KR20090086490A - System for processing color of bank book register breaks down - Google Patents

Abstract

A color processing system of bankbook entry details is provided to enable a client to grasp the flow breakdown of desired funds at a glance by colorizing the bankbook entry details. A ledger connectively stores one or more financial transaction item information, transaction target information of each financial transaction item and each item color information corresponding to different colors which will be printed in different color from a basic color, among bankbook information and entry details to be printed on a bankbook. After confirming each item color information corresponding to the financial transaction items and transaction target, a server(100) generates information about bankbook entry details including the confirmed item color information.

Description

System for Processing Color of Bank Book Register Breaks Down}

1 is a view showing a bank account issuing system for providing a color (or braille) processing service of the bank book details according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating the structure of ledger information for providing a color (or braille) processing service of a bank account book according to an embodiment of the present invention.

3 is a view showing a bank account issuing process for providing a color (or braille) processing service of the bank book details according to an embodiment of the present invention.

4 is a view showing a bank account issuing system for providing a color (or braille) processing service of the bank book entries according to another embodiment of the present invention.

FIG. 5 is a diagram illustrating the structure of ledger information for providing a color (or braille) processing service of a bank account book according to an embodiment of the present invention.

* Figure 6 is a view showing a bank account issuing process for providing a color (or braille) processing service of the bank book entries according to another embodiment of the present invention.

7 is a diagram illustrating a face-to-face financial transaction system according to an embodiment of the present invention.

8A and 8B illustrate a process of processing a financial transaction in a face-to-face manner according to an embodiment of the present invention.

<Description of main parts of drawing>

100: bankbook issuance server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information storage unit 125: information generation unit

130: passbook issuer 135: passbook issuing terminal

The present invention is one or more financial transactions to be printed in a different color in addition to the basic color of the bankbook information and the booklet to be printed on the bank account-deposit, withdrawal, account deposits, raw material purchase funds, expenses processing, corporate card payment, salary, insurance -When printing the bookkeeping history in the ledger and the account book to associate and store the item information, the transaction target-transaction target account number or name-specific information for each financial transaction item, and the color information for each item corresponding to different colors; After confirming the financial transaction items and transaction target information corresponding to the bookkeeping history to be booked in the bankbook in association with the ledger, and confirming the color information for each item corresponding to the financial transaction items and the transaction target, the color information for each identified item Colors of the bank account book history having a server for generating bank account book information including a transmission to the terminal for printing on the bank account; It relates to the Lee system.

The conventional method for inquiring the financial transaction details includes a method of checking the account book details or searching the financial transaction details through an internet banking system provided by each financial company.

However, in the financial transaction history inquiry method as described above, it is inconvenient to check each financial transaction item and transaction account in order to confirm the financial transaction history that the customer wants to check among numerous financial transaction details. Conventional financial transaction history query method includes a difficult problem to intuitively check the financial transaction history that the customer wants to confirm.

An object of the present invention for solving the above problems, one or more financial transactions to be printed in different colors in addition to the basic color of the bankbook information and the details printed on the bankbook-deposits, withdrawals, accounts receipts, raw material purchase funds, expense processing , Corporate card payment, salary, insurance money-item information, and the transaction-account number or name-information for each financial transaction item, and the ledger for storing the color information for each item corresponding to different colors; Checking the financial transaction items and transaction target information corresponding to the bank account history to be booked in the bankbook in connection with the ledger, and confirming the color information for each item corresponding to the financial transaction items and transaction targets Then, the book to generate the account book history information including the color information for each item identified and sent to the terminal to print on the account book It has a color processing system of the bank account details including a badge to provide.

Color processing system of the account book book according to the present invention, one or more financial transactions to be printed in different colors in addition to the basic color of the account book information and the book book to be printed on the bank account-deposit, withdrawal, account storage, raw material purchase funds, expenses Processing, corporate credit card payment, salary, insurance money-item information, and the transaction-account number or name-information for each financial transaction item, and the ledger for storing the color information for each item corresponding to different colors And checking the financial transaction items and transaction target information corresponding to the bank account history to be booked in the bankbook in connection with the ledger, and printing the color information for each item corresponding to the financial transaction item and the transaction target. After confirming, the bank account book information including the color information of the identified item is generated and transmitted to the terminal which prints on the bank account. Provided by the server is characterized in that formed.

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

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

1 is a view showing a bank account issuing system for providing a color (or braille) processing service of the bank book entries according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through the predetermined passbook issuance interface when the passbook issuance application information for providing the color (or braille) processing service of the passbook entry details according to the present invention, the passbook As a system configuration for issuing a predetermined bankbook to the customer based on the provided bankbook issuance application information in the issuing system, those skilled in the art to which the present invention pertains may refer to or modify the present invention. Various implementation methods for the configuration of the bankbook issuance system for providing a color (or braille) processing service of the bankbook details may be inferred, but the present invention includes all the implementation methods inferred above, and is illustrated in FIG. It is not limited to the method alone.

Hereinafter, at least one means or function configuration for issuing a predetermined bankbook to the customer based on the bankbook issuing application information provided from the customer through a predetermined bankbook issuing interface on the bankbook issuing system shown in FIG. The component is referred to as a "book issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a bank account issuing system for providing a color (or braille) processing service of a bank book history according to the present invention may be used by a teller terminal provided by at least one financial institution. Characterized in that it comprises a, the window terminal is connected to the communication channel and the bankbook issuing server 100 provided on the bankbook issuing system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution to provide a color (or braille) processing service of the account book details according to the present invention and through the window (or counter staff) provided in the financial institution. Through the application form (eg, at least one information item for providing a color (or braille) processing service of the account book details) The documents provided (or the counter staff visits the customer and asks the customer to fill out a predetermined bankbook issuance application form for providing the color (or braille) processing service of the account book details). When the bank account issuance application is submitted to the counter clerk, the counter clerk can apply to the bank account issuance application through a predetermined counter terminal. It is preferable to input (or select) the written information, and the teller terminal transmits the input (or selected) information to the bankbook issuing server 100 provided on the bankbook issuing system through the financial network.

Here, the teller terminal preferably comprises a teller terminal used by the teller staff provided in the financial institution, the bankbook issuing server 100 connected to the teller terminal is ledger server provided on the predetermined financial system Preferably, the financial network connecting the teller terminal and the bankbook issuing server 100 includes a branch network connecting the communication channel between the teller terminal and the bankbook issuing server 100. .

In the bankbook issuing system as described above, the bankbook issuance application prepared by the customer, the teller terminal used by the teller staff and the financial network connecting the teller terminal and the bankbook issuing server 100 is the customer in the present invention; It performs the function of the bankbook issuing interface for registering the bankbook issuing application information in order to provide color (or braille) processing service of the bankbook.

The financial institution issuing the bank account to the customer is characterized in that it has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. do.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Providing face-to-face financial transaction services to at least one financial transaction customer.

