KR20090082623A - System and Method for Operating Immovable Property Overall Management Account and Recording Medium - Google Patents

Abstract

An integrated real estate management account operating method and system, and a recording medium therefor are provided to automatically register in insurance for a lease deposit when a lease contract is concluded from a tenant, thereby solving inconvenience caused by insurance subscription. An interface provider(110) generates at least one user interface for inputting integrated real estate management account opening request information and for sending the generated information to a financial company server(100), and provides the generated user interface to a terminal device(195). An information receiver(115) receives the request information from the terminal device. If image contents corresponding to an integrated real estate management account opening application form are obtained and transmitted, an image receiver receives the image contents in association with an interface unit.

Description

System and Method for Operating Immovable Property Overall Management Account and Recording Medium}

FIG. 1 is a diagram illustrating a system for establishing a real-time comprehensive management account for a face-to-face system for providing a comprehensive real estate management service to a building (or building) to which a real estate comprehensive management financial service contract is concluded according to an exemplary embodiment of the present invention. .

2 is a diagram illustrating an implementation method in which a storage medium for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a face-to-face manner according to an exemplary embodiment of the present invention is provided in a DBMS on a financial system.

3 is a database in which a storage medium storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a face-to-face manner according to another embodiment of the present invention is linked to the ledger D / B provided in a DBMS on a financial system. A diagram showing an implementation method including a.

FIG. 4 illustrates an implementation method including a DBMS provided in a banking server in which a storage medium for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a face-to-face manner according to another exemplary embodiment of the present invention is provided. Drawing.

5A and 5B illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) in which a real estate comprehensive management financial service contract is concluded in a face-to-face manner according to an embodiment of the present invention. One drawing.

6A and 6B illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) in which a real estate comprehensive management financial service contract is concluded in a face-to-face manner according to another embodiment of the present invention. Figure is shown.

7A and 7B illustrate a process for opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) in which a real estate comprehensive management financial service contract is concluded in a face-to-face manner according to another exemplary embodiment of the present invention. Figure is a diagram.

FIG. 8 illustrates a non-face-to-face real estate comprehensive management account opening system for providing a comprehensive real estate management service to a building (or building) to which a real estate comprehensive management financial service contract is concluded according to another embodiment of the present invention. Drawing.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

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

11 is a view illustrating an embodiment of a method in which a storage medium for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention. Figure is shown.

12A and 12B illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) in which a real estate comprehensive management financial service contract is concluded in a non-face-to-face manner according to an exemplary embodiment of the present invention. Figure is shown.

13A, 13B, and 13C illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded according to an embodiment of the present invention. One drawing.

14 is a diagram illustrating a system for opening a tenant management account for payment processing of rents, management fees, etc. for each tenant according to an exemplary embodiment of the present invention.

15 is a view showing the configuration of a virtual account ledger for payment processing, such as rents, management fees, etc. for each tenant according to an embodiment of the present invention.

16 is a diagram illustrating a process of opening a tenant management account for payment processing of rents, administrative expenses, etc., according to one embodiment of the present invention.

FIG. 17 is a diagram illustrating a tenant management account opening system for payment processing such as rent, management fee, etc. according to another embodiment of the present invention.

18 is a view showing the configuration of a virtual account ledger for payment processing of rents, management fees, etc. for each tenant according to another embodiment of the present invention.

19 is a diagram illustrating a tenant management account opening process for payment processing such as rent, management fee, etc. for each tenant according to another embodiment of the present invention.

FIG. 20 is a diagram illustrating a real estate comprehensive management account operating system for providing a real estate comprehensive management service to a building (or building) to which a real estate comprehensive management financial service contract is concluded according to an embodiment of the present invention.

FIG. 21 is a flowchart illustrating a process of depositing a deposit in a real estate comprehensive management account operating system for providing a comprehensive real estate management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded according to an embodiment of the present invention; FIG. Figure is shown.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: information generating unit 145: account opening unit

150: information storage unit 155: electronic document server

160: electronic document receiving unit 165: information generating unit

170: electronic document storage unit 175: electronic document D / B

180: Ledger D / B 185: Financial system

 190: storage medium 195: terminal device

The present invention provides a real estate comprehensive management account opening request information for a building (or building) to which a real estate comprehensive management financial service contract is concluded, and open the received real estate comprehensive management account; Opening a financial account corresponding to the requested information, and when a new tenancy agreement is concluded with a tenant to be managed through the opened real estate management account, depositing the lease deposit according to the lease into the real estate management account; And a step of processing a subscription to an insurance product for payment of a lease deposit in response to the deposited lease deposit.

People with abundant wealth accumulated by the development of modern society are getting a lot of profits by investing in various fields.

Among them, in the case of real estate investment, which has been used by many people for a long time, management of buildings (or buildings) is difficult.

To this end, conventionally, there are various companies that provide management services for buildings (or buildings), but since these are only separate companies, various financial services are difficult to provide, unlike financial institutions.

In addition, even if this part is provided in cooperation with a financial institution, there are problems that are difficult to implement due to the cost of paying the financial institution from the management company's point of view.

An object of the present invention for solving the above problems is a means for receiving a real estate comprehensive management account opening request information for a real estate comprehensive management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded; Means for opening a financial account corresponding to the received real estate management account opening request information, and a new lease agreement with a target tenant to be managed through the opened real estate management account, the lease deposit according to the lease contract; The present invention provides a real estate comprehensive management account management system including a means for depositing the money into the real estate comprehensive management account, and a means for processing a subscription to an insurance product for payment of a lease deposit in response to the deposited security deposit.

The method for operating a real estate comprehensive management account according to the present invention includes receiving request information for opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded; Opening a financial account corresponding to the received real estate management account opening request information; and when a new tenancy contract is concluded with a target tenant to be managed through the opened real estate management account, the lease deposit according to the lease contract And depositing money into the real estate comprehensive management account, and processing a subscription to an insurance product for payment of a lease deposit in response to the deposited lease deposit.

In the method for operating a real estate comprehensive management account according to the present invention, the real estate comprehensive management account information further comprises value information of a building (or building), real estate comprehensive management contract information, tenant information, lease contract information. do.

In the real estate comprehensive management account operating method according to the present invention, the insurance product, if the lease payment is impossible due to the bankruptcy of the landlord at the time of payment of the lease after the lease contract is concluded, to protect the lease deposit Characterized in that the insurance product for.

In the method of operating a real estate comprehensive management account according to the present invention, when the rent (or management fee) payment date of a lease contract managed through the real estate comprehensive management account arrives, the rent (or management fee) payment request information is transmitted to the tenant terminal. Characterized in that further comprises a step.

In the method of operating a real estate comprehensive management account according to the present invention, when a new tenant is concluded with a target tenant to be managed through the opened real estate comprehensive management account, a rent (or management fee) is deposited to the tenant who has signed the lease. Opening a virtual account for the tenant account; and when the rent (or administrative fee) payment date arrives, depositing the rent (or administrative fee) amount into the virtual account, and classifies the deposit (or administrative fee) details of the deposit into tenants. And further comprising the step of storing.

On the other hand, it includes a computer-readable recording medium recording a program for executing the above-described real estate comprehensive management account operating method.

On the other hand, the real estate comprehensive management account operating system according to the present invention, for providing a real estate comprehensive management service to the building (or building) to which the real estate comprehensive management financial service contract is concluded, receiving the real estate comprehensive management account open request information Means for opening a financial account corresponding to the received real estate comprehensive management account opening request information, and a new tenancy agreement with a target tenant to be managed through the opened real estate comprehensive management account; And a means for depositing a lease deposit into the real estate comprehensive management account, and a means for processing a subscription to an insurance product for payment of a lease deposit in response to the deposited lease deposit.

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

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

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

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

1 is a diagram illustrating a system for establishing a real-time management system of a face-to-face system for providing real-time comprehensive management services to a building (or a building) to which a real estate comprehensive management financial service contract is concluded according to an exemplary embodiment of the present invention. .

In more detail, in FIG. 1, a predetermined customer includes at least one predetermined customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. When a real estate comprehensive management account opening application form is prepared and submitted to a window provided in a predetermined financial institution, the financial institution based on the real estate comprehensive management account opening request information corresponding to the real estate comprehensive management account opening application information Opening a real estate comprehensive management account for providing real estate comprehensive management services to a building (or building) to which a comprehensive management financial service contract is concluded, and storing the real estate comprehensive management account information for managing the real estate comprehensive management account as predetermined As a system configuration for storing in the medium 190, the technical field to which the present invention belongs If you have a general knowledge in the system, a system for opening a real estate comprehensive management account for providing a comprehensive real estate management service to a building (or building) to which a real estate comprehensive management financial service contract is concluded by referring to and / or modifying the drawing 1. Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may refer to and / or modify the drawing 1 and omit the implementation method of storing the application for opening the real estate comprehensive management account in the electronic document repository. It is possible to infer the configuration of the comprehensive management account opening system, and even if the electronic document storage application for opening the real estate management account is stored in the electronic document storage, the electronic document storage is not included in the method shown in FIG. The implementation method provided in the DBMS located in the management account opening system may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in Figure 1, in the implementation method for generating an advisory before the application for opening the real estate comprehensive management account, the real estate comprehensive management account opening application electronic document corresponding to the real estate comprehensive management account opening application form Although illustrated and described as being generated on the server side on the management account opening system, the present invention is not limited thereto, and the real estate comprehensive management account opening application electronic document is opened through the predetermined image acquisition device. The terminal may be generated by the terminal that has acquired the image content corresponding to the application (for example, the electronic document generation function provided on the server side may be provided on the terminal to generate the electronic property real estate management account application electronic document). The present invention is not limited by this.

In addition, as shown in FIG. 1, in addition to the method of newly opening a landlord account, a previously established financial account may be set as a landlord account, and the present invention is not limited thereto.

In addition, as shown in FIG. 1, a loan application process may be included in a process of opening a new landlord account (or designating an existing financial account as a landlord account), and the loan process according to the loan application process It is preferably a building (or building) mortgage.

Hereinafter, in response to the real estate comprehensive management account opening application and real estate comprehensive management account opening request information created by the customer through a predetermined financial account opening interface on the real estate comprehensive management account opening system shown in FIG. A financial institution server may be a component that corresponds to at least one or more means and / or functional configurations for generating a management account and generating a predetermined real estate management account application electronic document corresponding thereto and storing the electronic document in a predetermined electronic document repository. (100) ".

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a real estate comprehensive management account for providing a comprehensive real estate management service for a building (or a building) to which the real estate comprehensive management financial service contract is concluded is provided. And a terminal device 195 including a counter terminal provided at a branch (or a branch) of the financial institution, wherein the terminal device 195 is configured to open the real estate comprehensive management account through a predetermined financial network. The financial company server 100 provided on the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (office) to provide a comprehensive real estate management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded. Through a window (or through a clerk) provided at a branch of a financial institution, a predetermined real estate comprehensive management for providing a comprehensive real estate management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded. To prepare an account opening application (for example, a document having a form for filling in at least one information item for providing a comprehensive real estate management service to a building (or building) to which the comprehensive real estate financial management contract is concluded) In this case, the customer is required to provide the legal basis for the application for opening the real estate management account. To seal the seal is preferred.

Subsequently, when the customer submits the completed real estate comprehensive management account opening application to the counter employee, the counter staff scans the real estate comprehensive management account opening application through a predetermined image acquisition device to obtain predetermined image contents, and Image contents obtained in response to the application for opening the comprehensive real estate management account through the counter terminal of the customer, customer information (or renter information), building (or building) information, and real estate comprehensive management contract information entered in the real estate comprehensive management account opening application. Input (or select) real estate comprehensive management account opening request information including at least one of automatic insurance subscription consent information, tenant information, and lease contract information; and correspondingly, the counter terminal opens the image content and real estate comprehensive management account. The real estate comprehensive management system through the financial information request information To be sent to the financial company server 100 provided on the open system is preferred.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 185 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the real estate comprehensive management account opening system as described above, an image acquisition device for acquiring image contents corresponding to the real estate comprehensive management account opening application prepared by the customer, a teller terminal used by the employee, the teller terminal and the financial company server The financial network connecting 100 is finance for the customer to register the real estate comprehensive management account opening request information for the real estate comprehensive management service for the building (or building) to which the real estate comprehensive management financial service contract is concluded. Perform the function of the account opening interface.

The storage medium 190 provided on the real estate comprehensive management account opening system according to the present invention includes the customer information and a building (or building) included in the real estate comprehensive management account opening request information provided from the terminal device 195. Characterized in that the real estate comprehensive management account information including at least one or more information, building (or building) value information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information.

The building (or building) information is for a building (or building) for which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable to include the consent information set to be automatically enrolled at the time the lease is signed in the insurance for repayment of the lease deposit specified in the lease.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 185 associated with the real estate comprehensive management account opening system in response to the tenant. It is preferable to comprise at least one or more.

The lease contract information includes an owner (ie, a landlord) of a target building (or building) that has entered into the comprehensive real estate management contract, and a customer (ie, a tenant) who wants to lease a portion (or all) of the building (or building). It is preferable that the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile phone number, mail address, etc.) of the customer (ie, the landlord), and the customer. (Ie, the landlord) member information (e.g., the customer (i.e., the landlord) by joining the financial transaction customer (i.e., the landlord) of the financial institution corresponding to the customer (i.e. the landlord) the real estate comprehensive management account) It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided on the financial system 185 associated with the establishment system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

According to an embodiment of the present invention, the storage medium 190 is provided in a DBMS on a financial system 185 provided on the real estate comprehensive management account opening system (or associated with the real estate comprehensive management account opening system). Preferably, the storage medium 190 is ledger D / B (180) provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B (180) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 190 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the real estate management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial company server 100 provided on the real estate comprehensive management account opening system according to the present invention is a generic term for components of the real estate comprehensive management account opening system side connected to the terminal device 195 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an exemplary embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 185. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 185, and / or a program provided in the external system on the financial system 185, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 manages the real estate comprehensive management finance. For a building (or building) to which a service contract is concluded, an application for opening a real estate management account created by the customer through a predetermined image acquisition device provided in the terminal device 195 for providing comprehensive real estate management service Generate (or extract) at least one user interface for acquiring image content, inputting (or selecting) real estate comprehensive management account opening request information corresponding to the real estate comprehensive management account opening application, and transmitting the same to the financial institution server 100. And provide the generated (or extracted) user interface to the terminal device 195 in association with the interface unit 105. When the interface providing unit 110 and the terminal device 195 input (or select) real estate comprehensive management account opening request information corresponding to the real estate comprehensive management account opening application through the user interface, the interface is provided. An information receiving unit 115 for receiving the real estate comprehensive management account opening request information transmitted from the terminal device 195 in association with the unit 105, and a predetermined image based on the user interface in the terminal device 195; When the image content corresponding to the real estate comprehensive management account opening application prepared by the customer is obtained and transmitted through an acquisition device, the image receives the image content corresponding to the real estate comprehensive management account opening application in connection with the interface unit 105. Characterized in that it comprises a receiving unit 120.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then comprehensively manages the real estate with the financial institution server 100. When a user interface for providing a comprehensive real estate management service is requested to a building (or a building) to which a financial service contract is concluded, the real estate synthesized by the customer through a predetermined image acquisition device included in the terminal device 195 is requested. Acquire image contents corresponding to the application for opening a management account, input (or select) real estate comprehensive management account opening request information corresponding to the application for opening a real estate management account, and transmit the information to the financial company server 100 through the financial network. Create one or more user interfaces that can be used to extract and / or extract from a database (not shown) In association with, the interface unit 105 to the generated user interface (or extraction) it is characterized in that provided in the terminal device 195 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the real estate comprehensive management account opening application prepared by the customer through a predetermined image acquisition device, and corresponds to the real estate comprehensive management account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) information for opening a real estate comprehensive management account to be transmitted to the financial institution server 100 through the financial network is provided, Acquire the image content corresponding to the real estate comprehensive management account opening application prepared by the customer through a predetermined image acquisition device as described above, and input (or select) real estate comprehensive management account opening request information corresponding to the real estate comprehensive management account opening application. User to transmit to the financial institution server 100 by Generating the face (or extracted) by the interface providing unit 110 to provide to the terminal device 195 and the mubang be omitted, to which the present invention is not limited.

Thereafter, the terminal device 195 stores at least the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the user interface. Input (or select) the real estate comprehensive management account opening request information including one or more, and transmits the input (or selected) the real estate comprehensive management account opening request information to the financial company server 100 through the financial network, Correspondingly, the information receiving unit 115 receives the real estate comprehensive management account opening request information transmitted from the terminal device 195 in association with the interface unit 105.

In addition, the terminal device 195 obtains the image content corresponding to the application for opening a real estate comprehensive management account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is transferred to the financial network. The image receiving unit 120 is connected to the interface unit 105 to receive the image content corresponding to the real estate comprehensive management account opening application in response thereto. .

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image content corresponding to the application for opening a real estate comprehensive management account created by the customer through a predetermined image acquisition device and is provided to the terminal device 195. When the terminal device 195 is previously stored in the predetermined (or associated) storage device, the terminal device 195 may register an application for opening a real estate management account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select the image content corresponding to the transmission to the financial institution server 100 through the financial network, in response to the image receiving unit 120 in connection with the interface unit 105 in the real estate comprehensive management account opening application form It is desirable to receive the corresponding image content.

According to another exemplary embodiment of the present invention, the real estate synthesis corresponding to the real estate comprehensive management account opening application and the image content corresponding to the real estate comprehensive management account opening application created by the customer through the user interface in the terminal device 195. When the management account opening request information is transmitted together, the information receiving unit 115 receives the image content corresponding to the application for opening the real estate comprehensive management account and the real estate comprehensive management account opening request information together with the interface unit 105. It is possible to (for example, the image receiving unit 120 is integrated into the information receiving unit 115 operating), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution server 100 receives the real estate comprehensive management account establishment request information transmitted from the terminal device 195 through the information receiver 115, the financial institution server 100 opens the received real estate comprehensive management account. The request information is characterized in that it comprises a validity check unit 125 for confirming whether the property (or building) to which the real estate comprehensive management financial service contract is concluded, satisfies the validity for providing the real estate comprehensive management service.

According to an embodiment of the present invention, the validity of the real estate comprehensive management account opening request information is confirmed in the real estate comprehensive management account in the ledger D / B 180 on the financial system 185 linked to the real estate comprehensive management account opening system It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the real estate comprehensive management account opening request information is the information contained in the real estate comprehensive management account opening request information, the customer information (customer personal information, member information, etc.) is the real estate comprehensive management account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the financial system 185 associated with.

In addition, the verification of the validity of the real estate comprehensive management account opening request information, the building (or building) information of the information contained in the real estate comprehensive management account opening request information, the financial system associated with the real estate comprehensive management account opening system ( It is preferably made to include matching with the building ledger (or separate building management D / B) stored in the ledger D / B 180 on 185.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and comprehensively manages the real estate through the validity checking unit 125. When the validity of the account opening request information is authenticated, an electronic document generation unit 130 for generating a predetermined electronic property management application opening application electronic document including the received image content and the created real estate comprehensive management account opening And an electronic document transmission unit 135 for transmitting the electronic document to the electronic document repository associated with the real estate comprehensive management account opening system.

The electronic document generation unit 130 generates an electronic property real estate management account opening request electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generation unit 130 stores the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is the real estate comprehensive management finance For buildings (or buildings) with a service contract, it is preferable to process the electronic document to apply for opening a real estate comprehensive management account to provide comprehensive real estate management services.

Alternatively, the electronic document generation unit 130 may display the image content received from the terminal device 195 through the image receiving unit 120 to the real estate comprehensive management account opening request information received through the information receiving unit 115. Include watermarking method of at least one of the included customer information (or landlord information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, lease contract information It is preferable to generate an electronic document for real estate comprehensive management account opening for providing real estate comprehensive management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, web document file including MHT), and the like. For a building (or building) to which a service contract has been concluded, it is preferable to generate an electronic document for applying for opening a real estate comprehensive management account to provide comprehensive real estate management services.

Alternatively, the electronic document generation unit 130 may display the image content received from the terminal device 195 through the image receiving unit 120 to the real estate comprehensive management account opening request information received through the information receiving unit 115. Watermarking method includes at least one of customer information (or landlord information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, lease information Generating at least one image content including at least one predetermined document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content; By generating a word processor file, or a web document file including MHT, the building (or It is desirable to generate an electronic document for the application for opening a real estate comprehensive management account for the real estate comprehensive management service.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the requested information for opening a comprehensive real estate management account; Or a web document file including an MHT), an electronic document for applying for opening a real estate comprehensive management account to provide a comprehensive real estate management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded. It is desirable to.

Alternatively, the electronic document generation unit 130 may display the image content received from the terminal device 195 through the image receiving unit 120 to the real estate comprehensive management account opening request information received through the information receiving unit 115. Watermarking method includes at least one or more of the included customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance agreement information, tenant information, lease contract information A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) is generated that generates image content and includes the generated image content and the real estate comprehensive management account opening request information. By generating a word processor file including at least one DOC or the like, or a web document file including an MHT). Management targets the financial services agreement is signed building (or buildings), it is desirable to create a comprehensive real estate management account opening application for electronic document management Comprehensive Real Estate Services.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 and the technical features to generate an electronic document for real estate comprehensive management account opening application of the image file format and / or predetermined document file format and The technical features of the file format for the image file and / or the document file corresponding to the electronic document for real estate comprehensive management account opening application will be familiar, so the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits the electronic document generation application for opening the real estate comprehensive management account created by the electronic document generation unit 130 to a predetermined electronic document repository associated with the real estate comprehensive management account opening system. It is characterized by storing.

As shown in FIG. 1, the electronic document repository is connected to a financial company server 100 on the real estate management account opening system and a predetermined electronic document server 155 and electronic document D / B ( 175, the electronic document transmission unit 135, the electronic document transmission unit 135 generated by the electronic document generation unit 130, the real estate comprehensive management account opening application electronic document generated by the electronic means through the communication means Characterized in that the transmission to the server (155).

Here, when the electronic document server 155 and the electronic document D / B 175 are provided outside the real estate comprehensive management account opening system, the electronic document server 155 and the electronic document D / B 175 are provided. ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the real estate comprehensive management account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. The electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the real estate comprehensive management account opening system can be stored, thereby limiting the present invention. Not.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, real estate synthesis corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155. Customer information on the application for opening a management account, and / or financial institution information for transmitting the electronic property management application opening document, and / or electronic document file format information, and / or the real estate management account opening request information, etc.) It is possible to further transmit to the electronic document storage including, thereby the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 includes the real estate comprehensive management account opening request information received through the information receiving unit 115 through the validity checking unit 125. If the validity for providing a comprehensive real estate management service for a building (or building) is certified, the customer information (or renter information) included in the validity of the real estate comprehensive management account opening request information, the building (or building) Information generation unit 140 for generating the financial account information based on the information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information and the financial information of the customer name including the financial account information It is characterized by comprising an account establishing unit 145 for opening an account.

When the validity of the real estate comprehensive management account opening request information is confirmed by the validity confirmation unit 125, the information generation unit 140 includes customer information (or renter information) included in the real estate comprehensive management account opening request information. The financial account information is generated based on building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information.

The financial account information may include an account number and an interest rate information corresponding to the real estate comprehensive management account opened based on the request for opening the real estate comprehensive management account. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

The account establishment unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 185 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the real estate comprehensive management account opening request information. A predetermined financial account for providing a comprehensive real estate management service is provided to a building (or a building) to which the real estate comprehensive management financial service contract is concluded.

