the ledger D / B according to the intention of the skilled person It is possible to have a predetermined database associated with the system or be provided on at least one banking system.

According to the exemplary embodiment of the present invention, the negative loan account information includes customer information of opening the negative loan account through the account opening system shown in FIG. 2 or 9, account information corresponding to the negative loan account, and the account. At least one of attribute information, loan limit information on the negative loan account, interest rate (or interest rate) information applied to the negative loan, and at least one loan amount information on the negative loan account is preferably included.

The customer information includes personal information of the customer who opens a predetermined negative loan account through the account opening system shown in FIG. 2 or 9 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc. of the customer). ) And the member information of the customer (e.g., a member provided in the customer ledger provided on the financial system associated with the account opening system in response to the customer by the customer signing up as a financial transaction customer of the financial institution). ID information, or a CIF (Customer Information File) number or the like).

The account information is account information corresponding to the negative loan account opened through the account opening system shown in FIG. 2 or 9, wherein the account information includes at least an account number corresponding to the negative loan account, a borrower's name, and the like. It is preferable to include one or more.

Preferably, the account attribute information includes at least one loan limit information, interest rate (or interest rate) information, and loan amount information for the negative loan account opened through the account opening system shown in FIG. 2 or 9. Do.

Here, the loan limit information included in the account attribute information preferably includes at least one or more maximum limit amounts that the customer who applied for the negative loan account can borrow.

In addition, the interest rate (or interest rate) information included in the account attribute information is the interest rate (or interest rate) information according to the credit (or collateral, etc.) of the customer who opened the negative loan account and the interest rate according to the loan (or delinquency) period (Or interest rate) information and interest rate (or interest rate) information according to the loan amount (or delinquent amount) is preferably included at least one or more.

The loan amount information included in the account attribute information may include at least one or more amounts borrowed (or overdue) by the customer who opened the negative loan account.

The transaction setting information is information for setting up only a specific transaction or only a specific transaction when a customer who opens a negative loan account through the account opening system shown in FIG. 2 or 9 has a negative balance in the loan account. And when the balance of the negative loan account of the customer in the financial institution opening the negative loan account is negative, it is preferable to include at least one or more information to set only a specific transaction or only a specific transaction.

For example, the transaction setting information may indicate that if the customer who opened the negative loan account has a negative balance in the negative loan account, the negative loan of the customer may not be able to make a transaction such as cash withdrawal or bank transfer, Alternatively, it is possible to set a withdrawal for loan interest payment.

According to an embodiment of the present invention, the transaction setting information is an example in which a customer who opens the negative loan account registers, but the transaction setting information includes the negative loan account as well as the customer who opens the negative loan account. It can be arbitrarily set and registered in the financial institution opened to the customer, the present invention is not limited thereto.

Referring to FIG. 15, the account management server 110 operates at least one financial transaction terminal and the negative loan account to operate a negative loan account opened through the account opening system shown in FIGS. 2 and 9. An interface unit 1505 for connecting a communication channel for receiving the information, and an information receiver 1520 for receiving predetermined financial account usage information for operating the negative loan account from the financial transaction terminal in connection with the interface unit 1505; And a financial account manager 1510 operating the negative loan account in connection with the financial system based on the received financial account usage information. The financial account manager according to the intention of a person skilled in the art. 1510 may consist of at least two or more functional components (or means) in more detail, The present invention is not limited by this.

According to an embodiment of the present invention, when the financial transaction terminal is an employee terminal connected to a predetermined communication network (for example, a financial network), the interface unit 1505 is based on the protocol stack defined in the communication network. Communication interface for connecting to a predetermined communication channel and transmitting and receiving at least one information (or data) for operating the employee terminal and the negative loan account using a communication protocol defined in the financial transaction program provided in the employee terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 1505 is based on the protocol stack defined in the wired communication network. Communication between a predetermined communication channel and at least one information (or data) for operating the wired terminal and the negative loan account using a communication protocol defined in a financial transaction program provided in the financial transaction terminal. It is desirable to provide an interface.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the financial transaction terminal, the interface unit 1505 connects a communication channel with the financial transaction terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving a predetermined web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the negative loan account using the HTPP protocol defined in the browser program. To provide.

Alternatively, when the financial transaction terminal is provided with a predetermined financial transaction program directly interworking with the account management server 110, the interface unit 1505 communicates with the financial transaction terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for operating the negative loan account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1505 performs the financial transaction based on the protocol stack defined in the wireless communication network. A communication interface connects a predetermined communication channel with a terminal and transmits and receives at least one information (or data) for operating the negative loan account using a communication protocol defined in a financial transaction program provided in the financial transaction terminal. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the financial transaction terminal, the interface unit 1505 may be connected to the financial transaction terminal based on the CDMA / WCDMA protocol. Connect a communication channel and use a WAP / ME protocol defined in the browser program to designate a predetermined web page (e.g., a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) for operating the negative loan account; or Provides an interface for transmitting and receiving information (or data).