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

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

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one 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. 1, 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 (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B on a financial system storing at least one ledger, wherein the ledger D / B on the financial system includes at least one financial transaction to be provided to the financial transaction customer by the financial institution. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) Is stored in association with and stored as a relation.

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

The bankbook issuing server 100 provided on the bankbook issuing system according to the present invention is a generic term for the bankbook issuing system side components connected to the bankbook issuing terminal 135 and a predetermined financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the bankbook issuing server 100 is provided with an interface unit 105 (or interface means) for providing a predetermined bankbook issuing interface to the bankbook issuing terminal 135 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the bankbook issuing terminal 135 is a window terminal connected to a predetermined financial network, the interface unit 105 may be connected to the window 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 information (or data) using a communication protocol defined in a bankbook issuing application program provided in the window terminal.

Referring to FIG. 1, the bankbook issuing server 100 is interlocked with the interface unit 105 when a predetermined bankbook issuing terminal 135 is connected to the bankbook issuing server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transferring predetermined bankbook issuing application information from the bankbook issuing terminal 135 and providing it to the bankbook issuing terminal 135 ( 110 (or an interface providing means) and information for receiving predetermined bankbook issuance application information transmitted from the bankbook issuing terminal 135 through input (or selection) through the user interface in conjunction with the interface unit 105. An information generating unit 125 for generating predetermined bankbook information corresponding to a bankbook to be issued to the customer based on the receiving unit 115 (or information receiving unit) and the received bankbook issuing application information; Or information generating means), a bankbook issuing unit 130 (or a bankbook issuing means) for issuing a predetermined bankbook including the bankbook information through a predetermined bankbook issuing device, and a bankbook corresponding to the bankbook issued to the customer. And an information storage unit 120 (or information storage means) for storing the ledger information in the ledger D / B on the financial system.

The interface providing unit 110 corresponds to a functional configuration provided in the bankbook issuing terminal 135 when a predetermined bankbook issuing terminal 135 is connected to the bankbook issuing server 100 through the interface unit 105. Input (or select) the bankbook issuing application information to generate a predetermined user interface that can be transmitted to the bankbook issuing server 100 through the financial network, or extract from a predetermined database (not shown); It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 105 to the bankbook issuance terminal 135 through the financial network.

Thereafter, the bankbook issuing terminal 135 inputs (or selects) the bankbook issuing application information based on the user interface, and sends the bankbook issuing application information to the bankbook issuing server through the financial network. Send to 100.

According to an embodiment of the present invention, when the bankbook issuing terminal 135 is a teller terminal connected to a predetermined financial network, the interface provider 110 may provide a bankbook issuing application program provided at the teller terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 inputs (or selects) predetermined bankbook issuance application information through the user interface in the bankbook issuing terminal 135 and transmits the same through the financial network. Characterized in that the bank account issuing application information is received, and provides the received bank account issuing information to the information generating unit 125.

According to the implementation method of the present invention, the bankbook issuing application information is agreed to provide customer information to receive the bankbook, financial account information to be associated with the bankbook, and the color (or braille) service of the bankbook details. Booklet history color (or Braille) printing agreement information, including; financial transaction item information including the item supporting the color (or braille) in the account booklet history, and an item including information on the transaction target for each item It is preferable to include at least one item-specific color information, including the item information for each transaction, and the color information to be used in the passbook.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the bank account issuing system corresponding to the customer by at least one or more; It is preferable.

The financial account information is information on a financial account to be associated with the bank account, preferably including at least one or more account numbers and bank account numbers.

The book information color (or braille) print consent information is information confirming the agreement of providing a color (or braille) processing service of the book book history to the bankbook, and agrees to print the color (or braille) for the bookbook. It is preferable to include at least one or more information about, and information for applying for color (or braille) printing on the bank passbook.

The financial transaction item information is information on an item that provides a bankbook service in color (or braille) to the bank account, including deposit, withdrawal, account deposit, raw material purchase fund, expense processing, corporate card payment, salary, and insurance money. It is preferable to include at least one or more, it is possible to add or delete the item according to the intention of those skilled in the art, it is preferable to further include a separate item at the request of the customer.

The transaction target information for each item is information for recognizing the transaction target for the item, the account number of the transaction target (for example, if the salary, the account number of a predetermined company to deposit a salary) and the name of the transaction target (for example, insurance money) And at least one of a predetermined insurance company name for withdrawing the insurance money.

The item-specific color information is information on a color to be provided according to an item to be booked in the bankbook, and the bankbook selection color information requested by the customer (for example, the deposit is blue, the withdrawal is red, the insurance is yellow, The salary is preferably at least one including green, the rest of the items that are not selected, etc. are all printed in black), and it is preferable to further include a separate color at the request of the customer. If the customer who has agreed to print the account book history color (or Braille) of the bankbook does not select the item-specific color information, the color basically provided to the item in the bankbook issuing server 100 (for example, the customer selects a color). If not selected, the deposit is blue, the withdrawal is provided in red and the like in the passbook issuing server 100, etc.) It is desirable to include the phase information.

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the customer name in the financial system If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

According to the embodiment of the present invention, the information receiving unit 115 preferably further includes a function of checking the validity of the received bankbook issuance application information.

Here, the account issuance validity check is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

If the financial account to be linked with the bank account is not provided in the ledger D / B on the financial system, the bank account issuing server 100 may further perform a procedure for opening a new financial account to be linked with the bank account. Thereby, this invention is not limited.

The information generating unit 125 generates predetermined bankbook information to be provided in the bankbook to the customer based on the bankbook issuing application information received through the information receiving unit 115, wherein the bankbook information Is the bankbook basic information, including the customer name, social security number (or corporate registration number, if the customer is a company / corporate), deposit type, new date, issue date and bankbook number, at least one transaction date, content, withdrawal amount, deposit amount, Bankbook entry information, including balance and transaction name, book entry color (or braille) print consent information, including agreement to provide color (or braille) service of the passbook entry details, and color in the passbook entry details. Financial transaction item information including items supporting (or Braille), item-specific transaction object information including information on the item-specific transaction object, and the term Preferably formed by a per item color information including the color information to be used when the passbook badge comprises at least one of the.

When the predetermined bankbook information provided in the bankbook is generated by the information generating unit 125, the bankbook issuing unit 130 produces a bankbook including the bankbook information through a predetermined bankbook issuing device (or the bankbook). The bankbook information), and the bankbook is provided (or shipped) to the customer.

If the bankbook is a paper bankbook, the bankbook issuing device comprises a device for printing the bankbook information on at least one form provided in the bankbook, wherein the information generating unit 125 is at least one paper The bankbook information is generated by a data structure printable on the bankbook form, and the bankbook issuing unit 130 issues the predetermined bankbook by printing the bankbook information on at least one form through the bankbook issuing device.

The bankbook produced as described above is provided to the customer or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer uses the bankbook through the bankbook issuing system according to the present invention.

Thereafter, the information storage unit 120 is associated with the bank account on the ledger D / B on the financial system based on the bank account issuance application information and the bank account information received from the customer through the information receiving unit 115 And storing the bank account ledger information in the form of additional information of an account ledger (or receiving ledger) corresponding to an account.

