KR20090086493A - Method for balancing between cyber account and circulating account - Google Patents

Abstract

A method for processing the balancing between a cyber account and a mobile account is provided to deposit an electric money value in a financial account to use it. A terminal transmits an electric money use request to a server through a financial network(1615). The server confirms validity of the electric money use request(1620). If the validity is authenticated, the server processes the electronic money use for using the electric money deposited in a cyber account based on cyber account information, electric money information and transaction authentication information through the linking with a financial system including an account ledger which corresponds to the cyber account(1625,1635).

Description

Method for Balancing between Cyber Account and Circulating Account}

1 is a diagram illustrating a face-to-face cyber account opening system for managing a financial transaction generated through a cyber account through a liquidity account according to an exemplary embodiment of the present invention.

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

3 is an embodiment in which a storage medium storing cyber account information corresponding to a cyber account opened in a face-to-face manner includes a database associated with a ledger D / B provided in a DBMS on a financial system according to another embodiment of the present invention. A diagram illustrating the method.

FIG. 4 is a diagram illustrating an implementation method in which a storage medium for storing cyber account information corresponding to a cyber account opened in a face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

5A and 5B are diagrams illustrating a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a face-to-face manner according to an exemplary embodiment of the present invention.

6A and 6B illustrate a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face cyber account opening system for managing a financial transaction generated through a cyber account through a liquidity account according to another embodiment of the present invention.

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

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

FIG. 11 is a diagram illustrating an embodiment of a method in which a storage medium for storing cyber account information corresponding to a cyber account opened in a non-face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a non-face-to-face manner according to an exemplary embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account according to one embodiment of the present invention.

14 is a diagram illustrating a face-to-face cyber account operating system for using electronic money deposited in a cyber account according to an exemplary embodiment of the present invention.

FIG. 15 is a diagram illustrating a ledger configuration corresponding to a cyber account provided in a financial system for using an electronic money in a face-to-face manner for using electronic money deposited in a cyber account according to an embodiment of the present invention.

16 is a diagram illustrating a process of processing electronic money use for using electronic money deposited in a cyber account in a face-to-face manner according to an embodiment of the present invention.

17 illustrates a non-face-to-face cyber account management system for using electronic money deposited in a cyber account according to an embodiment of the present invention.

18 is a diagram illustrating a ledger configuration corresponding to a cyber account provided in a financial system for using a non-face-to-face electronic money for use of electronic money deposited in a cyber account according to an embodiment of the present invention.

19 is a diagram illustrating a process of processing the use of electronic money for the use of electronic money deposited in the cyber account in a non-face-to-face manner in order to use the electronic money deposited in the cyber account according to one embodiment of the present invention.

20A and 20B illustrate a process of processing electronic money use for use of electronic money deposited in a cyber account in a non-face-to-face manner in order to use electronic money deposited in a cyber account according to another embodiment of the present invention. to be.

21 is a diagram illustrating a balancing processing system between a cyber account and a liquidity account for a liquidity account balancing process according to the use of electronic money deposited in a cyber account according to an embodiment of the present invention.

22 is a diagram illustrating a settlement process in a balancing processing system between a cyber account and a liquidity account for the liquidity account balancing process according to the use of electronic money deposited in the cyber account according to the embodiment of the present invention.

FIG. 23 is a diagram illustrating an interest processing process in a balance processing system between a cyber account and a liquidity account for cyber account balancing processing according to interest provided to a liquidity account according to an embodiment of the present invention.

<Description of main parts of drawing>

2100: balancing processing server 2105: information receiving unit

2110: information verification unit 2115: interest calculation unit

* 2120: Balancing amount calculation unit 2125: Ledger management unit

2130: financial transaction processing unit 2135: information provider

2140: Financial system 2145: Ledger D / B

2150: issuer terminal

According to the present invention, when a cyber account of a customer name using electronic money is opened, the liquidity account and the cyber account are stored in a ledger of a financial company that opens / manages a liquidity account of the customer name associated with the cyber account of the customer name in the information storage means. Configuring the linked cyber account management ledger, and when the interest payment time of the cyber account under the customer's name arrives, confirming the amount deposited in the liquidity account linked to the customer's cyber account in the information checking means; Calculating an interest amount to which a differential interest rate is applied in response to the deposit confirmed in the calculation means; and a premium rate set in an electronic money value corresponding to the balance amount to be applied to the cyber account in response to the interest amount in the balancing amount calculation means; Calculating an interest amount by applying the calculated amount; Here relates to monetary values in balancing method between the cyber account the mobility account comprises the step of recording on the cyber account.