According to an exemplary embodiment of the present invention, when the financial company server 100 and the financial system 185 exist in the same system, the account opening unit 145 is linked with the financial system 185 to ledger D / B. It is preferable to generate a predetermined account ledger including financial account information at 180.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist on another system connected through a predetermined communication means, the account opening unit 145 may use predetermined communication means. It is preferable to request the ledger D / B 180 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system on the financial system 185 through.

Referring to FIG. 1, the financial institution server 100 includes the real estate comprehensive management account opening request information received through the information receiving unit 115 through the validity checking unit 125. If the validity for providing a comprehensive real estate management service for a building (or building) is certified, the customer information, the building (or building) information, and the building (or Building) information storage unit 150 for storing real-time comprehensive management account information including at least one value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, lease contract information in a predetermined storage medium 190 It is characterized by comprising a).

When the validity confirmation unit 125 confirms the validity of the real estate comprehensive management account opening request information, the information storage unit 150 includes the customer information and the building (or the information included in the real estate comprehensive management account opening request information). Storing the real estate comprehensive management account information including at least one of building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information in the storage medium 190. Characterized in that.

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be configured as the storage medium 190. The customer information and building (or building) information, building (or building) value information, building (or building) value information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information included in the received real estate comprehensive management account opening request information It is preferable to store the real estate comprehensive management account information including at least one in the storage medium 190.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 185, the information storage unit 150 is applied to the received real estate management account opening request information. Comprehensive real estate management account including at least one of the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, renter information, lease information It is preferable to provide the information to the information system through the external system on the financial system 185 and to store the information in a DBMS provided on the financial system 185.

Referring to FIG. 1, a predetermined real estate comprehensive management account opening application electronic document is received from the financial institution server 100 provided on the real estate comprehensive management account opening system, and stored in a predetermined electronic document D / B 175. The managing electronic document server 155 includes an electronic document receiving unit 160 that receives a predetermined real estate comprehensive management account opening application electronic document from the financial institution server 100 through a predetermined communication means, and the received real estate comprehensive management. An information generation unit 165 for generating predetermined electronic document management information for storing and managing an account opening application electronic document in the electronic document D / B 175; and opening the electronic document management information and the real estate comprehensive management account. And an electronic document storage unit 170 for linking and processing the applied electronic document to a predetermined electronic document D / B 175.

The electronic document receiving unit 160 may receive an application for opening a real estate management account in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the real estate comprehensive management account opening request electronic document received through the communication means, the image being received by the financial institution server 100 from the terminal device 195. It is preferable that the image file including the content is included as it is.

Alternatively, the electronic document receiving unit 160 receives the real estate comprehensive management account opening request electronic document received through the communication means, the real estate comprehensive management on the image content received by the financial institution server 100 from the terminal device 195. Watermarking at least one or more of customer information (or renter information), building (or building) information, real estate management contract information, automatic insurance agreement consent information, tenant information, and lease contract information included in the account opening request information. It is preferable to include an image file corresponding to the image content to be included in the) method.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the real estate comprehensive management account opening request electronic document received through the communication means, which the financial institution server 100 receives from the terminal device 195. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the electronic document receiving unit 160 receives the real estate comprehensive management account establishment request electronic document received through the communication means, the real estate comprehensive management account on the image content received by the financial institution server 100 from the terminal device 195. Watermarking at least one or more of customer information (or renter information), building (or building) information, real estate management contract information, auto insurance agreement information, tenant information, and lease information included in the opening request information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing image content included in a manner, or MHT It is preferable that the web document file including a).

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the real estate comprehensive management account opening request electronic document received through the communication means from the financial institution server 100 from the terminal device 195. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including an image content and the request for opening the real estate comprehensive management account. Word processor files, or web document files containing MHT).

Alternatively, the electronic document receiving unit 160 receives the real estate comprehensive management account establishment request electronic document received through the communication means, the real estate comprehensive management account on the image content received by the financial institution server 100 from the terminal device 195. Watermarking at least one or more of customer information (or renter information), building (or building) information, real estate management contract information, auto insurance agreement information, tenant information, and lease information included in the opening request information. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the image contents and the real estate management account opening request information Or a web document file including the MHT).

The information generating unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the real estate comprehensive management account opening request electronic document received through the electronic document receiving unit 160, and the electronic document receiving unit 160 Electronic document management information including electronic document storage date and time information including the date and time (or the date and time the real estate comprehensive management account opening application electronic document was stored) received the real estate comprehensive management account opening application electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 165 refers to the real estate agent management server 100 that has received the electronic document real estate management account opening request electronic document received through the electronic document receiving unit 160 for the real estate. It is preferable to check the financial institution that has sent the electronic document opening application electronic document management information, and generate the electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160, the information generating unit 165 may receive the received electronic document. Document-related information (e.g., customer information for which an application for opening a real estate comprehensive management account corresponding to the image content is made; and / or financial institution information for transmitting the real estate comprehensive management account opening application electronic document, and / or electronic document file format information). And / or the real estate comprehensive management account opening request information, etc.).

The electronic document storage unit 170 processes the electronic document management information generated through the information generation unit 165 and the electronic document management application for real estate comprehensive management account opening received through the electronic document receiving unit 160 to a predetermined value. The electronic document is stored in the D / B 175.

According to an embodiment of the present invention, the electronic document storage unit 170 stores the electronic document D / B (175) real estate comprehensive management account opening application electronic document is the financial company server 100 is the terminal device ( It is preferable that the image file including the image content received from the 195 is included as it is.

Alternatively, the electronic document storage unit 170 stores the electronic document D / B 175 in an application for opening a real estate comprehensive management account opening image that the financial company server 100 receives from the terminal device 195. At least one or more of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, lease contract information included in the real estate comprehensive management account opening request information in the content It is preferable to include an image file corresponding to the image content including the information in a watermarking manner.

According to another embodiment of the present invention, the electronic document storage unit 170 is stored in the electronic document D / B (175) real estate comprehensive management account opening application electronic document is the financial company server 100 the terminal device A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from 195; Or a web document file including the MHT).

Alternatively, the electronic document storage unit 170 stores the electronic document D / B 175 in an application for opening a real estate comprehensive management account opening image content received by the financial institution server 100 from the terminal device 195. At least one or more of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, lease contract information included in the real estate comprehensive management account opening request information At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the image content including the watermarking method in a watermarking manner. Word processor files, or web document files containing MHT).

According to another embodiment of the present invention, the electronic document storage unit 170 stores the electronic document D / B (175) real estate comprehensive management account opening application electronic document is the financial company server 100 is the terminal A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the device 195 and the real estate management account opening request information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the electronic document storage unit 170 stores the electronic document D / B 175 in an application for opening a real estate comprehensive management account opening image content received by the financial institution server 100 from the terminal device 195. At least one or more of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, lease contract information included in the real estate comprehensive management account opening request information A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) including image content including a watermarking method and information on opening the property management account. / DOC, or at least one word processor file, or a web document file containing the MHT, etc.) .

According to the implementation method of the present invention, the electronic document storage unit 170, the electronic document management information stored in the electronic document D / B (175) in association with the real estate comprehensive management account opening application electronic document, the real estate It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the electronic document to open the comprehensive management account and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic document management information stored in the electronic document D / B 175 in association with the electronic document real estate management account opening request electronic document, the The financial institution server 100 that has transmitted the electronic document for real estate comprehensive management account opening application preferably includes financial institution information for transmitting the electronic document for real estate comprehensive management account opening application.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 170 processes the link with the electronic document opening application electronic document opening application. The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, customer information for preparing an application for opening a real estate comprehensive management account corresponding to the image content, and / or the Financial institution information, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information, etc.) for transmitting the electronic document for real estate comprehensive management account opening.

2 illustrates an implementation method in which a storage medium 190 for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system 185. Figure is shown.

In more detail, in FIG. 2, the storage medium 190 shown in FIG. 1 is the ledger D / B 180 provided in the DBMS on the financial system 185 or the ledger D / B 180 is provided in the ledger D / B 180. In this case, the information structure for an embodiment of the method for storing the real estate comprehensive management account information in the ledger information provided in the ledger D / B (180), the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer a variety of information configuration method for storing the real estate comprehensive management account information in the ledger D / B (180) by referring to and / or modified in this figure 2, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 180 provided in the DBMS on the financial system 185 is associated with a predetermined customer ledger and the customer ledger. An account ledger corresponding to a financial account opened through the real estate comprehensive management account opening system shown in FIG. 1 and at least one or more information associated with the account ledger are included. If the person with knowledge, the ledger D / B 180 provided in the DBMS on the financial system 185 has at least one ledger (for example, a reception ledger, a loan ledger, And / or at least one additional information for maintaining and managing the ledgers. Since you will be familiar with the technical matters, a detailed description thereof will be omitted.

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

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

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

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

Referring to FIG. 2, the storage medium 190 is the ledger D / B 180, or includes an implementation method provided in the ledger D / B 180. The customer and building (or building) information, building (or building) value information, real estate management contract information, and the like contained in the real estate management account opening request information provided through the real estate management account opening system shown in FIG. Real estate comprehensive management account information including at least one insurance subscription information, tenant information, lease contract information is stored in the form of additional information added to the account ledger.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable that the insurance for repaying the lease specified in the lease agreement is included in the agreement information set to be automatically enrolled at the time the lease is concluded.

The tenant information includes the tenant's personal information (eg, the tenant's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the tenant's member information (eg, the tenant is a financial transaction of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 185 linked to the real estate comprehensive management account opening system in response to the tenant by joining as a customer; It is preferable to include at least one.

The lease contract information includes an owner (ie, a landlord) of a target building (or building) that has entered into the comprehensive real estate management contract, and a customer (ie, a tenant) who wants to lease a portion (or all) of the building (or building). It is preferable that the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, the landlord), and the customer ( That is, the real estate comprehensive management account is opened in response to the customer (ie, the landlord) by registering the member information of the landlord (eg, the landlord) as the financial transaction customer (ie, the landlord) of the financial institution. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185 associated with the system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

According to another embodiment of the present invention, the real estate comprehensive management account opening request information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Additional information added to the), and / or in addition to the account ledger can be stored in the form of a separate independent ledger, thereby the present invention is not limited.

3 is a ledger D provided in a DBMS on a financial system 185 having a storage medium 190 for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method including a database associated with / B 180.

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 190 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 180 provided in the DBMS on the financial system 185. FIG. 3 illustrates an information structure for a person having ordinary knowledge in the technical field to which the present invention pertains. Referring to FIG. 3 and / or modified with reference to FIG. It is possible to infer various information configuration methods for storing in association with 180, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, it is not easy to store the real estate comprehensive management account information in the ledger information of the ledger D / B 180 on the DBMS provided on the financial system 185 (for example, the policy of a financial institution). If it is not easy to change the ledger D / B 180 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 185), the predetermined database instead of the ledger D / B 180 It shows an implementation method for storing the real estate comprehensive management account information, and the database and the ledger D / B (180) linked to process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 185 as in the embodiment method shown in FIG. 3, and the database on the Internet banking system according to the intention of the skilled person, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 190 includes a database associated with the ledger D / B 180 provided in the DBMS on the financial system 185. At least the customer information, the building (or building) information, the building (or building) value information, the real estate comprehensive management contract information, the automatic insurance subscription agreement information, the tenant information, and the lease contract information included in the real estate comprehensive management account opening request information. And storing the real estate comprehensive management account information including one or more, wherein the real estate comprehensive management account information corresponds to the ledger information in the real estate comprehensive management account information to be processed in connection with the ledger D / B 180. It is preferable to further comprise a CIF number.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable that the insurance for repaying the lease specified in the lease agreement is included in the agreement information set to be automatically enrolled at the time the lease is concluded.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 185 associated with the real estate comprehensive management account opening system in response to the tenant. It is preferable to include at least one.

The lease contract information includes an owner (ie, a landlord) of a target building (or building) that has entered into the comprehensive real estate management contract, and a customer (ie, a tenant) who wants to lease a portion (or all) of the building (or building). It is preferable that the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, the landlord), and the customer ( That is, the real estate comprehensive management account is opened in response to the customer (ie, the landlord) by registering the member information of the landlord (eg, the landlord) as the financial transaction customer (ie, the landlord) of the financial institution. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185 associated with the system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

Figure 4 is an implementation method comprising a DBMS provided in the banking server storage medium 190 for storing the real estate comprehensive management account information corresponding to the real estate comprehensive management account opened in a face-to-face according to another embodiment of the present invention Figure is a diagram.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 190 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer the information configuration method for the real estate comprehensive management account information stored in a predetermined DBMS, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 190 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server opens the real estate comprehensive management account. Comprehensive real estate including at least one of the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, auto insurance agreement information, tenant information, lease information included in the request information Characterized in that for storing the management account information.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable that the insurance for repaying the lease specified in the lease agreement is included in the agreement information set to be automatically enrolled at the time the lease is concluded.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 185 associated with the real estate comprehensive management account opening system in response to the tenant. It is preferable to comprise at least one or more.

The lease contract information includes the owner (ie, the landlord) of the target building (or building) that has entered into the real estate management agreement, and the customer (ie, the tenant) who wants to lease some (or all) of the building (or building). Preferably, the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, the landlord), and the customer ( That is, the real estate comprehensive management account is opened in response to the customer (ie, the landlord) by registering the member information of the landlord (eg, the landlord) as the financial transaction customer (ie, the landlord) of the financial institution. It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 185 associated with the system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

5A and 5B illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) in which a real estate comprehensive management financial service contract is concluded in a face-to-face manner according to an embodiment of the present invention. One drawing.

5a and 5b show the terminal device 195 on the real estate comprehensive management account opening system shown in FIG. 1 at the financial institution branch (or branch), and the financial company server 100 In the case of having a ledger server (not shown) function on the financial system 185 linked to a counter terminal through a predetermined financial network, a predetermined customer may select a building (or building) to which a real estate comprehensive management financial service contract is concluded. For the purpose of opening a comprehensive real estate management account for providing comprehensive real estate management services, customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement After completing and submitting an application for opening a real estate comprehensive management account containing at least one piece of information, the financial institution may open a new real estate comprehensive management account. The present invention relates to a system for opening and processing a comprehensive real estate management account on a face-to-face basis. Specifically, when the customer prepares an application for opening the real estate comprehensive management account and submits it to the counter, a predetermined image acquisition device is provided at the counter terminal. After obtaining the predetermined image content corresponding to the application for opening the real estate comprehensive management account through the financial institution server 100, and inputs the request for opening the real estate comprehensive management account corresponding to the real estate comprehensive management account opening application ( Or select) and transmit it to the financial institution server 100, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant in the financial institution server 100 The real estate comprehensive management account including at least one information, lease contract information Based on the request information shows an exemplary method for processing open the property comprehensive management account.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b to register the real estate comprehensive management account opening request information with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, although the implementation method illustrated in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the application for opening a real estate comprehensive management account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the application for opening the real estate comprehensive management account through a predetermined image acquisition device. Although the user interface for obtaining and inputting (or selecting) real estate comprehensive management account opening request information corresponding to the real estate comprehensive management account opening application is illustrated and provided as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, a customer (or a building) or a building (or a building) may be provided to a predetermined customer to provide a comprehensive real estate management service to a building (or building) to which a comprehensive real estate financial services contract is concluded. 1) After completing and submitting an application for opening a real estate comprehensive management account including at least one information, real estate comprehensive management contract information, auto insurance subscription agreement information, tenant information, and lease contract information, the counter terminal shown in FIG. Comprehensive real estate management services for buildings (or buildings) for which real estate comprehensive management financial service contracts corresponding to the real estate comprehensive management account opening application are concluded, while a predetermined communication channel is connected to the server through a financial network. If the user interface for the request is requested (500), the server corresponding to the predetermined image in the terminal A user interface for acquiring and transmitting a predetermined image content corresponding to the application for opening a real estate management account created by the customer through a digital data acquisition device and transmitting it to the server (505); The generated (or extracted) user interface is transmitted to the terminal and output (510).

Thereafter, the terminal acquires image content corresponding to the application for opening the real estate comprehensive management account through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the application for opening a real estate management account is obtained through the image acquisition device (520), the terminal transmits the acquired image content to the server through the financial network (525).

Thereafter, the server corresponds to customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and the like corresponding to the real estate comprehensive management account opening application matching the image content. Generate (or extract) a user interface for inputting (or selecting) real estate comprehensive management account opening request information including at least one lease contract information to the server (530), and generating the user interface through the financial network ( Alternatively, the extracted user interface is transmitted to the terminal and output (535).

Thereafter, the terminal includes at least one of the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the user interface. Input (or select) the request information for opening the real estate comprehensive management account (540).

If through the user interface real estate comprehensive management account including at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease information When the opening request information is input (or selected) (545), the terminal transmits the input (or selection) of the real estate comprehensive management account opening request information to the server through the financial network (550).

Subsequently, the server includes at least one of the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the financial network. The validity of the real estate comprehensive management account opening request information is confirmed by receiving and reading the real estate comprehensive management account opening request information (555).

According to an embodiment of the present invention, the validity of the real estate comprehensive management account opening request information is confirmed in the real estate comprehensive management account in the ledger D / B 180 on the financial system 185 linked to the real estate comprehensive management account opening system It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the real estate comprehensive management account opening request information is the information contained in the real estate comprehensive management account opening request information, the customer information (customer personal information, member information, etc.) is the real estate comprehensive management account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the financial system 185 associated with.

In addition, the verification of the validity of the real estate comprehensive management account opening request information, the building (or building) information of the information contained in the real estate comprehensive management account opening request information, the financial system associated with the real estate comprehensive management account opening system ( It is preferably made to include matching with the building ledger (or separate building management D / B) stored in the ledger D / B 180 on 185.

If the validity of the real estate comprehensive management account opening request information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), the real estate comprehensive management account opening request information Do not perform the corresponding real estate management account opening procedure.

On the other hand, if the validity of the real estate comprehensive management account opening request information is authenticated (560), the server generates a predetermined real estate comprehensive management account opening application electronic document including the image content (570).

According to the exemplary embodiment of the present invention, the server is a building in which the real estate comprehensive management financial service contract is concluded as it is, the image file including the image content received from the terminal device 195 through the image receiving unit 120. (Or building), it is preferable to process the electronic document to apply for the opening of a comprehensive real estate management account to provide comprehensive real estate management services.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120 (or Image corresponding to an image content including at least one or more of a landlord information, a building (or building) information, a comprehensive real estate management contract information, an automatic insurance subscription agreement information, a tenant information, and a lease contract information in a watermarking manner. It is preferable to generate an electronic document for applying for opening a real estate comprehensive management account for a real estate comprehensive management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for applying for opening a real estate comprehensive management account for (or building) a real estate comprehensive management service.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120 (or To generate image content including at least one or more of a tenant information, a building (or building) information, a comprehensive real estate management contract information, an automatic insurance subscription agreement information, a tenant information, and a lease contract information in a watermarking manner, A predetermined document file including the generated image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. By generating a web document file, etc.), the building (or building) to which the real estate management financial services contract is concluded It is desirable to create a comprehensive real estate management account opening application for electronic document management services provide a comprehensive real estate.

According to another exemplary embodiment of the present invention, the server opens the real estate comprehensive management account received through the image receiving unit 120 and the image content received from the terminal device 195. A document file including request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an electronic document for real estate comprehensive management account opening for providing real estate comprehensive management service to the building (or building) to which the real estate comprehensive management financial service contract is concluded.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120 (or To generate image content including at least one or more of a tenant information, a building (or building) information, a comprehensive real estate management contract information, an automatic insurance subscription agreement information, a tenant information, and a lease contract information in a watermarking manner, At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content and the real estate comprehensive management account opening request information. Generating a word processor file or a web document file including MHT) The contract's subject to a building (or buildings), it is desirable to create a comprehensive real estate management account opening application for electronic document management Comprehensive Real Estate Services.

If the person skilled in the art of the present invention belongs to the technical features that the server generates a real estate comprehensive management account open application electronic document in the image file format and / or a predetermined document file format, and the real estate comprehensive management account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic property management application opening application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the real estate comprehensive management account opening system through predetermined communication means. When the server is externally provided, the server transmits the generated real estate comprehensive management account opening application electronic document to the electronic document server 155 through the communication means and stores the electronic document in the electronic document D / B 175. It is desirable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the real estate comprehensive management account opening system, the server may include the generated real estate comprehensive management account opening application electronic document in the real estate comprehensive management account opening system. It is possible to store in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS, by which the present invention is not limited.

According to the method of the present invention, storing the real estate comprehensive management account opening application electronic document in the electronic document storage, the generated real estate comprehensive management account opening application electronic document and the predetermined electronic document management information by the linkage processing It is preferable to include storing in the electronic document D / B (175) shown in FIG.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which an application for opening a real estate comprehensive management account opening corresponding to the image content is made, and / or an electronic document for opening an application for opening a real estate comprehensive management account). Agency information, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information, etc.).

If the electronic document storage application electronic document for opening the real estate comprehensive management account is stored (580), the server includes the customer information (or renter information) included in the real estate comprehensive management account opening request information, building (or building) information In operation 585, the financial account information is generated based on the real estate comprehensive management contract information, the automatic insurance subscription agreement information, the tenant information, and the lease contract information.

The financial account information may include an account number and an interest rate information corresponding to the real estate comprehensive management account opened based on the request for opening the real estate comprehensive management account. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 185, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription included in the real estate comprehensive management account opening request information A financial account of the customer's name including the financial account information is opened based on the consent information, the tenant information, and the lease contract information (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby realizing the real estate comprehensive management account opening request information. In response to the building (or building) to the real estate comprehensive management financial services contract is concluded, a predetermined financial account for providing a real estate comprehensive management service is characterized in that the opening process.

When the server and the financial system 185 exist in the same system according to an exemplary embodiment of the present invention, the server may link the financial account information to the ledger D / B 180 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is configured on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 180 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server includes the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, included in the real estate comprehensive management account opening request information, The real estate comprehensive management account information including at least one lease contract information is generated and stored in the predetermined storage medium 190 (595).

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the server or on a network connected with the server, the server includes the received real estate comprehensive management account opening request information. And store the real estate management account information including at least one of customer information, building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is desirable to store in the medium 190.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 185, the server includes the customer information included in the received real estate management account opening request information. The financial system includes real estate comprehensive management account information including at least one of building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is preferable to provide the information system through the external system on the 185 and store it in the DBMS provided on the financial system 185.

Thereafter, the server may store predetermined financial account opening history information (eg, the real estate comprehensive management account opening history, and / or the details of storing the real estate comprehensive management account opening application electronic document in the electronic document repository, and / or the storage). The details of storing the real estate comprehensive management account opening request information on the medium 190) are generated (or extracted) and transmitted to the terminal (599).

According to an embodiment of the present invention, the storage medium 190 is provided in a DBMS on a financial system 185 provided on the real estate comprehensive management account opening system (or associated with the real estate comprehensive management account opening system). Preferably, the storage medium 190 is ledger D / B (180) provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B (180) The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 190 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the real estate management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or a building) in which a real estate comprehensive management financial service contract is concluded in a face-to-face manner according to another embodiment of the present invention. Figure is shown.