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

2 is a view showing the structure of the ledger information for providing a color (or braille) processing service of the account book details according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates a structure of ledger information stored in the ledger D / B 200 on the financial system for providing a color (or braille) processing service of the account book details in the account book issuing system shown in FIG. For those of ordinary skill in the art to which the present invention pertains, various embodiments of the method for constructing ledger information for providing color (or braille) processing services of a bank book history by referring to or modifying the drawing 2 are inferred. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 2, the ledger information stored in the ledger D / B 200 on the financial system includes a predetermined customer ledger, at least one account ledger, and bank account information processed in association with each account ledger. Although described, those of ordinary skill in the art to which the present invention pertains, with reference to or modifying the drawing 2, other types of ledgers (for example, loan ledger, mortgage ledger, ... Etc.) and its additional information are obviously included in the ledger information, and thus the present invention is not limited thereto.

In this drawing 2 according to the embodiment of the present invention, the customer ledger is a ledger that matches the customer information included in the bankbook issuance application information, and includes a customer information file (CIF) number, a country code, a contact ID, a store number, and a customer classification. , Customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mail Place, account number, president, type of business, legal representative, first trade 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, the account ledger is linked to the customer ledger in a relational manner, and account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, Bank account balance, bank account number, unpaid interest, time extension, time extension amount, ARS setting, last deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat currency consolidation, final payment interest, It includes account ledger information including at least one final payment transaction number, an individual interest rate reference, and a final interest calculation date, and includes an account number, abstention (month), period (days), and period extension corresponding to the account ledger. Periodic receipt information including at least one due date and a target amount, or a trust number including at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger; New information or account number, transaction number, date, store number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of payment, bank account line, summary Transaction information including at least one of CIF, and the like.

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 Figure 2, the account information is characterized in that it is included in the ledger information in the form of additional information associated with the account ledger, the account information is customer name, social security number (or if the customer is a company / corporation, corporation Registration number, etc.), deposit type, new date, issue date and bankbook number, bankbook entry information including at least one transaction date and time, contents, withdrawal amount, deposit amount, balance and store name, and Financial transaction item information including color (or braille) print consent information, including consent to provide a color (or braille) service, and an item supporting color (or braille) in the account book information; , Item-specific transaction target information including information on the item-specific transaction targets, and color information to be used in the bankbook for the item. It comprises a mokbyeol color information for at least one are preferred.

3 is a view showing a bank account issuing process for providing a color (or braille) processing service of the bank book details according to an embodiment of the present invention.

In more detail, in Figure 3, a predetermined customer in the bankbook issuing system shown in Figure 1, a predetermined bankbook issuing account through the predetermined bankbook issuance interface (for example, the bankbook issuance application and the window terminal and the financial network) When the predetermined bankbook issuance application information is transmitted to the issuing server 100, the bankbook issuing server 100 is a process for issuing a predetermined bankbook based on the bankbook issuing application information. Those skilled in the art will be able to infer various implementation methods for issuing the bankbook for providing the color (or braille) processing service of the bank book history by referring to or modifying the drawing 3, but the present invention is inferred from the above. It includes all the implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the bankbook is prepared and provided (or shipped) to the customer, and then stored as the bank book D / B 200 on the financial system to store predetermined bank account information. According to the intention, the process of storing predetermined bankbook ledger information in the ledger D / B 200 on the financial system is performed before the bankbook is produced or before the bankbook is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 3, the bankbook issuing terminal 135 shown in FIG. 1 is referred to as a "terminal" for convenience, and the bankbook issuing server 100 is referred to as a "server" for convenience.

Referring to FIG. 3, the customer who wants to issue the bankbook for providing the color (or braille) processing service of the bankbook history is issued a predetermined bankbook including predetermined bankbook issuance application information through a predetermined bankbook issuing interface. After filling out an application, the bank account issuing application information is provided to the server through a predetermined bank account issuing interface (300).

Here, the passbook issuing interface preferably comprises a passbook issuance application prepared by the customer, a window terminal used by the staff of the financial institution, and a financial network connecting the window terminal and the server.

According to the method of the present invention, the bank account issuing application information is preferably made of at least one or more customer information receiving the bank account and financial account information to be associated with the bank account.

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already opened in the ledger D / B (200) on the financial system, the financial system In the case that the account is not opened in the customer's name, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer's name.

On the other hand, when predetermined bankbook issuance application information is received through the bankbook issuing interface, the server reads the received bankbook issuing application information and checks the validity of whether the bankbook can be issued to the customer (305).

Here, the account issuance validity check is to confirm whether the customer information included in the account issuing application information is a valid customer, and the financial account information included in the bank account issuing application information ledger D / B (200) on the financial system It is preferable to include at least one or more to check whether there is already provided.

According to the method of the present invention, when the ledger D / B 200 on the financial system does not have a financial account to be linked with the bank account, the server further performs a procedure for opening a new financial account to be linked with the bank account. In this regard, the present invention is not limited thereto.

If the validity for issuing the bankbook to the customer is not authenticated through the bankbook issuing application information (310), the server provides the bankbook issuing error information to the customer through the bankbook issuing interface (315), Stop issuing the account to the customer.

When the validity to issue the bankbook to the customer is authenticated through the bankbook issuing application information (310), the server generates predetermined bankbook information corresponding to the bankbook to be issued to the customer based on the bankbook issuing information. (320).

Here, the bankbook information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bankbook number, at least one transaction date and time, contents Book entry information, including the withdrawal amount, deposit amount, balance and transaction name, and the book entry color (or braille) print consent information including the agreement to provide the color (or braille) service of the passbook entry details; Financial transaction item information including an item that supports color (or braille) in the bankbook details, item-specific transaction object information including information on the transaction object of each item, and color information to be used in the account booklet. It is preferable to include at least one item-specific color information including a.

According to the method of the present invention, if the bankbook is a paper bankbook, the generated bankbook information preferably includes a data structure printable on the paperbook template.

Thereafter, the server generates a predetermined bankbook having the bankbook information through a predetermined bankbook issuing device and provides (or delivers) the bankbook to the customer (325).

According to the method of the present invention, if the passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the passbook information on the form provided in the passbook.

Thereafter, the server generates predetermined bank account ledger information through the bank account issuance application information and the generated bank account information provided from the customer through the bank account issuing interface (330), and the bank account ledger information is sent to the ledger on the financial system. The data is stored in the D / B 200 (335).

Here, the bank account ledger information is at least one of the bank account information to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B (200) on the financial system It is preferable to include information items.

According to an embodiment of the present invention, the ledger D / B 200 on the financial system is preferably provided in a DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system). .

Figure 4 is a view showing a bank account issuing system for providing a color (or braille) processing service of the bank book entries according to another embodiment of the present invention.