Along with the development of modern society, the development of the financial industry is generating financial products with various values in addition to depositing existing cash (or beneficiary certificates) in financial accounts.

However, among the various values, the value of electronic money has a slightly different form from cash due to the characteristics of electronic money, and therefore, the settlement process is difficult.

In addition, although a settlement process may be performed by a person, when electronic money is used through many affiliated stores, heavy work may be given due to this, and there is a problem regarding risks caused by a person.

An object of the present invention for solving the above problems is, when a cyber account of a customer name using electronic money is opened, a financial company that opens / manages a liquidity account of the customer name associated with the cyber account of the customer name in the information storage means Forming a cyber account management ledger linking the liquidity account and the cyber account to the ledger; and when the interest payment time of the cyber account under the customer's name arrives, the information checking means deposits the liquidity account linked to the cyber account of the customer Confirming the amount of money that has been earned, calculating the interest amount to which the differential interest rate is applied in response to the deposit confirmed in the interest calculating means, and corresponding to the balancing amount to be applied to the cyber account in response to the interest amount in the balancing amount calculating means; The amount of interest is calculated by applying a preset premium rate to the value of electronic money. And, a cyber account the mobility account balance between the processing, including the step of said recording of cyber accounts, the calculated value of the electronic money management method in director means to provide.

In the balancing processing method between the cyber account and the liquidity account according to the present invention, when a cyber account of a customer name using electronic money is opened, the information storage means opens / manages a liquidity account of the customer name associated with the cyber account of the customer name. Forming a cyber account management ledger linking the liquidity account and the cyber account to the ledger of the financial company; and when the interest payment time of the cyber account under the customer's name arrives, the liquidity associated with the cyber account of the customer in the information checking means Confirming the amount deposited in the account, calculating the interest amount to which the differential interest rate is applied in response to the deposit confirmed in the interest calculating means, and balancing the amount to be applied to the cyber account in response to the interest amount in the balancing amount calculating means Interest rate by applying a preset premium rate to the value of electronic money corresponding to the amount Calculating the amount, and recording the calculated electronic money value in the cyber account by the ledger management means.

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

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

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

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

1 is a diagram illustrating a face-to-face cyber account opening system for managing a financial transaction generated through a cyber account through a liquidity account according to an embodiment of the present invention.

In more detail, Figure 1 shows a predetermined customer submitting a cyber account opening application form including at least one of predetermined customer information, financial product information, and available merchant information and submitting it to a window provided at a predetermined financial institution. A financial institution may open a cyber account for managing a financial transaction generated through the cyber account through a liquidity account and manage the cyber account based on the cyber account opening application information corresponding to the cyber account opening application. As a system configuration for storing cyber account information in a predetermined storage medium 185, a person having ordinary knowledge in the art to which the present invention pertains may generate a cyber account by referring to and / or modifying FIG. To establish a cyber account opening system for managing financial transactions through liquidity accounts. Would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may establish a cyber account by omitting an implementation method of storing the cyber account opening application electronic document in the electronic document repository by referring to and / or modifying the drawing 1. The system configuration may be inferred, and the DBMS in which the electronic document storage is located in the cyber account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the cyber account opening application electronic document is stored in the electronic document storage. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the execution method for generating the cyber account opening request electronic document as shown in FIG. 1, a cyber account opening request electronic document corresponding to the cyber account opening request application is generated on the server side on the cyber account opening system. The present invention is not limited thereto, and the cyber account opening request electronic document is generated by a terminal that acquires image content corresponding to the cyber account opening application through a predetermined image acquisition device. (Eg, the electronic document generating function provided on the server side is provided on the terminal side to generate the cyber account opening request electronic document), and the present invention is not limited thereto.