6a and 6b show the terminal device 195 on the real estate integrated management account opening system shown in FIG. 1 as a window terminal provided at a financial institution branch (or a branch), and the financial company server 100 In the case of having a ledger server (not shown) function on the financial system 185 linked to a counter terminal through a predetermined financial network, a predetermined customer may select a building (or building) to which a real estate comprehensive management financial service contract is concluded. For the purpose of opening a comprehensive real estate management account for providing comprehensive real estate management services, customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement After completing and submitting an application for opening a real estate comprehensive management account containing at least one piece of information, the financial institution may open a new real estate comprehensive management account. A system for opening and processing a real estate comprehensive management account on a face-to-face basis, specifically, when the customer completes the application for opening the real estate comprehensive management account and submits it to the counter, the counter terminal provides the real estate comprehensive management account. After inputting (or selecting) real estate comprehensive management account opening request information corresponding to the opening application to the financial institution server 100, a predetermined image corresponding to the real estate comprehensive management account opening application through a predetermined image acquisition device When the content is obtained and transmitted to the financial institution server 100, the financial institution server 100, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenants The real estate comprehensive management account including at least one information, lease contract information Based on the request information shows an exemplary method for processing open the property comprehensive management account.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b to register the real estate comprehensive management account opening request information with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the implementation method illustrated in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the application for opening a real estate management account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the application for opening the real estate comprehensive management account through a predetermined image acquisition device. Although the user interface for obtaining and inputting (or selecting) real estate comprehensive management account opening request information corresponding to the real estate comprehensive management account opening application is illustrated and provided as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal For convenience, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement information transmitted to the financial company server 100 is opened for convenience. Request information ".

Referring to FIGS. 6A and 6B, a customer (or a building) or a building (or a building) may be provided to a predetermined customer to provide a comprehensive real estate management service to a building (or building) to which a real estate comprehensive financial services contract is concluded. ) Fill out and submit the application form for opening a comprehensive real estate management account including at least one information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information. Real estate comprehensive management for buildings (or buildings) with real estate comprehensive management financial services contracts corresponding to the application for opening a real estate comprehensive management account, with a predetermined communication channel connected to the server through a financial network of When a user interface for providing a service is requested (600), the server correspondingly, the server is floating Comprehensive real estate management including at least one of customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription consent information, tenant information, lease contract information corresponding to the application for opening a comprehensive management account Create (or extract) a user interface for inputting (or selecting) account opening request information to the server (605), and transmitting the generated (or extracted) user interface to the terminal through the financial network. Output 610.

Thereafter, the terminal includes at least one of the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the user interface. Input (or select) the request information for opening the real estate comprehensive management account (615).

If through the user interface real estate comprehensive management account including at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease information When the opening request information is input (or selected) (620), the terminal transmits the input (or selection) of the real estate comprehensive management account opening request information to the server through the financial network (625).

Subsequently, the server includes at least one of the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the financial network. Receiving and reading the real estate comprehensive management account opening request information to check the validity of the real estate comprehensive management account opening request information (630).

According to an embodiment of the present invention, the validity of the real estate comprehensive management account opening request information is confirmed in the real estate comprehensive management account in the ledger D / B 180 on the financial system 185 linked to the real estate comprehensive management account opening system It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the real estate comprehensive management account opening request information is the information contained in the real estate comprehensive management account opening request information, the customer information (customer personal information, member information, etc.) is the real estate comprehensive management account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the financial system 185 associated with.

In addition, the verification of the validity of the real estate comprehensive management account opening request information, the building (or building) information of the information contained in the real estate comprehensive management account opening request information, the financial system associated with the real estate comprehensive management account opening system ( It is preferably made to include matching with the building ledger (or separate building management D / B) stored in the ledger D / B 180 on 185.

If the validity of the real estate comprehensive management account opening request information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640), and the real estate comprehensive management account opening request information Do not perform the corresponding real estate management account opening procedure.

On the other hand, if the validity of the real estate comprehensive management account opening request information is authenticated (635), the server receives a predetermined image content corresponding to the real estate comprehensive management account opening application created by the customer through a predetermined image acquisition device in the terminal; A user interface for obtaining and transmitting to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image contents corresponding to the application for opening the real estate comprehensive management account through a predetermined image acquisition device based on the user interface (655).

If the image content corresponding to the application for opening the real estate comprehensive management account is acquired through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the real estate comprehensive management account establishment request information and the image contents from the terminal generates a predetermined electronic property management application opening application document including the image contents (670).

According to the exemplary embodiment of the present invention, the server is a building in which the real estate comprehensive management financial service contract is concluded as it is, the image file including the image content received from the terminal device 195 through the image receiving unit 120. (Or building), it is preferable to process the electronic document to apply for the opening of a comprehensive real estate management account to provide comprehensive real estate management services.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120 ( Or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, or lease contract information in a watermarking manner. It is preferable to generate an electronic document for applying for opening a real estate comprehensive management account for providing real estate comprehensive management services to a building (or building) to which the real estate comprehensive management financial service contract is concluded.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for applying for opening a real estate comprehensive management account for (or building) a real estate comprehensive management service.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120 (or To generate image content including at least one or more of a tenant information, a building (or building) information, a comprehensive real estate management contract information, an automatic insurance subscription agreement information, a tenant information, and a lease contract information in a watermarking manner, A predetermined document file including the generated image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. By generating a web document file, etc.), the building (or building) to which the real estate management financial services contract is concluded Therefore, it is desirable to generate an electronic document for applying for real estate comprehensive management account for real estate comprehensive management service.

According to another exemplary embodiment of the present invention, the server opens the real estate comprehensive management account received through the image receiving unit 120 and the image content received from the terminal device 195. A document file including request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an electronic document for real estate comprehensive management account opening for providing real estate comprehensive management service to the building (or building) to which the real estate comprehensive management financial service contract is concluded.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120 ( Or an image content including at least one or more of renter information, building (or building) information, real estate management agreement information, auto insurance agreement information, tenant information, and lease agreement information in a watermarking manner. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the generated image content and the real estate comprehensive management account opening request information. Generating the word processor file or the web document file including the MHT). The contract's subject to a building (or buildings), it is desirable to create a comprehensive real estate management account opening application for electronic document management Comprehensive Real Estate Services.

If the person skilled in the art of the present invention belongs to the technical features that the server generates a real estate comprehensive management account open application electronic document in the image file format and / or a predetermined document file format, and the real estate comprehensive management account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated real estate comprehensive management account opening application electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the real estate comprehensive management account opening system through predetermined communication means. When the server is externally provided, the server transmits the generated real estate comprehensive management account opening application electronic document to the electronic document server 155 through the communication means and stores the electronic document in the electronic document D / B 175. It is preferable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the real estate comprehensive management account opening system, the server may include the generated real estate comprehensive management account opening application electronic document in the real estate comprehensive management account opening system. It is possible to store in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS, by which the present invention is not limited.

According to the method of the present invention, storing the real estate comprehensive management account opening application electronic document in the electronic document storage, the generated real estate comprehensive management account opening application electronic document and the predetermined electronic document management information by the linkage processing It is preferable to include storing in the electronic document D / B (175) shown in FIG.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which an application for opening a real estate comprehensive management account opening corresponding to the image content is made, and / or an electronic document for opening the real estate comprehensive management account opening application). Agency information, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information, etc.).

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server is the customer information (or renter information) included in the real estate management account opening request information, building (or building) information In operation 685, the financial account information is generated based on the real estate comprehensive management contract information, the automatic insurance subscription agreement information, the tenant information, and the lease contract information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the real estate comprehensive management account opened based on the real estate comprehensive management account opening request information. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 185, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription included in the real estate comprehensive management account opening request information A financial account of the customer's name including the financial account information is opened based on the consent information, the tenant information, and the lease contract information (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby realizing the real estate comprehensive management account opening request information. In response to the building (or building) to the real estate comprehensive management financial services contract is concluded, a predetermined financial account for providing a real estate comprehensive management service is characterized in that the opening process.

When the server and the financial system 185 exist in the same system according to an exemplary embodiment of the present invention, the server may link the financial account information to the ledger D / B 180 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 180 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server includes the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, included in the real estate comprehensive management account opening request information, The real estate comprehensive management account information including at least one lease contract information is generated and stored in the predetermined storage medium 190 (695).

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the server or on a network connected with the server, the server includes the received real estate comprehensive management account opening request information. And store the real estate management account information including at least one of customer information, building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is desirable to store in the medium 190.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 185, the server includes the customer information included in the received real estate management account opening request information. The financial system includes real estate comprehensive management account information including at least one of building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is preferable to provide the information system through the external system on the 185 and store it in the DBMS provided on the financial system 185.

Thereafter, the server may store predetermined financial account opening history information (eg, the real estate comprehensive management account opening history, and / or the details of storing the real estate comprehensive management account opening application electronic document in the electronic document repository, and / or the storage). A history of storing the real estate comprehensive management account opening request information on the medium 190 is generated (or extracted) and transmitted to the terminal (699).

According to an embodiment of the present invention, the storage medium 190 is provided in a DBMS on a financial system 185 provided on the real estate comprehensive management account opening system (or associated with the real estate comprehensive management account opening system). Preferably, the storage medium 190 is ledger D / B (180) provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B (180) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 190 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the real estate management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) in which a real estate comprehensive management financial service contract is concluded in a face-to-face manner according to another embodiment of the present invention. Figure is a diagram.

In more detail, FIGS. 7A and 7B are window terminals provided with a terminal device 195 on the real estate management account opening system shown in FIG. 1 at a financial institution branch (or a branch), and the financial company server 100 In the case of having a ledger server (not shown) function on the financial system 185 linked to a counter terminal through a predetermined financial network, a predetermined customer may select a building (or building) to which a real estate comprehensive management financial service contract is concluded. In order to open a comprehensive real estate management account for providing comprehensive real estate management services, customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription information, tenant information, lease After completing and submitting an application for opening a real estate comprehensive management account including at least one piece of contract information, the financial institution may open a new real estate comprehensive management account. The present invention relates to a system for opening and processing a comprehensive real estate management account on a face-to-face basis. Specifically, when the customer prepares an application for opening the real estate comprehensive management account and submits it to the counter, a predetermined image acquisition device is provided at the counter terminal. Acquire predetermined image contents corresponding to the application for opening the real estate comprehensive management account through the input, input (or select) real estate comprehensive management account opening request information corresponding to the application for opening the real estate comprehensive management account, and then When the real estate comprehensive management account opening request information is transmitted to the financial institution server 100, the financial institution server 100, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance Include at least one consent form, tenant information, and lease agreement information Illustrates an exemplary method for processing open the property comprehensive management account, based on the comprehensive property management account opening request information.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to register the real estate comprehensive management account establishment request information with the financial company server 100 at the window terminal. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the application for opening a real estate management account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the application for opening the real estate comprehensive management account through a predetermined image acquisition device. Although the user interface for obtaining and inputting (or selecting) real estate comprehensive management account opening request information corresponding to the real estate comprehensive management account opening application is illustrated and provided as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal For convenience, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement information transmitted to the financial company server 100 is opened for convenience. Request information ".

Referring to FIGS. 7A and 7B, a customer (or a building) or a building (or a building) may be provided to a predetermined customer to provide a comprehensive real estate management service to a building (or building) to which a comprehensive real estate management financial service contract is concluded. 1) After completing and submitting an application for opening a real estate comprehensive management account including at least one information, real estate comprehensive management contract information, auto insurance subscription agreement information, tenant information, and lease contract information, the counter terminal shown in FIG. Comprehensive real estate management services for buildings (or buildings) for which real estate comprehensive management financial service contracts corresponding to the real estate comprehensive management account opening application are concluded, while a predetermined communication channel is connected to the server through a financial network. When requesting a user interface for providing (700), the server correspondingly to the customer in the terminal Input (or select) real estate comprehensive management account opening request information corresponding to the created real estate comprehensive management account opening application, and acquire predetermined image contents corresponding to the real estate comprehensive management account opening application through a predetermined image acquisition device; A user interface for transmitting to the server is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal includes at least one of the customer information (or landlord information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the user interface. Input (or select) the real estate comprehensive management account opening request information (715).

If through the user interface real estate comprehensive management account including at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease information When the opening request information is input (or selected) (720), the terminal acquires image contents corresponding to the application for opening the real estate comprehensive management account through a predetermined image obtaining apparatus based on the user interface (725).

If the image content corresponding to the application for opening the real estate comprehensive management account is acquired through the image acquisition device (730), the terminal transmits the real estate comprehensive management account opening request information and the image content to the server through the financial network. (735).

Subsequently, the server includes at least one of the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the financial network. Receiving and reading the real estate comprehensive management account opening request information to check the validity of the real estate comprehensive management account opening request information (740).

According to an embodiment of the present invention, the validity of the real estate comprehensive management account opening request information is confirmed in the real estate comprehensive management account in the ledger D / B 180 on the financial system 185 linked to the real estate comprehensive management account opening system It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the real estate comprehensive management account opening request information is the information contained in the real estate comprehensive management account opening request information, the customer information (customer personal information, member information, etc.) is the real estate comprehensive management account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 180 on the financial system 185 associated with.

In addition, the verification of the validity of the real estate comprehensive management account opening request information, the building (or building) information of the information contained in the real estate comprehensive management account opening request information, the financial system associated with the real estate comprehensive management account opening system ( It is preferably made to include matching with the building ledger (or separate building management D / B) stored in the ledger D / B 180 on 185.

If the validity of the real estate comprehensive management account opening request information is not authenticated (745), the server generates predetermined financial account error information and transmits it to the terminal (750), the real estate comprehensive management account opening request information Do not perform the corresponding real estate management account opening procedure.

On the other hand, if the validity of the real estate comprehensive management account opening request information is authenticated (745), the server generates a predetermined real estate comprehensive management account opening application electronic document including the image content (755).

According to the exemplary embodiment of the present invention, the server is a building in which the real estate comprehensive management financial service contract is concluded as it is, the image file including the image content received from the terminal device 195 through the image receiving unit 120. (Or building), it is preferable to process the electronic document to apply for the opening of a comprehensive real estate management account to provide comprehensive real estate management services.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120 (or Landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement information corresponding to the image content including a watermarking method (Watermarking method) It is preferable to generate an electronic document for applying for opening a real estate comprehensive management account for providing real estate comprehensive management services to a building (or building) to which the real estate comprehensive management financial service contract is concluded.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for applying for opening a real estate comprehensive management account for (or building) a real estate comprehensive management service.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120 (or To generate image content including at least one or more of a tenant information, a building (or building) information, a comprehensive real estate management contract information, an automatic insurance subscription agreement information, a tenant information, and a lease contract information in a watermarking manner, A predetermined document file including the generated image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT. By generating a web document file, etc.), the building (or building) to which the real estate management financial services contract is concluded Therefore, it is desirable to generate an electronic document for applying for real estate comprehensive management account for real estate comprehensive management service.

According to another exemplary embodiment of the present invention, the server opens the real estate comprehensive management account received through the image receiving unit 120 and the image content received from the terminal device 195. A document file including request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an electronic document for real estate comprehensive management account opening for providing real estate comprehensive management service to the building (or building) to which the real estate comprehensive management financial service contract is concluded.

Alternatively, the server may include the customer information included in the real estate comprehensive management account opening request information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120 (or To generate image content including at least one or more of a tenant information, a building (or building) information, a comprehensive real estate management contract information, an automatic insurance subscription agreement information, a tenant information, and a lease contract information in a watermarking manner, At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content and the real estate comprehensive management account opening request information. Generating a word processor file or a web document file including MHT) The contract's subject to a building (or buildings), it is desirable to create a comprehensive real estate management account opening application for electronic document management Comprehensive Real Estate Services.

If the person skilled in the art of the present invention belongs to the technical features that the server generates a real estate comprehensive management account open application electronic document in the image file format and / or a predetermined document file format, and the real estate comprehensive management account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic property management application opening application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the real estate comprehensive management account opening system through predetermined communication means. When the server is externally provided, the server transmits the generated real estate comprehensive management account opening application electronic document to the electronic document server 155 through the communication means and stores the electronic document in the electronic document D / B 175. It is preferable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the real estate comprehensive management account opening system, the server may include the generated real estate comprehensive management account opening application electronic document in the real estate comprehensive management account opening system. It is possible to store in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS, by which the present invention is not limited.

According to the method of the present invention, storing the real estate comprehensive management account opening application electronic document in the electronic document storage, the generated real estate comprehensive management account opening application electronic document and the predetermined electronic document management information by the linkage processing It is preferable to include storing in the electronic document D / B (175) shown in FIG.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which an application for opening a real estate comprehensive management account opening corresponding to the image content is made, and / or an electronic document for opening an application for opening a real estate comprehensive management account). Agency information, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information, etc.).

If the electronic document storage application electronic document opening the electronic document storage is stored (765), the server is the customer information (or renter information) included in the real estate management account opening request information, building (or building) information In operation 770, the financial account information is generated based on the real estate comprehensive management contract information, the automatic insurance subscription agreement information, the tenant information, and the lease contract information.

The financial account information may include an account number and an interest rate information corresponding to the real estate comprehensive management account opened based on the request for opening the real estate comprehensive management account. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 185, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription included in the real estate comprehensive management account opening request information A financial account of the customer's name including the financial account information is opened and processed based on the consent information, the tenant information, and the lease contract information (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby realizing the real estate comprehensive management account opening request information. In response to the building (or building) to the real estate comprehensive management financial services contract is concluded, a predetermined financial account for providing a real estate comprehensive management service is characterized in that the opening process.

When the server and the financial system 185 exist in the same system according to an exemplary embodiment of the present invention, the server may link the financial account information to the ledger D / B 180 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 180 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server includes the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, included in the real estate comprehensive management account opening request information, The real estate comprehensive management account information including at least one lease contract information is generated and stored in a predetermined storage medium 190 (780).

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the server or on a network connected with the server, the server includes the received real estate comprehensive management account opening request information. And store the real estate management account information including at least one of customer information, building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is desirable to store in the medium 190.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 185, the server includes the customer information included in the received real estate management account opening request information. The financial system includes real estate comprehensive management account information including at least one of building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is preferable to provide the information system through the external system on the 185 and store it in the DBMS provided on the financial system 185.

Thereafter, the server may store predetermined financial account opening history information (eg, the real estate comprehensive management account opening history, and / or the details of storing the real estate comprehensive management account opening application electronic document in the electronic document repository, and / or the storage). A history of storing the real estate comprehensive management account opening request information on the medium 190) is generated (or extracted) and transmitted to the terminal (785).

According to an embodiment of the present invention, the storage medium 190 is provided in a DBMS on a financial system 185 provided on the real estate comprehensive management account opening system (or associated with the real estate comprehensive management account opening system). Preferably, the storage medium 190 is ledger D / B (180) provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B (180) The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 190 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the real estate management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 8 illustrates a system for establishing a non-face-to-face real estate comprehensive management account for providing real estate comprehensive management services to a building (or building) to which a real estate comprehensive management financial service contract is concluded according to another embodiment of the present invention. Drawing.

In more detail, in FIG. 8, a predetermined customer provides predetermined customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, and tenant information through a predetermined financial account opening interface. When the real estate comprehensive management account establishment request information including at least one lease contract information is provided to the financial institution, the real estate comprehensive management financial service contract is concluded based on the real estate comprehensive management account establishment request information. A system for opening a real estate comprehensive management account for providing a comprehensive real estate management service for a building (or a building) and storing real estate comprehensive management account information for managing the real estate comprehensive management account in a predetermined storage medium 885. As for the configuration, those skilled in the art to which the present invention pertains By referring to and / or modifying this drawing 8, it is possible to infer various implementation methods for the establishment of a real estate comprehensive management account opening system for the real estate comprehensive management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited 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 and / or modify this drawing 8 to omit the implementation method of storing the real estate comprehensive management account application electronic document in the electronic document repository. It is possible to infer the configuration of a comprehensive management account opening system, and even when the electronic document opening application for real estate management account opening is stored in the electronic document storage, the electronic document storage is not included in the method shown in FIG. The implementation method provided in the DBMS located in the management account opening system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the real estate comprehensive management account establishment application electronic document is illustrated as being generated on the server side on the real estate comprehensive management account opening system, but the present invention is limited thereto. Never, the real estate comprehensive management account opening request electronic document may be generated at the terminal for inputting (or selecting) the real estate comprehensive management account opening request information (for example, an electronic document generation function provided at the server side). The terminal is provided on the terminal side to generate the electronic property real estate management account opening application document), thereby the present invention is not limited.

In addition, as shown in FIG. 8, in addition to a method of newly opening a landlord account, a previously established financial account may be set as a landlord account, and the present invention is not limited thereto.

Hereinafter, the customer is provided with the real estate comprehensive management account establishment request information from the customer through a predetermined financial account opening interface on the real estate comprehensive management account opening system shown in FIG. 8, and the customer opens the real estate comprehensive management account. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined electronic property management application opening request electronic document corresponding thereto and storing the electronic document in a predetermined electronic document storage is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a system for opening a real estate comprehensive management account for providing a real estate comprehensive management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded is provided. And a terminal device 890 including at least one client terminal including at least one wired terminal and / or a wireless terminal to be used, wherein the terminal device 890 is provided through a predetermined network means. A communication channel is connected to a financial institution server 800 provided on the real estate comprehensive management account opening system.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Enter the real estate comprehensive management account opening request information for the real estate comprehensive management service for a building (or building) to which the real estate comprehensive management financial service contract is concluded through at least one user interface provided by the financial company server 800. (Or optional), the client terminal preferably transmits through the predetermined network means to the financial institution server 800 provided on the real estate comprehensive management account opening system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 890 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 890 connected to an x-based portable Internet and / or all terminal devices 890 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 800 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 800, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 800, etc.) is provided.

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

In the real estate comprehensive management account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one or more connecting the client terminal and the financial company server 800. The wired communication network and / or the wireless communication network are financial accounts for the customer to register the request for opening the real estate comprehensive management account for the real estate comprehensive management service for the building (or building) to which the real estate comprehensive management financial service contract is concluded. Perform the functions of the open interface.

According to another exemplary embodiment of the present invention, the terminal device 890 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the real estate comprehensive management account opening system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company. The financial network connecting the server 800 is for the customer to register the real estate comprehensive management account opening request information for the real estate comprehensive management service for the building (or building) to which the real estate comprehensive management financial service contract is concluded Perform a function of a financial account opening interface, and / or when the terminal device 890 is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown), and the financial company server ( The wired telephone network and / or the wireless telephone network connecting 800 may be immovable to the building (or building) to which the customer has signed the real estate management financial services contract. A terminal (and a terminal provided in an institution affiliated with the financial institution, which is the terminal device 890), and / or performs a function of a financial account opening interface for registering the real estate comprehensive management account opening request information for providing a comprehensive management service. And / or server) (not shown), the network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial institution server 800 is the customer. The building (or building) to which the real estate comprehensive management financial service contract is concluded, performs a function of a financial account opening interface for registering the real estate comprehensive management account opening request information for providing real estate comprehensive management service.

The storage medium 885 provided on the real estate comprehensive management account opening system according to the present invention includes the customer information and the building (or building) included in the real estate comprehensive management account opening request information provided from the terminal device 890. Characterized in that the real estate comprehensive management account information including at least one or more information, building (or building) value information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable that the insurance for repaying the lease specified in the lease agreement is included in the agreement information set to be automatically enrolled at the time the lease is concluded.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 880 associated with the real estate comprehensive management account opening system in response to the tenant. It is preferable to comprise at least one or more.

The lease contract information includes an owner (ie, a landlord) of a target building (or building) that has entered into the comprehensive real estate management contract, and a customer (ie, a tenant) who wants to lease a portion (or all) of the building (or building). It is preferable that the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, the landlord), and the customer ( That is, the real estate comprehensive management account is opened in response to the customer (ie, the landlord) by registering the member information of the landlord (eg, the landlord) as the financial transaction customer (ie, the landlord) of the financial institution. It is preferable to include at least one member ID information, or CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system 880 associated with the system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

According to an embodiment of the present invention, the storage medium 885 is provided in a DBMS on a financial system 880 provided on the real estate comprehensive management account opening system (or associated with the real estate comprehensive management account opening system). Preferably, the storage medium 885 is a ledger D / B 875 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 875 The present invention is not limited thereto.