In more detail, Figure 4 shows that when a predetermined customer provides bankbook issuance application information for providing a color (or braille) processing service of the bank bookbook details according to the present invention to a bankbook issuance system through a predetermined bankbook issuance interface, As a system configuration for issuing a predetermined bankbook to the customer based on the provided bankbook issuance application information in the issuing system, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing. Various implementation methods for the configuration of the bankbook issuance system for providing a color (or braille) processing service of the bankbook history may be inferred, but the present invention includes all the implementation methods inferred above, and is illustrated in FIG. It is not limited to the method alone.

Hereinafter, at least one means or function configuration for issuing a predetermined bankbook to the customer based on the bankbook issuing application information provided from the customer through a predetermined bankbook issuing interface on the bankbook issuing system shown in FIG. The component is referred to as "book issuing server 400" for convenience.

Referring to this figure 4 according to the embodiment of the present invention, the bank account issuing system for providing a color (or braille) processing service of the bank account book details according to the present invention, the bank account issuing system is a non-face-to-face bank account issuing application In the case of support, a predetermined customer passbook issuing application information (or selected) comprises a passbook issuing terminal 435 for transmitting to the passbook issuing server 400, characterized in that the passbook issuing terminal 435 is a communication channel is connected to the bankbook issuing server 400 provided on the bankbook issuing system through a predetermined network means.

According to an embodiment of the present invention, when the virtual account opening system supports a non-face-to-face virtual account opening, the bankbook issuing terminal 435 includes a client terminal including at least one wired terminal or a wireless terminal. It is characterized in that, the client terminal is connected to the communication channel and the bankbook issuing server 400 provided on the bankbook issuing system through a predetermined network means.

According to an embodiment of the present invention, when the bankbook issuing system supports a non-facebook bankbook issuing application, the customer is at least one of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network. Access to the bankbook issuance server 400 through a client terminal, and through the at least one user interface provided by the bankbook issuance server 400 for providing a color (or braille) processing service of the bankbook details according to the present invention; When inputting (or selecting) the bank account issuing information, it is preferable that the client terminal transmits the bank account issuing server 400 provided on the bank account issuing system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or No connection to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the client terminal outputs at least one or more user interfaces provided by the bankbook issuing server 400, and inputs or selects at least one or more information through the user interface to transmit to the bankbook issuing server 400. 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 bankbook issuing server 400, etc.) is provided.

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

In the account book issuing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired network or wireless network connecting the client terminal and the bankbook issuance server 400. The customer performs the function of the bankbook issuing interface for registering the bankbook issuing application information for providing the color (or braille) processing service of the bank book entries according to the present invention.

According to another exemplary embodiment of the present invention, when the bankbook issuing system supports a non-facebook bankbook issuing application, the bankbook issuing terminal 435, in addition to the client terminal, a predetermined financial network (eg, a financial common network). Or an automatic teller machine (not shown) including an automatic teller machine (ATM), a cash dispenser (CD), or a public switched telephone network. A predetermined call terminal (not shown) connected to a wired telephone network such as a PSTN) or a VoIP (Voice over IP) network, or a predetermined call terminal connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network ( (Not shown) or may further include a terminal (or server) (not shown) provided in at least one or more institutions affiliated with the financial institution. The present invention is not limited thereby.

In the case of supporting a non-facebook account issuance application as described above, when the bankbook issuing terminal 435 is the financial automated device (not shown), the financial automated device (not shown) and the financial automated device ( (Not shown) and the financial network connecting the bankbook issuing server 400 of the bankbook issuing interface for registering the bankbook issuing application information for the customer to provide a color (or braille) processing service of the bankbook history according to the present invention; Performing the function, or connecting the call terminal (not shown) and the call terminal (not shown) and the passbook issuing server 400 when the passbook issuing terminal 435 is the call terminal (not shown). The wired telephone network or the wireless telephone network is an account book issuing interface for the customer to register the bank account issuing application information to provide a color (or braille) processing service of the bank account book details according to the present invention. The terminal (or server) (not shown) and the terminal (or server) (not shown) that perform a function of a face or are provided in an institution affiliated with the financial institution that is the bankbook issuing terminal 435. The network connecting the terminal (or server) (not shown) and the bankbook issuing server 400 registers the bankbook issuing application information for the customer to provide a color (or braille) processing service of the bank bookbook according to the present invention. It functions as an account issuing interface.

The financial institution issuing the bank account to the customer is characterized in that it has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. do.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Providing face-to-face financial transaction services to at least one financial transaction customer.

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

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

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one 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. 4, 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 (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for performing each function in the components of the financial system, and stores and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. At least one ledger information (e.g., a customer ledger, a reception ledger, a collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) It is characterized by being stored in association with the relationship (Relationship).

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

The bankbook issuing server 400 provided on the bankbook issuing system according to the present invention is a generic name of the bankbook issuing system side components connected to the bankbook issuing terminal 435 through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the bankbook issuing server 400 is provided with an interface unit 405 (or interface means) for providing a predetermined bankbook issuing interface to the bankbook issuing terminal 435 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 405 may be configured as the wired network or the like. Communication for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wireless network and using a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide an interface.

For example, when the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a predetermined bankbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the TCP / IP protocol. In addition, the present invention 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 bankbook issuing terminal 435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 405 implements a protocol stack defined in the wireless 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) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a bankbook issuance application program provided by the bankbook issuing server 400, the interface unit 405 connects a communication channel with the client terminal based on the CDMA protocol, the communication Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the program.

Referring to FIG. 4, the bankbook issuing server 400 is interlocked with the interface unit 405 when a predetermined bankbook issuing terminal 435 is connected to the bankbook issuing server 400 through the interface unit 405. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined bankbook issuing application information from the bankbook issuing terminal 435 and transmitting it to the bankbook issuing terminal 435. 410 (or an interface providing means) and information for receiving predetermined bankbook issuance request information transmitted from the bankbook issuing terminal 435 through the user interface in connection with the interface unit 405. An information generating unit 425 for generating predetermined bankbook information corresponding to a bankbook to be issued to the customer based on the receiving unit 415 (or information receiving means) and the received bankbook issuing application information ( Or information generating means), a bankbook issuing unit 430 (or a bankbook issuing means) for issuing a predetermined bankbook including the bankbook information through a predetermined bankbook issuing device, and a bankbook corresponding to the bankbook issued to the customer. And an information storage unit 420 (or information storage means) that stores the ledger information in the ledger D / B on the financial system.

The interface providing unit 410 corresponds to a functional configuration provided in the bankbook issuing terminal 435 when a predetermined bankbook issuing terminal 435 is connected to the bankbook issuing server 400 through the interface unit 405. Input (or select) the bank account issuing application information to generate a predetermined user interface which can be transmitted to the bank account issuing server 400 through the network means, or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 405 to the bankbook issuing terminal 435 through the network means.

Thereafter, the bankbook issuing terminal 435 inputs (or selects) the bankbook issuing application information based on the user interface and sends the bankbook issuing application information to the bankbook issuing server through the network means. Send to 400.