In addition, electronic money may be deposited in the cyber account, or an amount corresponding to the electronic money may be deposited, whereby the present invention is not limited thereto.

In addition, as illustrated in FIG. 1, the financial transaction generated through the cyber account using the cyber account is illustrated as being managed through the liquidity account, but the present invention is not limited thereto. The cyber account may be a cyber account, whereby the present invention is not limited.

In addition, the liquidity account may be opened at the same time when the cyber account is opened and connected in a relational manner, and the cyber account may be opened after the liquidity account is opened first, and the present invention is not limited thereto.

In addition, the cyber account may be a virtual account having a liquidity account linked to the cyber account as a parent account, and the present invention is not limited thereto.

In addition, the liquidity account may be a virtual account having a cyber account linked to the liquidity account as a parent account, and the present invention is not limited thereto.

Herein, the electronic money is preferably an electronic money value of 1: 1 that the electronic money deposited in the cyber account is available through a predetermined affiliate store.

For example, if the electronic money corresponding to one million won is deposited in the cyber account, the customer who owns the cyber account can use it through at least one affiliated store affiliated with a financial institution where the cyber account is opened within the limit of one million won. (I.e., all electronic money worth 1 million won is used at a particular merchant, or 500,000 won out of 1 million won is used as electronic money at the merchant, and the other electronic money corresponding to 500,000 won is used through another merchant) Is preferred.

In addition, the electronic money is an amount that can be exchanged for the electronic money is deposited in the cyber account, when using the electronic money through the cyber account, it is preferable to provide the exchange money to the electronic money.

For example, if an amount corresponding to 1.1 million won of electronic money is deposited in the cyber account, when 550,000 won of electronic money is withdrawn (or used) through the cyber account, 500,000 won of the amount deposited in the cyber account is deposited. It is preferable to withdraw the money and the exchange rate is 10%.

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

Referring to FIG. 1 according to an embodiment of the present invention, a cyber account opening system for managing a financial transaction generated through the cyber account through a liquidity account is provided in at least one branch of a financial institution (or a branch). And a terminal device 197 including a counter terminal, wherein the terminal device 197 has a communication channel with a financial company server 100 provided on the cyber account opening system through a predetermined financial network. Connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for managing a financial transaction generated through the cyber account through a liquidity account, and is provided at the financial institution branch (branch branch). Application for opening a predetermined cyber account for managing a financial transaction occurring through the cyber account through a counter (or through a cashier) through a liquidity account (for example, through a liquidity account for a financial transaction occurring through the cyber account) A document with a form for filling in at least one information item for management), wherein the customer may seal the customer's seal for the legal basis for the cyber account opening application. .

Subsequently, when the customer submits the created cyber account opening application to the teller, the teller scans the cyber account opening application through a predetermined image obtaining device to obtain predetermined image content, and the predetermined teller terminal Input (or select) cyber account opening application information including at least one of image content acquired in response to the cyber account opening application and at least one of customer information, financial product information, and available merchant information filled in the cyber account opening application; In response, the window terminal preferably transmits the image content and cyber account opening application information to the financial company server 100 provided on the cyber account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 190 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the cyber account opening system as described above, the image acquisition device for acquiring the image content corresponding to the cyber account opening application prepared by the customer, the teller terminal used by the employee and the teller terminal and the financial company server 100 The connecting financial network performs a function of a financial account opening interface for registering a cyber account opening application information for the customer to manage a financial transaction generated through the cyber account through a liquidity account.

The storage medium 185 provided on the cyber account opening system according to the present invention includes the customer information, account attribute information, available merchant information, included in the cyber account opening request information provided from the terminal device 197, And storing cyber account information including at least one of liquidity account information and inter-account discount information.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (eg, an account capable of generating funds such as funds, savings, savings, etc.) (eg, interest from fund investment, savings or savings account). A portion (or the total amount) or the principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.), and on the financial system 190 corresponding to the institution by subscribing to the electronic money using institution using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 190 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on a financial system 190 provided on the cyber account opening system (or associated with the cyber account opening system), In this case, the storage medium 185 may be a ledger D / B 195 provided in a DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. The present invention is not limited thereby.