According to another method of the present invention, the storage medium 885 is provided with (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the real estate management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial company server 800 provided on the real estate comprehensive management account opening system according to the present invention is a generic term for the real estate comprehensive management account opening system side component connected to the terminal device 890 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided in the internet banking server, and / or a predetermined access to the external system of the financial system 880 through the internet banking system. A server (or device) of the server, a program included in the server (or device), and / or on the financial system 880 accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the alien, and / or a program provided in the external world on the financial system 880, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is connected to the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 880 through the wireless banking system. A server provided in the external system on the financial system 880 that is a program in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external system on the financial system 880, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 may be connected to the telebanking system. The banking system 880 may be a predetermined telebanking server (eg, an automatic response service (ARS) server) provided in the program, and / or a program included in the telebanking server, and / or through the telebanking system. Any server (or device) accessible to the outside world of the program, a program included in the server (or device), and / or the accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the financial system 880, and / or a program provided in the external system on the financial system 880, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 880 through the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 880 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 880, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the financial institution server 800 may include an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 890 through the network connection. .

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using the communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when the predetermined terminal device 890 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 may manage the real estate comprehensive management finance. The financial institution server 800 inputs (or selects) predetermined real estate comprehensive management account opening request information from the terminal device 890 to provide a comprehensive real estate management service to a building (or building) to which a service contract is concluded. Interface providing unit 810 for generating (or extracting) at least one user interface to be transmitted to the terminal and providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805. And the terminal apparatus 890 inputs (or selects) the real estate comprehensive management account opening request information through the user interface and transmits the received information. And an information receiving unit 815 for receiving the real estate comprehensive management account opening request information transmitted from the terminal device 890 in association with the switch unit 805.

The interface providing unit 810 connects a predetermined communication channel with the financial company server 800 through the interface unit 805, and then comprehensively manages the real estate with the financial company server 800. When a user interface for providing a comprehensive real estate management service is requested to a building (or building) to which a financial service contract is concluded, the terminal 890 inputs (or selects) predetermined real estate comprehensive management account opening request information. To generate at least one user interface for transmission to the financial institution server 800 through the network means, and / or to extract from a predetermined database (not shown), and in conjunction with the interface unit 805 Or the extracted) user interface to the terminal device 890 via the network means.

According to an exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another embodiment of the present invention, at least one or more users inputting (or selecting) predetermined real estate comprehensive management account opening request information to the terminal 890 to the financial institution server 800 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined real estate management account opening request information is generated (or extracted) to the financial institution server 800 as described above. The interface providing unit 810 provided to the terminal device 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 stores at least the customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the user interface. Input (or select) the real estate comprehensive management account opening request information including one or more, and transmits the input (or selected) the real estate comprehensive management account opening request information to the financial institution server 800 through the network means, Correspondingly, the information receiving unit 815 may receive the real estate comprehensive management account opening request information transmitted from the terminal device 890 in association with the interface unit 805.

According to the exemplary embodiment of the present invention, the terminal device 890 stores the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information. A predetermined password and / or security card information and / or a predetermined OTP for verifying the validity of the real estate comprehensive management account opening request information in the financial institution server 800 in the real estate comprehensive management account opening request information including at least one or more information. (One Time Password) It is preferable to further include at least one or more OTP code generated through the generator to the financial institution server 800 via the network means.

According to the exemplary embodiment of the present invention, the terminal device 890 stores the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information. At least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange) Based encryption method, etc.), and / or attach a predetermined electronic signature to the real estate management account opening request information and transmit it to the financial institution server 800 through the network means. The terminal device 890 has at least one encryption key corresponding to the encryption scheme, and / or at least one If a predetermined public certificate including the above encryption key is provided, and / or the public certificate is provided on a predetermined IC chip (or IC card), the official certificate provided on the IC chip (or IC card) is confirmed. It is preferable that a card reader is provided.

In the technical field to which the present invention pertains, technical characteristics of various encryption methods for encrypting the real estate comprehensive management account opening request information and a predetermined electronic signature are attached to the real estate comprehensive management account opening request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the financial institution server 800 receives the real estate comprehensive management account establishment request information transmitted from the terminal device 890 through the information receiving unit 815, the received real estate comprehensive management account is opened. The request information may be provided with a validity confirming unit 820 for checking whether the property (or building) to which the real estate comprehensive management financial service contract is concluded satisfies the validity for providing the real estate comprehensive management service.

According to an embodiment of the present invention, the real estate management account opening request information is at least one encryption method (eg, symmetric key based encryption and / or public key based encryption, and / or electronic envelope based encryption, and And / or a key exchange-based encryption scheme, etc., the validity verification unit 820 includes at least one decryption scheme (eg, a symmetric key based scheme) corresponding to the encryption scheme. Decryption, and / or public key-based decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc., thereby validating the validity of the received real estate management account opening request information. It is desirable to.

Alternatively, when a predetermined electronic signature is attached to the real estate comprehensive management account opening request information, the validity confirming unit 820 checks the electronic signature attached to the real estate comprehensive management account opening request information, thereby receiving the received real estate synthesis. It is desirable to certify the validity of the management account request information.

In the technical field to which the present invention pertains, technical features of various decryption methods for decrypting the encrypted real estate management account opening request information and the electronic signature attached to the real estate management account opening request information Since you will be familiar with the technical features to confirm, a detailed description thereof will be omitted for convenience.

When the real estate comprehensive management account opening request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the real estate comprehensive management account opening request information, The validity verification unit 820 compares and authenticates the password included in the real estate comprehensive management account opening request information with the password provided corresponding to the customer on the DBMS, thereby receiving the received real estate comprehensive management account opening request information. It is desirable to authenticate the validity of the.

Alternatively, when the real estate comprehensive management account opening request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the real estate comprehensive management account opening request information, the validity checking The unit 820 compares and authenticates the security card information included in the real estate comprehensive management account opening request information and the security card information provided corresponding to the customer on the DBMS, thereby verifying the received real estate comprehensive management account opening request. It is desirable to authenticate the validity of the information.

Alternatively, when the real estate comprehensive management account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the real estate comprehensive management account opening request information, the validity checking unit 820 compares and authenticates the received OTP code included in the real estate comprehensive management account opening request information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to certify the validity of the requested information for opening a comprehensive real estate management account.

According to the implementation method of the present invention, the validity confirmation of the real estate comprehensive management account opening request information to the real estate comprehensive management account in the ledger D / B (875) on the financial system 880 associated with the real estate comprehensive management account opening system It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the real estate comprehensive management account opening request information is the information contained in the real estate comprehensive management account opening request information, the customer information (customer personal information, member information, etc.) is the real estate comprehensive management account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 875 on the financial system 880 associated with.

In addition, the verification of the validity of the real estate comprehensive management account opening request information, the building (or building) information of the information contained in the real estate comprehensive management account opening request information, the financial system linked to the real estate comprehensive management account opening system It is preferably made to include matching with the building ledger (or separate building management D / B) stored in the ledger D / B 875 on 880.

Referring to FIG. 8, when the validity of the real estate comprehensive management account opening request information is authenticated through the validity confirming unit 820, the financial institution server 800 includes the received real estate comprehensive management account opening request information. An electronic document generation unit 825 for generating a predetermined electronic property management application opening document and an electronic document storage system for transmitting the generated real estate general management account opening application electronic document to an electronic document repository associated with the real estate comprehensive management account opening system; An electronic document transmission unit 830 is provided.

The electronic document generating unit 825 generates a real estate comprehensive management account opening request electronic document including the real estate comprehensive management account opening request information received from the terminal device 890 through the information receiving unit 815. It is done.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information (or renter information), building (or building) included in the real estate comprehensive management account opening request information received through the information receiving unit 815. ) Document content including at least one information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information, and a document file (eg, Portable Document Format (PDF)) containing the document content. A file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT, or the like. Building), it is preferable to process the electronic document to apply for the opening of a comprehensive real estate management account to provide comprehensive real estate management services.

Alternatively, the electronic document generation unit 825 may include customer information (or renter information), building (or building) information, real estate comprehensive management contract included in the real estate comprehensive management account opening request information received through the information receiving unit 815. Generating document content including at least one information, automatic insurance subscription agreement information, tenant information, lease information, customer information (or renter information) included in the real estate comprehensive management account opening request information, and building; (Or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information including at least one or more of the information (watermarking), and then includes the document content including the watermarking At least a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC file). Opening a comprehensive real estate management account for providing real estate comprehensive management services to a building (or building) for which the real estate comprehensive management financial service contract is concluded, including a word processor file including at least one or a web document file including MHT) It is desirable to process the application electronic document.

Alternatively, the electronic document generation unit 825 may include customer information (or renter information), building (or building) information, real estate comprehensive management contract included in the real estate comprehensive management account opening request information received through the information receiving unit 815. Generating document content including at least one of information, automatic insurance subscription agreement information, tenant information, and lease information, and capturing the image content (e.g., capturing the document content on a memory; It is preferable to process an image file including image content) as an electronic document for real estate comprehensive management account opening for providing real estate comprehensive management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded.

Alternatively, the electronic document generation unit 825 may include customer information (or renter information), building (or building) information, real estate comprehensive management contract included in the real estate comprehensive management account opening request information received through the information receiving unit 815. Generating document content including at least one of information, automatic insurance subscription agreement information, tenant information, and lease information, and capturing the image content (e.g., capturing the document content on a memory; At least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information included in the real estate comprehensive management account opening request information in the image content). After including one or more information in a watermarking manner, the image content including the watermarking is included. It is desirable to process the image file to the Global Property Management Financial Services Agreement is entered into a building (or buildings) target, the Global Real Estate Management Account opened for the comprehensive real estate management services applications electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information (or renter information), building (or information) included in the real estate comprehensive management account opening request information received through the information receiving unit 815. Image content (eg, the document) that generates document content including at least one of building information, real estate comprehensive management contract information, auto insurance agreement consent information, tenant information, lease contract information, and captures the document content; Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. By generating a processor file or a web document file including an MHT, the building (and Targeted a building), it is preferable to treatment with comprehensive real estate management account opening application for electronic document management Comprehensive Real Estate Services.

Alternatively, the electronic document generation unit 825 may include customer information (or renter information), building (or building) information, real estate comprehensive management contract included in the real estate comprehensive management account opening request information received through the information receiving unit 815. Generating document content including at least one of information, automatic insurance subscription agreement information, tenant information, and lease information, and capturing the image content (e.g., capturing the document content on a memory; At least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information included in the real estate comprehensive management account opening request information in the image content). Generate image content including at least one information in a watermarking manner, and the watermarking is included. A document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or a web document including an MHT. By generating a file, etc.), it is preferable to process a real estate comprehensive management account open application electronic document for the real estate comprehensive management service for a building (or building) to which the real estate comprehensive management financial service contract is concluded.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include customer information (or renter information) and building (included in the real estate comprehensive management account opening request information received through the information receiving unit 815). Or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information, generating document content including at least one, and capturing the document content (e.g., A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the document content captured by the document content on the memory and the real estate comprehensive management account opening request information; or By generating a word processor file including at least one of HWP / DOC or the like, or a web document file including MHT). That a comprehensive financial management services agreement is subject to a building (or buildings) signed, the process to apply for Comprehensive Real Estate Management Real Estate Management Comprehensive account opening service for electronic documents is desirable.

Alternatively, the electronic document generation unit 825 may include customer information (or renter information), building (or building) information, real estate comprehensive management contract included in the real estate comprehensive management account opening request information received through the information receiving unit 815. Generating document content including at least one of information, automatic insurance subscription agreement information, tenant information, and lease information, and capturing the image content (e.g., capturing the document content on a memory; At least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information included in the real estate comprehensive management account opening request information in the image content). Generate image content including at least one information in a watermarking manner, and the watermarking is included. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) containing at least one document content including image contents and the request for opening the real estate comprehensive management account. , Or a web document file including an MHT), an electronic document for applying for opening a real estate comprehensive management account for a real estate comprehensive management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded. It is preferable to process.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825 and the technical features for generating an electronic document for real estate comprehensive management account opening application of the image file format and / or predetermined document file format and The technical features of the file format for the image file and / or the document file corresponding to the electronic document for real estate comprehensive management account opening application will be familiar, so the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits and stores the electronic document creation application electronic document creation request generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the real estate comprehensive management account opening system. Characterized in that.

As shown in FIG. 8, the electronic document repository is connected with a financial company server 800 on the real estate comprehensive management account opening system and a predetermined electronic document server 850 and electronic document D / B ( 870, the external advisory transmission unit 830, the electronic document generation unit 825, the real estate comprehensive management account opening application electronic document generated by the electronic means through the communication means Characterized in that the transmission to the document server (850).

Here, when the electronic document server 850 and the electronic document D / B 870 is provided outside the real estate comprehensive management account opening system, the electronic document server 850 and the electronic document D / B (870) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the real estate comprehensive management account opening system, the electronic document transmission unit 830 is generated by the electronic document generation unit 825. The electronic document D / B 870 corresponding to the electronic document storage on the DBMS provided in the real estate comprehensive management account opening system can be stored, thereby limiting the present invention. Not.

According to the method of the present invention, the electronic document transmission unit 830 is electronic document related information for generating predetermined electronic document management information in the electronic document server 850 (for example, the real estate comprehensive management account opening request information) Customer information, and / or financial institution information for transmitting the application for opening the real estate comprehensive management account, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information. It is possible to further transmit to the electronic document storage, etc., thereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 includes the real estate comprehensive management account opening request information received through the information receiving unit 815 through the validity checking unit 820. If the validity for providing a comprehensive real estate management service for a building (or building) is certified, the customer information (or renter information) included in the validity of the real estate comprehensive management account opening request information, the building (or building) Information generation unit 835 for generating the financial account information based on the information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information and the financial information of the customer name including the financial account information It is characterized by comprising an account establishing unit 840 for opening an account.

When the validity confirmation unit 820 confirms the validity of the real estate comprehensive management account opening request information, the information generation unit 835 includes the customer information (or renter information) included in the real estate comprehensive management account opening request information. The financial account information is generated based on building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information.

The financial account information may include an account number and an interest rate information corresponding to the real estate comprehensive management account opened based on the request for opening the real estate comprehensive management account. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

The account opening unit 840 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 880 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the real estate comprehensive management account opening request information. A predetermined financial account for providing a comprehensive real estate management service is provided to a building (or a building) to which the real estate comprehensive management financial service contract is concluded.

When the financial institution server 800 and the financial system 880 exist in the same system according to an exemplary embodiment of the present invention, the account opening unit 840 is linked with the financial system 880 to ledger D / B. In 875, it is preferable to generate a predetermined account ledger including the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 880 exist on another system connected through a predetermined communication means, the account opening unit 840 may perform a predetermined communication. It is desirable to request, via means of external means on the financial system 880, to make a ledger D / B 875 on the other financial system 880 to create a predetermined ledger containing the financial account information.

Referring to FIG. 8, the financial institution server 800 includes the real estate comprehensive management account opening request information received through the information receiving unit 815 through the validity checking unit 820. If the validity for providing a comprehensive real estate management service for a building (or building) is certified, the customer information, the building (or building) information, and the building (or Building) an information storage unit 845 for storing real-time comprehensive management account information including at least one of value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information in a predetermined storage medium 885. It is characterized by comprising a).

When the validity confirmation unit 820 confirms the validity of the real estate comprehensive management account opening request information, the information storage unit 845 stores the customer information and the building included in the real estate comprehensive management account opening request information (or The storage medium 885 includes real estate comprehensive management account information including at least one of building) information, building (or building) value information, real estate comprehensive management contract information, auto insurance agreement consent information, tenant information, and lease contract information. It is characterized by storing.

According to an exemplary embodiment of the present invention, when the storage medium 885 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 885. The customer information and building (or building) information, building (or building) value information, building (or building) value information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information included in the received real estate comprehensive management account opening request information It is preferable to store the real estate comprehensive management account information including at least one or more in the storage medium (885).

According to another exemplary embodiment of the present invention, when the storage medium 885 is provided in a DBMS provided on the financial system 880, the information storage unit 845 is connected to the received real estate management account opening request information. Comprehensive real estate management account information including at least one of the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, lease information It is preferable to provide the information system through the external system on the financial system 880 to store in the DBMS provided on the financial system 880.

Referring to FIG. 8, a predetermined real estate comprehensive management account opening application electronic document is received from the financial institution server 800 provided on the real estate comprehensive management account opening system and stored in a predetermined electronic document D / B 870. And the electronic document server 850 that manages the electronic document receiving unit 855 for receiving a predetermined real estate comprehensive management account opening application electronic document from the financial institution server 800 through a predetermined communication means, and the received real estate synthesis. An information generation unit 860 for generating predetermined electronic document management information for storing and managing electronic account opening application electronic documents in the electronic document D / B 870; and the electronic document management information and the real estate comprehensive management account. And an electronic document storage unit 865 for linking the establishment application electronic document and storing the electronic document in a predetermined electronic document D / B 870.

The electronic document receiving unit 855 may receive an application for opening a real estate management account in the form of an image file and / or a document file from the financial institution server 800 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 855 receives the real estate comprehensive management account opening request electronic document received through the communication means, the real estate received by the financial institution server 800 from the terminal device 890. Document contents including at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, auto insurance agreement consent information, tenant information, and lease contract information included in the request for opening a comprehensive management account. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the electronic document receiving unit 855, the real estate comprehensive management account opening request electronic document received through the communication means is based on the real estate comprehensive management account opening request information received by the financial institution server 800 from the terminal device 890. Opening the real estate comprehensive management account in document content including at least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, and lease contract information Watermarking method of at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, lease information included in the request information A document file (eg, Portable Document Format (PDF)) containing document content including the watermarking It comprises a day, or (Electronic Data Interchange) EDI file, or web document file containing a word processor comprising at least one of HWP / DOC, such as files, or the like MHT) is preferred.

Alternatively, the electronic document receiving unit 855, the real estate comprehensive management account opening request electronic document received through the communication means is based on the real estate comprehensive management account opening request information received by the financial institution server 800 from the terminal device 890. Image capturing document contents including at least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. Preferably, the image file includes an image file including content (eg, image content generated by capturing the document content on a memory).

Alternatively, the electronic document receiving unit 855, the real estate comprehensive management account opening request electronic document received through the communication means is based on the real estate comprehensive management account opening request information received by the financial institution server 800 from the terminal device 890. Image capturing document contents including at least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. Customer information (or renter information), building (or building) information, real estate comprehensive management contract information, included in the real estate comprehensive management account opening request information in content (eg, image content generated by capturing the document content on a memory); Watermarking room at least one or more of the information, such as automatic insurance agreement consent, tenant information, lease agreement information After including a, preferably it comprises an image file containing the image content that contains the watermark.

According to another embodiment of the present invention, the electronic document receiving unit 855 received through the communication means real estate comprehensive management account opening request electronic document that the financial company server 800 received from the terminal device 890 Documents containing at least one of customer information (or landlord information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, and lease contract information included in the request for opening a comprehensive property management account; A predetermined document file (e.g., a Portable Document Format (PDF) file, or an electronic data interchange (EDI) file) including image content (e.g., image content generated by capturing the document content on a memory). File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to make it.

Alternatively, the electronic document receiving unit 855, the real estate comprehensive management account opening request electronic document received through the communication means is based on the real estate comprehensive management account opening request information received by the financial institution server 800 from the terminal device 890. Image capturing document contents including at least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. Customer information (or renter information), building (or building) information, real estate comprehensive management contract information, included in the real estate comprehensive management account opening request information in content (eg, image content generated by capturing the document content on a memory); Watermarking room at least one or more of the information, such as automatic insurance agreement consent, tenant information, lease agreement information At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; Or a web document file including the MHT).

According to another embodiment of the present invention, the real estate comprehensive management account opening request electronic document received by the electronic document receiving unit 855 through the communication means is received by the financial company server 800 from the terminal device 890 At least one of customer information (or landlord information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, lease contract information included in the request for opening a real estate management account information A predetermined document file (eg, PDF (Portable Document Format) including image content captured from document content (eg, image content generated by capturing the document content on a memory) and the real estate management account opening request information. ), Or an EDI (Electronic Data Interchange) file, or a word processor file including at least one, such as HWP / DOC, Or a web document file including the MHT).

Alternatively, the electronic document receiving unit 855, the real estate comprehensive management account opening request electronic document received through the communication means is based on the real estate comprehensive management account opening request information received by the financial institution server 800 from the terminal device 890. Image capturing document contents including at least one of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. Customer information (or renter information), building (or building) information, real estate comprehensive management contract information, included in the real estate comprehensive management account opening request information in content (eg, image content generated by capturing the document content on a memory); Watermarking room at least one or more of the information, such as automatic insurance agreement consent, tenant information, lease agreement information A document file (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file) including image content including the watermarking, and the image content including the watermarking and the real estate management account opening request information; Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 860 is a predetermined electronic document unique number (or unique information) to be assigned to the real estate comprehensive management account opening request electronic document received through the electronic document receiving unit 855, and the electronic document receiving unit 855 Electronic document management information including electronic document storage date and time information including the date and time (or the date and time the real estate comprehensive management account opening application electronic document was stored) received the real estate comprehensive management account opening application electronic document through It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 860 refers to the financial company server 800 that has transmitted the electronic document real estate management account opening request electronic document received through the electronic document receiving unit 855 to the real estate agent. It is preferable to check the financial institution that has sent the electronic document opening application electronic document management information, and generate the electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 855, the information generating unit 860 may receive the received electronic document. Document information (e.g., customer information transmitted by inputting (selection) of the real estate management account opening request information and / or financial institution information transmitting the real estate management account opening application electronic document, and / or electronic document file) It is preferable to generate electronic document management information further including format information, and / or the real estate comprehensive management account opening request information.

The electronic document storage unit 865 associates the electronic document management information generated through the real estate comprehensive management account opening request electronic document received through the electronic document receiving unit 855 with the information generating unit 860 and performs a predetermined process. The electronic document is stored in the D / B 870.

According to one embodiment of the present invention, the electronic document storage unit 865 stores the electronic document D / B 870 real estate comprehensive management account opening application electronic document is the financial company server 800 is the terminal device ( At least the customer information (or landlord information), the building (or building) information, the comprehensive real estate management contract information, the automatic insurance subscription agreement information, the tenant information, and the lease contract information included in the real estate comprehensive management account opening request information received from 890). A document file including one or more document contents (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Web document files, etc.).

Alternatively, the electronic document storage unit 865 may register the real estate comprehensive management account opening request electronic document stored in the electronic document D / B 870 by the financial institution server 800 from the terminal device 890. In the document contents including at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, and lease contract information included in the request for opening a management account. At least one or more of customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information included in the real estate comprehensive management account opening request information; After including by watermarking (Watermarking) method, the document file containing the document content containing the watermarking (for example, PDF (Portable Document Format) File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT).

Alternatively, the electronic document storage unit 865 may register the real estate comprehensive management account opening request electronic document stored in the electronic document D / B 870 by the financial institution server 800 from the terminal device 890. Document contents including at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, and lease contract information included in the request for opening a management account. It is preferable to include an image file including captured image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the electronic document storage unit 865 may register the real estate comprehensive management account opening request electronic document stored in the electronic document D / B 870 by the financial institution server 800 from the terminal device 890. Document contents including at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, and lease contract information included in the request for opening a management account. Captured image contents (eg, image contents generated by capturing the document contents on a memory) include customer information (or renter information), building (or building) information included in the real estate comprehensive management account opening request information, Watermarking at least one of real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, lease contract information After including the type, preferably it comprises an image file containing the image content that contains the watermark.

According to another exemplary embodiment of the present invention, the electronic document storage unit 865 stores an electronic property D / B 870 application for opening a real estate management account, the financial company server 800 of the terminal device. Customer information (or landlord information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease information included in the real estate comprehensive management account opening request information received from (890) A predetermined document file (eg, a Portable Document Format (PDF) file) including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more; EDI (Electronic Data Interchange) files, word processor files including at least one of HWP / DOC, etc., or web document files including MHT). Be made of W are preferred.