According to an embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 410 is the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program provided in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 405. Do.

According to another embodiment of the present invention, when the bankbook issuing terminal 435 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 410 is a browser program provided in the client terminal. 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 405.

* When the information receiving unit 415 inputs (or selects) predetermined bankbook issuance application information through the user interface in the bankbook issuing terminal 435 and transmits the same through the network means, the interface unit 405 interworks with the interface unit 405. And receiving the bankbook issuing application information, and provides the received bankbook issuing application information to the information generating unit 425.

According to the implementation method of the present invention, the bankbook issuing application information is agreed to provide customer information to receive the bankbook, financial account information to be associated with the bankbook, and the color (or braille) service of the bankbook details. Booklet history color (or Braille) printing agreement information, including; financial transaction item information including the item supporting the color (or braille) in the account booklet history, and an item including information on the transaction target for each item It is preferable to include at least one item-specific color information, including the item information for each transaction, and the color information to be used in the passbook.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the bank account issuing system corresponding to the customer by at least one or more; It is preferable.

The financial account information is information on a financial account to be associated with the bank account, preferably including at least one or more account numbers and bank account numbers.

The book information color (or braille) print consent information is information confirming the agreement of providing a color (or braille) processing service of the book book contents to the account book, and agreeing to print the color (or braille) for the book book book. It is preferable to include at least one or more information on the terms and conditions and information for applying for color (or Braille) printing on the bankbook.

The financial transaction item information is information on an item that provides a bankbook service in color (or braille) to the bank account, including deposit, withdrawal, account deposit, raw material purchase fund, expense processing, corporate card payment, salary and insurance money. It is preferable to include at least one, etc., it is possible to add or delete the item according to the intention of those skilled in the art, it is preferable to further include a separate item at the request of the customer.

The transaction target information for each item is information for recognizing the transaction target for the item, the account number of the transaction target (for example, if the salary, the account number of a predetermined company to deposit a salary) and the name of the transaction target (for example, insurance money) And at least one of a predetermined insurance company name for withdrawing the insurance money.

The item-specific color information is information on a color to be provided according to an item to be booked in the bankbook, and the bankbook selection color information requested by the customer (for example, the deposit is blue, the withdrawal is red, the insurance is yellow, The salary is preferably at least one including green, the rest of the items that are not selected, etc. are all printed in black), and it is preferable to further include a separate color at the request of the customer. If the customer who has agreed to print the account book history color (or Braille) of the bankbook does not select the color information for each item, the color that is basically provided to the item in the bankbook issuing server 400 (for example, the customer selects a color). If not selected, the deposit is made in the bank issuance server 400, the withdrawal is printed and provided in red, etc.) by item From being made, including in-phase information are preferred.

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the financial system in the customer name If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

According to the embodiment of the present invention, the information receiving unit 415 preferably further includes a function of checking the validity of the received bankbook issuance application information.

Here, the account issuance validity check is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

If the financial account to be linked to the bank account is not provided in the ledger D / B on the financial system, the bank account issuing server 400 may further perform a procedure for opening a new financial account to be linked to the bank account. Thereby, this invention is not limited.

The information generation unit 425 generates predetermined bankbook information to be provided in the bankbook to the customer based on the bankbook issuance application information received through the information receiving unit 415, and the bankbook information is Basic bankbook information including customer name, social security number (or corporate registration number if customer is a company / corporate), deposit type, new date, issue date and bank account number, and at least one transaction date, content, withdrawal amount, deposit amount, balance And bookkeeping entry information including the name of a trading store, bookkeeping history color (or braille) print consent information including consent to provide a color (or braille) service of the bookkeeping history, and a color ( Or financial transaction item information including an item supporting Braille), item-specific transaction object information including information on the item-specific transaction object, and the term Preferably formed by a per item color information including the color information to be used when the passbook badge comprises at least one of the.

When the predetermined bankbook information provided in the bankbook is generated by the information generating unit 425, the bankbook issuing unit 430 produces a bankbook including the bankbook information through a predetermined bankbook issuing device (or the bankbook). The bankbook information), and the bankbook is provided (or shipped) to the customer.

If the bankbook is a paper bankbook, the bankbook issuing device includes a device for printing the bankbook information on at least one form provided in the bankbook, wherein the information generating unit 425 is at least one paper The bankbook issuance information is generated by a data structure printable on the bankbook form, and the bankbook issuing unit 430 issues the predetermined bankbook by printing the bankbook information on at least one form through the bankbook issuing device.

The bankbook produced as described above is provided to the customer or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer uses the bankbook through the bankbook issuing system according to the present invention.

Thereafter, the information storage unit 420 is connected to the bank account on the ledger D / B on the financial system based on the bank account issuance application information and the bank account information received from the customer through the information receiving unit 415 And storing the bank account ledger information in the form of additional information of an account ledger (or receiving ledger) corresponding to an account.

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

FIG. 5 is a diagram illustrating the structure of ledger information for providing a color (or braille) processing service of a bank account book according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates the structure of ledger information stored in the ledger D / B 500 on the financial system to provide a color (or braille) processing service of the account book details in the book issuing system shown in FIG. For those of ordinary skill in the art to which the present invention pertains, various embodiments of the ledger information for inferring the color (or braille) processing service of the account book details are inferred by referring to or modifying the drawing. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, the ledger information stored in the ledger D / B 500 on the financial system includes a predetermined customer ledger, at least one account ledger, and bank account information processed in association with each account ledger. Although it will be described, those skilled in the art to which the present invention belongs, by referring to or modifying the Figure 5, other types of ledgers (for example, loan ledger, mortgage ledger, ... Etc.) and its additional information are obviously included in the ledger information, and the present invention is not limited thereby.

In this figure 5 according to the embodiment of the present invention, the customer ledger is a ledger that matches the customer information included in the bankbook issuance application information, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, and a customer classification. , Customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, postal address , Account number, president, type of business, 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 5, the ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, account balance, bank account number, unpaid interest, time extension, time extension amount, ARS establishment, last deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency consolidation, final payment interest, It includes account ledger information including at least one final payment transaction number, an individual interest rate reference, and a final interest calculation date, and includes an account number, abstention (month), period (days), and period extension corresponding to the account ledger. Periodic receipt information including at least one due date and a target amount, or a trust including at least one of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger; New information or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, Transaction details including at least one of CIF and the like.

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. 5, the bankbook information may be included in the ledger information in the form of additional information associated with the account ledger, and the bankbook information may include a customer name, a resident registration number (or a customer / corporate corporation). Bank account basic information, including the company registration number, etc.), the type of deposit, new date, issue date and bank account number, and bank account entry information including at least one transaction date and time, contents, withdrawal amount, balance amount, and store name; A financial transaction that includes information on the printing of bookkeeping history color (or braille), including consent to provide a color (or braille) service of the bookkeeping history, and an item that supports color (or braille) of the bookkeeping history. Item information, item-specific transaction target information including information on the item-specific transaction targets, and color information to be used at the time of the bankbook for the item. It comprises a mokbyeol color information for at least one are preferred.

