KR20090081782A - System and Method for Opening High Interest Receiving Credit Goods by Using Intranet Banking - Google Patents

Abstract

A high-interest rate receive-only product new processing method using intranet banking, a system, and a program recording medium therefor are provided to realize activation of corporate work site banking, and to increase a subscription rate in a receive-only product. Receive-only product subscription request information is received from a corporate employee terminal(165) accessing through intranet banking. The received subscription request information is associated with corporate employee information, and the associated information is stored in a storage medium(160). In association with a financial company window terminal, information on an employee who provides the subscription request information through the intranet banking is confirmed. A high-interest rate receive-only product corresponding to the subscription request information is newly processed.

Description

System and Method for Opening High Interest Receiving Credit Goods by Using Intranet Banking}

1 is a diagram illustrating an intranet banking system for new processing of a receive-only product according to an embodiment of the present invention.

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

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

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

5 is a diagram illustrating an intranet member authentication process for receiving-only product new processing using an intranet according to an exemplary embodiment of the present invention.

6 is a diagram illustrating an intranet member authentication process for receiving-only product new processing using an intranet according to another exemplary embodiment of the present invention.

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

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

9 is a diagram illustrating a real name verification process for an online account opened corresponding to a reception-only product according to an embodiment of the present invention.

<Description of main parts of drawing>

100: intranet server 105: banking operation

110: employee certification unit 120: intranet operation unit

125: intranet banking server 130: interface unit

135: information receiving unit 140: customer authentication unit

150: information relay unit 155: information storage unit

160: storage medium 165: employee terminal

170: intranet banking module 175: information processing server

180: information receiving unit 185: Gasingyu establishment

190: virtual account processing unit 195: Ga Shin-kyu management unit

197: real name confirmation unit 199: new product processing unit

The present invention

gold

The problem of the present invention for solving the above problems

In accordance with an aspect of the present invention, there is provided a method for processing a new high-interest rate receiving-only product using intranet banking, the method comprising: receiving reception-only product subscription request information from a corporate employee terminal connected through intranet banking; Storing and storing the company employee information in a storage medium; and checking the employee information (or real name information) of the employee who provided the subscription-only product subscription request information through the intranet banking in connection with the financial company counter terminal; When the employee information (or real name information) of the employee is confirmed, characterized in that it comprises the step of newly processing the high-interest receive-only products corresponding to the receive-only product subscription request information.

On the other hand, the high interest rate receive-only product new processing method using intranet banking according to the present invention, receiving the receive-only product entry request information from the corporate employee terminal connected through the intranet banking, the received receive-only product subscription request Storing information in the storage medium by linking the information with the employee information of the company, and temporarily processing the receive-only product in the name of the employee, and providing the request-only product subscription request information through the intranet banking in connection with the financial company counter terminal. Checking the employee information (or real name information) of an employee, and if the employee information (or real name information) that provided the subscription-only product subscription request information through the intranet banking is confirmed, the received interest-only processing of the high interest rate Characterized in that it comprises the step of newly processing the product.

On the other hand, high interest rate receive-only product new processing system using intranet banking according to the present invention, by receiving the product-only product subscription request information received from the corporate employee terminal connected through intranet banking and stored in the storage medium by processing Means for checking the employee information (or real name information) of the employee who provided the reception-only product subscription request information through the intranet banking, and the employee for which the employee information (or the real name information) was confirmed. It is characterized by including a means for new processing.

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 thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating an intranet banking system for new processing of a receive-only product according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a reception-only product (for example, a high interest rate required account product, a special deposit account product, a swing account product, etc.) from a predetermined corporate employee terminal 165 to an intranet banking server 125 through a predetermined network means. When the employee information and the reception-only product subscription request information for the new processing are provided, the intranet banking server 125 includes the employee information and the reception-only product subscription request information provided from the employee terminal 165 in a predetermined financial institution. By providing to a predetermined information processing server 175, the information processing server 175 is a system configuration for opening a reception-only product corresponding to the employee information and reception-only product subscription request information, specifically, the reception-only The mother account of a product operated by a predetermined financial institution (for example, a financial institution operating the intranet banking server 125) A view showing the intranet banking system configured to open a virtual account to form a receive-only products that.

Persons of ordinary skill in the art to which the present invention pertains can refer to or modify this drawing 1 and use various forms for new processing in addition to a virtual account type receive-only product having a real account operated by the financial institution as a parent account. Although an implementation method for a system for registering a reception-only product may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an intranet banking system that registers a receive-only product in the form of a virtual account having a real account operated by the financial institution as a parent account, is an enterprise intranet used by at least one corporate employee. The registration of the reception-only product (or establishment) is performed through the intranet and the intranet without verification of real name (e.g., financial real name verification by the Act on Real-name Financial Transactions and Confidentiality and Concurrent Enforcement Decree (Presidential Decree No. 15744)). An employee terminal 165 that requests and provides predetermined reception-only product subscription request information and employee information corresponding to the reception-only product registration (or establishment) to the intranet banking server 125, and the employee terminal 165. And connected via an intranet and receives the reception-only product subscription request information and employee information from the employee terminal 165, the received number An intranet banking server 125 that provides new product subscription request information and employee information to an information processing server 175 provided at a predetermined financial institution, and is connected to the intranet banking server 125 through a predetermined communication means. Receiving the reception-only product subscription request information and employee information from the intranet banking server 125, and responds to the reception-only product subscription request information in the name of the employee based on the received reception-only product subscription request information and employee information And an information processing server 175 for processing and opening a reception-only product as a new provision, and a financial system for operating the reception-only product processed as the provisional provision.

Here, the financial system may be provided to a financial institution to open at least one financial account for at least one financial transaction customer (eg, corporate employee, etc.) and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, support for branch information, and customer information management Interconnection between the financial 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, telebanking, TV banking, etc.) Or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system is configured in the financial system. An interface module corresponding to a middleware platform that provides inter-element interfacing, and predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real name gold corresponding to the concurrent decree (Presidential Decree No. 15744) It is treated effectively in if the account.

According to the implementation method of the present invention, the financial system according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) equipped with the financial system and the purpose and characteristics of the financial system, At least one or more components such as foreign exchange module (not shown), investment finance module (not shown), and international module (not shown) may be further included. If the pendulum will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial system provided in the financial institution is connected to at least one or more window terminals provided at a branch (or branch) of the financial institution through a predetermined financial network (for example, a branch network). It is characterized in that, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may 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 associated with a predetermined Internet banking server (or intranet banking server 125), and through the Internet banking server (or intranet banking server 125) to the TCP / IP-based backbone network Personal computer equipped with at least one client terminal (e.g., the wired Internet access and browsing function) connected to a connected network (e.g., wired Internet, IEEE 802.11x based wireless LAN, or IEEE 802.16x based portable internet, etc.) A non-face-to-face financial transaction service to at least one financial transaction employee through a PC) or a laptop, a laptop or a mobile terminal equipped with the wireless LAN / portable Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server (or intranet banking server 125), and through a wireless banking server (or intranet banking server 125) a predetermined wireless network (for example, At least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a CDMA-based mobile communication network, an IEEE 802.16x-based mobile Internet, or a DataTAC / Mobitex-based wireless data communication network is provided. Non-face-to-face contact with at least one financial transaction employee through an equipped Personal Communication System (PCS) or Global System for Mobile (GSM) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics) Financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server (or intranet banking server 125), the predetermined through the IC chip-based wireless banking server (or intranet banking server 125). At least one wireless terminal (e.g., a financial IC chip) connected to a wireless network (e.g., a code division multiple access (CDMA) based mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communication network) The on-board wireless terminal) provides IC chip based non-face-to-face financial transaction service to at least one financial transaction employee.

According to the present invention, an employee who registers (applies) a predetermined reception-only product through an online channel (for example, an intranet) may include at least one employee terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. The intranet banking server 125 is connected to the intranet banking server 125 through various application services provided by the intranet banking server 125.

Here, the employee terminal 165 is connected to the intranet server 100 through an intranet, which is a dedicated computer network in a company including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, and at least one intranet service ( For example, at least one or more of a desktop computer or a notebook computer for executing e-mail, electronic payment, banking, reception-only product application, etc.).

In addition, the employee terminal 165 accesses the intranet server 100 through an intranet, which is a dedicated computer network in a company including an IEEE 802.16x based wireless communication network, and provides at least one intranet service (eg, e-mail, electronic payment, Banking, reception-only product application, etc.) is characterized in that it comprises at least one or more portable Internet terminals.

In addition, the employee terminal 165 connects to the intranet server 100 through an intranet, which is an in-house dedicated computer network including an IEEE 802.11x based wireless communication network, to provide at least one intranet service (eg, e-mail, electronic payment, Banking, reception-only product application, etc.) characterized in that it comprises at least one or more wireless LAN terminals.

According to an exemplary embodiment of the present invention, the employee terminal 165 accesses the intranet server 100 and inputs reception-only product subscription request information for the reception-only product application from the intranet server 100 (or May be provided with a predetermined user interface.

According to the exemplary embodiment of the present invention, the user interface for receiving (or selecting) predetermined reception-only product subscription request information from the employee terminal 165 may include at least one reception-only product (or financial product). It is preferred to include an interface for selecting at least one receive-only product (or financial product) to apply (or purchase).

The user interface for receiving (or selecting) the reception-only product subscription request information when the reception-only product corresponding to the reception-only product subscription request information is an unpaid account product, a specially-determined deposit product or a swing account, And outputting the reception-only product details such as the name of the product and the interest rate information corresponding to the reception-only product to the employee terminal 165, and confirming that the employee confirms the reception-only product details. Preferably, or if the reception-only product corresponding to the reception-only product subscription request information is a financial investment product, the user interface for receiving (or selecting) the reception-only product subscription request information, the reception-only product Received name and investment period and expected return information corresponding to the To output the same receive-only product details to the staff terminal 165, and obtained by the employees to include an interface to ensure that the check for the receive-only product details are preferred.

In addition, the user interface for receiving (or selecting) the reception-only product subscription request information, the employee terminal 165 outputs the terms and conditions information corresponding to the reception-only products, the employee agrees to the terms and conditions It is preferable to comprise a.

The user interface for receiving (or selecting) the reception-only product subscription request information may include an interface for inputting an amount for the employee to deposit (or invest) into an online account corresponding to the reception-only product, and the amount. And an interface for inputting predetermined financial account information (e.g., original account information for depositing a predetermined amount of money into the online account) deposited into the online account.