Alternatively, the electronic document storage unit 865 may register the real estate comprehensive management account opening request electronic document stored in the electronic document D / B 870 by the financial institution server 800 from the terminal device 890. Document contents including at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, and lease contract information included in the request for opening a management account. Captured image contents (eg, image contents generated by capturing the document contents on a memory) include customer information (or renter information), building (or building) information included in the real estate comprehensive management account opening request information, Watermarking at least one of real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, lease contract information And generating a document content including at least one document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the watermarked image content. And at least one word processor file or web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document storage unit 865 stores an electronic property real estate management account opening application electronic document stored in the electronic document D / B 870, the financial company server 800 is the terminal. Customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information included in the real estate comprehensive management account opening request information received from the device 890 A predetermined document file including image content (eg, image content generated by capturing the document content on a memory) and document real estate management account opening request information (e.g., capturing document content including at least one). , At least one word processing file including at least one Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC file. It is preferred which comprises a, or the web document file, and so on) containing the MHT.

Alternatively, the electronic document storage unit 865 may register the real estate comprehensive management account opening request electronic document stored in the electronic document D / B 870 by the financial institution server 800 from the terminal device 890. Document contents including at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, and lease contract information included in the request for opening a management account. Captured image contents (eg, image contents generated by capturing the document contents on a memory) include customer information (or renter information), building (or building) information included in the real estate comprehensive management account opening request information, Watermarking room at least one or more of the real estate management information, automatic insurance agreement consent information, tenant information, lease information A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including image content including the watermarking, and the image content including the watermarking and the real estate management account opening request information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to the implementation method of the present invention, the electronic document management information stored in the electronic document D / B (870) by the electronic document storage unit 865 is processed in connection with the application for opening the real estate comprehensive management account, the real estate It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the electronic document to open the comprehensive management account and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management unit 865 stores the electronic document D / B 870 in association with the electronic document storage application opening application electronic document and stores the electronic document. The financial institution server 800 that has transmitted the electronic property real estate management account opening application electronic document is preferably further included in the financial institution information transmitted from the real estate comprehensive management account opening application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 800, the electronic document storage unit 865 processes the link with the electronic document opening application electronic document opening application. The electronic document management information stored in the electronic document D / B 870 may include customer information transmitted by inputting (selecting) the received electronic document related information (eg, the real estate comprehensive management account opening request information), and / Or financial institution information, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information, etc. for transmitting the real estate comprehensive management account opening application electronic document.

9 illustrates an implementation method in which a storage medium 885 for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a non-face-to-face manner is provided in a DBMS on a financial system 880 according to an embodiment of the present invention. Figure is a diagram.

In more detail, in FIG. 9, the storage medium 885 shown in FIG. 8 is the ledger D / B 875 provided in the DBMS on the financial system 880, or is provided in the ledger D / B 875. In this case, the information structure for an embodiment of the method for storing the real estate comprehensive management account information is stored in the ledger information provided in the ledger D / B (875), a person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer various information forming methods for storing the real estate comprehensive management account information in the ledger D / B 875 by referring to and / or modifying the drawing 9, the present invention provides all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 875 provided in the DBMS on the financial system 880 is associated with a predetermined ledger and the ledger. The account ledger corresponding to the financial account opened through the real estate comprehensive management account opening system shown in FIG. 8 and at least one information associated with the account ledger are included. If the person with knowledge, the ledger D / B 875 provided in the DBMS on the financial system 880 has at least one ledger (for example, a reception ledger, a loan ledger, And / or at least one additional information for maintaining and managing the ledgers. Because be aware group technical details, the detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 9, the storage medium 885 is the ledger D / B 875 or the implementation method provided in the ledger D / B 875 according to an embodiment of the present invention. The customer information, the building (or building) information, the building (or building) value information, the real estate comprehensive management contract information, included in the real estate comprehensive management account opening request information provided through the real estate comprehensive management account opening system shown in FIG. Real-time comprehensive management account information including at least one of automatic insurance subscription consent information, tenant information, lease contract information is stored in the form of additional information added to the account ledger.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable that the insurance for repaying the lease specified in the lease agreement is included in the agreement information set to be automatically enrolled at the time the lease is concluded.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 880 associated with the real estate comprehensive management account opening system in response to the tenant. It is preferable to comprise at least one or more.

The lease contract information includes the owner (ie, the landlord) of the target building (or building) that has entered into the real estate management agreement, and the customer (ie, the tenant) who wants to lease some (or all) of the building (or building). Preferably, the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, the landlord), and the customer ( That is, the real estate comprehensive management account is opened in response to the customer (ie, the landlord) by registering the member information of the landlord (eg, the landlord) as the financial transaction customer (ie, the landlord) of the financial institution. It is preferable to include at least one member ID information, or CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system 880 associated with the system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

According to another embodiment of the present invention, the real estate comprehensive management account opening request information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). Additional information added to the), and / or in addition to the account ledger can be stored in the form of a separate independent ledger, thereby the present invention is not limited.

10 is a ledger provided with a DBMS on a financial system 880 having a storage medium 885 for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a non-face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method that includes a database associated with the D / B 875.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 885 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 875 included in the DBMS on the financial system 880. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 to include the real estate comprehensive management account information in a predetermined database. It is possible to infer a variety of information configuration method to be stored in association with 875, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when the real estate comprehensive management account information is not easily stored in the ledger information of the ledger D / B 875 on the DBMS provided on the financial system 880 (for example, the policy of a financial institution). If it is not easy to change the ledger D / B 875 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 880), the predetermined database may be used instead of the ledger D / B 875. It shows an implementation method for storing the real estate comprehensive management account information, and the database and the ledger D / B (875) in a linked process.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 880 as in the embodiment shown in FIG. 10, and a database on the Internet banking system according to the intention of a person skilled in the art; And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 10, in which the storage medium 885 includes a database associated with the ledger D / B 875 provided in the DBMS on the financial system 880 according to another exemplary embodiment of the present invention, the database At least the customer information, the building (or building) information, the building (or building) value information, the building (or building) value information, the real estate comprehensive management contract information, the automatic insurance subscription agreement information, the tenant information, and the lease contract information included in the real estate comprehensive management account opening request information. And storing the real estate comprehensive management account information including one or more, wherein the real estate comprehensive management account information corresponds to the ledger information in the real estate comprehensive management account information to be processed in connection with the ledger D / B 875. It is preferable to further comprise a CIF number.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable that the insurance for repaying the lease specified in the lease agreement is included in the agreement information set to be automatically enrolled at the time the lease is concluded.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 880 associated with the real estate comprehensive management account opening system in response to the tenant. It is preferable to comprise at least one or more.

The lease contract information includes the owner (ie, the landlord) of the target building (or building) that has entered into the comprehensive real estate management contract, and the customer (ie, the tenant) who wants to lease some (or all) of the building (or building). Preferably, the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer (ie, the landlord), and the customer ( That is, the real estate comprehensive management account is opened in response to the customer (ie, the landlord) by registering the member information of the landlord (eg, the landlord) as the financial transaction customer (ie, the landlord) of the financial institution. It is preferable to include at least one member ID information, or CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system 880 associated with the system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

11 illustrates an implementation in which a storage medium 885 for storing real estate comprehensive management account information corresponding to a real estate comprehensive management account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another embodiment of the present invention. A diagram illustrating the method.

More specifically, in Figure 11, the storage medium 885 shown in Figure 8 is a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of constructing information on real estate comprehensive management account information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 885 includes a DBMS provided in a banking server. Referring to FIG. 11, a predetermined DBMS provided in the banking server opens the real estate comprehensive management account. Comprehensive real estate including at least one of the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, auto insurance agreement information, tenant information, lease information included in the request information Characterized in that for storing the management account information.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) with which the financial institution providing the comprehensive real estate financial services is contracted. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In case of contact loss due to stay, etc., the lease contract for the building (or building) will be made in order to handle the lease deposit to be paid to the tenant upon the lease expiration date. Upon request, it is desirable to include consent information set up to be automatically enrolled at the time the lease is concluded in the insurance for repayment of the lease deposit specified in the lease.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). Member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 880 associated with the real estate comprehensive management account opening system in response to the tenant. It is preferable to comprise at least one or more.

The lease contract information includes an owner (ie, a landlord) of a target building (or building) that has entered into the comprehensive real estate management contract, and a customer (ie, a tenant) who wants to lease a portion (or all) of the building (or building). It is preferable that the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or landlord information) is the personal information of the customer (ie, the landlord) (for example, the name of the customer (ie, the landlord), social security number, address, telephone number, mobile phone number, e-mail address, etc.), and the customer. (Ie, the landlord) member information (e.g., the customer (i.e., the landlord) by joining the financial transaction customer (i.e., the landlord) of the financial institution corresponding to the customer (i.e. the landlord) the real estate comprehensive management account) It is preferable to include at least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880 associated with the establishment system.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

12A and 12B illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) in which a real estate comprehensive management financial service contract is concluded in a non-face-to-face manner according to an embodiment of the present invention. Figure is shown.

12A and 12B show the terminal device 890 on the real estate management account opening system shown in FIG. 8 as a client terminal, and the financial institution server 800 is connected to the client terminal through a predetermined network means. In the case of having an accessible web server function, a predetermined customer may open a real estate comprehensive management account for providing a comprehensive real estate management service to a building (or building) to which a real estate comprehensive financial service contract is concluded. Real estate comprehensive management account opening request information including at least one of customer information (or landlord information), building (or building) information, comprehensive real estate management contract information, automatic insurance agreement consent information, tenant information, lease information through the client terminal If provided, the customer information (or renter information in the real estate comprehensive management account opening system) Comprehensive real estate management financial services contract based on the real estate comprehensive management account opening request information including at least one building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information As for the implementation method of opening and processing the real estate comprehensive management account for providing the real estate comprehensive management service for this concluded building (or building), if the person having ordinary knowledge in the technical field to which the present invention belongs, 12a and 12b may be inferred from various implementation methods for registering the real estate comprehensive management account opening request information from the client terminal to the financial institution server 800, but the present invention is inferred It includes all implementation methods and is not limited to the implementation methods shown in FIGS. 12A and 12B. do.

For example, although the implementation method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the real estate comprehensive management account opening request information and storing the electronic document in an electronic document repository, the process may be performed by those skilled in the art. It may be omitted depending on the intention, thereby not limiting the present invention.

12A and 12B, the financial institution server 800 provides a user interface for inputting (or selecting) the real estate comprehensive management account opening request information. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, thereby the present invention is not limited.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. For convenience, the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement information transmitted to the financial company server 800 is opened for convenience. Request information ".

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to the server through a CDMA-based (and / or HSDPA-based) mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, When a web page including a user interface for providing a comprehensive real estate management service is requested to a building (or a building) to which a comprehensive management financial service contract is concluded (1200), the server responds to the customer information (or the landlord). Information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, lease contract information Generate (or extract) a web page including a user interface for inputting (or selecting) information for opening a real estate management account including request information to the server (1205) and generating (or extracting) through the network means. In operation 1210, the web page including the user interface is transmitted to the terminal.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the real estate management account opening request information. This is not limited.

Then, the terminal through the user interface included in the web page at least one or more customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement information Input (or select) the real estate comprehensive management account opening request information, including (1215).

If the terminal through the user interface real estate comprehensive management account including the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information When the establishment request information is input (or selected) (1220), the terminal receives the input (or selected) customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, through the communication channel, Automatic insurance subscription consent information, tenant information, lease contract information is transmitted to the server (1225).

According to an embodiment of the present invention, the terminal includes at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription consent information, tenant information, lease contract information. Through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the real estate comprehensive management account opening request information in the server to the real estate comprehensive management account opening request information It is preferable to further include at least one or more generated OTP code to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information. At least one encryption method (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) Etc.), and / or attach a predetermined electronic signature to the real estate management account opening request information and transmit the same to the server through the network means, for which the terminal corresponds to the encryption scheme. Have at least one encryption key, and / or comprise at least one encryption key Is provided with a predetermined public certificate, and / or a card reader for confirming a public certificate provided with the IC chip (or IC card) when the public certificate is provided with a predetermined IC chip (or IC card). It is preferred to be provided.

According to an embodiment of the present invention, the terminal includes at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription consent information, tenant information, lease contract information. At least one encryption method (for example, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method). It is preferable that the terminal is encrypted with the network means and transmitted to the server through the network means. For this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Has a predetermined certificate, and / or the certificate is a predetermined IC chip (or IC) If provided in the de), preferably it provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

In the technical field to which the present invention pertains, technical characteristics of various encryption methods for encrypting the real estate comprehensive management account opening request information and a predetermined electronic signature are attached to the real estate comprehensive management account opening request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the communication channel. The validity of the request information for opening a real estate management account is checked (1230).

According to an embodiment of the present invention, the real estate management account opening request information is at least one encryption method (eg, symmetric key based encryption and / or public key based encryption, and / or electronic envelope based encryption, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme) corresponding to the encryption scheme for the encrypted real estate management account opening request information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received real estate management account opening request information.

Alternatively, when a predetermined electronic signature is attached to the real estate comprehensive management account opening request information, the server checks the electronic signature attached to the real estate comprehensive management account opening request information, thereby receiving the received real estate comprehensive management account opening request information. It is desirable to authenticate the validity of the.

In the technical field to which the present invention pertains, technical features of various decryption methods for decrypting the encrypted real estate management account opening request information and the electronic signature attached to the real estate management account opening request information Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the real estate comprehensive management account opening request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the real estate comprehensive management account opening request information, The server authenticates the validity of the received real estate comprehensive management account opening request information by comparing and authenticating the received password included in the real estate comprehensive management account opening request information with the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the real estate comprehensive management account opening request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the real estate comprehensive management account opening request information, the server may include: By comparing and authenticating the security card information included in the real estate comprehensive management account opening request information with the security card information provided corresponding to the customer on the DBMS, the validity of the received real estate comprehensive management account opening request information is verified. It is desirable to authenticate.

Alternatively, when the real estate comprehensive management account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the real estate comprehensive management account opening request information, the server may be configured to include the information. Comparing and authenticating the received OTP code included in the real estate comprehensive management account opening request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received real estate comprehensive management account It is desirable to authenticate the validity of the open request information.

According to an embodiment of the present invention, the validity of the real estate comprehensive management account opening request information is confirmed by the real estate comprehensive management in the ledger D / B (875) on the financial system 880 associated with the real estate comprehensive management account opening system It is preferable to include whether the at least one ledger information matching the account opening request information is registered.

For example, the validity of the real estate comprehensive management account opening request information is the information contained in the real estate comprehensive management account opening request information, the customer information (customer personal information, member information, etc.) is the real estate comprehensive management account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 875 on the financial system 880 associated with.

In addition, the verification of the validity of the real estate comprehensive management account opening request information, the building (or building) information of the information contained in the real estate comprehensive management account opening request information, the financial system associated with the real estate comprehensive management account opening system ( It is preferably made to include matching with the building ledger (or separate building management D / B) stored in the ledger D / B (875) on 880.

If the validity of the real estate comprehensive management account opening request information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1240). Do not open an account.

On the other hand, if the validity of the real estate management account opening request information is authenticated (1235), the server includes at least one customer information (or landlord information), building (or building) information including the real estate management account opening request information Generate a predetermined document content including real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information (1245); Create (1250).

According to an exemplary embodiment of the present invention, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement included in the received real estate comprehensive management account opening request information. Generate document content including at least one of information, tenant information, lease information, and include a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) containing the document content. A word processor file including at least one / DOC, or a web document file including an MHT, etc.) to a building (or building) to which the comprehensive real estate financial services contract is concluded. It is preferable to process the electronic documents for the application for opening a comprehensive real estate management account.

Alternatively, the server may include customer information (or renter information), building (or building) information, comprehensive real estate management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Create document content including at least one piece of information, and include customer information (or renter information), building (or building) information, real estate management contract information, and automatics included in the real estate comprehensive management account opening request information. A document file (eg, a Portable Document Format (PDF) file including document content including the watermarking after including at least one or more information of the insurance subscription agreement information, the tenant information, and the lease contract information in a watermarking manner). , Or a word processor file including at least one EDI (Electronic Data Interchange) file, or HWP / DOC, Or a web document file including the MHT) to the building (or building) to which the comprehensive real estate management financial service contract is concluded, and to process the electronic property document for real estate comprehensive management account opening for providing comprehensive real estate management service. Do.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. The real estate comprehensive management of an image file that generates document content including at least one information and includes image content (eg, image content generated by capturing the document content on a memory) that captures the document content. For buildings (or buildings) to which a financial service contract is concluded, it is preferable to process the electronic document to apply for opening a real estate comprehensive management account to provide comprehensive real estate management services.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Create document content including at least one information, and the image content (e.g., image content generated by capturing the document content on a memory) captured in the real estate comprehensive management account opening request information. Watermarking method includes at least one or more of the included customer information (or landlord information), building (or building) information, real estate management agreement information, automatic insurance agreement consent information, tenant information, lease agreement information Comprehensive management of the image file including the image content including the watermarking For buildings (or buildings) to which a financial service contract is concluded, it is preferable to process the electronic document to apply for opening a real estate comprehensive management account to provide comprehensive real estate management services.

According to another exemplary embodiment of the present invention, the server includes customer information (or renter information), building (or building) information, real estate comprehensive management contract information, and automatic insurance included in the received real estate management account opening request information. Generate document content including at least one of consent information, tenant information, and lease information, and include image content (eg, image content generated by capturing the document content on a memory). A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, comprehensive management of real estate for buildings (or buildings) to which the real estate comprehensive management financial services contract is concluded Comprehensive Real Estate Management Account opened for the service provided it is preferable to apply processing to electronic documents.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Create document content including at least one information, and the image content (e.g., image content generated by capturing the document content on a memory) captured in the real estate comprehensive management account opening request information. Watermarking method includes at least one or more of the included customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance agreement information, tenant information, lease contract information A document file that generates image content and includes the image content including the watermarking ( Such as generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). For buildings (or buildings) to which a comprehensive management financial service contract is concluded, it is preferable to process the electronic document to apply for opening a real estate comprehensive management account to provide comprehensive real estate management services.

According to another exemplary embodiment of the present invention, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance included in the received real estate comprehensive management account opening request information. Image content (eg, image content generated by capturing the document content on a memory) and generating document content including at least one or more subscription agreement information, tenant information, and lease information; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including the real estate comprehensive management account opening request information; Or a web document file including an MHT) to sign the contract for real estate management financial services. Ding targeted (or buildings), it is preferable to treatment with Comprehensive Real Estate Property management application for comprehensive management account opening service electronic document.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Generating document content including at least one piece of information, and requesting information for opening the real estate comprehensive management account in the image content (eg, the image content generated by capturing the document content on a memory). Include at least one of customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance agreement consent information, tenant information, and lease information included in the watermarking method. Generating image content, the image content including the watermarking and the real estate general building A document file including request information for re-account opening (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By generating a web document file, etc.), it is preferable to process a real estate comprehensive management account open application electronic document for real estate comprehensive management service for a building (or building) to which the real estate comprehensive management financial service contract is concluded.

If the person skilled in the art of the present invention belongs to the technical features that the server generates a real estate comprehensive management account open application electronic document in the image file format and / or a predetermined document file format, and the real estate comprehensive management account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created electronic property management application opening application electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 associated with a server on the real estate comprehensive management account opening system through predetermined communication means. When the server is provided outside, the server transmits the generated real estate comprehensive management account opening request electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870) It is preferable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the real estate comprehensive management account opening system, the server may include the generated real estate comprehensive management account opening application electronic document in the real estate comprehensive management account opening system. It is possible to store in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the method of the present invention, storing the real estate comprehensive management account opening application electronic document in the electronic document storage, the generated real estate comprehensive management account opening application electronic document and the predetermined electronic document management information by the linkage processing It is preferable to include storing in the electronic document D / B 870 shown in FIG.

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

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

Also, the electronic document management information transmits predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the real estate comprehensive management account opening request information and / or the electronic property management application opening document). Financial institution information, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information, etc.).

If the electronic document storage application electronic document to open the real estate comprehensive management account is stored (1260), the server is the customer information (or renter information) included in the real estate comprehensive management account opening request information, building (or building) information In operation 1265, the financial account information is generated based on real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information.

The financial account information may include an account number and an interest rate information corresponding to the real estate comprehensive management account opened based on the request for opening the real estate comprehensive management account. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 880 to provide the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, and automatic insurance subscription included in the real estate comprehensive management account opening request information. A financial account of the customer's name including the financial account information is opened based on the consent information, the tenant information, and the lease contract information (1270).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby realizing the real estate comprehensive management account opening request information. In response to the building (or building) to the real estate comprehensive management financial services contract is concluded, a predetermined financial account for providing a real estate comprehensive management service is characterized in that the opening process.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 875 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 875 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server includes the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, included in the real estate comprehensive management account opening request information, The real estate comprehensive management account information including at least one lease contract information is generated and stored in a predetermined storage medium 885 (1275).

According to an embodiment of the present invention, when the storage medium 885 is provided in the server or on a network associated with the server, the server includes the received real estate management account opening request information. Recalling real estate management account information including at least one of customer information, building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. The storage medium 885 is preferably stored.

According to another embodiment of the present invention, when the storage medium 885 is provided in the DBMS provided on the financial system 880, the server includes the customer information included in the received real estate management account opening request information. The financial system includes real estate comprehensive management account information including at least one of building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is preferable to provide the information system through the external system on the 880 and store it in the DBMS provided on the financial system 880.

Thereafter, the server may store predetermined financial account opening history information (eg, the real estate comprehensive management account opening history, and / or the details of storing the real estate comprehensive management account opening application electronic document in the electronic document repository, and / or the storage). The record of storing the real estate comprehensive management account opening request information on the medium 885 is generated (or extracted) and transmitted to the terminal (1280).

According to an embodiment of the present invention, the storage medium 885 is provided in a DBMS on a financial system 880 provided on the real estate comprehensive management account opening system (or associated with the real estate comprehensive management account opening system). Preferably, the storage medium 885 is a ledger D / B 875 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 875 The present invention is not limited thereto.

According to another method of the present invention, the storage medium 885 is provided with (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the real estate management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a process of opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded according to an embodiment of the present invention. One drawing.

In more detail, FIGS. 13A, 13B, and 13C show a case in which the real estate management account opening system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the real estate shown in FIG. 8). In the case where the financial institution server 800 on the integrated management account opening system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and authenticates a predetermined customer. After performing the procedure, a predetermined real estate comprehensive management account is opened in the client terminal to open a real estate comprehensive management account for the real estate comprehensive management service for the building (or building) to which the real estate comprehensive management financial service contract is concluded. When the establishment request information is transmitted to the Internet banking server, the customer information (and Comprehensive real estate management finance based on the information on requesting to open a real estate comprehensive management account including at least one of renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information. For a building (or building) to which a service contract is concluded, an embodiment of the method for opening and processing the real estate comprehensive management account for providing real estate comprehensive management service, and a person having ordinary knowledge in the technical field to which the present invention belongs, 13a, 13b, and 13c, the present invention may infer various implementation methods for registering the real estate management account opening request information through other types of non-face-to-face financial transaction channels. The implementation shown in Figures 13a and 13b and 13c including all implementation methods inferred above. It shall not be limited by law.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering real estate comprehensive management account establishment request information between the client terminal and the internet banking server based on the browser program is illustrated, it is common in the art. Those skilled in the art may refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13A, 13B, and 13C, based on a predetermined Internet banking program mounted on the client terminal. With the client terminal Although it is possible to infer a method of connecting an internet banking-based financial transaction channel for registering a real estate comprehensive management account opening request information between the Internet banking servers, the present invention provides an internet banking-based financial service provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer implementation methods for linking non-face-to-face, channel-based financial transactions channels for registering real estate management account opening information. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking system. The configuration is by no means limited to the case of the Internet banking shown in FIGS. 13A, 13B, and 13C. .