FIG. 6 is a diagram illustrating a bank account issuing process for providing a color (or braille) processing service of bank account details according to another exemplary embodiment of the present invention.

In more detail, in FIG. 6, in the bank account issuing system shown in FIG. 4, a predetermined customer passes through a predetermined bank account issuing interface (for example, a client terminal and network means including at least one wired terminal or a wireless terminal). When the predetermined bankbook issuance application information is transmitted to the bankbook issuing server 400 to the bankbook issuing server 400, the bankbook issuing server 400 issuing a predetermined bankbook based on the bankbook issuing application information. As those skilled in the art to which the present invention pertains, various embodiments of the present invention may be inferred by referring to or modifying the drawing 6 to provide a color (or braille) processing service of the account book details. As will be appreciated, the invention encompasses all of the inferred practice methods, and is not limited to the practice method illustrated in FIG. The.

For example, FIG. 6 illustrates that the bankbook is stored and provided (or shipped) to the customer, and the predetermined bankbook information is stored in the ledger D / B 500 on the financial system. According to the intention, the process of storing predetermined bankbook ledger information in the ledger D / B 500 on the financial system is performed before the bankbook is produced or before the bankbook is produced (or delivered) to the customer. The present invention is not limited thereto.

Hereinafter, in FIG. 6, the bankbook issuing terminal 435 shown in FIG. 4 is called "terminal" for convenience, and the bankbook issuing server 400 is called "server" for convenience.

Referring to FIG. 6, a customer who wants to be issued the bankbook to provide a color (or braille) processing service of the bankbook details is connected to the server through the network means using the terminal and the bankbook to the server. Request a bankbook issuance interface for issuing (600), and correspondingly, the server extracts (or generates) a bankbook issuing interface for issuing the bankbook is provided to the terminal (605).

Thereafter, the terminal inputs (or selects) predetermined bankbook issuance application information through the bankbook issuing interface and then provides the bankbook issuing application information to the server through a predetermined bankbook issuing interface (610).

Here, the bankbook issuing interface is a user terminal for inputting predetermined bankbook issuing application information from the terminal and the predetermined terminal used by the customer, the network means for connecting the terminal and the server and the server from the terminal; It is preferable to comprise a.

According to the method of the present invention, the bank account issuing application information is preferably made of at least one or more customer information receiving the bank account and financial account information to be associated with the bank account.

Here, the financial account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already opened in the ledger D / B (500) on the financial system, the financial system If the account in the customer's name is not opened, it is preferable to further include account opening request information for requesting the financial system to open a new account in the customer's name.

When predetermined bankbook issuance application information is received through the bankbook issuing interface, the server reads the received bankbook issuing application information to check whether the bankbook issuance can be issued to the customer (615).

Here, the account issuance validity check is to confirm whether the customer information included in the account issuing application information is a valid customer, and the financial account information included in the account issuing application information ledger D / B (500) on the financial system It is preferable to include at least one or more to check whether there is already provided.

According to the method of the present invention, when the ledger D / B 500 on the financial system does not have a financial account to be linked with the bank account, the server further performs a procedure for opening a new financial account to be linked with the bank account. In this regard, the present invention is not limited thereto.

If the validity to issue the bankbook to the customer is not authenticated through the bankbook issuing application information (620), the server provides the bankbook issuing error information to the customer through the bankbook issuing interface (625), Stop issuing the account to the customer.

On the other hand, if the validity for issuing the bankbook to the customer is authenticated through the bankbook issuing application information (620), the server receives predetermined bankbook information corresponding to the bankbook to be issued to the customer based on the bankbook issuing information. Generate (630).

Here, the bankbook information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bankbook number, at least one transaction date and time, contents Book entry information, including the withdrawal amount, deposit amount, balance and transaction name, and the book entry color (or braille) print consent information including the agreement to provide the color (or braille) service of the passbook entry details; Financial transaction item information including an item that supports color (or braille) in the bankbook details, item-specific transaction object information including information on the transaction object of each item, and color information to be used in the account booklet. It is preferable to include at least one item-specific color information including a.

According to the method of the present invention, if the bankbook is a paper bankbook, the generated bankbook information preferably includes a data structure printable on the paperbook template.

Thereafter, the server generates a predetermined bankbook having the bankbook information through a predetermined bankbook issuing device and provides (or delivers) the bankbook to the customer (635).

According to the method of the present invention, if the passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the passbook information on the form provided in the passbook.

Thereafter, the server generates predetermined bankbook ledger information through the bankbook issuance application information and the generated bankbook information provided from the customer through the bankbook issuing interface (640), and the bankbook ledger information is led by the ledger on the financial system. The data is stored in the D / B 500 (645).

Here, the account book ledger information is at least one of the account book information to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B (500) on the financial system It is preferable to include information items.

According to an embodiment of the present invention, the ledger D / B 500 on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

7 is a diagram illustrating a face-to-face financial transaction system according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates that when a predetermined customer provides financial transaction request information including at least one predetermined financial transaction information to a financial transaction system through a predetermined financial transaction interface, the financial transaction system provides the financial transaction request information. The present invention relates to a system for providing a financial transaction using the financial transaction information included in the request information and printing the financial transaction details in color (or Braille), and a person having ordinary knowledge in the technical field to which the present invention belongs. However, various implementation methods for the financial transaction system configuration may be inferred by referring to or modifying the present invention, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in the present invention. .

Hereinafter, at least one component or function corresponding to a functional configuration for providing a financial transaction using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. The financial transaction server 700, which is referred to as the "financial transaction server 700" and provides the face-to-face financial transaction service, is an account system on a financial system connected to at least one window terminal through a predetermined financial network. It is preferable to include, but this figure 7 is shown for the convenience of the financial transaction server 700 as a ledger server between the window terminal and the account for convenience, but the present invention is not limited thereto.

Referring to FIG. 7 according to an embodiment of the present invention, the financial transaction system is connected to a financial transaction terminal 745 and a financial transaction terminal 745 including a window terminal provided at at least one financial institution branch. A financial transaction server 700 that is connected to the financial transaction terminal 745 through a financial network (eg, a current network) and the financial network and processes a financial transaction, and an account book issuing system illustrated in FIGS. 1 and 4. And a bank account printing device 750 for printing the bank account book details in color (or braille) and a financial system in which the financial account linked to the bank account issued through the bank is opened.

According to an embodiment of the present invention, it is preferable that the financial transaction terminal 745 includes the bankbook printing apparatus 750, and the function of printing in the color (or Braille) of the bankbook printing apparatus 750 is provided separately. It is possible, but it is possible to mount the account book printing device 750 inside the account organizer provided in the financial transaction terminal 745 in general, so that the description of the account is omitted for convenience of the present invention.