In addition, the user interface for receiving (or selecting) the reception-only product subscription request information may include employee personal information (eg, customer name, resident registration number, telephone number, mobile phone number, address) for the employee applying for the reception-only product. , An e-mail address, etc.) or an interface for inputting (or selecting) the employee member information (eg, customer ID information and password information) provided in the intranet banking server 125. It is preferable.

According to the exemplary embodiment of the present invention, the user interface for inputting (or selecting) the reception-only product subscription request information may include an account password for an online account corresponding to the reception-only product subscription request information, or through the online account. It is preferable to further include an interface for inputting (or selecting) online account security information (receive-only product security information) including at least one financial transaction password or the like for processing at least one or more non-face-to-face financial transactions.

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

When an interface for inputting (or selecting) at least one online account security information is provided in the employee terminal 165, the employee terminal 165 may input (or select) online account security information through the interface. After that, the input (or selected) the online account security information is transmitted to the intranet banking server 125 through the intranet, or the online account security information is further included in the reception-only product subscription request information. It can transmit to the intranet banking server 125 via the means.

If the reception-only product subscription request information includes the online account security information, to secure confidentiality, authentication, integrity, and nonrepudiation of the online account security information. The online account security information (or the reception-only product subscription request information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the intranet banking server 125.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the reception-only product subscription request information may be configured until the online account name for the online account corresponding to the reception-only product subscription request information is confirmed. The provisions of the provisions of provisional provisions and provisional provisional processing period information (e.g., the period in which the online account is processed as a provisional provision before the financial real name verification of the online account) is specified. And a new provision processing consent information for which the employee agrees to the new provision terms and conditions information and the new provision processing period information, or the employee applies for a new provision processing for the online account corresponding to the reception-only product. It is preferable to further include an interface for inputting (or selecting) application information.

If the provisional provisional terms information and provisional provisional processing period information is included in the provisional information corresponding to the reception-only product, the provisional provisional provisional information and provisional provisional processing period information are output from the employee terminal 165, The interface for confirming consent for this may be omitted.

When the employee terminal 165 is provided with an interface for inputting (or selecting) the provisional provision processing consent information (or provisional provision application information), the employee terminal 165 provides the provisional provision processing consent information through the interface. After inputting (or selecting) provisional information (or provisional application information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the intranet banking server 125 through the network means. Alternatively, or further including the provisional processing agreement information (or provisional application information) in the reception-only product subscription request information is transmitted to the intranet banking server 125 via the intranet.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the reception-only product subscription request information may include a real account for operating an online account corresponding to the reception-only product subscription request information at the financial institution. Inputting (or selecting) virtual account processing institution information including parent account operating institution information including at least one financial institution and mother account information corresponding to a real account operated by the mother account operating institution in order to open a virtual account; It is preferable that the interface further comprises a).

When the employee terminal 165 is provided with an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information, the employee terminal 165 processes the virtual account through the interface. After inputting (or selecting) information, the input (or selection) of the virtual account processing information is transmitted to the intranet banking server 125 through the network means, or the virtual account in the reception-only product subscription request information. Further including the processing information is transmitted to the intranet banking server 125 via the network means.

In addition, if the employee applying for the reception-only product is not a conventional financial transaction member for a financial institution corresponding to the reception-only product (for example, at least one customer account corresponding to the reception-only product application employee at the financial institution). Is not established, or if the reception-only product application employee has no history of financial transactions with the financial institution), the user interface for inputting (or selecting) the reception-only product subscription request information may include: It may include information on the financial transaction application terms and conditions for processing the first financial transaction with the institution, and preferably further comprises an interface for confirming that the employee has agreed to the financial transaction application terms, the employee of the financial institution If you are a financial transaction customer, the above interface may be omitted. The interface may be included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below according to the intention of the person skilled in the art.

If the financial transaction application terms are included in the terms and conditions information corresponding to the reception-only product, or if the financial transaction application is processed in the real name verification process for the reception-only product, the employee sends the financial transaction to the financial institution. The interface for applying for it is possible to be omitted, thereby the present invention is not limited.

If the employee terminal 165 is provided with an interface for inputting (or selecting) the financial transaction application information, the employee terminal 165 after inputting (or selecting) the financial transaction application information through the interface, Sending the input (or selected) financial transaction application information to the intranet banking server 125 through the network means, or further includes the financial transaction application information (not shown) in the reception-only product subscription request information; The intranet banking server 125 is transmitted to the intranet banking server 125 through the network means. In FIG. 1, the financial transaction application information is included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below for convenience. It demonstrates and demonstrates.

According to the present invention, the employee terminal 165 is a predetermined intranet banking module interworking with the intranet server 100 for a non-face-to-face intranet banking service for the employee financial transaction (eg, application for receive-only products, etc.). Characterized in that it comprises a 170, the intranet banking module 170 in connection with the user interface transmitted from the intranet server 100 for the non-executive financial transactions (e.g., receive-only product application, etc.) It provides a face to face intranet banking service.

According to an embodiment of the present invention, the intranet banking module 170 encrypts the reception-only product subscription request information transmitted from the employee terminal 165 to the intranet banking server 125 for the application for the reception-only product. Or an encryption processing function for decrypting the reception-only product subscription request response information received from the intranet banking server 125.

In addition, the intranet banking module 170 attaches an electronic signature to the reception-only product subscription request information transmitted from the employee terminal 165 to the intranet banking server 125 for the reception-only product application, or the intranet. It is preferable to include an electronic signature function for confirming the electronic signature attached to the reception-only product subscription request response information received from the banking server 125.

In addition, the intranet banking module 170 generates at least one OTP code included in the reception-only product subscription request information transmitted from the employee terminal 165 to the intranet banking server 125 for the reception-only product application. It is preferable to include the function to make.

In addition, the intranet banking module 170 may include an official certificate function for providing the encryption processing function or the electronic signature function, or may be provided in a memory (eg, the employee terminal 165) for storing the public certificate. Memory, or a memory provided in an IC (Integrated Circuit) chip that is read through a predetermined card reader provided in the employee terminal 165).

The intranet server 100 is a predetermined employee information D / B for employee authentication to provide at least one or more intranet services (eg, receive-only product application, etc.) through the employee terminal 165, and the employee information D It is characterized in that it comprises an employee authentication unit 110 for authenticating the employee based on the employee account information received from the employee terminal 165 performing the intranet banking service in connection with / B.

According to an embodiment of the present invention, the employee information stored in the employee information D / B includes intranet account information (eg, intranet ID information and intranet password) registered by the employee in the intranet server 100, and the employee information. It is desirable to include at least one or more of the predetermined employee personal information.

The employee information stored in the employee information D / B may further include intranet banking subscription information for checking whether the employee has subscribed to a banking service provided by a financial institution associated with the company.

According to an embodiment of the present invention, if the intranet account information including the intranet ID information and the intranet password is received from the employee terminal 165 accessing the intranet server 100 to perform intranet banking, the employee authentication unit The 110 compares the intranet account information with the intranet account information provided in the employee information D / B so that an employee corresponding to the intranet account information provides at least one intranet service (eg, a subscription-only product application). It is desirable to certify that you are a valid employee.

According to the implementation method of the present invention, the employee authentication unit 110, the employee authentication process for comparing the intranet account information provided in the employee information D / B and the intranet account information received from the employee terminal 165, Preferably, the employee terminal 165 logs in to the intranet server 100, and at least one non-face-to-face intranet banking (eg, through the intranet server 100 in the employee terminal 165). When receiving a request for a receive-only product, etc.), it is preferable to repeatedly perform the request in response to the intranet banking request.

In addition, the intranet server 100, if the employee authentication through the employee authentication unit 110 is successful, the e-mail, electronic payment, banking, reception through at least one or more employee terminal 165 that the employee authentication is successful Intranet operation unit 120 for operating to provide an intranet service including at least one or more applications for exclusive products, characterized in that it is made.

If one of ordinary skill in the art to which the present invention pertains, the intranet operation unit 120 at least one or more e-mail, electronic payment, banking, reception-only products, etc. through at least one or more employee terminal 165 You will be familiar with the technical features of operating to provide intranet services, including the detailed description thereof will be omitted for convenience.

Referring to FIG. 1, the intranet server 100 connects to the intranet banking server 125 through a predetermined communication means and uses a corporate employee financial transaction service (eg, a reception-only product application service) using the company information and employee information. Etc.) is provided with a banking operation unit 105 to provide.

The banking management unit 105, if the employee authentication through the employee authentication unit 110 is successful, the employee account information of the employee (e.g., employee number (or code) of the employee in the employee information D / B Information, information stored in an employee card owned by the corporate employee, official certificate information of the corporate employee customer, a user account (ID) of the corporate employee registered with the company (eg, a company server, etc.); Member information including a password, social security number information, employee name information, driver's license number information, insurance number information, fingerprint, hand shape, iris, voice, face, signature, retina of the corporate employee Biometric information including at least one or more of one or more of a vein, DNA (Deoxyribo Nucleic Acid), and a telephone number or terminal for a wireless terminal owned by the corporate employee. Wireless terminal information including a serial number, an IC chip mounted on or detached from a wireless terminal owned by the corporate employee or customer-specific information owned and stored on the IC chip owned by the corporate employee, and owned by the corporate employee Information including at least one serial number or unique code information of an IC card) to check whether the user has subscribed to an intranet banking service provided by the financial system provided at a financial institution affiliated with the company. When it is confirmed that the employee subscribes to the intranet banking service, the banking manager 105 activates an intranet banking function through the employee terminal 165 in connection with the intranet manager 120. It is done.

For example, when a predetermined intranet banking icon or an intranet banking menu is provided in a predetermined user interface provided to the employee terminal 165, the banking operation unit 105 is connected to the intranet operation unit 120. It is preferable to activate the intranet banking icon or the intranet banking menu on the employee terminal 165.

In addition, the banking operation unit 105 is an employee authentication performed when the employee authentication through the employee authentication unit 110 is successful (for example, when logging in to the intranet server 100 from the employee terminal 165). If this is successful, or if the employee authentication performed when at least one non-face-to-face intranet banking request is successful through the employee terminal 165), the intranet banking server to the employee authentication result through a predetermined communication means It characterized in that the transmission to (125).

Here, the employee certification result, the employee number (or code) information of the corporate employee, information stored in the employee card owned by the corporate employee, the official certificate information of the corporate employee customer, and the company (eg, Member information including a user account (ID) and a password of the corporate employee registered in the company server, etc.), social security number information, employee name information, driver's license number information, insurance number information, Biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein, DNA (Deoxyribo Nucleic Acid) of a company employee, and a telephone number for a wireless terminal owned by the company employee Or an IC chip mounted on or detached from a wireless terminal information including a terminal serial number and a wireless terminal owned by the company employee; And at least one customer's unique information owned by the corporate employee and stored in the IC chip, and at least one serial number or unique code information of the IC card owned by the corporate employee's customer.