According to another embodiment of the present invention, the storage medium 185 is provided on (or associated with) the cyber account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 100 provided on the cyber account opening system according to the present invention is a generic term for the components of the cyber account opening system connected to the terminal device 197 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 197 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 190. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 190, and / or a program provided in the external system on the financial system 190, The present invention is not limited thereby.

According to an embodiment of the present invention, the financial institution server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 197 through the financial network. Characterized in that made.

According to an exemplary embodiment of the present invention, when the terminal device 197 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when a predetermined terminal device 197 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 may use a cyber account. In order to manage the generated financial transaction through a liquidity account, through the predetermined image acquisition device provided in the terminal device 197, the image content corresponding to the cyber account opening application prepared by the customer is obtained, and the cyber account opening application Generate (or extract) at least one user interface for inputting (or selecting) cyber account opening request information corresponding to the financial institution server 100, and generating the at least one user interface in connection with the interface unit 105. Or an interface providing unit 110 (or interface providing means) for providing the extracted user interface to the terminal device 197, and When the terminal device 197 inputs (or selects) the cyber account opening application information corresponding to the cyber account opening application through the user interface and transmits the information, the terminal device 197 is connected to the interface unit 105 from the terminal device 197. A cyber account created by the customer through the information receiving unit 115 (or information receiving means) for receiving the transmitted cyber account opening request information and a predetermined image obtaining apparatus based on the user interface in the terminal device 197. When the image content corresponding to the opening application is obtained and transmitted, the image receiving unit 120 (or an image receiving unit) is provided to receive the image content corresponding to the cyber account opening application in association with the interface unit 105. It is characterized by.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the cyber account to the financial institution server 100. When a user interface for managing a financial transaction generated through a liquidity account is requested, image contents corresponding to the cyber account opening application prepared by the customer are obtained through a predetermined image acquisition device included in the terminal device 197. Generate (or select) at least one user interface for inputting (or selecting) cyber account opening application information corresponding to the cyber account opening application to the financial institution server 100 through the financial network; Extracted from the database (not shown) of the user, and the user generated (or extracted) in conjunction with the interface unit 105 An interface may be provided to the terminal device 197 through the financial network.

According to another embodiment of the present invention, the terminal device 197 acquires image contents corresponding to the cyber account opening application written by the customer through a predetermined image acquisition device, and opens a cyber account corresponding to the cyber account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the cyber account opening application prepared by the customer, inputting (or selecting) cyber account opening application information corresponding to the cyber account opening application, and transmitting the same to the financial company server 100. Create (or extract) an interface to the terminal 197 And ball interface providing unit 110 may be omitted to mubang, to which the present invention is not limited.

Thereafter, the terminal device 197 inputs (or selects) cyber account opening application information including at least one of the customer information, financial product information, and available merchant information through the user interface, and the input (or Selects and transmits the cyber account opening application information to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 from the terminal device 197. And receiving the cyber account opening application information transmitted.

In addition, the terminal device 197 obtains image content corresponding to the cyber account opening application written by the customer through a predetermined image acquisition device based on the user interface, and obtains the obtained image content through the financial network. The image receiver 120 receives the image content corresponding to the cyber account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal apparatus 197 acquires image contents corresponding to the cyber account opening application written by the customer through a predetermined image obtaining apparatus, and is provided in the terminal apparatus 197 ( Or when the terminal device 197 is previously stored in a predetermined storage device, an image corresponding to a cyber account opening application created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select content and transmit it to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the cyber account opening application in connection with the interface unit 105. It is desirable to.

According to another embodiment of the present invention, the terminal device 197 through the user interface via the user interface image content corresponding to the cyber account opening application and the cyber account opening application information corresponding to the cyber account opening application; When transmitting together, the information receiver 115 may receive the image content corresponding to the cyber account opening application and the cyber account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution server 100 receives the cyber account opening request information transmitted from the terminal device 197 through the information receiver 115, the received cyber account opening request information is displayed. It is characterized in that it is provided with a validity verification unit 125 (or validation means) for confirming whether the financial transaction generated through the cyber account satisfies the validity for management through the liquidity account.