The financial system that processes the at least one financial transaction service through the financial account associated with the bankbook issued through the bank account issuing system shown in FIGS. 1 and 4 in connection with the financial transaction server 700 is the financial institution. At least one window terminal provided at a branch (or branch) of the terminal and a predetermined financial network (for example, a branch network), and face to face at least one financial transaction customer through the window terminal. Provide financial transaction services.

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

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

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

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (eg, a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide 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 or GSM terminal or a smartphone) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a mobile communication network based on a code division multiple access (CDMA)) ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

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

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

Referring to FIG. 7, 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. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between a financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, etc.) Access to the financial system from telebanking, TV banking, etc.), or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. Characterized in that the processed and stored, the ledger information is also shown in Figures 1 and 4 And includes predetermined account ledger corresponding to the financial account associated with an account issued by the bank book issuing machine is characterized in that formed.

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 manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer visits the financial institution branch and fills in a predetermined application (eg, at least one or more information item) through a window (or through a teller) provided at the financial institution branch. A document provided with a form for the present invention) and submit the completed application to the teller, the teller enters (or selects) the financial transaction information written in the application through a designated teller terminal, and the teller terminal. Preferably, the financial transaction request information including at least one input (or selected) financial transaction information is transmitted to the financial transaction server 700 provided on the financial transaction system through the financial network.

Here, the financial transaction terminal 745 preferably comprises a terminal used by the teller staff provided in the branch of the financial institution, the financial transaction server 700 connected to the teller terminal on the predetermined financial system It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 700 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 700. It is preferable to make it.

In the financial transaction system as described above, an application written by the customer, a window terminal used by the window staff, and a financial network connecting the window terminal and the financial transaction server 700, the customer requests the financial transaction. It functions as a financial transaction interface for registering information.

The financial transaction request information transmitted from the financial transaction terminal 745 to the financial transaction server 700 may include at least one predetermined financial transaction information.

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name linked to the bankbook issued through the bank account issuing system shown in Figures 1 and 4 Customer information (eg, the name of the account holder, or the customer information file (CIF) number corresponding to the financial account), financial institution information (eg, bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, the name of the person in charge of opening and in charge of the financial account, the person in charge).

The transaction value information is characterized in that it comprises a financial transaction amount withdrawn from the financial account, the transaction value is characterized in that it does not exceed the balance deposited in the financial account.

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction, the password corresponding to the financial account, Or at least one password corresponding to the financial transaction.

The financial transaction server 700 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 745 through a predetermined financial network, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 745 is a window terminal connected to a predetermined financial network, the financial transaction server 700 may be connected to the financial terminal connected to the window terminal through a predetermined financial network. It may be a ledger server provided in, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial transaction server 700 includes an interface unit 705 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 745 through the financial network. Characterized in that made.

* When the financial transaction terminal 745 is a window terminal connected to a predetermined financial network according to an exemplary embodiment of the present invention, the interface unit 705 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 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 7, the financial transaction server 700 connects a predetermined financial transaction terminal 745 to the financial transaction server 700 through the interface unit 705, or connects the communication channel to the financial transaction server 700. When a financial transaction is requested through the interface unit 705, the financial transaction terminal 745 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined financial transaction request information from the financial transaction terminal 745. And an interface providing unit 710 (or an interface providing means) provided to the financial transaction terminal 745, and the predetermined terminal side including the user interface in the financial transaction terminal 745. When a banking program is provided, the interface providing unit 710 may be omitted.

The interface provider 710 connects a communication channel with the financial transaction server 700 through the interface unit 705 or requests a financial transaction through the communication channel. In response to the functional configuration provided in the financial transaction terminal 745, the user inputs (or selects) the financial transaction request information and generates a predetermined user interface that can be transmitted to the financial transaction server 700 through the financial network. Or extract from a predetermined database (not shown) and provide the generated (or extracted) user interface to the financial transaction terminal 745 through the financial network in conjunction with the interface unit 705. It is done.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 745 is a window terminal connected to a predetermined financial network, the interface providing unit 710 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 705.

According to another exemplary embodiment of the present invention, the financial transaction terminal 745 includes at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction server 700 through the financial network. When a predetermined terminal-side banking program is provided, the interface providing unit 710 for providing the user interface to the financial transaction terminal 745 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface includes an interface function for inputting (or selecting) financial transaction request information including at least one financial transaction information and transmitting the same to the financial transaction server 700. desirable.

Referring to FIG. 7, when the financial transaction server 700 inputs (or selects) and transmits financial transaction request information including at least one financial transaction information through the user interface from the financial transaction terminal 745, An information receiving unit 715 (or information receiving means) for receiving the financial transaction request information including at least one financial transaction information in association with the interface unit 705 and included in the received financial transaction request information; A validity confirming unit 725 (or validity confirming means) for confirming validity of the financial transaction information, and a financial transaction processing unit for processing a financial transaction based on the financial transaction request information verified in association with the financial system; 730 (or financial transaction processing means), bookkeeping history color (or braille) print consent information of the bank account associated with the financial transaction, and the terms of the bank account. In addition, the information confirmation unit 735 (or the information confirmation unit) for confirming the target transaction information and the color information for each item of the bankbook and the financial transaction processing unit 730 to generate a predetermined financial transaction history, The information generating unit 740 (or the information) further includes the color information of each item in the financial transaction processing based on the item information and the color information of each item identified by the information checking unit 735. Generating means) and a predetermined book book history information including the financial transaction processing history generated by the information generating unit 740, and linked with the interface unit 705 to convert the book book record information into the finance. It is characterized by comprising an information transmission unit 720 (or information transmission means) for transmitting to the transaction terminal 745.

The financial transaction terminal 745 inputs (or selects) financial transaction request information including at least one financial transaction information through the user interface, and transmits the financial transaction terminal 745 to the financial transaction server 700 through the financial network. It features.

The information receiving unit 715 inputs (or selects) financial transaction request information including at least one financial transaction information through the user interface from the financial transaction terminal 745 and transmits it through the financial network. And the financial transaction request information in connection with the unit 705, and provides the received financial transaction request information to the validity confirming unit 725.

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name linked to the bankbook issued through the bank account issuing system shown in Figures 1 and 4 Customer information (eg, the name of the account holder, or the customer information file (CIF) number corresponding to the financial account), financial institution information (eg, bank name, or bank code), branch information ( For example, it may further include at least one or more sales office code), contact information (for example, the name of the person in charge of opening and in charge of the financial account, the person in charge).

The transaction value information is characterized in that it comprises a financial transaction amount withdrawn from the financial account, the transaction value is characterized in that it does not exceed the balance deposited in the financial account.

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction, the password corresponding to the financial account, Or at least one password corresponding to the financial transaction.

The validity confirming unit 725 checks whether the financial transaction request information received from the financial transaction terminal 745 satisfies the validity.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the financial account is provided, and if the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is It is desirable to be authenticated.

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

In addition, the validity check of the financial transaction request information is provided on the account ledger provided in the general ledger D / B on the financial system in response to the various financial codes and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 730 is based on the financial transaction information included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the financial account. It is characterized by processing a financial transaction.