Referring to FIG. 1, when the intranet banking server 125 requests to subscribe to a reception-only product of the employee based on the employee authentication result received from the banking operation unit 105 provided in the intranet server 100, The reception-only product subscription request employee information and the reception-only product subscription request information is provided to the information processing server 175, based on the reception-only product subscription request information and employee information, the employee-only product subscription request in the name of the employee It is characterized in that the reception-only product corresponding to the information to be opened by processing as a new provision.

According to the method of the present invention, the intranet banking server 125 is communicatively connected to the banking operation unit 105 provided in the intranet server 100 through a predetermined communication means, or through the predetermined network means. Intranet banking module 170 provided in the employee terminal 165, characterized in that it comprises an interface unit 130 for communication connection.

The interface unit 130 may include a banking operation unit provided in the intranet server 100 through a communication means including at least one of a dedicated communication network or a secure communication network (for example, a wired / wireless communication network based on an encryption / decryption function). 105) and the communication channel for receiving a predetermined employee authentication result.

Those skilled in the art to which the present invention pertains, the interface unit 130 is a communication channel for receiving a predetermined employee authentication result with the banking operation unit 105 provided in the intranet server 100 Since you will be familiar with the technical features of connection and management, a detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, when the banking operation unit 105 encrypts and transmits the employee authentication result using at least one encryption method, the interface unit 130 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted employee authentication result.

Alternatively, when the banking operation unit 105 transmits an electronic signature attached to the employee authentication result, the interface unit 130 may further include a function of checking the electronic signature attached to the employee authentication result. Do.

Alternatively, when the banking operation unit 105 includes a predetermined OTP code included in the employee authentication result, the interface unit 130 further includes a function of checking the OTP code included in the employee authentication result. It is preferable to make.

In addition, the interface unit 130 may include at least one non-face-to-face financial transaction (eg, a subscription-only product subscription) requested by the employee terminal 165 from the intranet server 100 through a network means including at least one wired or wireless communication network. Requesting information for subscription-only product subscription request for the request or the like, or connecting the financial transaction channel for transmitting the subscription-only product subscription request response information corresponding to the request-only product subscription request information to the intranet server 100; Manage.

Those skilled in the art to which the present invention pertains, the interface unit 130 receives only from the intranet server 100 for at least one non-face-to-face financial transaction (for example, subscription application subscription, etc.) Familiarity with the technical features of connecting and managing a financial transaction channel for receiving product subscription request information or for transmitting the reception-only product subscription request response information corresponding to the reception-only product subscription request information to the intranet server 100. Since it will be, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the employee terminal 165 encrypts and transmits the reception-only product subscription request information through at least one encryption method through the intranet server 100, the interface unit 130 Preferably, the method further includes a function of decrypting the encrypted reception-only product subscription request information through a decryption method corresponding to the encryption method.

Alternatively, when the employee terminal 165 transmits an electronic signature to the reception-only product subscription request information through the intranet server 100, the interface unit 130 is attached to the reception-only product subscription request information. It is preferable that the digital signature further comprises a function.

Alternatively, when the employee terminal 165 transmits the reception-only product subscription request information to the reception-only product subscription request information via the intranet server 100, the interface unit 130 receives the reception-only product subscription request information. It is preferable to further comprise a function for identifying the included OTP code.

According to another embodiment of the present invention, at least one or more encryption of financial transaction response information corresponding to the reception-only product subscription request information from the intranet banking server 125 to the employee terminal 165 through the intranet server 100. In the case of transmitting by encrypting in a manner, the interface unit 130 preferably further includes a function of encrypting the reception-only product subscription request response information by a predetermined encryption method.

Alternatively, when the intranet banking server 125 transmits an electronic signature to the reception-only product subscription request response information corresponding to the reception-only product subscription request information from the intranet server 100 to the employee terminal 165 through the intranet server 100. The interface unit 130 may further include a function of attaching an electronic signature to the reception-only product subscription request response information.

Referring to FIG. 1, the intranet banking server 125 includes an information receiver 135 for receiving a predetermined employee authentication result from the intranet server 100 through the communication means in association with the interface unit 130. It is characterized by consisting of.

In addition, the information receiving unit 135 performs intranet banking customer authentication for the financial transaction (for example, a subscription application for subscription only) from the employee terminal 165 through the network means in association with the interface unit 130. Characterized in that for receiving the predetermined non-face-to-face financial transaction authentication information.

Here, the non-face-to-face financial transaction authentication information is intranet banking ID / PW information, non-face-to-face authentication for non-face-to-face financial transactions (eg, application for subscription-only products, etc.) using the company information and employee information. At least one predetermined security card information issued to the intranet banking customer for a financial transaction, or at least one OTP code generated through the OTP generator provided to the intranet banking customer for a non-face-to-face financial transaction.

In addition, the non-face-to-face financial transaction authentication information, the employee number (or code) information of the company employee, information stored in the employee card owned by the company employee, the official certificate information of the company employee customer, and the company (E.g., member information including a user account (ID) and password of a corporate employee registered in a company (intranet) server, etc.), social security number information of the corporate employee, employee name information, driver's license number information, Insurance number information, biometric information including at least one of fingerprint, hand shape, iris, voice, face, signature, retina, vein shape and DNA (Deoxyribo Nucleic Acid) of the corporate employee, The wireless terminal information including the telephone number or the terminal serial number for the wireless terminal and the wireless terminal owned or owned by the company employee. Detachable IC chip or customer owned information stored in the IC chip owned by the company employee, and the IC card is owned by the company employee customer, characterized in that it comprises at least one or more serial number or unique code information.

According to an embodiment of the present invention, the non-face-to-face financial transaction authentication information is received (included or applied) in the reception-only product subscription request information received from the employee terminal 165 through the intranet server 100. Do.

In addition, the information receiving unit 135 is characterized in that for receiving the reception-only product subscription request information from the employee terminal 165 through the network means in connection with the interface unit 130.

According to an embodiment of the present invention, the reception-only product subscription request information includes employee account information corresponding to the employee (or predetermined unique information (or unique code) assigned to identify the intranet banking customer) and the like. Characterized in that it comprises at least one employee linked account information for non-face-to-face intranet banking, the reception-only product subscription request information by the intranet banking module 170 provided in the employee terminal 165 Certain digital signatures can be attached or encrypted.

According to an exemplary embodiment of the present invention, the at least one receive-only product subscription request information input (or selected) through the receive-only product subscription request employee user interface is a subscription-only receive-only product name and a receive-only product unique code. (Or a unique product number) and the like may be made.

The intranet banking server 125 includes a customer authentication unit 140 for authenticating the validity of the intranet banking customer through non-face-to-face financial transaction authentication information received from the employee terminal 165 through the information receiver 135. Characterized in that made.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined reception-only product subscription request information, the customer authentication unit 140 is included in the reception-only product subscription request information ( Or applying) non-face-to-face financial transaction authentication information to secure confidentiality, authentication, integrity, and nonrepudiation of non-face-to-face financial transactions corresponding to the subscription-only product subscription request information. Characterized in that.

When non-face-to-face financial transaction authentication information including intranet banking ID / PW information is received through the information receiver 135, the customer authentication unit 140 receives the received intranet banking ID / PW information and the storage medium. By comparing the intranet banking ID / PW information included in the employee information stored in the 160, the intranet banking customer's validity or confidentiality of non-face-to-face financial transactions corresponding to the reception-only product subscription request information, It is characterized by ensuring authentication, integrity and nonrepudiation.

In addition, the information encrypted through the at least one encryption key (eg, symmetric key, public key, private key, etc.) provided in the official certificate provided in the employee terminal 165 through the information receiving unit 135 When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 140 decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is characterized by securing the confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transactions corresponding to the validity of the intranet banking customer or the reception-only product subscription request information.

In addition, when the non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the intranet banking employee is received through the information receiving unit 135, the customer authentication unit 140 receives the reception. The non-face-to-face financial transaction corresponding to the validation of the intranet banking customer or the reception-only product subscription request information by comparing the secured card information with the secured card information included in the customer information stored in the storage medium 160. To ensure confidentiality, authentication, integrity and nonrepudiation.

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the intranet banking customer is received through the information receiving unit 135, the customer authentication unit 140 stores the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored in 160 and comparing the generated OTP code with the received OTP code, thereby validating the intranet banking customer; or It is characterized in that the confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transactions corresponding to the reception-only product subscription request information.

Referring to FIG. 1, the illustrated intranet banking server 125 may be configured to transfer the received receive-only product subscription request information and employee information (or receive-only product subscription request information including employee information) through a predetermined communication means. It is characterized in that it comprises an information relay unit 150 provided to the information processing server 175 provided in the.

In addition, the intranet banking server 125 for the post management of the reception-only product subscription request information and employee information (or reception-only product subscription request information including employee information) received through the information receiving unit 135, The reception-only product subscription request information and employee information (or reception-only product subscription request information including employee information) received from the employee terminal 165 through the information receiving unit 135, or the reception-only product Receive-only product subscription information including at least one or more reception-only product information generated by the information processing server 175 based on the subscription request information and employee information (or reception-only product subscription request information including employee information); It further comprises an information storage unit 155 for storing in a predetermined storage medium 160, wherein the reception For product subscription information is received only product security information received from the employee terminal 165, the new provision processing agreement information (or new provision application information), virtual account processing information, non-face-to-face financial transaction agreement information (or non-face-to-face financial transactions) Application information) and the like.

When the employee terminal 165 inputs (or selects) predetermined reception-only product subscription request information through the user interface and transmits the information through the network means, the information receiver 135 interworks with the interface 130. The reception-only product subscription request information is received, and the received reception-only product subscription request information is provided to the information relay unit 150 or the information storage unit 155.

Here, the reception-only product subscription request information may include at least one reception-only item that the employee applies (or purchases) among the plurality of reception-only products (eg, high interest rate required account products, specially determined deposit products, swing account products, etc.). It is preferable that the reception-only product selection information for selecting a product, the terms and conditions agreement information corresponding to the reception-only product, and at least one online account deposit amount information corresponding to the reception-only product are included.

In addition, the employee terminal 165 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the online terminal security information (or And receiving only product security information) included in the reception-only product subscription request information, the information receiving unit 135 is connected with the interface unit 130 to receive the online account security information. The received online account security information is provided to the information relay unit 150 or the information storage unit 155.