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, and then transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and also from the terminal to the server for registering the real estate comprehensive management account opening request information. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the terminal for registering real estate comprehensive management account establishment request information in the terminal. Attach certain electronic signatures to information (or data) to be provided to the server and / or When encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a building (or building) for which a real estate comprehensive management financial service contract is concluded from the terminal to the server, and transmits and registers a request for opening a real estate comprehensive management account for providing comprehensive real estate management services. It means communication channel.

Thereafter, the terminal provides a web page including a user interface for providing a comprehensive real estate management service to a building (or building) to which the real estate comprehensive management financial service contract is concluded to the server through an internet banking-based financial transaction channel. When requested (1300b), the server correspondingly at least one of the customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement information Generate (or extract) a web page including a user interface for inputting (or selecting) real estate comprehensive management account opening request information including the above and transmitting the same to the server (1305b), and through the internet banking-based financial transaction channel. Transmitting and outputting a web page including the generated (or extracted) user interface to the terminal The (1310b).

According to an embodiment of the present invention, the web page includes at least the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease agreement information at the terminal. And a user interface for inputting (or selecting) real estate general management account opening request information including one or more, and / or validity for an Internet banking customer requesting to register the real estate general management account opening request information. Certain password and / or security card information (e.g., security card information printed on the security card issued to the customer during the internet banking application process) and / or one time password (OTP) (e.g., internet banking application process) OTP authenticator (or OTP authenticator) provided to the customer by a financial institution (or after applying for internet banking). It further comprises a user interface for inputting a one-time password generated by the g)) is preferred.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least one or more times according to the registration information registration procedure for real estate management management account, the present invention is not limited thereto.

Thereafter, the terminal includes at least one of the customer information (or renter information), building (or building) information, comprehensive property management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information through the financial account opening interface. Input (or select) the request information for opening the real estate comprehensive management account (1315b).

If the terminal through the user interface real estate comprehensive management account including the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract information When the opening request information is input (or selected) (1320b), the terminal transmits the input (or selection) of the real estate comprehensive management account opening request information to the server through the financial transaction channel (1325b).

According to an embodiment of the present invention, the terminal includes at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription consent information, tenant information, lease contract information. Through the predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for verifying the validity of the real estate comprehensive management account opening request information in the server to the real estate comprehensive management account opening request information It is preferable to further include at least one or more generated OTP code to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription consent information, tenant information, lease contract information. At least one encryption method (for example, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method). ), And / or attach a predetermined electronic signature to the real estate management account opening request information and transmit the same to the server through the network means. Have one or more encryption keys, and / or include at least one encryption key A card reader is provided for confirming an official certificate provided on the IC chip (or IC card) when a predetermined official certificate is provided and / or when the official certificate is provided on a predetermined IC chip (or IC card). It is desirable to be.

According to an embodiment of the present invention, the terminal includes at least one of the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription consent information, tenant information, lease contract information. At least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method). It is preferable that the terminal is encrypted with the network means and transmitted to the server through the network means. For this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have an official certificate of the IC chip and / or the IC certificate (or IC) If provided in the de), preferably it provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

In the technical field to which the present invention pertains, technical characteristics of various encryption methods for encrypting the real estate comprehensive management account opening request information and a predetermined electronic signature are attached to the real estate comprehensive management account opening request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the real estate comprehensive management account establishment request information through the financial transaction channel and checks the validity of the real estate comprehensive management account establishment request information (1330b).

According to an embodiment of the present invention, the real estate management account opening request information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme) corresponding to the encryption scheme for the encrypted real estate management account opening request information. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, or the like, to authenticate validity of the received real estate management account opening request information.

Alternatively, when a predetermined electronic signature is attached to the real estate comprehensive management account opening request information, the server checks the electronic signature attached to the real estate comprehensive management account opening request information, thereby receiving the received real estate comprehensive management account opening request information. It is desirable to authenticate the validity of the.

In the technical field to which the present invention pertains, technical features of various decryption methods for decrypting the encrypted real estate management account opening request information and the electronic signature attached to the real estate management account opening request information Since it will be familiar with the technical features to check, the detailed description thereof will be omitted for convenience.

When the real estate comprehensive management account opening request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the real estate comprehensive management account opening request information, The server authenticates the validity of the received real estate comprehensive management account opening request information by comparing and authenticating the received password included in the real estate comprehensive management account opening request information with the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the real estate comprehensive management account opening request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the real estate comprehensive management account opening request information, the server may include: By comparing and authenticating the security card information included in the real estate comprehensive management account opening request information with the security card information provided corresponding to the customer on the DBMS, the validity of the received real estate comprehensive management account opening request information is verified. It is desirable to authenticate.

Alternatively, when the real estate comprehensive management account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the real estate comprehensive management account opening request information, the server may be configured to include the information. Comparing and authenticating the received OTP code included in the real estate comprehensive management account opening request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received real estate comprehensive management account It is desirable to authenticate the validity of the open request information.

According to the implementation method of the present invention, the validity confirmation of the real estate comprehensive management account opening request information to the real estate comprehensive management account in the ledger D / B (875) on the financial system 880 associated with the real estate comprehensive management account opening system It is preferable to include checking whether at least one or more ledger information matching the establishment request information is registered.

For example, the validity of the real estate comprehensive management account opening request information is the information contained in the real estate comprehensive management account opening request information, the customer information (customer personal information, member information, etc.) is the real estate comprehensive management account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B 875 on the financial system 880 associated with.

In addition, the verification of the validity of the real estate comprehensive management account opening request information, the building (or building) information of the information contained in the real estate comprehensive management account opening request information, the financial system associated with the real estate comprehensive management account opening system ( It is preferably made to include matching with the building ledger (or separate building management D / B) stored in the ledger D / B (875) on 880.

If the validity of the real estate comprehensive management account opening request information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340b), and the real estate comprehensive management Do not open an account.

On the other hand, if the validity of the real estate management account opening request information is authenticated (1335b), the server includes at least one customer information (or renter information), building (or building) information including the real estate management account opening request information Generate a predetermined document content including real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information (1345b), and apply for an electronic document for opening a predetermined real estate comprehensive management account including the document content. Create (1350c).

According to an exemplary embodiment of the present invention, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement included in the received real estate comprehensive management account opening request information. Generate document content including at least one of information, tenant information, lease information, and include a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP) containing the document content. A word processor file including at least one or more DOC, or a web document file including an MHT), for a building (or building) to which the comprehensive real estate management financial service contract is concluded. It is preferable to process the electronic documents for the application for opening a comprehensive real estate management account.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Create document content including at least one piece of information, and include customer information (or renter information), building (or building) information, real estate management contract information, and automatics included in the real estate comprehensive management account opening request information. A document file (eg, a Portable Document Format (PDF) file including document content including the watermarking after including at least one or more information of the insurance subscription agreement information, the tenant information, and the lease contract information in a watermarking manner). , Or a word processor file including at least one EDI (Electronic Data Interchange) file, or HWP / DOC, Or a web document file including the MHT) to the building (or building) to which the comprehensive real estate management financial service contract is concluded, and to process the electronic property document for real estate comprehensive management account opening for providing comprehensive real estate management service. Do.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. The real estate comprehensive management of an image file that generates document content including at least one information and includes image content (eg, image content generated by capturing the document content on a memory) that captures the document content. For buildings (or buildings) to which a financial service contract is concluded, it is preferable to process the electronic document to apply for opening a real estate comprehensive management account to provide comprehensive real estate management services.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Create document content including at least one information, and the image content (e.g., image content generated by capturing the document content on a memory) captured in the real estate comprehensive management account opening request information. Watermarking method includes at least one or more of the included customer information (or landlord information), building (or building) information, real estate management agreement information, automatic insurance agreement consent information, tenant information, lease agreement information Comprehensive management of the image file including the image content including the watermarking For buildings (or buildings) to which a financial service contract is concluded, it is preferable to process the electronic document to apply for opening a real estate comprehensive management account to provide comprehensive real estate management services.

According to another exemplary embodiment of the present invention, the server includes customer information (or renter information), building (or building) information, real estate comprehensive management contract information, and auto insurance included in the received real estate management account opening request information. Generate document content including at least one of subscription agreement information, tenant information, and lease information, and capture image content (eg, image content generated by capturing the document content on a memory); A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Real estate comprehensive management for the building (or building) to which the real estate comprehensive management financial service contract is concluded. Comprehensive Real Estate Management Account opened for the service provided it is preferable to apply processing to electronic documents.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Create document content including at least one information, and the image content (e.g., image content generated by capturing the document content on a memory) captured in the real estate comprehensive management account opening request information. Watermarking method includes at least one or more of the included customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance agreement information, tenant information, lease contract information A document file that generates image content and includes the image content including the watermarking ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), For buildings (or buildings) to which a comprehensive management financial service contract is concluded, it is preferable to process the electronic document to apply for opening a real estate comprehensive management account to provide comprehensive real estate management services.

According to another exemplary embodiment of the present invention, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance included in the received real estate comprehensive management account opening request information. Image content (eg, image content generated by capturing the document content on a memory) and generating document content including at least one or more subscription agreement information, tenant information, and lease information; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including the real estate comprehensive management account opening request information; Or a web document file including an MHT) to sign the contract for real estate management financial services. Ding targeted (or buildings), it is preferable to treatment with Comprehensive Real Estate Property management application for comprehensive management account opening service electronic document.

Alternatively, the server may include customer information (or renter information), building (or building) information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, lease contract included in the received real estate comprehensive management account opening request information. Create document content including at least one information, and the image content (e.g., image content generated by capturing the document content on a memory) captured in the real estate comprehensive management account opening request information. Watermarking method includes at least one or more of the included customer information (or landlord information), building (or building) information, real estate comprehensive management contract information, automatic insurance agreement information, tenant information, lease contract information Create image content, the image content including the watermarking and the real estate complex Document file containing the account opening request information (eg, Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, Word processor file including at least one or more such as HWP / DOC, or Web including MHT) By generating a document file, etc., it is preferable to process a real estate comprehensive management account opening application electronic document for real estate comprehensive management service for a building (or building) to which the real estate comprehensive management financial service contract is concluded.

If the person skilled in the art of the present invention belongs to the technical features that the server generates a real estate comprehensive management account open application electronic document in the image file format and / or a predetermined document file format, and the real estate comprehensive management account You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document, so the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated real estate comprehensive management account opening application electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 associated with a server on the real estate comprehensive management account opening system through predetermined communication means. When the server is provided outside, the server transmits the generated real estate comprehensive management account opening request electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870) It is preferable.

Alternatively, when the electronic document storage is provided on a DBMS provided in the real estate comprehensive management account opening system, the server may include the generated real estate comprehensive management account opening application electronic document in the real estate comprehensive management account opening system. It is possible to store in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the method of the present invention, storing the electronic property management application opening document in the electronic document storage, the process by linking the generated electronic property management application opening application electronic document and predetermined electronic document management information to the It is preferable to include storing in the electronic document D / B 870 shown in FIG.

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

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

Also, the electronic document management information transmits predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the real estate comprehensive management account opening request information and / or the electronic property management application opening document). Financial institution information, and / or electronic document file format information, and / or the real estate comprehensive management account opening request information, etc.).

If the electronic document storage application electronic document opening application document is stored in the electronic document storage (1360c), the server includes the customer information (or renter information), the building (or building) information included in the real estate management account opening request information In addition, the financial account information is generated based on real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, and lease contract information (1365c).

The financial account information may include an account number and an interest rate information corresponding to the real estate comprehensive management account opened based on the request for opening the real estate comprehensive management account. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 880 to provide the customer information (or renter information), building (or building) information, real estate comprehensive management contract information, and automatic insurance subscription included in the real estate comprehensive management account opening request information. A financial account of the customer's name including the financial account information is opened based on the agreement information, the tenant information, and the lease contract information (1370c).

According to an exemplary embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 880 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby realizing the real estate comprehensive management account opening request information. In response to the building (or building) to the real estate comprehensive management financial services contract is concluded, a predetermined financial account for providing a real estate comprehensive management service is characterized in that the opening process.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 875 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 875 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server includes the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance subscription agreement information, tenant information, included in the real estate comprehensive management account opening request information, The real estate comprehensive management account information including at least one lease contract information is generated and stored in a predetermined storage medium 885 (1375c).

According to an embodiment of the present invention, when the storage medium 885 is provided in the server or on a network associated with the server, the server includes the received real estate management account opening request information. And store the real estate management account information including at least one of customer information, building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. Storage in medium 885 is preferred.

According to another embodiment of the present invention, when the storage medium 885 is provided in the DBMS provided on the financial system 880, the server includes the customer information included in the received real estate management account opening request information. The financial system includes real estate comprehensive management account information including at least one of building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. It is preferable to provide the information system through the external system on the 880 and store it in the DBMS provided on the financial system 880.

Thereafter, the server may store predetermined financial account opening history information (eg, the real estate comprehensive management account opening history, and / or the details of storing the real estate comprehensive management account opening application electronic document in the electronic document repository, and / or the storage). In the medium 885, a history of storing the real estate comprehensive management account opening request information) is generated (or extracted) and transmitted to the terminal (1380c).

According to an embodiment of the present invention, the storage medium 885 is provided in a DBMS on a financial system 880 provided on the real estate comprehensive management account opening system (or associated with the real estate comprehensive management account opening system). Preferably, the storage medium 885 is a ledger D / B 875 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 875 The present invention is not limited thereto.

According to another method of the present invention, the storage medium 885 is provided with (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the real estate management account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

14 is a view showing a system for opening a tenant management account for payment processing of rents, management fees, etc. for each tenant according to an embodiment of the present invention.

In more detail, FIG. 14 illustrates that a predetermined real estate management service provider requests a tenant management account for payment of rents, management fees, etc. for each tenant through a face-to-face virtual account opening interface, and the tenant management according to the present invention. A system for opening a tenant management account using a real estate comprehensive management account opened through a real estate comprehensive management account opening system shown in FIG. 1 or 8 opened in a name of a renter in an account opening system. Specifically, when the real estate comprehensive management service provider visits a window of a financial institution where the tenant management account is opened, prepares a predetermined virtual account opening application, and submits it to a window clerk, the window clerk opens the window through a predetermined window terminal. A predetermined virtual account corresponding to the application for opening a virtual account If the application information is provided, the tenant management account opening system according to the present invention relates to the implementation method for opening the tenant management account for payment processing such as rent, management fee, etc. to the tenant to the tenant .

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to infer various implementation methods for the construction of a tenant management account opening system for payment processing of rents, administrative expenses, etc. for each tenant. As will be appreciated, the present invention includes all implementation methods inferred above, and is not limited to the implementation method illustrated in FIG.

Hereinafter, the tenant corresponding to the tenant management account opening target based on the virtual account opening application information provided from the real estate comprehensive management service provider through a predetermined virtual account opening interface on the tenant management account opening system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for opening a predetermined tenant management account in the name are referred to as " tenant management account opening server 1400 " for convenience.

Referring to this figure 14 according to the embodiment of the present invention, the tenant management account opening system for the payment processing, such as rent, management fee, etc. for each tenant comprises a teller terminal used by the teller provided with at least one financial institution The counter terminal is connected to the tenant management account opening server 1400 provided on the tenant management account opening system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the real estate comprehensive management service provider visits the financial institution for payment processing such as rent, management fee, etc. for each tenant, through a window provided to the financial institution (or through a cashier). ) Prepare a virtual account opening application (for example, a document with a form for filling in at least one information item for payment of rent, management fee, etc.) (Or the clerk visits the real estate management service provider and asks the real estate management service provider to prepare a virtual account opening application for payment of the rent, management fee, etc. for each tenant); If the submitted application for opening a virtual account is submitted to the clerk, the clerk Inputs (or selects) the information written in the virtual account opening application through a predetermined teller terminal, and the teller terminal transmits the input (or select) information to the tenant management account opening system through the financial network. It is preferable to transmit to the provided tenant management account opening server (1400).

Here, the teller terminal preferably comprises a terminal used by a teller provided in the financial institution, the tenant management account opening server 1400 connected to the teller terminal is on the financial system in which the tenant management account is opened. It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the tenant management account opening server 1400 is connected to the communication channel between the teller terminal and the tenant management account opening server 1400 It is preferable to comprise a network.

In the tenant management account opening system as described above, a virtual account opening application made by the real estate comprehensive management service providing institution is connected to a teller terminal used by the teller and the teller terminal and the tenant management account opening server 1400. The financial network may function as a virtual account opening interface for the real estate comprehensive management service provider to register virtual account opening application information for payment processing such as rent, management fee, etc. for each tenant.

A financial institution that opens a tenant management account for payment of the rent, management fee, etc. for each tenant to a predetermined tenant at the request of the real estate comprehensive management service provider may have at least one financial transaction (eg, , Credit, receiving, foreign exchange, financial investment, etc.) is provided with a predetermined financial system for providing a service.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service to at least one financial transaction customer through a counter terminal, and the financial transaction service is a financial transaction for payment of rent, management fee, etc. for each tenant through opening and operating the tenant management account. It is desirable to include the service.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is based on the tenant by opening and operating the tenant management account. It is desirable to include a financial transaction service for payment of rent, administrative expenses, and the like.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet And a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or mobile terminal equipped with access and browsing function, and the financial transaction service may be performed by opening and operating the tenant management account. This includes financial transaction services for payment of rents and management fees by tenants. Preferable.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service provides financial services for payment processing such as rent, management fee, etc. for each tenant through opening and operating the tenant management account. It is made below, including room service are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services, and the financial transaction services include financial transaction services for payment of rents, administrative expenses, etc. for each tenant by opening and operating the tenant management account. It is preferable.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one connected to a predetermined wired voice telephony network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless call terminal (e.g., PCS and / or GSM) connected to the above-mentioned wired call terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network). Non-face-to-face financial transaction services to at least one financial transaction customer through a terminal and / or a smart phone, etc., wherein the financial transaction service is based on the tenant's management account, such as rent, management fee, etc. It is desirable to include a financial transaction service for payment processing.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service is a financial transaction service for payment of rent, management fee, etc. for each tenant through opening and operating the tenant management account. It is preferable to comprise a.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., and the financial transaction service pays rents, administrative expenses, etc. for each tenant through opening and operating the tenant management account. It is desirable to include financial transaction services for processing.

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

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 1500 on a financial system that stores at least one ledger, wherein the ledger D / B 1500 on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and corresponding and / or supplementing each ledger information (e.g., attributes / functions of each ledger) At least one ledger additional information is stored in a relational manner. The.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 1500 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a detailed description thereof will be omitted for convenience.

The tenant management account opening server 1400 provided on the tenant management account opening system according to the present invention is a generic term for the tenant management account opening system side components connected to the teller terminal through a predetermined financial network. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to the method of the present invention, the tenant management account opening server 1400 is characterized in that it comprises an interface unit 1405 for providing a predetermined virtual account opening interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface unit 1405 communicates with the teller terminal and a predetermined communication channel based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the communication protocol defined in the tenant management account opening program provided in the teller terminal.

Referring to FIG. 14, the tenant management account opening server 1400 interworks with the interface unit 1405 when a predetermined teller terminal is connected to the tenant management account opening server 1400 through the interface unit 1405. An interface providing unit 1410 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the teller terminal to the teller terminal; An information receiving unit 1415 receiving predetermined virtual account opening request information transmitted from the counter terminal through the user interface (1405) and the received virtual account opening request information based on the received virtual account opening request information An information generator 1420 for generating predetermined virtual account ledger information corresponding to the tenant management account to be opened to the customer; An account ledger of a financial account corresponding to the real estate comprehensive management account opened in the general ledger D / B 1500 through the real estate comprehensive management account opening system shown in FIG. 1 or 8 linked to the tenant management account; And an information storage unit 1425 for storing the generated virtual account ledger information in association.

The interface providing unit 1410 requests to open the virtual account in response to a functional configuration provided in the teller terminal when a predetermined teller terminal is connected to the tenant management account opening server 1400 through the interface unit 1405. Generate a predetermined user interface that can input (or select) information and transmit it to the tenant management account opening server 1400 via the financial network, and / or extract from a predetermined database (not shown), The user interface generated in conjunction with the unit 1405 may be provided to the window terminal through the financial network.

Thereafter, the teller terminal inputs (or selects) the virtual account opening application information based on the user interface, and the tenant management account opening server through the financial network through the input (or selection) of the virtual account opening application information. Send to (1400).

According to an embodiment of the present invention, when the teller terminal is a teller terminal connected to a predetermined financial network, the interface providing unit 1410 may provide a predetermined user interface that can be provided by a tenant management account opening program included in the teller terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 1405.

The information receiving unit 1415 inputs (or selects) predetermined virtual account opening application information through the user interface at the window terminal and transmits the information via the financial network. The virtual account is linked with the interface unit 1405. Characterized in that it receives the establishment application information, and provides the received virtual account establishment application information to the information generation unit 1420.

According to the implementation method of the present invention, the virtual account opening application information is a real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee for each tenant, the tenant information and Preferably, at least one real estate comprehensive management account information established through the real estate comprehensive management account opening system shown in FIG. 1 or FIG. 8 corresponding to the mother account linked to the virtual account is preferably included.

Here, the real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee, etc. for each tenant, the agency information of the agency providing the real estate comprehensive management service (for example, the name of the organization) , Business registration number, corporation registration number, address, telephone number, e-mail address, etc., and member information of the real estate comprehensive management service provider (for example, the real estate comprehensive management service provider is a financial transaction customer of the financial institution) At least one of member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system in association with the tenant management account opening system corresponding to the real estate comprehensive management service provider. It is preferable to comprise as mentioned above.

The tenant information may include personal information of the tenant (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and the tenant's member information (eg, the tenant is financed by the financial institution). At least one member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system linked with the tenant management account opening system in response to the tenant by joining as a transaction customer. It is preferable to comprise as mentioned above.

In addition, the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 linked to the virtual account is the tenant's name at the request of the real estate comprehensive management service provider. The information corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 corresponding to the real account linked to the management account, and to the ledger D / B 1500 on the financial system. It is preferable to include at least one or more account number and account holder information for the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG.

According to the embodiment of the present invention, the information receiving unit 1415 preferably further includes a function of checking the validity of the received virtual account opening application information.

Here, the verification of the validity of the opening of the virtual account includes the financial account corresponding to the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 included in the virtual account opening application information. It is preferable to include checking whether the ledger D / B 1500 on the financial system is opened as a real account.

The information generation unit 1420 generates predetermined virtual account ledger information to be provided in the tenant management account opened under the tenant's name based on the virtual account establishment application information received through the information receiving unit 1415. The virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 1500 provided on the financial system (or the virtual account is the tenant). Preferably at least one ledger information, which must be provided to process the requesting at least one financial transaction.

If one of ordinary skill in the art to which the present invention belongs, at least one ledger information to be included in the account ledger (or virtual account to be equipped to process at least one or more financial transactions requested by the lessee) Since it will be familiar with, detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the tenant management account is generated by the information generation unit 1420, the information storage unit 1425 is provided in the ledger D / B 1500 provided on the financial system. A predetermined virtual account ledger associated with the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 is generated, and the virtual account generated in the virtual account ledger It is characterized by storing the ledger information.

15 is a view showing the configuration of a virtual account ledger for payment processing of rents, management fees, etc. for each tenant according to an embodiment of the present invention.