The information checking unit 735 confirms the book information color (or braille) print consent information of the bank account associated with the financial account in connection with the financial system, and if the book detail color (or braille) print agreement is confirmed, Checking the item-specific transaction target information of the passbook, and if the item-specific transaction target, characterized in that for confirming the item-specific color information of the passbook.

The information generation unit 740 is connected to the financial transaction processing unit 730 to generate a bank book book history, including any one of the financial transaction approval history or financial transaction error history for the financial transaction, the information confirmation unit ( In 735), if the bankbook confirms the printing of the book record color (or braille), and the record to be booked on the bank book is identified as the item to be dealt with, it is confirmed by the information checking unit 735 in the book book book. Characterized in the account book information further comprising the item-specific color information.

When the information generating unit 740 generates the account book details, the information transmitting unit 720 is linked with the interface unit 705 to provide the bank account book details information through the financial network to the financial transaction terminal 745. It is characterized in that for transmitting.

In this case, the bank account book history is characterized by including the financial account information and the transaction amount, characterized in that it further comprises an approval code (or error code) for the financial transaction.

The bank account book information is characterized in that it comprises a protocol structure for transmitting the generated bank book book details to the financial transaction terminal 745 through the financial network, the financial transaction received the bank account book information The terminal 745 outputs the bankbook book record included in the predetermined bank book book information and, if the bank book book record further includes the identified color information for each item, is provided in the financial transaction terminal 745. The bankbook printing device 750 outputs the account bookbook history including the color (or Braille).

8A and 8B illustrate a process of processing a financial transaction in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a case in which the financial transaction server 700 on the financial transaction system illustrated in FIG. 7 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. The bank terminal accesses the financial transaction server 700 to connect a communication channel for the financial transaction, and includes the financial transaction information to the financial transaction server 700 through the communication channel. When the transaction request information is transmitted, the financial transaction server 700 provides a financial transaction using the financial transaction information included in the received financial transaction request information and prints the financial transaction details in color (or Braille). As a method, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawings 8a and 8b to finance the process in the face-to-face manner. It would have to be inferred how the various embodiments of the process of treatment, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 8a and figure 8b.

In the following Figures 8a and 8b, the window terminal shown in Figure 7 is referred to as "terminal" for convenience, and the financial transaction server 700 shown in Figure 7 is referred to as "server" for convenience.

8A and 8B, the terminal illustrated in FIG. 7 connects a communication channel for at least one financial transaction with the server through the financial network, and includes at least one financial transaction information. A user interface for inputting (or selecting) request information is output (800).

Subsequently, when a predetermined application (eg, a slip having a form for filling in at least one information item) including at least one financial transaction information is prepared and submitted from the customer, the terminal receives the information through the user interface. Input (or select) financial transaction request information including at least one financial transaction information included in the application (805), and include at least one financial transaction information through a financial network connecting the terminal and a server; The financial transaction request information is transmitted to the server (815).

Here, the financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name linked to the bank account issued through the bank account issuing system shown in FIGS. 1 and 4. According to the intention of the person skilled in the art, the customer information (for example, the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the financial account), the financial institution information (for example, the bank name, or the bank code), the branch Information (eg, branch code), contact information (eg, the name of the person in charge of opening and in charge of opening the financial account, contact person code, etc.) may further include at least one.

The transaction value information is characterized in that it comprises a financial transaction amount withdrawn from the financial account, the transaction value is characterized in that it does not exceed the balance deposited in the financial account.

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction, the password corresponding to the financial account, Or at least one password corresponding to the financial transaction.

Thereafter, the server receives and reads financial transaction request information including at least one financial transaction information through the financial network to confirm validity of the financial transaction request information (820).

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the financial account is provided. When the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

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

In addition, the validity check of the financial transaction request information is provided on the account ledger provided in the general ledger D / B on the financial system in response to the various financial codes and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

If the validity of the financial transaction request information is not authenticated (825), the server generates a bank book record including predetermined financial transaction error information corresponding to the validity error information (830), and establishes the financial network. The terminal book information including the account book information is transmitted to the terminal through the terminal (850), and in response to the terminal, the terminal prints the account book details (855).

On the other hand, if the validity of the financial transaction request information is authenticated (825), the server is connected with a financial system equipped with an account ledger corresponding to the financial account based on the financial transaction information included in the financial transaction request information. Process the financial transaction (835).

If the financial transaction corresponding to the financial transaction request information is processed (840), the server agrees to print the book's detail color (or braille) for the bankbook to book the financial transaction details contained in the ledger D / B on the financial system Check Information (845)

If there is no book record color (or braille) print consent information for the bankbook (850), the server bookbook including any one of the financial transaction predetermined financial transaction approval information or financial transaction error information according to the financial transaction results Generate a record (855), and transmits the account book details information including the account book details through the financial network to the terminal (860), the terminal corresponding to the account book printing device 750 through the bankbook Print the booking details on the account (865).

If there is agreement information on the account book color (or braille) for the bankbook (850), the server checks the transaction target information for each item included in the ledger D / B on the financial system.

If there is no item-specific transaction target information for the bank account (875), the server generates a bank account book history including any one of financial transaction predetermined financial transaction approval information or financial transaction error information according to the financial transaction result ( In operation 855, the bank book information is transmitted to the terminal through the financial network, and the terminal prints the bank account in the bank account in operation 865.

If there is item-specific transaction target information for the bank account (875), the server checks the item-specific color (or braille) information included in the ledger D / B on the financial system (880), financial transactions according to the financial transaction results An account book record including any one of the approval information or the financial transaction error information and further including the item-specific color (or braille) information is generated.

Thereafter, the server transmits the bank account book history information including the bank account book record to the terminal.

Thereafter, the terminal checks whether the color information (or braille) for each item is included in the account book information.

If the item-specific color (or braille) information is not included (896), the terminal prints the transaction details of the transaction on the bankbook (865).

If the item-specific color (or Braille) information is included (896), the terminal instructs the color (or Braille) output to the account printing device 750 to print the financial transaction history on the account.

According to the present invention, by colorizing (or braille) the account book details, the customer has an advantage that it is easy to grasp at a glance the flow of funds desired by the customer.

According to the present invention, the financial institution provides an differentiated service, thereby improving the financial institution image and indirect marketing effect.

Claims (1)

One or more financial transactions-deposits, withdrawals, account deposits, raw material purchase funds, expense processing, corporate card payments, salaries, insurance claims-to be printed in different colors other than the basic color among the bankbook information and the bookkeeping details printed on the bankbook. And a ledger for storing and storing transaction object-transaction target account number or name-specific information for each financial transaction item and color information for each item corresponding to different colors. And Checking the financial transaction items and transaction target information corresponding to the bank account history to be booked in the bankbook in connection with the ledger, and confirming the color information for each item corresponding to the financial transaction items and transaction targets And a server configured to generate passbook entry history information including the identified item-specific color information, and transmit the passbook entry history information to the terminal for printing on the passbook.

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