In addition, the employee terminal 165 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the network means, or the employee terminal 165. In the case of transmitting the provisional processing agreement information (or provisional application information) included in the reception-only product subscription request information, the information receiving unit 135 interoperates with the interface unit 130 and the provisional processing agreement information. (Or provisional application information), and the received provisional processing agreement information (or provisional application information) is provided to the information relay unit 150 or the information storage unit 155.

In addition, the employee terminal 165 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the employee terminal 165. When the virtual account processing information is included in the reception-only product subscription request information and transmitted, the information receiving unit 135 works with the interface unit 130 to include the virtual account operating institution information and the mother account information. Characterized in that it receives the processing information, and provides the received virtual account processing information to the information relay unit 150 or information storage unit 155.

In addition, the employee terminal 165 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or sends the financial transaction application information to the employee terminal 165. When the transmission is included in the reception-only product subscription request information, the information receiver 135 receives the financial transaction application information in conjunction with the interface unit 130, and the received financial transaction application information is The information relay unit 150 or the information storage unit 155 is provided.

In addition, the employee terminal 165 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the employee terminal If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the reception-only product subscription request information at 165, the information receiver 135 is interworked with the interface 130. And the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receives the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 150. Or to the information storage unit 155.

The information storage unit 155 stores the reception-only product subscription request information received through the information receiving unit 135 in the reception-only product subscription information and stores it in a predetermined storage medium 160.

When the online account security information (or reception-only product security information) is received through the information receiving unit 135, the information storage unit 155 processes the online account security information in association with the reception-only product subscription request information. And storing the subscription-only product subscription information in the storage medium 160, wherein the online account security information is at least one financial transaction using the online account corresponding to the reception-only product in the intranet banking server 125. It is used to authenticate.

When the provisional processing agreement information (or provisional new application information) is received through the information receiving unit 135, the information storage unit 155 may store the provisional processing agreement information (or the provisional processing agreement information in the reception-only product subscription request information). Receive-only product subscription information associated with the new provision application information) is stored in the storage medium 160, wherein the new provision processing agreement information (or new provision application information) is the intranet banking server 125 Provides a basis for processing at least one financial transaction using the online account until the financial real name of the online account corresponding to the reception-only product is verified.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 135, the information storage unit 155 links the virtual account processing information to the reception-only product subscription request information. And store the received subscription-only product subscription information in the storage medium 160, wherein the virtual account processing information is checked by the intranet banking server 125 for the financial real name of the online account corresponding to the received-only product. Until now, it provides a basis for processing at least one or more financial transactions using the online account based on a virtual account whose parent account is the real account operated by the financial institution.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 135, the information storage unit 155 agrees to the non-face-to-face financial transaction agreement with the reception-only product subscription request information. And receiving-only product subscription information in which the information (or non-face-to-face financial transaction application information) is processed in association with the storage medium 160. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ) Provides a basis for the intranet banking server 125 to process at least one financial transaction using the online account until the financial real name of the online account corresponding to the reception-only product is verified.

According to the exemplary embodiment of the present invention, the information storage unit 155 opens the intranet banking server 125 when a predetermined online account corresponding to the reception-only product subscription request information is opened by the information processing server 175. The reception-only product information (or online account information corresponding to the reception-only product) opened by the information processing server 175 to process at least one or more financial transactions using the online account. Receive-only product information (or receive-only product) stored in the storage medium 160, or opened by the information processing server 175 received only product subscription request information contained in the received-only product subscription information Is replaced by the online account information corresponding thereto, and the present invention is not limited thereto.

Here, the reception-only product information (or online account information corresponding to the reception-only product) is in the form of a virtual account number generated by the provisional opening unit 185 and the virtual account processing unit 190 of the information processing server 175. Online account number, account holder information corresponding to employee information included in the reception-only product subscription request information, the intranet banking server 125 operator information, and the reception-only product (or an online account corresponding to the reception-only product) It is preferable to include this established financial institution information.

The information relay unit 150 corresponds to the reception-only product (eg, online corresponding to the reception-only product) through the reception-only product subscription request information received through the information receiving unit 135 through a predetermined communication means. It is characterized in that the relay transmission to the information processing server 175 provided in the financial institution (open account).

Here, the communication means for connecting the intranet banking server 125 and the information processing server 175 may be a dedicated communication network that blocks access by a third party other than the intranet server and the information processing server 175, or the intranet banking server. A secure communication network (eg, an intranet banking server 125) encrypts the reception-only product subscription request information by a predetermined encryption method to provide a secure communication function between the information processing server 175 and the information processing server 175. ) And a communication network for decrypting the reception-only product subscription request information through a decryption scheme corresponding to the encryption scheme in the information processing server 175.

When the online account security information (or reception-only product security information) is received through the information receiving unit 180, the information relay unit 150 transmits the online account security information to the reception-only product through a predetermined communication means. And relaying to the information processing server 175 provided at the corresponding financial institution (e.g., the online account corresponding to the reception-only product is opened), whereby the information processing server 175 transmits the financial information. The intranet banking server 125 opens an online account for processing a financial transaction through the online account security information in a financial system provided at an institution.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 180, the information relay unit 150 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying through the means to an information processing server 175 provided in a financial institution corresponding to the reception-only product (e.g., an online account corresponding to the reception-only product is opened). The server 175 opens a new online account corresponding to the reception-only product subscription request information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiver 180, the information relay unit 150 corresponds to the reception-only product through the predetermined communication means (for example, the reception-only product). And relaying the information to the information processing server 175 included in the financial institution, in which the online account corresponding to the product is opened. Although not a conventional customer, an online account corresponding to the reception-only product subscription request information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 180, the information relay unit 150 receives the virtual account processing information through the predetermined communication means. And relaying the information to the information processing server 175 provided at a financial institution corresponding to the product (eg, an online account corresponding to the reception-only product is opened). An online account corresponding to the reception-only product subscription request information is opened in a financial system provided at a financial institution in the form of a virtual account having a real account operated by the financial institution as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 180, the information relay unit 150 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 175 provided in the financial institution corresponding to the reception-only product (for example, an online account corresponding to the reception-only product is opened). Accordingly, the information processing server 175 is an online account for non-face-to-face processing of the financial transaction using the online account corresponding to the reception-only product in the intranet banking server 125 to the financial system provided in the financial institution Open the

According to another exemplary embodiment of the present invention, when the information processing server 175 is provided with an intranet banking server 125 function or the information processing server 175 is a predetermined banking server, the information relay 150 is provided. ) By relaying the link between the employee terminal 165 and the information processing server 175, the information processing server 175 from the employee terminal 165 in the reception-only product subscription request information (or a new provision processing) Certain information for receiving consent information (or new application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information); It is possible to relay to directly provide a user interface of the, so that the information processing server 175 is transferred from the employee terminal 165 through a predetermined network means Pre-receipt-only product subscription request information (or provisional processing consent information (or provisional application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or It is possible to directly receive the face-to-face financial transaction application information), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one intranet banking server 125 and the information processing server 175 may be relayed between the intranet banking server 125 and the information processing server 175, or A predetermined relay server (not shown) which relays the intranet banking server 125 and the at least one information processing server 175 or relays the at least one intranet banking server 125 and the at least one information processing server 175. It is possible to further include, by which the present invention is not limited.

Referring to FIG. 1, the information processing server 175 receives the reception-only product subscription request information (or the provisional processing agreement information (or the provisional application information)) provided from the intranet banking server 125 through the communication means. Or an information receiver 180 for receiving online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information); A new establishment section 185 for opening a new online account corresponding to the reception-only product subscription request information received through the information receiving unit 180 in association with the new institution; The virtual account processing unit 190 for processing a real account operated in the form of a virtual account as a parent account 190, and the customer receiving a dedicated product for the online account of the virtual account type The real name management unit 195 managing before real name verification for the real name and the real name of the customer of the request-only product application for the online account opened as a new provision corresponding to the reception-only product subscription request information is confirmed within a predetermined real name verification period The real name confirmation unit 197 for checking whether the real name for the online account opened as a new provision in response to the reception-only product subscription request information is confirmed, and a new financial account (or It is characterized in that it comprises a new account processing unit for processing as a dedicated product.

The information receiving unit 180 receives the subscription-only product subscription request information provided from the intranet banking server 125 through the communication means (or the provisional processing agreement information (or provisional application information), or the online account security information, Or receiving financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received-only product subscription request information (or a new provision). The processing agreement information (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) It provides to the establishment part 185.

Receive-only product subscription request information (or provisional processing agreement information (or provisional application information), or online account security information, or financial transaction application information provided from the intranet banking server 125 according to an embodiment of the present invention) Or virtual account processing information or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), the information receiving unit 180 receives the encrypted reception-only product subscription request information (or a provisional processing agreement). Further decrypting information (or new application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial application information). It is preferable to comprise.

The new provision establishment unit 185 may receive the subscription-only product subscription request information (or new provision processing agreement information (or new provision application information)) or online from the intranet banking server 125 through the information receiver 180. When account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided, the reception-only product subscription request information (or false transaction) Read the consent information (or new application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Through the financial system, the reception-only product subscription request information (or the provisional processing agreement information (or the provisional application information), the online account security information, or the financial settlement And an online account corresponding to the application information, the virtual account processing information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information).

Here, the new provision establishment unit 185 the reception-only product subscription request information (or new provision processing agreement information (or new provision application information), or online account security information, financial transaction application information, or virtual account processing information) , Or to open an online account corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in a new way, the reception-only product subscription request information in the ledger D / B provided on the financial system. (Or false transaction processing information (or false application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) A predetermined customer ledger corresponding to the user account (which may be omitted if the customer ledger is already registered) or at least one online account ledger (eg, the subscription-only product subscription). , Including registering the received director) corresponding to blue is characterized in that information is made.

According to an exemplary embodiment of the present invention, the online ledger for the online account corresponding to the reception-only product subscription request information may include an account ledger corresponding to an online account newly opened based on the reception-only product subscription request information. It is preferable to register with the ledger D / B in the form, and to store the information on the provisional information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the reception-only product subscription request information corresponds to a virtual account associated with a predetermined parent account based on the reception-only product subscription request information. Preferably it is registered in the ledger D / B in the form of an account ledger, wherein the parent account is the financial system to register the customer financial account, or the online account already opened in the ledger D / B on the financial system It is possible to include at least one or more of the above-mentioned financial institution account already listed in the ledger D / B of the above, by which the present invention is not limited.

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

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

That is, the new provision establishment unit 185 may receive the subscription-only product subscription request information (or new provision processing agreement information (or new provision application information), or online account security information) received through the intranet banking server 125. Or based on the financial transaction application information, the virtual account processing information, or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information), in connection with the external system or information system provided in the financial system. Performs a procedure of establishing an online account ledger, and provides the result to the virtual account processor 190.