In more detail, FIG. 15 is a diagram 1 or a diagram provided in the ledger D / B 1500 on the financial system for payment processing of rents, administrative expenses, etc. for each tenant in the tenant management account opening system shown in FIG. As for the virtual account ledger to be processed in connection with the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in 8, if the person having ordinary knowledge in the technical field to which the present invention belongs, Although various embodiments of the present invention may be inferred by referring to and / or modifying the drawing 15 for the construction of a virtual account ledger for payment processing of rents, administrative expenses, etc., the present invention includes all the implementation methods inferred above. It is not limited by the implementation method shown in this figure.

Referring to FIG. 15, the virtual account ledger corresponding to the tenant management account opened in the tenant's name for payment processing such as rent, management fee, etc. for each tenant is opened in the real estate comprehensive management account shown in FIG. It is characterized in that it is provided in the ledger D / B (1500) on the financial system is processed in connection with the account ledger corresponding to the real estate comprehensive management account opened through the system, the real estate comprehensive management shown in FIG. The account ledger corresponding to the real estate comprehensive management account opened through the account opening system may be processed in connection with a predetermined customer ledger corresponding to the landlord.

In this figure 15 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the landlord, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, a region. Classification code, phone 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, gender 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. It is preferable.

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

In addition, the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 in FIG. 15 is relationally associated with the customer ledger, and the account number and the CIF number. , Branch number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension, ARS setting, final Account ledger information including at least one deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid transaction number, interest rate account, flat consolidation, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation Is made, including, at least one or more of the account number corresponding to the account ledger, absent (months), period (days), period extension, expiration date and the target amount, and / or Or a trust reception information including at least one or more of an account number corresponding to the account ledger, a trust amount, a par value, a pension date and the number of shares, and / or an account number, a transaction number, a date, a store number, a product corresponding to the account ledger. It includes transaction details including at least one of a kind, a kind of a transaction, a cash amount, a RBI, a batch number, a compound transaction, a date of payment, a bank account line, a summary, and a CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 15, the virtual account ledger is linked to the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. The virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 1500 provided on the financial system (or the virtual account requested by the tenant). Preferably at least one ledger information, which must be provided for the processing of at least one financial transaction.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest rate, current extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the tenant The amount corresponding to the balance of the management account, wherein the actual balance of the tenant management account is not shown in FIG. It is desirable to be deposited in the real estate comprehensive management account opened through the opening of the real estate comprehensive management account.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

FIG. 16 is a diagram illustrating a tenant management account opening process for payment processing of rents, administrative expenses, etc. for each tenant according to an exemplary embodiment of the present invention.

In more detail, in FIG. 16, in the tenant management account opening system shown in FIG. 14, a predetermined customer opens the tenant management account through a predetermined virtual account opening interface (for example, a virtual account opening application, a counter terminal, and a financial network). Opening the Tenant Management Account to the Server 1400 When the predetermined virtual account opening application information is transmitted to the server 1400, the Tenant Management Account opening server 1400 is assigned to the tenant management account based on the virtual account opening application information. For the process of opening the person, if you have ordinary knowledge in the technical field to which the present invention belongs, opening the tenant management account for the payment processing of rents, administrative fees, etc. for each tenant by referring to and / or modified in this figure 16 It will be possible to infer various implementation methods, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to the implementation method shown.

Hereinafter, in FIG. 16, the teller terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the tenant management account opening server 1400 is referred to as "server" for convenience.

Referring to FIG. 16, a real estate comprehensive management service provider who intends to open a tenant management account to the tenant for payment processing such as rent, management fee, etc. for each tenant prepares a predetermined virtual account opening application form, and opens the created virtual account. When the application is submitted, the terminal provides the virtual account opening application information included in the virtual account opening application to the server through the virtual account opening interface (1600).

Here, the virtual account opening interface preferably comprises a virtual account opening application form created by the customer, a window terminal used by the financial institution employee, and a financial network connecting the window terminal and the server.

According to the implementation method of the present invention, the virtual account opening application information is a real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee, etc., and the tenant information Preferably, at least one real estate comprehensive management account information established through the real estate comprehensive management account opening system shown in FIG. 1 or FIG. 8 corresponding to the mother account linked to the virtual account is preferably included.

Here, the real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee, etc. for each tenant, the agency information of the agency providing the real estate comprehensive management service (for example, the name of the organization) , Business registration number, corporation registration number, address, telephone number, e-mail address, etc., and member information of the real estate comprehensive management service provider (for example, the real estate comprehensive management service provider is a financial transaction customer of the financial institution) At least one of member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system in association with the tenant management account opening system corresponding to the real estate comprehensive management service provider. It is preferable to comprise as mentioned above.

The tenant information may include personal information of the tenant (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and the tenant's member information (eg, the tenant is financed by the financial institution). By registering as a transaction customer, at least member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system associated with the tenant management account opening system in response to the tenant, It is preferable to include one or more.

In addition, the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 linked to the virtual account is the tenant's name at the request of the real estate comprehensive management service provider. The information corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 corresponding to the real account linked to the management account, and to the ledger D / B 1500 on the financial system. It is preferable to include at least one or more account number and account holder information for the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby confirming the validity of opening the tenant management account to the tenant ( 1605).

Here, the verification of the validity of the opening of the virtual account includes the financial account corresponding to the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 included in the virtual account opening application information. It is preferable to include checking whether the ledger D / B 1500 in the financial system is opened as a real account.

If the validity of opening the tenant management account to the customer is not authenticated through the virtual account opening application information (1610), the server informs the customer of the tenant management account opening error information through the virtual account opening interface. Provide (1615) and stop opening the tenant management account to the customer.

On the other hand, if the validity of opening the tenant management account to the customer is authenticated through the virtual account opening application information (1610), the server corresponds to the tenant management account to open to the tenant based on the virtual account opening application information. In operation 1620, the virtual account ledger information of the tenant's name is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 1500 provided on the financial system (or the virtual account is requested by the tenant) Preferably at least one ledger information to be provided for processing at least one financial transaction.

If one of ordinary skill in the art to which the present invention belongs, at least one ledger information to be included in the account ledger (or virtual account to be equipped to process at least one or more financial transactions requested by the lessee) Since it will be familiar with, detailed description thereof will be omitted for convenience.

Subsequently, the server comprehensively manages the real estate shown in FIG. 1 or 8 to be associated with a tenant management account to be opened to the tenant among at least one account ledger provided on the ledger D / B 1500 on the financial system. The account ledger corresponding to the real estate management account opened through the account opening system is identified (1625).

If the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 to be linked to the tenant management account to be opened to the tenant is confirmed (1630), the server The processing is performed in connection with the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 provided on the ledger D / B 1500 of the financial system. A virtual account ledger in the name of the tenant is created (1635), and in the real estate general management account opened in the ledger D / B 1500 on the financial system through the real estate comprehensive management account opening system shown in FIG. The generated virtual account ledger information is stored in the virtual account ledger generated by being associated with the corresponding account ledger (1640).

FIG. 17 is a diagram illustrating a tenant management account opening system for payment processing such as rent, management fee, etc. for each tenant according to another exemplary embodiment of the present invention.

In more detail, in FIG. 17, a predetermined real estate management service provider requests to open a tenant management account for payment of rents and management fees for each tenant through a virtual account opening interface including at least one non-face-to-face financial transaction channel. In the tenant management account opening system according to the present invention, a tenant management account having a real estate comprehensive management account opened through a real estate comprehensive management account opening system shown in FIG. As a system configuration for opening, specifically, the real estate comprehensive management service provider provides predetermined virtual account opening application information using a virtual account opening interface according to the present invention through a predetermined manager terminal corresponding to a non-face-to-face financial transaction channel. If provided, the tenant according to the present invention Lee opened the account in the system will be carried out on how to open an account and manage tenant for payment processing, such as the name of the tenant by tenant rents, management fees based on the virtual account opening application information.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 17 to infer various implementation methods for the construction of a tenant management account opening system for payment of rents, administrative expenses, etc. for each tenant. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, the tenant corresponding to the tenant management account opening target based on the virtual account opening application information provided from the real estate comprehensive management service provider through a predetermined virtual account opening interface on the tenant management account opening system shown in FIG. 17. Components corresponding to at least one or more means and / or functional configurations for opening a predetermined tenant management account are referred to as " tenant management account opening server 1700 "

Referring to FIG. 17 according to an embodiment of the present invention, a tenant management account opening system for payment processing of rents, administrative expenses, etc. for each tenant supports the establishment of a tenant management account in a non-face-to-face manner. In the case, the predetermined real estate comprehensive management service provider comprises (or select) a predetermined virtual account opening application information comprises a manager terminal for transmitting to the tenant management account opening server 1700, characterized in that the The manager terminal is connected to the tenant management account opening server 1700 provided on the tenant management account opening system through a predetermined network means.

According to one embodiment of the present invention, when the tenant management account opening system supports the establishment of a non-face-to-face tenant management account, the real estate comprehensive management service provider is a wired terminal connected to a predetermined wired network and / or predetermined Access the tenant management account opening server 1700 through at least one client terminal of wireless terminals connected to a wireless communication network of the tenant, and for each tenant through at least one user interface provided by the tenant management account opening server 1700; When the user inputs (or selects) virtual account opening application information for payment processing such as rent and management fee, the tenant management account opening server 1700 provided on the tenant management account opening system through a predetermined network means in the client terminal. It is desirable to send to.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

In addition, the client terminal outputs at least one user interface provided by the tenant management account opening server 1700, and inputs and / or selects at least one information through the user interface to establish the tenant management account opening server ( 1700, a function configuration (e.g., a browser program and communication function, or a predetermined communication program and communication function for communicating with the tenant management account opening server 1700) is preferably provided.

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

In the tenant management account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the real estate comprehensive management service provider, and the client terminal and the tenant management account opening server 1700. The at least one wired network and / or wireless network for connecting a function of the virtual account opening interface for the real estate comprehensive management service provider to register the virtual account opening application information for payment processing such as rent, management fee for each tenant Conduct.

According to another exemplary embodiment of the present invention, when the tenant management account opening system supports the establishment of a non-face-to-face tenant management account, the manager terminal is a predetermined financial network (eg, a financial common network) in addition to the client terminal. And a financial automatic teller machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD) connected to the network, and / or a predetermined public switched telephone network. A predetermined communication terminal (not shown) connected to a wired telephone network such as a network (PSTN), a voice over IP (VoIP) network, and / or a predetermined wireless telephone network such as a mobile communication network or a wireless VoIP network. A terminal (and / or server) further comprising a call terminal (not shown), and / or provided in at least one or more institutions affiliated with the financial institution (FIG. It may further include), whereby the present invention is not limited.

In the case of supporting a non-face-to-face tenant management account opening, when the manager terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) And a financial network connecting the tenant management account opening server 1700 of the virtual account opening interface for the real estate comprehensive management service provider to register virtual account opening application information for payment processing such as rent, management fee, etc. for each tenant. And / or connect the call terminal (not shown) and the call terminal (not shown) and the tenant management account opening server 1700 when the manager terminal is the call terminal (not shown). In the landline network and / or the radiotelephone network, the real estate comprehensive management service provider is responsible for processing the rent, management fee, etc. for each tenant. In the case of performing a function of a virtual account opening interface for registering the virtual account opening application information, and / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the manager terminal. The network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the tenant management account opening server 1700 may be configured by the property management service provider. It functions as a virtual account opening interface for registering virtual account opening application information for payment processing of rents and management expenses by tenants.

A financial institution that opens a tenant management account for payment of the rent, management fee, etc. for each tenant to a predetermined tenant at the request of the real estate comprehensive management service provider may have at least one financial transaction ( For example, it is characterized by having a predetermined financial system for providing services such as credit, receiving, foreign exchange, financial investment, etc.).

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Provide a face-to-face financial transaction service to at least one financial transaction customer through a counter terminal, and the financial transaction service is a financial transaction for payment of rent, management fee, etc. for each tenant through opening and operating the tenant management account. It is desirable to include the service.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service is based on the tenant's management account and the rental fee for each tenant. It is desirable to include financial transaction services for payment processing, such as management fees.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet And a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or mobile terminal equipped with access and browsing function, and the financial transaction service may be performed by opening and operating the tenant management account. This includes financial transaction services for payment of rents and management fees by tenants. Preferable.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). The financial transaction service is a finance for processing payment of rent, management fee, etc. for each tenant through opening and operating the tenant management account. It is made below, including room service are preferred.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services, and the financial transaction services include financial transaction services for payment of rents, administrative expenses, etc. for each tenant by opening and operating the tenant management account. It is preferable.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone, etc.) to provide a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service pays rent, management fee, etc. for each tenant through opening and operating the tenant management account. It is desirable to include financial transaction services for processing.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service is a financial transaction service for payment of rent, management fee, etc. for each tenant through opening and operating the tenant management account. It is preferable to comprise a.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., and the financial transaction service processes the payment of rents and administrative expenses for each tenant through opening and operating the tenant management account. It is desirable to include financial transaction services for the public.

Referring to FIG. 17, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 1800 on a financial system that stores at least one ledger, wherein the ledger D / B 1800 on the financial system includes at least the financial institution to provide to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) for processing one or more financial transactions, and corresponding and / or supplementing each ledger information (e.g., attributes / functions of each ledger) At least one ledger additional information is stored in association with the relationship (Relationship) All.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 1800 on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to each ledger information, each ledger information is linked and stored in relational relation, and / or predetermined ledger information and at least one ledger additional information are relational. As it will be appreciated that it is stored in a cooperative process, a detailed description thereof will be omitted for convenience.

The tenant management account opening server 1700 provided on the tenant management account opening system according to the present invention is a generic term for the tenant management account opening system side components connected to the manager terminal through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to the embodiment of the present invention, the tenant management account opening server 1700 is characterized in that it comprises an interface unit 1705 for providing a predetermined virtual account opening interface to the manager terminal via the network means.

According to an embodiment of the present invention, when the manager terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 1705 is the wired network. And / or connect a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network, and transmit and receive at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It would be desirable to provide a communication interface for the present invention.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a predetermined tenant management account opening program provided by the tenant management account opening server 1700, the interface unit 1705 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the manager terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1705 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the tenant management account opening program provided by the tenant management account opening server 1700 is provided in the client terminal, the interface unit 1705 connects a communication channel with the client terminal based on the CDMA protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 17, the tenant management account opening server 1700 is connected to the tenant management account opening server 1700 when a predetermined administrator terminal is connected to the tenant management account opening server 1700 through the interface unit 1705. An interface providing unit 1710 for generating (or extracting) a predetermined user interface for providing (or selecting) and transmitting predetermined virtual account opening application information from the manager terminal to the manager terminal; An information receiving unit 1715 for receiving predetermined virtual account opening application information input (or selected) and transmitted from the manager terminal through the user interface in cooperation with the unit 1705, and receiving the received virtual account opening application information. An information generation unit 1720 for generating predetermined virtual account ledger information corresponding to the tenant management account to be opened to the customer based on; The account of the financial account corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 linked to the tenant management account in the ledger D / B 1800 on the financial system. And an information storage unit 1725 for storing the generated virtual account ledger information in association with the ledger.

The interface providing unit 1710, when a predetermined manager terminal is connected to the tenant management account opening server 1700 through the interface unit 1705, the virtual account opening application corresponding to the functional configuration provided in the manager terminal Generate a predetermined user interface capable of inputting (or selecting) information and transmitting to the tenant management account opening server 1700 via the network means, and / or extracting from a predetermined database (not shown), The user interface generated in conjunction with the unit 1705 may be provided to the manager terminal through the network means.

Thereafter, the manager terminal inputs (or selects) the virtual account opening application information based on the user interface, and the tenant management account opening server through the network means for the input (or selection) of the virtual account opening application information. Send to 1700.

According to an embodiment of the present invention, when the manager terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 1710 is the client terminal. Generating (or extracting) a predetermined user interface that can be provided by a browser program and / or a communication program included in the apparatus, and providing the generated (or extracted) user interface to the client terminal through the interface unit 1705. desirable.

According to another exemplary embodiment of the present invention, when the manager terminal is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1710 may provide a browser program and / or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

The information receiving unit 1715 inputs (or selects) predetermined virtual account opening application information through the user interface from the manager terminal and transmits the information through the network means, and interworking with the interface unit 1705 to the virtual account. Characterized in that the application for opening information is received, and the received virtual account opening application information is provided to the information generation unit 1720.

According to the implementation method of the present invention, the virtual account opening application information is a real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee for each tenant, the tenant information and Preferably, at least one real estate comprehensive management account information established through the real estate comprehensive management account opening system shown in FIG. 1 or FIG. 8 corresponding to the mother account linked to the virtual account is preferably included.

Here, the real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee, etc. for each tenant, the agency information of the agency providing the real estate comprehensive management service (for example, the name of the organization) , Business registration number, corporation registration number, address, telephone number, e-mail address, etc., and member information of the real estate comprehensive management service provider (for example, the real estate comprehensive management service provider is a financial transaction customer of the financial institution) At least one of member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system in association with the tenant management account opening system corresponding to the real estate comprehensive management service provider. It is preferable to comprise as mentioned above.

The tenant information may include personal information of the tenant (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and the tenant's member information (eg, the tenant is financed by the financial institution). At least one member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system linked with the tenant management account opening system in response to the tenant by joining as a transaction customer. It is preferable to comprise as mentioned above.

In addition, the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 linked to the virtual account is the tenant's name at the request of the real estate comprehensive management service provider. The information corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 corresponding to the real account linked to the management account, and to the ledger D / B 1800 on the financial system. It is preferable to include at least one or more account number and account holder information for the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG.

According to the exemplary embodiment of the present invention, the information receiving unit 1715 preferably further includes a function of checking the validity of the received virtual account opening application information.

Here, the verification of the validity of the opening of the virtual account includes the financial account corresponding to the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 included in the virtual account opening application information. It is preferable to include checking whether the ledger D / B 1800 on the financial system is opened as a real account.

The information generating unit 1720 generates predetermined virtual account ledger information to be provided to the tenant management account opened under the tenant's name based on the virtual account opening application information received through the information receiving unit 1715. Characterized in that the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 1800 provided on the financial system (or the virtual account is the tenant) Preferably at least one ledger information, which must be provided to process the requesting at least one financial transaction.

If one of ordinary skill in the art to which the present invention belongs, at least one ledger information to be included in the account ledger (or virtual account to be equipped to process at least one or more financial transactions requested by the lessee) Since it will be familiar with, detailed description thereof will be omitted for convenience.

When predetermined virtual account ledger information to be included in the tenant management account is generated by the information generation unit 1720, the information storage unit 1725 includes the ledger D / B 1800 provided in the financial system. A predetermined virtual account ledger associated with the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 is generated, and the virtual account generated in the virtual account ledger It is characterized by storing the ledger information.

18 is a view showing the configuration of a virtual account ledger for payment processing of rents, management fees, etc. for each tenant according to another embodiment of the present invention.

In more detail, FIG. 18 is a diagram 1 or a diagram provided in the ledger D / B 1800 on the financial system for payment processing of rents, administrative expenses, etc. for each tenant in the tenant management account opening system shown in FIG. As for the virtual account ledger to be processed in connection with the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in 8, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the Figure 18 may be inferred a variety of implementation methods for the configuration of a virtual account ledger for payment processing, such as rents, management fees, etc., the present invention includes all the implementation methods inferred, It is not limited by the implementation method shown in FIG.

Referring to FIG. 18, the virtual account ledger corresponding to the tenant management account opened in the tenant's name for the payment of rent, management fee, etc. for each tenant is opened in the real estate comprehensive management account shown in FIG. Processed in conjunction with the account ledger corresponding to the real estate comprehensive management account opened through the system is characterized in that it is provided in the ledger D / B (1800) on the financial system, the real estate comprehensive management shown in FIG. The account ledger corresponding to the real estate comprehensive management account opened through the account opening system may be processed in connection with a predetermined customer ledger corresponding to the landlord.

In this drawing 18 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the landlord, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, a region. Classification code, phone 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, gender 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. It is preferable.

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

In addition, in this figure 18, the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 is linked to the customer ledger in a relational manner, and the account number and the CIF number. , Branch number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension, ARS setting, final Account ledger information including at least one deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid transaction number, interest rate account, flat consolidation, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation Is made, including, at least one or more of the account number corresponding to the account ledger, absent (months), period (days), period extension, expiration date and the target amount, and / or Or a trust reception information including at least one or more of an account number corresponding to the account ledger, a trust amount, a par value, a pension date and the number of shares, and / or an account number, a transaction number, a date, a store number, a product corresponding to the account ledger. It includes transaction details including at least one of a kind, a kind of a transaction, a cash amount, a RBI, a batch number, a compound transaction, a date of payment, a bank account line, a summary, and a CIF.

Those of ordinary skill in the art to which the present invention pertains clearly understand the contents and characteristics of the account ledger information included in the account ledger and the information contained in the at least one additional information structure linked to the account ledger. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 18, the virtual account ledger is linked to the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. The virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 1800 provided on the financial system (or the virtual account requested by the tenant). Preferably at least one ledger information, which must be provided for the processing of at least one financial transaction.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest rate, current extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and date of final interest calculation, wherein the virtual account deposit is the tenant The amount corresponding to the balance of the management account, wherein the actual balance of the tenant management account is not shown in FIG. It is desirable to be deposited in the real estate comprehensive management account opened through the opening of the real estate comprehensive management account.

Those skilled in the art will be familiar with at least one ledger information configuration to be included in the store virtual account ledger in addition to the virtual account ledger information described above, a detailed description thereof is omitted for convenience. do.

19 is a diagram illustrating a tenant management account opening process for payment processing, such as rent, management fee, etc. for each tenant according to another embodiment of the present invention.

In more detail, FIG. 19 illustrates a client terminal and a network in which a predetermined customer includes a predetermined virtual account opening interface (eg, at least one wired terminal and / or a wireless terminal) in the tenant management account opening system shown in FIG. 17. Means to transmit a predetermined virtual account opening application information to the tenant management account opening server 1700 to the tenant management account opening server 1700, and the tenant management account opening server 1700 opens the virtual account. Regarding the process of opening a predetermined tenant management account based on the application information, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 19, such as rent, management fee, etc. for each tenant. Various implementation methods for opening the tenant management account for payment processing may be inferred, but the present invention It includes both embodiments in which the inference method, not limited to the exemplary method shown in the figure 19.

Hereinafter, in FIG. 19, the manager terminal shown in FIG. 17 is referred to as "terminal" for convenience, and the tenant management account opening server 1700 is referred to as "server" for convenience.

Referring to FIG. 19, an integrated property management service provider who wants to open a tenant management account to the tenant for payment processing such as rent, management fee, etc. for each tenant accesses the server through the network means using the terminal. Request the virtual account opening interface for opening the tenant management account to the server (1900), and in response, the server extracts (or creates) a virtual account opening interface for opening the tenant management account and provides the terminal to the terminal. (1905)

Thereafter, the terminal inputs (or selects) predetermined virtual account opening application information through the virtual account opening interface and then provides the virtual account opening application information to the server through a predetermined virtual account opening interface (1910). .

The virtual account opening interface may include a predetermined terminal used by the real estate comprehensive management service provider, network means for connecting the terminal and the server, and inputting predetermined virtual account opening application information from the terminal at the server. It is preferable to include a user interface for transmitting to the server.

According to the implementation method of the present invention, the virtual account opening application information is a real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee for each tenant, the tenant information and Preferably, at least one real estate comprehensive management account information established through the real estate comprehensive management account opening system shown in FIG. 1 or FIG. 8 corresponding to the mother account linked to the virtual account is preferably included.