Alternatively, when the financial transaction terminal is provided with a predetermined financial transaction program directly interworking with the account management server 110, the interface unit 1505 communicates with the financial transaction terminal based on the CDMA / WCDMA protocol. And a communication interface for transmitting and receiving information (or data) for operating the negative loan account using a communication protocol defined in the financial transaction program.

The information receiving unit 1520 receives the predetermined financial account usage information for operating the negative loan account from the financial transaction terminal in connection with the interface unit 1505, and the received financial account usage information is The financial account manager 1510 is provided.

The financial account manager 1510 may perform various financial transaction procedures for the negative loan account in connection with the financial system based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the negative loan account, the financial account The management unit 1510 preferably performs a deposit transaction procedure for the negative loan account in connection with the financial system based on the financial account usage information, and transmits the deposit transaction details to the ledger corresponding to the negative loan account. It is desirable to record.

According to another embodiment of the present invention, withdrawal transaction request information (for example, deposit account information for depositing a predetermined withdrawal transaction amount and an amount withdrawn from the negative loan account) is included in the financial account use information. When included, the financial account manager 1510 may perform a withdrawal transaction (or transfer transaction) procedure for the negative loan account in connection with the financial system based on the financial account usage information. It is desirable to record the transaction details in the ledger corresponding to the negative loan account.

In addition, the financial account manager 1510 periodically checks the amount loaned to the negative loan account, and the loan amount according to the loan interest rate (or loan interest rate) corresponding to the negative loan account in the negative loan account. Calculate a loan interest (or loan interest) for the loan, withdraw the calculated loan interest (or loan interest) from the negative loan account, and withdraw the loan interest (or loan interest) It is desirable to record in the ledger corresponding to the account.

Those skilled in the art to which the present invention pertains, since they will be familiar with the method of calculating the loan interest rate corresponding to the loan interest, detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the account management server 110 may operate the negative loan account while the financial account manager 1510 operates the negative loan account in association with the financial system to manage a negative loan account for each specific transaction. An information receiving unit 1520 for receiving negative loan account usage information for requesting a transaction with a negative loan account, a financial account checking unit 1515 for checking a balance of the negative loan account in connection with the financial system, and the negative loan An information verification unit 1525 for checking whether the balance of the negative loan account is negative through the balance of the account, and confirming the attribute of the negative loan account transaction through the received negative loan account usage information; and if the negative loan If the balance of the account is negative, the information confirmed by the information checking unit 1525 in association with the storage medium 1500 The financial transaction approval unit 1530 that compares the attribute of the negative loan account transaction and transaction setting information included in the negative loan account information on the storage medium 1500 to determine whether to approve the negative loan account transaction for the negative loan account. And a financial account manager 1510 for operating a negative loan account transaction according to the information on whether the negative loan account transaction is confirmed in connection with the financial system, and the financial transaction processing details of the operated financial transaction. Characterized in that it comprises an information transmission unit 1535 for transmitting to the established customer.

The information receiving unit 1520 may receive negative loan account usage information for requesting a transaction to the negative loan account.

For example, the negative loan account usage information is all transaction information requested to the negative loan account, at least one of information for requesting cash withdrawal, account transfer, insurance payment, utility bill payment, fund payment, payment of deposit, payment of loan interest, etc. It is preferable to comprise as mentioned above.

According to an embodiment of the present invention, the means for transmitting the negative loan account usage information may be a wired or wireless terminal such as an ATM, a POS terminal, a PC or a mobile phone, or may be a direct facing means using a window. It is preferable to include all means which can use a loan account, and the present invention is not limited thereto.

When the information on the negative loan account is received by the information receiving unit 1520, the financial account checking unit 1515 may check the balance of the negative loan account in connection with the financial system.

The information checking unit 1525 checks whether the negative loan account balance is in a negative state through the negative loan account balance confirmed through the financial account checking unit 1515, and requests through the received negative loan account usage information. Characterized in that identifying the properties of the negative loan account transaction.

If the balance of the negative loan account is negative, the financial transaction approval unit 1530 may check the negative loan account transaction attribute and the storage medium 1500 in association with the storage medium 1500 and the information checking unit 1525. Comparing the transaction setting information of the phases and approving the requested negative loan account transaction.

For example, when the attribute of the requested negative loan account usage information is cash withdrawal, if the negative loan account is set to be impossible to withdraw cash from the stored transaction setting information on the storage medium 1500, the requested negative loan account If the property of the requested negative loan account usage information is a utility bill payment without approving a cash withdrawal, the negative loan account is set to allow utility bill payment in the stored transaction setting information on the storage medium 1500. Approving and processing the requested negative loan account utility bill.