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

The virtual account processor 190 may process the online account (or online account ledger) opened by the provisional opening unit 185 as a virtual account using a real account operated by the financial institution as a parent account. do.

According to the method of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the financial institution as the parent account does not include the conventional virtual account ledger information. It is preferable to include real account ledger information (eg, ledger information including an account number according to the account number system corresponding to the real account) that can be processed as a new account in the form of a real account when checking the real name of the online account. Before the real name is verified for the online account, the real account operated by the financial institution is preferably processed as a virtual account having a parent account.

According to another embodiment of the present invention, the online account ledger corresponding to an online account processed in the form of a virtual account having a real account operated by the financial institution as a parent account may include a real account operated by the financial institution as a parent account. It may include virtual account ledger information (eg, ledger information including an account number according to the virtual account number system), in which case the virtual account ledger information is converted into real account ledger information ( For example, it is possible to convert (or replace) ledger information including an account number following an account number system corresponding to a real account, and the present invention is not limited thereto.

Subsequently, the new provision management unit 195 processes and manages the online account opened as the new provision as a virtual account which is used as a parent account before the real account operated by the financial institution until the real name confirmation of the reception-only product application employee is confirmed. It features.

According to the method of the present invention, the provisional management unit 195 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when the predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 195 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when the interest on the amount deposited in the online account is calculated through the financial system, the new management unit 195 is a virtual account type online that uses the real account operated by the financial institution as the parent account. Characterized in that interest is processed as an account.

By processing the online account as a virtual account using a real account operated by the financial institution as the parent account as described above, the new provision management unit 195 allows the financial real name transaction and secrecy until the online account corresponding to the reception-only product is verified. Prevent violations of the Act on Coverage and Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 197 is the law and concurrent orders on the financial real name system transactions and confidentiality while the online account opened by the new provision establishment unit 185 is managed by the new provision management unit 195. According to the financial real name confirmation procedure corresponding to (Presidential Decree No. 15744), it is characterized by checking whether the real name of the reception-only product application employee is confirmed within a predetermined real name confirmation period.

According to an exemplary embodiment of the present invention, the real name checking unit 197 determines whether the real name of the reception-only product application employee for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to confirm.

Alternatively, when the reception-only product application employee is a conventional financial transaction customer for the financial institution, the real name verification unit 197 checks the real name of the reception-only product application employee within a predetermined name verification period. During the terminal-based financial transaction corresponding to the financial institution, the reception-only product application employee, in connection with the financial transaction system, provides the reception-only product application employee with a real name verification procedure for the online account corresponding to the reception-only product. It is desirable to request that it be performed.

If the real name of the reception-only product application employee is confirmed within a predetermined real-name confirmation period, the real name verification unit 197 generates the real name confirmation information for the reception-only product application employees to provide to the new account processing unit. .

Alternatively, when the real name of the reception-only product application employee is confirmed within the predetermined name verification period, the real-name verification unit 197 generates unidentified name information of the reception-only product application employee to the new account processor. to provide.

When real name confirmation information is provided from the real name confirmation unit 197 including the real name of the reception-only product application employee confirmed within the real name confirmation period, the new account processing unit is connected to the financial system to provide the new provisions. The online account processed as a new provision by the establishment unit 185 or the new provision management unit 195 is characterized in that it is processed as a valid new financial account (or a reception-only product).

According to the implementation method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 197 including the real name for the reception-only product application employees confirmed within the real name confirmation period, the new account processing unit is The online account (or receive-only product) processed by the new provision opening unit 185 or the new provision management unit 195 in association with an external or information system provided in the financial system is available for all financial transactions. It is desirable to process new financial accounts (or receive-only products).

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit may be configured in the financial system. It is preferable to unlock the online account in connection with the external or information system provided in the online account, whereby the online account processed as the new provision is a valid new financial account (or a receive-only product) capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to a virtual account, the new account processing unit reconverts (or re-transfers) the amount deposited in the withdrawal virtual account to the online account in connection with an external or information system provided in the financial system, or It is preferable to remove (or delete) the withdrawal virtual account, whereby the online account processed as the pseudonym is treated as a valid new financial account (or receive-only product) capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by the account, the new account processing unit is connected with the external system or the information system provided in the financial system. Canceling the withdrawal prevention function of the online account processed with the virtual account with the withdrawal prevention function, and providing (or erasing) the virtual account function associated with the new account processing mother account and processing it with the online account. Whereby the online account processed under the pseudonym is a valid new financial account (or number) capable of all financial transactions. Is treated with only product).

According to the method of the present invention, when the new account processor processes the online account as a valid new financial account capable of all financial transactions, the date of the online account opening from the intranet banking server 125 is received by the information receiver 180. The reception-only product subscription request information (or the provisional processing agreement information (or the provisional application information), online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non- It is preferable to apply retrospectively to any one of the date of receiving the face-to-face financial transaction application information)) or the date of the new provision opening unit 185 newly opening the online account on the financial system.

According to another embodiment of the present invention, the information processing server 175 is an information receiving unit 180 for receiving the reception-only product subscription request information provided from the intranet banking server 125 through the communication means, and the reception In response to the exclusive product subscription request information, a real name verification unit (197) for checking the employee information (or employee real name information) of the employees who visited the window of the financial institution window, and the employee receives the subscription-only product subscription request information through intranet banking. If it is confirmed that the employee provided, characterized in that it comprises a new account processing unit for newly processing the financial account (or reception-only products) corresponding to the reception-only product subscription request information.

The real name verification unit 197 checks whether the real name (or employee information) of the employee who applied for the reception-only product through the intranet banking is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is preferable.

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

In more detail, FIG. 2 illustrates a virtual account ledger in a virtual account ledger having a real account of the financial institution as a parent account in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. As shown in FIG. 2, the online account ledger information is stored according to the information. If a person of ordinary skill in the art belongs to the present invention, the real account of the financial institution in the ledger D / B is referred to or modified with reference to FIG. Although it may be possible to infer various information configuration methods for storing online account ledger information according to the virtual account ledger information in the virtual account ledger having a parent account, the present invention includes all the inferred implementation methods, It is not limited only to the implementation method shown.

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

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

According to an embodiment of the present invention, the customer ledger, through the intranet banking system shown in Figure 1 to register the online account in the form of a virtual account linked to the mother account as the real account of the financial institution, the financial institution finances the financial institution Online account customer ledger information, which stores the information of the ledgers of the financial institutions serving as the trading customers, and registers the online accounts in the form of virtual accounts linked to the mother accounts of the financial institutions through the intranet banking system shown in FIG. It is desirable to store.

Here, the financial institution customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein an employee who opens an online account corresponding to the reception-only product is the conventional financial institution of the financial institution. If the customer ledger of the employee who opens an online account corresponding to the reception-only product in the ledger D / B as a trading customer, the online account customer ledger preferably uses the customer ledger of the employee as it is. .

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the financial institution is linked to the customer ledger of the financial institution in a relational manner, and at least one financial account of the financial institution of the financial institution is shown in FIG. It is preferable to correspond to the parent account of the virtual account corresponding to the registered online account through the intranet banking system.

Here, among the account ledgers of the financial institution, the account ledger corresponding to the parent account of the virtual account corresponding to the online account of the reception-only product registered through the intranet banking system shown in FIG. 1 is connected to the virtual account ledger in a relational manner. It is preferable.

The virtual account ledger is relationally connected with the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the intranet banking system shown in FIG. 1 among at least one financial account corresponding to the financial institution. The virtual account ledger information may include an information structure including the mother account number and the mother account operating institution information in basic account ledger information such as the account ledger.

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

Those of ordinary skill in the art to which the present invention pertains include an online account that composes the virtual account ledger information associated with the account ledger of the financial institution based on the basic account ledger information configuration, and the virtual account ledger information configuration. Since the ledger information may be inferred, a detailed description thereof will be omitted.

According to the exemplary embodiment of the present invention, it is preferable that the reception-only product subscription request information including predetermined employee information is additionally processed as additional information corresponding to the online ledger for storing the new reception-only product.

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

In more detail, FIG. 3 illustrates a real account of the financial institution through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. FIG. 3 illustrates an information structure linked in the form of a virtual account as a parent account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing of FIG. By using the predetermined virtual account processing information can be inferred various information configuration methods for linking the real account of the financial institution in the form of a virtual account as the parent account, the present invention includes all the inferred implementation method, It is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

According to an embodiment of the present invention, the customer ledger, through the intranet banking system shown in Figure 1 to register the online account in the form of a virtual account linked to the mother account as the real account of the financial institution, the financial institution finances the financial institution Online account customer ledger information, which stores the information of the ledgers of the financial institutions serving as the trading customers, and registers the online accounts in the form of virtual accounts linked to the mother accounts of the financial institutions through the intranet banking system shown in FIG. It is desirable to store.

Here, the financial institution customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein an employee who opens an online account corresponding to the reception-only product is the conventional financial institution of the financial institution. If the customer ledger of the employee who opens an online account corresponding to the reception-only product in the ledger D / B as a trading customer, the online account customer ledger preferably uses the customer ledger of the employee as it is. .

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

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

According to an embodiment of the present invention, at least one financial account corresponding to the financial institution is linked to the customer ledger of the financial institution in a relational manner, and at least one financial account of the financial institution of the financial institution is shown in FIG. It is preferable to correspond to the parent account for processing the online account registered through the intranet banking system as a virtual account.

Here, among the account ledgers of the financial institution, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the intranet banking system shown in FIG. 1 is associated with the online account ledger processed by the virtual account. desirable.

The online ledger includes the same basic ledger information as the account ledger, and includes an online account number, a parent account number corresponding to a mother account for processing the online account as a virtual account among financial accounts of the financial institution, and By including predetermined virtual account processing information including at least one or more of the parent account management institution information (for example, financial institution information) as additional information, to process the online account as a virtual account of the financial account of the financial institution as the parent account In this case, the virtual account processing information is preferably matched with the received-only product subscription request information received from the employee terminal 165 on the intranet banking system shown in Figure 1 and the virtual account processing information.

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

Preferably, the mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the financial institution name.

Preferably, the parent account operating institution information of the virtual account processing information includes the financial institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains can infer the configuration of the online ledger information linked to the account ledger of the financial institution through the virtual account processing information based on the structure of the ledger information. Therefore, detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, it is preferable that the reception-only product subscription request information including predetermined employee information is additionally processed as additional information corresponding to the online ledger for storing the new reception-only product.