Here, the real estate comprehensive management service providing agency information requesting the tenant to open a tenant management account for payment processing such as rent, management fee, etc. for each tenant, the agency information of the agency providing the real estate comprehensive management service (for example, the name of the organization) , Business registration number, corporation registration number, address, telephone number, e-mail address, etc., and member information of the real estate comprehensive management service provider (for example, the real estate comprehensive management service provider is a financial transaction customer of the financial institution) At least one of member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system in association with the tenant management account opening system corresponding to the real estate comprehensive management service provider. It is preferable to comprise as mentioned above.

The tenant information may include personal information of the tenant (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.), and the tenant's member information (eg, the tenant is financed by the financial institution). At least one member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system linked with the tenant management account opening system in response to the tenant by joining as a transaction customer. It is preferable to comprise as mentioned above.

In addition, the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 linked to the virtual account is the tenant's name at the request of the real estate comprehensive management service provider. The information corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 corresponding to the real account linked to the management account, and to the ledger D / B 1800 on the financial system. It is preferable to include at least one or more account number and account holder information for the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby confirming the validity of opening the tenant management account to the customer ( 1915).

Here, the verification of the validity of the opening of the virtual account includes the financial account corresponding to the real estate comprehensive management account information opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 included in the virtual account opening application information. It is preferable to include checking whether the ledger D / B 1800 on the financial system is opened as a real account.

If the validity of opening the tenant management account to the customer is not authenticated through the virtual account opening application information (1920), the server informs the customer of the tenant management account opening error information through the virtual account opening interface. Provide (1925) and stop opening the tenant management account to the customer.

On the other hand, if the validity of opening the tenant management account to the customer is authenticated through the virtual account opening application information (1920), the server corresponds to the tenant management account to open to the tenant based on the virtual account opening application information. In operation 1930, the virtual account ledger information of the tenant's name is generated.

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B 1800 provided on the financial system (or the virtual account is requested by the tenant) Preferably at least one ledger information to be provided for processing at least one financial transaction.

If one of ordinary skill in the art to which the present invention belongs, at least one ledger information to be included in the account ledger (or virtual account to be equipped to process at least one or more financial transactions requested by the lessee) Since it will be familiar with, detailed description thereof will be omitted for convenience.

Subsequently, the server comprehensively manages the real estate shown in FIG. 1 or 8 to be associated with a tenant management account to be opened to the tenant among at least one account ledger provided on the ledger D / B 1800 on the financial system. The account ledger corresponding to the real estate management account opened through the account opening system is identified (1935).

If the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 to be linked to the tenant management account to be opened to the tenant is confirmed (1940), the server The processing is performed in association with the account ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in FIG. 1 or 8 provided on the ledger D / B 1800 on the financial system. Create a virtual account ledger in the name of the tenant (1945), and in the real estate general management account opened in the ledger D / B (1800) on the financial system through the real estate comprehensive management account opening system shown in FIG. In operation 1950, the generated virtual account ledger information is stored in a virtual account ledger generated by being associated with a corresponding account ledger.

20 is a diagram illustrating a real estate comprehensive management account operating system for providing a comprehensive real estate management service to a building (or building) to which a real estate comprehensive management financial service contract is concluded according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates the real estate comprehensive management by operating the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in the drawings based on the real estate comprehensive management account information stored in the storage medium 2045. Regarding the construction of a system for providing a comprehensive real estate management service for a building (or building) to which a financial service contract is concluded, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or see FIG. 20. It is possible to infer various implementation methods for the real estate comprehensive management account operating system for providing real estate comprehensive management service to the building (or building) to which the real estate comprehensive management financial service contract is concluded. It includes all implementation methods inferred, and only the implementation method shown in FIG. Technical features are not limited.

Referring to FIG. 20 according to an embodiment of the present invention, the real estate comprehensive management account operating system is a financial system equipped with a ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in the drawings. And real estate management account information including at least one of the customer information, building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance agreement consent information, tenant information, and lease contract information. The real estate comprehensive management account information is stored in the storage medium 2045 and the real estate comprehensive management account in association with the financial system, and periodically checks the real estate comprehensive management account information stored in the storage medium 2045. Operation of financial accounts that provide comprehensive real estate management services for buildings (or buildings) with contracts It is characterized by comprising a server (2000).

Here, the storage medium 2045 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the financial account management server 2000 is a ledger server provided in the financial system, or a financial company server on the real estate comprehensive management account opening system shown in the drawings, or the financial system shown in the drawings. Various banking servers (e.g., an internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) operating the real estate comprehensive management account in association with each other, or the real estate comprehensive management financial service contract is concluded. It may be a separate server provided to provide a real estate comprehensive management service for a building (or building), whereby the present invention is not limited.

In addition, in FIG. 20, the financial account management server 2000 functions to operate the comprehensive real estate management account in association with the financial system, and periodically stores the real estate comprehensive management account information stored in the storage medium 2045. While confirming the building (or building) to the real estate comprehensive management financial service contract is confirmed, including all the functional configuration to provide a real estate comprehensive management service, but the present invention is not limited by this, the financial account It is apparent that the operation server 2000 may be made through a separate server (or device) for each functional configuration.

The financial system is a general term for a computer system in which a ledger corresponding to the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in the drawings is provided, and is basically a branch (and / or a branch of the financial institution). Sales offices) and at least one window terminal and a predetermined financial network (e.g., bank network), characterized in that connected to at least one financial transaction customer through the counter terminal financial transaction service To provide.

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

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

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

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

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

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

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

Referring to FIG. 20, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As 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 teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

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

The storage medium 2045, the customer information and building (or building) information, building (or building) value information, real estate comprehensive management contract information, automatic insurance through the real estate comprehensive management account opening system shown in the drawings As a general term of storage means for storing real estate comprehensive management account information including at least one agreement information, tenant information, lease agreement information, the storage medium 2045 is in accordance with the intention of those skilled in the art to the ledger D / B on the financial system It may be provided, or in a predetermined database associated with the ledger D / B, or on at least one banking system.

In addition, the storage medium 2045 includes a tenant's account information corresponding to the tenant's management account opened through FIG. 14 or FIG. 17, and details of rents, administrative expenses, etc., deposited through the tenant's account. When the lease agreement between the landlord and the lessee concludes the lease, it is preferable to further store insurance information for handling the insurance for the tenancy deposit paid by the tenant.

The building (or building) information is for the building (or building) to which the real estate management financial service contract is concluded, and the customer (ie, the landlord) who owns the building (or building) to provide the comprehensive property management service. At least a building (or building) name, a building (or building) address, a building (or building) owner's name, etc., for the target building (or building) that has been contracted between the financial institution providing the comprehensive real estate financial services. It is preferable to include one or more.

The real estate comprehensive management contract conclusion information is for the building (or building) to which the real estate comprehensive management financial service contract is concluded, in order to provide real estate comprehensive management services, the owner of the building (or building) and the real estate comprehensive management financial services Preferably, the contract information includes a contract between the financial institutions that provide the contract information, and the contract information includes management fee information, management fee payment date information, and comprehensive information about the target building (or building) according to the conclusion of the comprehensive real estate management contract. At least one management report providing date information, comprehensive management report information is preferably included.

The automatic insurance agreement consent information may be used when the customer (ie, the landlord) applies for real estate management financial services, and various unexpected situations of the customer (ie, the landlord) (eg, bankruptcy of the customer (ie, the landlord), long-term overseas). In the event of a loss of contact due to stay, etc.), request a lease contract for the building (or building) in order to process the tenancy deposit to be paid to the tenant according to the lease expiration date. City, it is preferable that the insurance for repaying the lease specified in the lease agreement is included in the agreement information set to be automatically enrolled at the time the lease is concluded.

The tenant information includes the tenant's personal information (eg, the tenant's name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) and the tenant's member information (eg, the tenant is a financial transaction customer of the financial institution). At least one or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the real estate comprehensive management account opening system in response to the tenant. It is preferable to comprise.

The lease contract information includes an owner (ie, a landlord) of a target building (or building) that has entered into the comprehensive real estate management contract, and a customer (ie, a tenant) who wants to lease a portion (or all) of the building (or building). It is preferable that the contract information is concluded (or concluded), and the lease contract information includes at least one or more of the lease contract expiration date, lease deposit, rent, rent payment date, contract specificity information, and the like.

The customer information (or renter information) is the personal information of the customer (ie, the landlord) (eg, the name, social security number, address, telephone number, mobile number, e-mail address, etc.) of the customer (ie, the landlord), and the customer ( That is, the real estate comprehensive management account is opened in response to the customer (ie, the landlord) by registering the member information of the landlord (eg, the landlord) as the financial transaction customer (ie, the landlord) of the financial institution. At least one member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the system is preferably included.

The building (or building) value information may include at least one of a notice price, a real transaction price, and the like for the requested building (or building) when the customer (ie, the landlord) requests a comprehensive real estate management financial service for the building (or building). It is preferable that it is value amount information of the building (or building) which is included above, and may be an amount reflecting the quotation information of the building (or building) according to the intention and purpose of a person skilled in the art.

When the tenant account information is provided to the real estate comprehensive management service, the tenant account information for the virtual account having the real estate comprehensive management account shown in FIG. 1 or 8 as the parent account through the tenant management account opening system shown in FIG. 14 or 17. Preferably, the financial account information includes financial account information, and the financial account information includes at least one or more financial institution information, financial account number, mother account information, tenant information, and the like, in which the financial account is opened.

The storage history information is preferably storage history for the management fee, rent, etc., deposited through the tenant account, the storage history information includes at least one or more classification information, such as storage date and time, management costs or rent, and the amount of money received It is preferable to make.

The insurance information is obtained when the owner (ie, the landlord) of the target building (or building) that has entered into the comprehensive real estate management contract and the tenant who wants to lease some (or all) of the building (or building). Protect the tenancy deposit against the tenancy deposit paid by the tenant if the owner (ie, the landlord) of the building (or building) fails to pay the tenancy deposit at the time the lease expires; As insurance information for lease deposit protection, the insurance information preferably comprises at least one insurance company information, premium information, insurance information.

Referring to FIG. 20, the financial account operation server 2000 may include at least one client terminal 2050 and the at least one client terminal 2050 to operate the real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in the drawings. An interface unit 2005 (or an interface means) for connecting a communication channel for operating a real estate comprehensive management account and a predetermined number for operating the real estate comprehensive management account from the customer terminal 2050 in connection with the interface unit 2005. An information receiving unit 2025 (or information receiving means) for receiving financial account usage information, and a financial account operating unit for operating the real estate comprehensive management account in association with the financial system based on the received financial account usage information (2010). (Or financial account operating means), characterized in that, according to the intention of those skilled in the art It is possible to consist of at least two or more functional components (or means) in detail, whereby the invention is not limited.

According to an embodiment of the present invention, when the customer terminal 2050 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 2005 may be configured based on the protocol stack defined in the communication network. Connecting a predetermined communication channel with an employee terminal, and transmitting and receiving at least one information (or data) for operating the real estate comprehensive management account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another embodiment of the present invention, when the customer terminal 2050 includes a wired terminal connected to a predetermined wired communication network, the interface unit 2005 based on the protocol stack defined in the wired communication network. At least one or more information for connecting the terminal 2050 and a predetermined communication channel and operating the wired terminal and the real estate comprehensive management account using a communication protocol defined in a financial transaction program included in the customer terminal 2050 ( Or a communication interface for transmitting and receiving data).

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal 2050, the interface unit 2005 may be connected to the customer terminal 2050 based on the TCP / IP protocol. Linking a communication channel and using a HTPP protocol defined in the browser program, a predetermined web page (e.g., Hyper-Text Markup Language (HTML) compatible web page) and / or information for operating the real estate comprehensive management account. It provides a communication interface for transmitting and receiving (or data).

Or, if the customer terminal 2050 is provided with a predetermined financial transaction program directly interworking with the financial account management server 2000, the interface unit 2005 is based on the TCP / IP protocol for the customer terminal ( 2050) and a communication interface for transmitting and receiving information (or data) for operating the real estate comprehensive management account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 2050 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 2005 based on the protocol stack defined in the wireless communication network. At least one or more information (or data) for operating the real estate comprehensive management account by connecting a predetermined communication channel to a customer terminal 2050 and using a communication protocol defined in a financial transaction program included in the customer terminal 2050. It is desirable to provide a communication interface for transmitting and receiving.

For example, when the customer terminal 2050 is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 2005 may be configured based on the CDMA / WCDMA protocol. Connect a communication channel with a customer terminal 2050 and use a WAP / ME protocol defined in the browser program to designate a predetermined web page (e.g., WML (Wireless Markup Language) compatible web page for operating the real estate comprehensive management account). , Or an HTML compatible web page) and / or an interface for transmitting and receiving information (or data).

Or, if the customer terminal 2050 is provided with a predetermined financial transaction program directly interworking with the financial account management server 2000, the interface unit 2005 is based on the CDMA / WCDMA protocol, the customer terminal ( 2050) and a communication interface for transmitting and receiving information (or data) for operating the real estate comprehensive management account using a communication protocol defined in the financial transaction program.

The information receiving unit 2025 receives predetermined financial account usage information for operating the real estate comprehensive management account from the customer terminal 2050 in connection with the interface unit 2005, wherein the received financial account The usage information is provided to the financial account manager 2010.

The financial account manager 2010 may perform various financial transaction procedures for the real estate comprehensive management account in connection with the financial system based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the real estate comprehensive management account, the financial The account management unit 2010 may perform a deposit transaction procedure for the real estate comprehensive management account in connection with the financial system based on the financial account usage information, and the deposit transaction details correspond to the real estate comprehensive management account. It is preferable to record in the ledger.

According to another embodiment of the present invention, withdrawal transaction request information for the real estate comprehensive management account (for example, deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the real estate comprehensive management account) in the financial account use information. ), It is preferable that the financial account manager 2010 performs a withdrawal transaction (or transfer transaction) procedure for the real estate comprehensive management account in connection with the financial system based on the financial account usage information. Preferably, the withdrawal transaction details are recorded in the ledger corresponding to the real estate comprehensive management account.

In addition, the financial account management unit 2010 periodically checks the amount deposited in the real estate comprehensive management account, and the interest (or return) on the deposit amount according to the interest rate (or yield) corresponding to the real estate comprehensive management account. Proceeds), deposit the calculated interest (or proceeds) into the real estate management account, and record the deposit of interest (or proceeds) in the ledger corresponding to the real estate management account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to FIG. 20, the financial account management server 2000 may be configured to provide a real estate comprehensive management service to a building (or a building) to which the real estate comprehensive management financial service contract is concluded. While operating the comprehensive real estate management account in conjunction with the financial system, check the new lease agreement information included in the real estate comprehensive management account information in connection with the storage medium 2045, or to the pre-signed lease agreement Lease deposit for the real estate comprehensive management account based on the information confirmation unit 2020 (or information confirmation means) for confirming the payment date information such as the rent or management fee for the property and the new lease contract information confirmed in connection with the financial system Confirm the existence of a deposit, or be deposited into the real estate management account (or the real estate management account to the parent account) Financial account confirmation unit (2015) (or financial account confirmation means) for confirming the management fee or rent details deposited to the virtual account (that is, the tenant account), and when the payment date such as the confirmed rent or management fee arrives, the rent Or an information transmitting unit 2040 (or an information transmitting means) for notifying the tenant who is to pay the administrative expenses, etc., such as rent or administrative expenses, and the deposit of the real estate comprehensive management account (or the real estate comprehensive management account). When the management fee or the rent details deposited to the virtual account (that is, the tenant account) is confirmed, the information storage unit 2030 (or information storage means) for storing the confirmed storage information in the storage medium 2045 Characterized in that the provided, the insurance processing unit 2035 (or insurance processing unit) is the deposit deposit, if the deposit deposit, the lease deposit Characterized in that for processing the insurance.

The information confirming unit 2020 may check new lease contract information among lease contract information included in the real estate comprehensive management account information.

In addition, the information checking unit 2020 checks the lease contract information pre-stored in the storage medium 2045, characterized in that to confirm the payment date information such as rent or administrative fees.

According to the method of the present invention, the new lease contract information confirmation of the information contained in the real estate comprehensive management account information, the new addition by periodically checking (or real-time) the storage medium 2045 in which the real estate comprehensive management account information is stored It is advisable to check the lease contract information.

According to an embodiment of the present invention, the payment date information such as rent or management fee among information included in the real estate comprehensive management account information is checked periodically (or in real time) for the lease contract information stored in the storage medium 2045. It is preferable.

The financial account checking unit 2015 checks whether a lease deposit is deposited into the real estate comprehensive management account when there is a newly confirmed lease through the information checking unit 2020.

In addition, the financial account checking unit 2015 confirms the management fee or rent details deposited into the real estate comprehensive management account (or a virtual account (ie, the tenant account) using the real estate comprehensive management account as a parent account). It features.

According to the implementation method of the present invention, when there is a lease deposit which is deposited into the real estate comprehensive management account, it is preferable to purchase insurance for the lease deposit through the insurance company server in association with the insurance subscription processing unit 2035.

According to the implementation method of the present invention, the confirmation of the management fee or rent, etc., is to confirm the amount of money deposited into the real estate comprehensive management account and the details to be booked on the account book to confirm the management fee or rent, etc. desirable.

According to another exemplary embodiment of the present invention, the confirmation of the management fee or the rent, which is deposited, grants each tenant's virtual account (that is, the tenant's account) through the virtual account having the real estate comprehensive management account as the parent account, It is advisable to check the amount of money deposited through the virtual account (ie, tenant account) to confirm the administrative expenses or rent.

The insurance subscription processing unit 2035 is characterized in that when the lease deposit for the new lease agreement is deposited into the real estate comprehensive management account, the insurance subscription for the deposited lease deposit in connection with the insurance company server.

The information transmission unit 2040 notifies the tenant who will pay the rent or management fee when the date of payment of the confirmed rent or management fee arrives (that is, the payment request information is the tenant terminal). To be transmitted to).

In addition, the information transmission unit 2040 is characterized in that the process to be transmitted to the customer (that is, the landlord) the details of the deposit lease deposit when the deposit deposit according to the new lease agreement to the real estate comprehensive management account.

In addition, the information transmission unit 2040 is characterized in that the collection of the rent or management fee received by the tenant is transferred to the real estate comprehensive management account to be transmitted to the landlord terminal.

The information storage unit 2030, when the management fee or the rent details are deposited into the real estate comprehensive management account (or a virtual account of the real estate comprehensive management account as the parent account) is confirmed, the storage information confirmed the storage It is characterized in that the storage in the medium 2045.

In addition, the information storage unit 2030 is characterized in that the insurance information processing through the insurance processing unit 2035 stores in the storage medium 2045.

The storage history information is preferably storage history for the management fee, rent, etc., deposited through the tenant account, the storage history information includes at least one or more classification information, such as storage date and time, management costs or rent, and the amount of money received It is preferable to make.

The insurance information is obtained when the owner (ie, the landlord) of the target building (or building) that has entered into the comprehensive real estate management contract and the tenant who wants to lease some (or all) of the building (or building). Protect the tenancy deposit against the tenancy deposit paid by the tenant if the owner (ie, the landlord) of the building (or building) fails to pay the tenancy deposit at the time the lease expires; As insurance information for lease deposit protection, the insurance information preferably comprises at least one insurance company information, premium information, insurance information.

FIG. 21 is a flowchart illustrating a processing process of depositing a deposit in a real estate comprehensive management account operating system for providing a comprehensive real estate management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded according to an embodiment of the present invention. Figure is shown.

More specifically, FIG. 21 is a real estate comprehensive management by operating a real estate comprehensive management account opened through the real estate comprehensive management account opening system shown in the drawings based on the real estate comprehensive management account information stored in the storage medium 2045. For a building (or building) to which a financial service contract is concluded, a process of rent deposit deposit in a system for providing a comprehensive real estate management service is provided, and a person having ordinary knowledge in the technical field to which the present invention belongs, Referring to FIG. 21 and / or modified to the building (or building) to which the real estate management financial services contract is concluded, the process of rent deposit in the real estate comprehensive management account operating system for providing real estate comprehensive management service It will be possible to infer various implementation methods for the present invention, but the present invention It is made including the implementation method, the technical features are not limited only to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify this drawing 21, and various implementation methods such as modifying the order of the operation flow for automatic payment of rent shown in this drawing 21. It may be inferred, but the present invention is not limited thereto.

Hereinafter, in FIG. 21, the financial account operating server 2000 illustrated in FIG. 20 is referred to as a “server” for convenience.

Referring to FIG. 21, the server checks new lease contract information among lease contract information stored in the storage medium 2045 shown in FIG. 20 (2100).

According to the method of the present invention, the new lease contract information confirmation of the information contained in the real estate comprehensive management account information, the new addition by periodically checking (or real-time) the storage medium 2045 in which the real estate comprehensive management account information is stored It is advisable to check the lease contract information.

If there is new lease contract information (2105), the server checks whether the lease deposit is deposited according to the new lease contract among the amounts deposited into the real estate comprehensive management account (2110).

If the rent deposit according to the new lease is deposited (2115), the server further checks the automatic insurance subscription consent information according to the rent deposit (2120).

Here, the automatic insurance agreement may be omitted according to the intention and purpose of those skilled in the art, and if omitted, it is preferable to process the insurance for all cases or not to insure the insurance.

If the user agrees to the automatic insurance (2125), the server processes the insurance for the deposited lease (2130), and the insurance information according to the insurance processing for the rental deposit is shown in FIG. The storage medium 2045 is shown in FIG. 2135.

Thereafter, the server processes the deposit rent details to be transmitted to the landlord terminal (2140).

According to the present invention, by automatically subscribing to the insurance for the rental deposit when the tenancy is concluded from the tenant, at the same time to solve the inconvenience caused by the insurance, at the same time the landlord is bankrupt when the lease contract expires to solve this problem There are advantages to it.

According to the present invention, by providing and managing a separate virtual account for each tenant, there is an advantage that more convenient tenant management is possible.

Claims (7)

Receiving a request for opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or building) to which a real estate comprehensive management financial service contract is concluded; Opening a financial account corresponding to the received real estate management account opening request information; When a new lease is concluded with a target tenant to be managed through the opened real estate comprehensive management account, depositing a lease deposit according to the lease into the real estate comprehensive management account; And processing a subscription to an insurance product for payment of a lease deposit in response to the deposited lease deposit. The method of claim 1, The real estate comprehensive management account information, Method of operating a real estate management account, characterized in that the value further comprises the building (or building) value information, real estate comprehensive management contract information, tenant information, lease contract information. The method of claim 1, wherein the insurance product, After the lease is concluded, if the lease payment is impossible due to the bankruptcy of the landlord at the time of payment of the lease deposit, a real estate management account operating method, characterized in that the insurance product to protect the lease. The method of claim 1, When the lease (or administrative fee) payment date of the lease contract managed through the real estate comprehensive management account arrives, And transmitting the rent (or management fee) payment request information to the tenant terminal. The method of claim 1, When a new lease is concluded with a target tenant to be managed through the opened real estate comprehensive management account, opening a virtual account-a tenant account-for deposit (or management fee) for the tenant who has signed the lease; Upon arrival of the rent (or administrative fee) payment date, depositing the rent (or administrative fee) amount into the virtual account, and classifying and storing the deposited rent (or administrative fee) details for each tenant. How to operate a real estate management account. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving a request for opening a real estate comprehensive management account for a real estate comprehensive management service for a building (or a building) to which a real estate comprehensive management financial service contract is concluded; Means for opening a financial account corresponding to the received real estate comprehensive management account opening request information; Means for depositing a lease deposit according to the lease into the real estate comprehensive management account when a new lease is concluded with a target tenant to be managed through the opened real estate comprehensive management account; And means for processing a subscription to an insurance product for payment of a lease deposit in response to the deposited lease deposit.

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