The financial account manager 1510 may process the financial transaction approved by the financial transaction approval unit 1530 in connection with the financial system.

According to the implementation method of the present invention, the financial account manager 1510 preferably generates financial transaction processing information processed in connection with the financial system, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the financial account manager 1510 may include at least one financial document including an approval rejection (or disapproval) message for a financial transaction that is not approved by the financial transaction approval unit 1530. It is preferable to generate a transaction error message, and the present invention is not limited thereto.

The information transmitter 1535 transmits financial transaction processing information processed by the financial account manager 1510 to a customer who opens the negative loan account.

16 is a diagram illustrating a process of operating a negative loan account for a specific transaction according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates the use of negative loan account usage information for requesting a predetermined financial transaction to a negative loan account opened through the account opening system shown in FIGS. 2 and 9. The negative loan account operation server 110 checks the financial transaction attribute of the received negative loan account usage information, compares the identified financial transaction attribute with transaction setting information set when opening the negative loan account, and the request. It shows how to process financial transactions by determining whether the approved financial transaction is approved.

Those skilled in the art to which the present invention pertains may refer to various embodiments of the present invention to infer or modify the financial transaction in the negative account management server 110 by referring to or modifying the drawing 16. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the negative loan account operating server 110 shown in FIG. 15 is referred to as a “server” for convenience, and the negative loan account is referred to as an “account”.

Referring to FIG. 16, through the predetermined financial transaction terminal, the negative loan account usage information for requesting a predetermined financial transaction to the negative loan account opened through the account opening system shown in FIGS. 2 and 9 is transmitted to the server. If the 1600 (1600), the server receives the negative loan account usage information (1605), and checks the balance of the account in connection with the financial system (1610), the balance of the account through the confirmed balance is negative Check if it is (1615).

If the balance of the account is not negative (1620), the server processes the requested financial transaction (1645), and generates the processed financial transaction details information and transmits it to the customer who opened the account (1650). ).

On the other hand, if the balance of the account is negative (1620), the server checks the attribute of the requested financial transaction through the received negative loan account usage information (1625), in connection with the storage medium 1500 In operation 1630, the financial transaction attribute identified through the negative loan account usage information is compared with the transaction setting information on the storage medium 1500 to determine whether the financial transaction is approved.

If the requested financial transaction is an unapproved financial transaction (1635), the server generates a financial transaction error message including at least one content of the financial transaction rejection (or disapproval) to open the account. The client and the financial transaction terminal (1640).

On the other hand, if the requested financial transaction is an approved financial transaction (1635), the server processes the approved financial transaction in connection with the financial system (1645), and generates the processed financial transaction history information to the account Send to the established customer (1650).

According to an embodiment of the present invention, the set transaction setting information may be modified according to a request of a customer later, and thus the present invention is not limited thereto.

According to the present invention, if the account balance is negative, there is an advantage that the interest on the loan can be minimized by pre-charging unwanted transactions in advance.

In addition, the differentiated loan service has the advantage of improving customer satisfaction and attract new customers.

Claims (5)

Receiving negative transaction setting information for setting a non-tradable item or a tradable item from a customer terminal applying for a negative loan account if the balance of the account is negative; When the negative loan account is opened, storing the opened negative loan account information and the negative transaction setting information in association with each other and storing the negative loan account information in a storage medium; When the withdrawal (or transfer) transaction of the negative loan account, checking whether the balance of the negative loan account is negative; If the balance of the negative loan account is negative, comparing the withdrawal (or transfer) transaction item and the non-tradable item or tradeable item included in the negative transaction setting information stored in the storage medium; Stop the withdrawal (or transfer) transaction if the withdrawal (or transfer) transaction item matches a non-tradable item or withdraw the (or transfer) transaction if the withdrawal (or transfer) transaction item matches a transactionable item And performing a negative loan account operation method comprising: a. The method of claim 1, wherein the negative transaction setting information is Set when the negative loan account is opened by a customer who opens the negative loan account or by a financial institution that operates the negative loan account; or Method of operating a negative loan account, characterized in that it is changed periodically and set up after opening a negative loan account., A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for linking the negative loan account information opened to a customer and the negative transaction setting information for setting a non-tradeable item or a tradeable item when the account balance is negative and storing the negative loan account information in a storage medium; In the withdrawal (or transfer) transaction of the negative loan account, if the balance of the negative loan account is negative, the untradeable item or transaction that is included in the withdrawal (or transfer) transaction item and the negative transaction setting information stored in the storage medium. Means for comparing items; And a means for stopping or performing a withdrawal (or transfer) transaction of the negative loan account under the negative balance according to the comparison result. The method of claim 4, wherein If the balance of the account is negative, it is characterized in that it further comprises an account opening means for opening a negative loan account for which an untradeable item or a transactionable item is set.

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