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

More specifically, FIG. 4 shows predetermined virtual account processing information as shown in FIG. 3 in a predetermined online account ledger stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. As shown in the present invention, an information structure for linking a real account of the financial institution in the form of a virtual account as a parent account and further linking and processing the pseudo new processing information for processing a predetermined new account in the online account ledger is provided. Those skilled in the art may refer to or modify this drawing to convert the real account of the financial institution to the mother account through a predetermined virtual account processing information in the ledger D / B. It would be possible to infer a variety of information configuration methods to be processed in a new account by linking in the form of a virtual account, the present invention is all inferred implementation method Inclusion and shall not be limited to the exemplary method shown in the figure 4.

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

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

According to an embodiment of the present invention, the customer ledger, through the intranet banking system shown in Figure 1 to register the online account in the form of a virtual account linked to the mother account as the real account of the financial institution, the financial institution finances the financial institution Online account customer ledger information, which stores the information of the ledgers of the financial institutions serving as the trading customers, and registers the online accounts in the form of virtual accounts linked to the mother accounts of the financial institutions through the intranet banking system shown in FIG. It is desirable to store.

Here, the financial institution customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein an employee who opens an online account corresponding to the reception-only product is the conventional financial institution of the financial institution. If the customer ledger of the employee who opens an online account corresponding to the reception-only product in the ledger D / B as a trading customer, the online account customer ledger preferably uses the customer ledger of the employee as it is. .

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date and the number of shares corresponding to the account ledger, or the account At least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, CIF, etc. It includes transaction history information that includes.

According to an embodiment of the present invention, at least one financial account corresponding to the financial institution is linked to the customer ledger of the financial institution in a relational manner, and at least one financial account of the financial institution of the financial institution is shown in FIG. It is preferable to correspond to the parent account for processing the online account registered through the intranet banking system as a virtual account.

Here, among the account ledgers of the financial institution, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the intranet banking system shown in FIG. 1 is associated with the online account ledger processed by the virtual account. desirable.

The online ledger includes the same basic ledger information as the account ledger, and includes an online account number, a parent account number corresponding to a mother account for processing the online account as a virtual account among financial accounts of the financial institution, and By including predetermined virtual account processing information including at least one or more of the parent account management institution information (for example, financial institution information) as additional information, to process the online account as a virtual account of the financial account of the financial institution as the parent account In this case, the virtual account processing information is preferably matched with the received-only product subscription request information received from the employee terminal 165 on the intranet banking system shown in Figure 1 and the virtual account processing information.

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

Preferably, the mother account number of the virtual account processing information includes an account number of a financial account (or a real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the financial institution name.

Preferably, the parent account operating institution information of the virtual account processing information includes the financial institution information corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains can infer the configuration of the online ledger information linked to the account ledger of the financial institution through the virtual account processing information based on the structure of the ledger information. Therefore, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the online account registered through the intranet banking system shown in FIG. 1 is a virtual account that has not been verified, and the online account is open for account opening and financial transaction processing in a non-real name verification state. The online account ledger information provided in the virtual account ledger preferably includes predetermined false transaction information as additional information.

The provisional opening unit 185 or the provisional management unit 195 of the information processing server 175 shown in FIG. 1 are connected to the external system or information system provided in the financial system, and correspond to the online account. Generate predetermined false information processing information including at least one of an account number (or an online account number); It is preferable to store and link to the additional information corresponding to the online account ledger, the new provision processing information is received only product subscription request information received from the employee terminal 165 on the intranet banking system shown in Figure 1 It is desirable to generate based on the new processing agreement information (or new application information).

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

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

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

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

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the reception-only product application employees If the real name confirmation of the reception-only product application employee is not confirmed within a predetermined time, it is preferable to extend it repeatedly until the real name confirmation of the reception-only product application employee.

The deposit before the real name verification of the provisional processing information may be received from at least one other real account (or other online account) before the real name of the employee of the application for receiving exclusive goods for the online account corresponding to the received product is verified. When a predetermined amount is deposited in the opened online account, the amount before the real name confirmation is matched with the account balance of the online ledger as the amount information deposited into the online account.

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

According to the exemplary embodiment of the present invention, it is preferable that the reception-only product subscription request information including predetermined employee information is additionally processed as additional information corresponding to the online ledger for storing the new reception-only product.

5 is a diagram illustrating an intranet member authentication process for receiving-only product new processing using an intranet according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates a non-face-to-face banking service in connection with an employee D / B in which the employee information is stored when the employee terminal 165 accesses the predetermined intranet server 100 shown in FIG. 1 and logs in. (E.g., an employee certification process for activating to provide a subscription-only product subscription service), specifically, intranet banking subscription information (employee information registration information) for confirming whether the employee is the intranet banking customer is shown in FIG. This is for the case where the employee information is stored in D / B.

For those of ordinary skill in the art to which the present invention pertains, various implementation methods for employee certification process for non-face-to-face banking (eg, application for subscription-only product subscription) using employee information by referring to or modifying this drawing 5 will be described. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 5, the employee terminal 165 shown in FIG. 1 is referred to as a “terminal” for convenience.

Referring to FIG. 5, a predetermined employee accesses a server through a predetermined terminal, inputs intranet account information of the employee, and transmits the received intranet account information to the intranet server 100 (500).

According to an embodiment of the present invention, the process of inputting the intranet account information of the employee in the terminal and transmitting the intranet account information to the intranet server 100 may include receiving the intranet account information through a key input unit provided in the terminal. The method may further include inputting, or, when the intranet server 100 is connected, automatically inputting the intranet account information stored in a memory provided in the terminal.

Thereafter, the intranet server 100 compares the intranet account information received from the terminal with the intranet account information stored in the employee information D / B to authenticate the validity of the employee (505).

If the validity of the employee is not authenticated through the intranet account information (for example, when the intranet account information received from the terminal does not match the intranet account information stored in the employee information D / B) (510), the intranet The server 100 generates a predetermined employee error result and transmits the result to the terminal (515). In response, the terminal transmits at least one intranet service through the terminal (e.g., subscription-only product subscription, e-mail, electronic Exit without providing payment, banking, etc.).

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, when the intranet account information received from the terminal and the intranet account information stored in the employee information D / B match) 510, the intranet server ( In step 520, the employee information associated with the intranet account information is read and linked with the employee D / B to determine whether the customer is capable of intranet banking (520).

According to the implementation method of the present invention, the intranet server 100 is processed in connection with the intranet account information to check the intranet banking subscription information stored in the employee information D / B, so that the employee information to the intranet banking It is a good idea to verify that you are a registered customer.

If the employee is not subscribed as an intranet banking customer (525), the intranet server 100 is a valid member capable of receiving at least one intranet service through the terminal (e.g., the employee is authenticated). Generate and transmit information to the terminal (530), and correspondingly, the terminal corresponds to at least one or more intranet functions (e.g., receive-only product subscription, e-mail, and electronic payment) provided by the intranet server 100. Banking, etc.) (535).

On the other hand, if the employee is identified as a customer capable of intranet banking (525), the intranet server 100 is the employee authentication result including the intranet account information (e.g., the employee has at least one intranet service through the terminal) Information to authenticate that a valid member can be provided) and transmitted to the intranet banking server 125 (540), and the intranet banking server 125 stores the employee authentication result in a predetermined storage medium 160. (545).

According to an embodiment of the present invention, the employee authentication result stored in the intranet banking server 125 is the non-face-to-face banking request using at least one or more employee information from the terminal to the intranet banking server 125, the employee's It is preferably used as information for authenticating validity.

In addition, the employee authentication result stored in the intranet banking server 125 is at least one non-face-to-face financial transaction authentication when the non-face-to-face financial transaction request, such as account inquiry from the terminal to the intranet banking server 125 It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication process through the information.

Thereafter, the intranet server 100 includes the intranet banking subscription (registration) information in the employee authentication result and transmits the information to the terminal (550), and correspondingly, the terminal provides at least the intranet server 100 provided. Activate one or more intranet functions (e.g., receive-only product subscription service, e-mail, electronic payment, banking, etc.), and also based on the intranet banking subscription information (employee information registration information) of the intranet banking functions Activate (555).

According to another exemplary embodiment of the present invention, the intranet banking subscription information may further include unique information (or unique code) allocated by the intranet banking server 125 to identify the intranet banking customer.

For example, the unique information (or unique code), the employee number (or code) information of the corporate employee, the information stored in the employee card owned by the corporate employee, the official certificate information of the corporate employee customer, Member information including a user account (ID) and password of the corporate employee registered in the company (e.g., a company server, etc.), social security number information of the corporate employee, employee name information, driver's license number information, insurance number Information, biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein shape, DNA (Deoxyribo Nucleic Acid) of the corporate employee, and a wireless terminal owned by the corporate employee. Wireless terminal information including a telephone number or a terminal serial number for the IC, and the IC mounted or detached from the wireless terminal owned by the company staff And at least one customer-specific information owned by the chip or the corporate employee and stored in the IC chip, and at least one serial number or unique code information of the IC card owned by the corporate employee.

According to an embodiment of the present invention, activating the intranet banking function provided by the server to the terminal is one of the intranet banking functions, when a predetermined intranet banking icon or an intranet banking menu is provided. Preferably, the method comprises activating a banking icon or an intranet banking menu.

6 is a diagram illustrating an intranet member authentication process for receiving-only product new processing using an intranet according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the employee logs in from the predetermined employee terminal 165 to the predetermined intranet server 100 shown in FIG. 1, the employee has the intranet information, the intranet account information, the intranet linked account information, If the employee has registered intranet banking information including at least one employee information, the employee authentication process is activated to provide a non-face-to-face banking service using the employee information. Specifically, the process of confirming whether the employee is an intranet banking customer This is the case when the storage medium 160 provided in the intranet banking server 125 shown in FIG.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the employee authentication process for non-face-to-face banking using the employee information by referring to or modifying this figure 6. It is made including all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 6 to allow the storage medium 160 to provide non-face-to-face intranet banking services to the employees. When stored in / B or in a predetermined database associated with the ledger D / B, it is possible to infer various implementation methods to confirm whether the employee is an intranet banking customer in connection with the storage medium 160. The present invention is characterized in that it comprises all the implementation methods inferred above.

Hereinafter, in FIG. 6, the employee terminal 165 illustrated in FIG. 1 is referred to as a “terminal” for convenience.

Referring to FIG. 6, a predetermined employee accesses the intranet server 100 through a predetermined terminal, inputs intranet account information of the employee, and transmits the received intranet account information to the server (600).

According to an embodiment of the present invention, the process of inputting the intranet account information of the employee in the terminal and transmitting the intranet account information to the intranet server 100 may include receiving the intranet account information through a key input unit provided in the terminal. Preferably, the method further comprises the step of inputting or automatically inputting the intranet account information stored in a memory provided in the terminal.

Thereafter, the intranet server 100 compares the intranet account information received from the terminal and the intranet account information stored in the employee information D / B to authenticate the validity of the employee (605).

If the validity of the employee is not authenticated through the intranet account information (for example, the intranet account information input from the terminal does not match the intranet account information stored in the employee information D / B) (610), the intranet The server 100 generates a predetermined employee error result and transmits it to the terminal (615), and correspondingly, the terminal corresponds to at least one intranet service provided by the intranet server 100 (for example, a subscription-only product subscription request). Services, e-mail, electronic payment, banking, financial product information, etc.) is terminated without providing.

On the other hand, if the validity of the employee is authenticated through the intranet account information (for example, when the intranet account information input from the terminal matches the intranet account information stored in the employee information D / B) (610), the intranet server ( 100, the employee authentication result including the intranet account information (eg, the employee provides at least one or more intranet services (eg, a reception-only product subscription application service, e-mail, electronic payment, banking, etc.) through the terminal. Information certifying that a valid member can be received) and transmitted to the intranet banking server 125 (620), and the intranet banking server 125 corresponds to intranet account information matching the intranet account information. By confirming that the data is stored in the storage medium 160, the employee is connected to the intranet banking (employee) Financial transaction using the information) and check whether the customer is subscribed (625).

Herein, the intranet account information includes employee number (or code) information of the corporate employee, information stored in an employee card owned by the corporate employee, official certificate information of the corporate employee customer, and the company (eg, Member information including a user account (ID) and a password of the corporate employee registered in the company server, etc.), social security number information, employee name information, driver's license number information, insurance number information, Biometric information including at least one fingerprint, hand shape, iris, voice, face, signature, retina, vein, DNA (Deoxyribo Nucleic Acid) of a company employee, and a telephone number for a wireless terminal owned by the company employee Or an IC chip mounted on or detached from a wireless terminal information including a terminal serial number and a wireless terminal owned by the company employee. Is characterized in that it comprises at least one or more customer-specific information owned by the corporate employee and stored in the IC chip, and serial number or unique code information of the IC card owned by the corporate employee customer.

According to an embodiment of the present invention, if the intranet banking server 125 confirms that the intranet account information matching the intranet account information is stored in the storage medium 160, the employee of the financial institution associated with the company It is a good idea to verify that you are an intranet banking customer.

If the employee is not subscribed as an intranet banking customer (630), the intranet banking server 125 generates intranet banking non-subscription information for the intranet account information and transmits it to the intranet server 100 (635).

Thereafter, the intranet server 100 generates the employee authentication result (for example, information for authenticating that the employee is a valid member who can receive at least one intranet service through the terminal) and transmits the result to the terminal (640). In response, the terminal activates at least one intranet function (eg, a reception-only product subscription service, e-mail, electronic payment, banking, etc.) provided by the server (645).

On the other hand, if the employee is registered as an intranet banking customer (630), the intranet banking server 125 is an effective member that can receive at least one intranet service through the employee authentication result (eg, the employee). Authentication information) is stored in a predetermined storage medium 160 (650), and intranet banking subscription information for the intranet account information is generated and transmitted to the intranet server 100 (655).

According to an exemplary embodiment of the present invention, the employee authentication result stored in the intranet banking server 125 is valid when the non-face-to-face banking request using at least one intranet from the terminal to the intranet banking server 125. It is preferably used as information for authenticating the.

In addition, the employee authentication result stored in the intranet banking server 125, the non-face-to-face financial transaction request, such as credit loan from the terminal to the intranet banking server 125, through at least one or more non-face-to-face financial transaction authentication information It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication.

Thereafter, the intranet server 100 includes the intranet banking subscription information in the employee authentication result and transmits the received information to the terminal (660), and correspondingly, the terminal provides at least one or more intranets provided by the intranet server 100. Activate a function (eg, a receive-only product subscription service, e-mail, electronic payment, banking, etc.) and also activate the intranet banking function based on the intranet banking subscription information (665).

According to another exemplary embodiment of the present invention, the intranet banking subscription information may further include unique information (or unique code) allocated by the intranet banking server 125 to identify the intranet banking customer.

According to an embodiment of the present invention, activating the intranet banking function is such that, if the intranet program includes a predetermined intranet banking icon or an intranet banking menu, the employee may select the intranet banking icon or the intranet banking menu. It is preferable to include activating.

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

In more detail, in FIG. 7, the employee terminal 165 illustrated in FIG. 1 inputs (or selects) predetermined reception-only product subscription request information through a predetermined reception-only product subscription request user interface to provide a predetermined network means. When the intranet banking server 125 is provided to the intranet banking server 125 and the intranet banking is activated through the employee authentication process shown in FIG. 5 or FIG. 6, the reception-only product through the predetermined communication means in the intranet banking server 125. Regarding the process of providing the subscription request information to the information processing server 175 provided in the financial institution, the person having ordinary knowledge in the technical field to which the present invention belongs, refer to or modify the present figure 7 to the employee The terminal 165 provides the reception-only product subscription request information to the information processing server 175 through the intranet banking server 125. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 7.

For example, FIG. 7 illustrates that the employee terminal 165 provides only the reception-only product subscription request information from the employee terminal 165 to the intranet banking server 125, but has a general knowledge in the technical field to which the present invention pertains. If the user interface, in addition to the reception-only product subscription request information in the employee terminal 165, the new provision processing agreement information (or new provision application information), online account security information, or financial transaction application information, or virtual account processing It is possible to infer a method of providing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), but the present invention provides the provisional processing agreement information (or a pseudonym) in the employee terminal 165. Application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face finance Below agreement includes information exemplary method for providing (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention belongs, the intranet banking server corresponding to the security function provided in the communication means for connecting the intranet banking server 125 and the information processing server 175 ( 125, the reception-only product subscription request information (or the provisional processing agreement information (or the provisional application information), the online account security information, the financial transaction application information, the virtual account processing information, or the non-face-to-face financial transaction consent information). (Or non-face-to-face financial transaction application information), and encrypts and transmits it, and the information processing server 175 receives the reception-only product subscription request information (or false new processing agreement information (or false new application information), or online account security). To decrypt information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) The method may be inferred, but the present invention includes the inferred practice method, whereby the present invention is not limited.

Referring to FIG. 7, intranet banking is activated through the process illustrated in FIG. 5 or FIG. 6 in the employee terminal 165 illustrated in FIG. 1, and through the user interface for subscription-only product subscription. When the reception-only product subscription request information for subscription-only products (eg, high interest rate required account products, specially-determined deposit products, swing account products, etc.) is applied for (or selected) subscription request, the information is transmitted to the intranet banking server 125 (700). The intranet banking server 125 receives the received dedicated product subscription request information and stores the received subscription information on the storage medium 160 (705).

According to the exemplary embodiment of the present invention, the user interface for inputting (or selecting) predetermined reception-only product subscription request information on the employee terminal 165 may include at least one reception-only product (or financial product). It is preferred to include an interface for selecting at least one receive-only product (or financial product) to apply (or purchase).

In addition, when the reception-only product corresponding to the reception-only product subscription request information is a demand-free account product, a specially-determined deposit product, or a swing account, the user interface for inputting (or selecting) the reception-only product subscription request information may include: And outputting the reception-only product details such as the name of the product and the interest rate information corresponding to the reception-only product to the employee terminal 165, and confirming that the employee confirms the reception-only product details. Preferably, or if the reception-only product corresponding to the reception-only product subscription request information is a financial investment product, the user interface for receiving (or selecting) the reception-only product subscription request information, the reception-only product Received name and investment period and expected return information corresponding to the To output the same receive-only product details to the staff terminal 165, and obtained by the employees to include an interface to ensure that the check for the receive-only product details are preferred.

In addition, the user interface for receiving (or selecting) the reception-only product subscription request information, the employee terminal 165 outputs the terms and conditions information corresponding to the reception-only products, the employee agrees to the terms and conditions It is preferable to comprise a.

The user interface for receiving (or selecting) the reception-only product subscription request information may include an interface for inputting an amount for the employee to deposit (or invest) into an online account corresponding to the reception-only product, and the amount. And an interface for inputting predetermined financial account information (e.g., original account information for depositing a predetermined amount of money into the online account) deposited into the online account.

In addition, the user interface for receiving (or selecting) the reception-only product subscription request information may include employee personal information (eg, customer name, resident registration number, telephone number, mobile phone number, address) for the employee applying for the reception-only product. , An e-mail address, etc.) or an interface for inputting (or selecting) the employee member information (eg, customer ID information and password information) provided in the intranet banking server 125. It is preferable.

According to the exemplary embodiment of the present invention, the user interface for inputting (or selecting) the reception-only product subscription request information may include an account password for an online account corresponding to the reception-only product subscription request information, or through the online account. It is preferable to further include an interface for inputting (or selecting) online account security information (receive-only product security information) including at least one or more financial transaction passwords for processing at least one or more non-face-to-face financial transactions.

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

When an interface for inputting (or selecting) at least one online account security information is provided in the employee terminal 165, the employee terminal 165 may input (or select) online account security information through the interface. After that, the input (or selected) the online account security information is transmitted to the intranet banking server 125 through the intranet, or the online account security information is further included in the reception-only product subscription request information. It can transmit to the intranet banking server 125 via the means.

If the reception-only product subscription request information includes the online account security information, secure confidentiality, authentication, integrity, and nonrepudiation of the online account security information. The online account security information (or the reception-only product subscription request information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the intranet banking server 125.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the reception-only product subscription request information may be configured until the online account name for the online account corresponding to the reception-only product subscription request information is confirmed. The provisions of the provisions of provisional provisions and provisional provisional processing period information (e.g., the period in which the online account is processed as a provisional provision before the financial real name verification of the online account) is specified. And a new provision processing consent information for which the employee agrees to the new provision terms and conditions information and the new provision processing period information, or the employee applies for a new provision processing for the online account corresponding to the reception-only product. It is preferable to further include an interface for inputting (or selecting) application information.

If the provisional provisional terms information and provisional provisional processing period information is included in the provisional information corresponding to the reception-only product, the provisional provisional provisional information and provisional provisional processing period information are output from the employee terminal 165, The interface for confirming consent for this may be omitted.

When the employee terminal 165 is provided with an interface for inputting (or selecting) the provisional provision processing consent information (or provisional provision application information), the employee terminal 165 provides the provisional provision processing consent information through the interface. After inputting (or selecting) provisional information (or provisional application information), the input (or selection) provisional provisional processing consent information (or provisional application information) is transmitted to the intranet banking server 125 through the network means. Alternatively, or further including the provisional processing agreement information (or provisional application information) in the reception-only product subscription request information is transmitted to the intranet banking server 125 via the intranet.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the reception-only product subscription request information may include a real account for operating an online account corresponding to the reception-only product subscription request information at the financial institution. Inputting (or selecting) virtual account processing institution information including parent account operating institution information including at least one financial institution and mother account information corresponding to a real account operated by the mother account operating institution in order to open a virtual account; It is preferable that the interface further comprises a).

When the employee terminal 165 is provided with an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information, the employee terminal 165 processes the virtual account through the interface. After inputting (or selecting) information, the input (or selection) of the virtual account processing information is transmitted to the intranet banking server 125 through the network means, or the virtual account in the reception-only product subscription request information. Further including the processing information is transmitted to the intranet banking server 125 via the network means.

In addition, if the employee applying for the reception-only product is not a conventional financial transaction member for a financial institution corresponding to the reception-only product (for example, at least one customer account corresponding to the reception-only product application employee at the financial institution). Is not established, or if the reception-only product application employee has no history of financial transactions with the financial institution), the user interface for inputting (or selecting) the reception-only product subscription request information may include: It may include information on the financial transaction application terms and conditions for processing the first financial transaction with the institution, and preferably further comprises an interface for confirming that the employee has agreed to the financial transaction application terms, the employee of the financial institution If you are a financial transaction customer, the above interface may be omitted. The interface may be included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below according to the intention of the person skilled in the art.

If the financial transaction application terms are included in the terms and conditions information corresponding to the reception-only product, or if the financial transaction application is processed in the real name verification process for the reception-only product, the employee sends the financial transaction to the financial institution. The interface for applying for it is possible to be omitted, thereby the present invention is not limited.

If the employee terminal 165 is provided with an interface for inputting (or selecting) the financial transaction application information, the employee terminal 165 after inputting (or selecting) the financial transaction application information through the interface, Sending the input (or selected) financial transaction application information to the intranet banking server 125 through the network means, or further includes the financial transaction application information (not shown) in the reception-only product subscription request information; The intranet banking server 125 is transmitted to the intranet banking server 125 through the network means. In FIG. 1, the financial transaction application information is included in the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) specified below for convenience. It demonstrates and demonstrates.

According to another exemplary embodiment of the present invention, the process of storing the reception-only product subscription request information in the storage medium 160 includes the intranet banking server 125 (or an intranet banking server 125 operator) and the information processing. It may be omitted in accordance with the business alliance agreement between the server 175 (or financial institution), whereby the present invention is not limited.

Thereafter, the intranet banking server 125 transmits the received reception-only product subscription request information and the employee information to the information processing server 175 through a communication means (710), and the information processing server 175 is The reception-only product subscription request information provided from the intranet banking server 125 is received through a communication means (715).

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

In more detail, FIG. 8 is an online image corresponding to a reception-only product that an employee applies for, based on the reception-only product subscription request information provided from the intranet banking server 125 in the information processing server 175 shown in FIG. The process of opening an account and processing the online account as a virtual account of a real account operated by the financial institution as a parent account, and a person of ordinary skill in the art to which the present invention pertains, refer to FIG. Alternatively, the virtual account which uses a real account for operating the online account corresponding to the reception-only product in the financial institution based on the reception-only product subscription request information provided to the information processing server 175 shown in FIG. It would be possible to infer various implementation methods for processing into an account, but the present invention includes all of the inference implementation methods. The present invention is not limited thereby.

For example, in FIG. 8, only the reception-only product subscription request information is provided from the intranet banking server 125 to the information processing server 175. However, the present invention has ordinary skill in the art to which the present invention pertains. If not, the information on the provision of new provisions (or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction consent information) The non-face-to-face financial transaction application information) and the like may be inferred from the implementation method provided to the information processing server 175. However, the present invention provides the information processing server 175 with the provisional processing agreement information (or provisional provision application). Information), or online account security information, financial transaction application information, virtual account processing information, or non-face-to-face financial transaction consent information (or If the financial transaction request information) contains the exemplary method it is further provided, and to which the present invention is not limited.

Hereinafter, in FIG. 8, the information processing server 175 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, through the process shown in FIG. 5 or FIG. 6, predetermined reception-only product subscription request information (or temporary processing agreement information) is transmitted from the intranet banking server 125 shown in FIG. 1 to the server. Or provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)). Receive-only product subscription request information (or new provisional consent information (or new provisional application information), or online account security information, or financial transaction application information, or virtual account processing information, or non-face-to-face financial transaction consent information (or non-face-to-face) The financial transaction application information)) is read to determine whether the employee can open an online account corresponding to the reception-only product applied for subscription (800).

If the online account cannot be opened based on the reception-only product subscription request information (805), the server generates the account opening error information and provides the intranet banking server 125 (810) and the intranet. The banking server 125 transmits the account opening error information to the employee terminal 165 through a predetermined network means (815), so that the online corresponding to the reception-only product based on the reception-only product subscription request information is provided. Terminate the account flow process.

On the other hand, if it is possible to open an online account corresponding to the reception-only product based on the reception-only product subscription request information (805), the server is associated with the financial system and the predetermined information corresponding to the reception-only product subscription request information. The online account is opened on the banking system as a new account (820), and the online account corresponding to the reception-only product is linked to the banking system as a virtual account based on a real account operated by the banking institution. Process (825).

According to an embodiment of the present invention, the server adds the parent account number corresponding to the real account operated by the financial institution to the provisional processing information added to the online account ledger as shown in FIG. It is preferable to process the ledger corresponding to the opened online account into a virtual account whose parent account is the real account operated by the financial institution.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. It is preferable to process the virtual account processing information including the mother account information in a relational manner, thereby processing the ledger corresponding to the online account opened by the server as a virtual account whose mother account is the real account operated by the financial institution. .

According to another exemplary embodiment of the present invention, the server stores predetermined virtual account processing information in a predetermined database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the online account opened by the virtual account whose parent account is the real account operated by the financial institution.

9 is a diagram illustrating a real name verification process for an online account opened corresponding to a reception-only product according to an embodiment of the present invention.

In more detail, FIG. 9 shows the real name of an online account processed as a virtual account whose real account is operated by the financial institution through the process shown in FIG. 8 through the intranet banking system shown in FIG. A process for performing a verification process and processing a predetermined new financial account (new reception-only product), specifically, the name verification expiration date is automatically extended so that at least through an online account corresponding to the reception-only product without real name verification. It is about implementing one or more financial transactions continuously.

Those skilled in the art to which the present invention pertains, various implementations to check the real name for the online account treated as a virtual account with a real account operated by the financial institution by referring to or modifying this figure 9 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the information processing server 175 on the intranet banking system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 9, the server may include a bank terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telebanking system. System, home banking system, and financial banking system including at least one TV banking system) periodically to check whether the employee's real name is verified for the online account corresponding to the subscription request information. (Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system Responding to customer real name verification events generated from the financial transaction system ) Make (900).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name of the reception-only product subscription request employee is not confirmed (905), the server checks whether the real-name verification period for the online account corresponding to the reception-only product subscription request information has elapsed in association with the financial system. (910).

If the real name verification period for the online account corresponding to the reception-only product subscription request information has not elapsed (915), the server for the online account processed as a virtual account having a real account operated by the financial institution as a parent account. Repeat the process to confirm employee real names.

On the other hand, if the real name verification period for the online account has elapsed in response to the reception-only product subscription request information (915), the server is linked to the financial system and the real name verification expiration date for the online account (e.g. By automatically extending the included real name verification expiration date (920), it is possible to continuously provide at least one or more financial transactions through the online account corresponding to the reception-only product without real name verification.

On the other hand, if the real name of the employee for the subscription-only product subscription application is confirmed within the real name confirmation period (905), the server is processed in the form of a virtual account having a real account operated by the financial institution in connection with the financial system as a parent account. The online account is returned to the original online account (or a receive-only product) (925), and the online account is processed into a new financial account (or a new receive-only product with a real name) in connection with the financial system (930). ).

According to an embodiment of the present invention, when the online account ledger information includes real account ledger information when a virtual account type online account having a real account operated by the financial institution is processed as the new financial account, The server erases the pseudonym processing information or virtual account processing information added to the online account ledger, thereby converting the online account corresponding to the reception-only product into a new financial account (or new reception-only product) whose real name is confirmed. It is preferable to process.

Alternatively, when the online account ledger information includes the virtual account ledger information when the online account in the form of a virtual account using a real account operated by the financial institution as the new financial account, the server includes the virtual account ledger information. The real name of the online account corresponding to the reception-only product is confirmed by erasing the pseudonym processing information or virtual account processing information added to the ledger and replacing (or converting) the virtual account ledger information with real account ledger information. It is preferable to process with a new financial account (or a new receive-only product).

Thereafter, the server may retroactively process an account opening date of the financial account (or a new reception-only product) processed as the new financial account (or a new reception-only product) in association with the financial system. (935).

According to the present invention, by providing a product of a high interest rate to the customer using the corporate work site banking, it is possible to activate the corporate work site banking, there is an advantage that can increase the subscription-only product subscription rate.

Claims (3)

Receiving reception-only product subscription request information from corporate employee terminals connected through intranet banking; Storing the received reception-only product subscription request information and the corporate employee information in a storage medium by interworking; Confirming employee information (or real name information) of the employee who provided the reception-only product subscription request information through the intranet banking in connection with a financial company window terminal; When the employee information (or real name information) of the employee is confirmed, the step of newly processing the high-interest receive-only products corresponding to the reception-only product subscription request information; high-interval receiving only using intranet banking, characterized in that it comprises a How to process new goods. Receiving reception-only product subscription request information from corporate employee terminals connected through intranet banking; Processing the received reception-only product subscription request information and the company employee information in association with the storage medium and temporarily processing the reception-only product in the name of the employee; Confirming employee information (or real name information) of the employee who provided the reception-only product subscription request information through the intranet banking in connection with a financial company window terminal; When the employee information (or real name information) that provides the reception-only product subscription request information through the intranet banking is confirmed, the new processing of the new interest-only products of the newly processed high interest rate; Intranet comprising a A new method of processing high interest rate receive-only products using banking. Means for storing the company-specific employee subscription information received from the corporate employee terminal connected through intranet banking and the corporate employee information in a storage medium; Means for verifying employee information (or real name information) of the employee who provided the reception-only product subscription request information through the intranet banking; And And a means for newly processing the reception-only product to the employee whose employee information (or real name information) has been confirmed; and a high interest rate reception-only product new processing system using intranet banking.

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