According to an embodiment of the present invention, the validity of the cyber account opening application information is matched with the cyber account opening application information in the ledger D / B 195 on the financial system 190 linked to the cyber account opening system. It is preferable to include whether the at least one ledger information is registered.

For example, the verification of the validity of the cyber account opening request information may include: a financial system in which the customer information (customer personal information, member information, etc.) is linked with the cyber account opening system, among the information included in the cyber account opening request information ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, the verification of the validity of the cyber account opening application information is the information contained in the cyber account opening application information, the financial product information associated with the cyber account opening system of the financial system 190 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 197 through the image receiving unit 120, and opens the cyber account through the validity checking unit 125. When the validity of the application information is authenticated, an electronic document generation unit 130 (or electronic document generating means) for generating a predetermined cyber account opening application electronic document including the received image content, and opening the generated cyber account And an electronic document transmission unit 135 (or an electronic document transmission means) for transmitting the application electronic document to the electronic document repository associated with the cyber account opening system.

The electronic document generating unit 130 generates a cyber account opening request electronic document including the image content received from the terminal device 197 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the image file including the image content received from the terminal device 197 through the image receiving unit 120 through the cyber account as it is. It is desirable to process the generated financial transaction as an electronic document for cyber account opening for management through a liquidity account.

Alternatively, the electronic document generating unit 130 is included in the cyber account opening request information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. Manage a financial transaction through a liquidity account for an image file corresponding to an image content including at least one or more of customer information, financial product information, and available merchant information by watermarking. It is desirable to create an electronic document for cyber account opening.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file including the image content received from the terminal device 197 through the image receiving unit 120 (eg, PDF) (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to generate a cyber account opening electronic document for managing a financial transaction occurring through a liquidity account.

Alternatively, the electronic document generating unit 130 is included in the cyber account opening request information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. Generate image content including at least one of customer information, financial product information, and available merchant information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable) including the generated image content. A Document Format (EDI) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for cyber account opening for managing financial transactions through a liquidity account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content received from the terminal device 197 through the image receiving unit 120 and the information receiving unit 115. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the cyber account opening application information, or an MHT By generating a web document file, etc.), it is preferable to generate a cyber account opening application electronic document for managing the financial transaction generated through the cyber account through a liquidity account.

Alternatively, the electronic document generating unit 130 is included in the cyber account opening request information received through the information receiving unit 115 in the image content received from the terminal device 197 through the image receiving unit 120. A predetermined document including image information including at least one or more of customer information, financial product information, and available merchant information by a watermarking method, and including the generated image content and the cyber account opening request information. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), To create a cyber account opening application electronic document for managing a financial transaction generated through the cyber account through a liquidity account; Is preferred.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features of generating a cyber account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the cyber account opening request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the cyber account opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the cyber account opening system. do.

As shown in FIG. 1, the electronic document repository is connected with a financial company server 100 on the cyber account opening system through a predetermined communication means, and a predetermined electronic document server 160 and electronic document D / B 180. When provided externally, the electronic document transmission unit 135 is the electronic document opening request electronic document generated by the electronic document generation unit 130 through the communication means the electronic document server 160 It characterized in that the transmission to.

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside the cyber account opening system, the electronic document server 160 and the electronic document D / B 180 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the cyber account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. The cyber account opening request electronic document can be stored in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the cyber account opening system, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document-related information (eg, a cyber account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 160. Customer information on which the application for opening is made, and / or financial institution information for transmitting the cyber account opening request electronic document, and / or electronic document file format information, and / or the cyber account opening request information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 performs a liquidity account for a financial transaction in which the cyber account opening request information received through the information receiving unit 115 is generated through the cyber account through the validity checking unit 125. When the validity for the management through the authentication is authenticated, the cyber account information is generated based on the customer information, the financial product information, and the available merchant information included in the cyber account opening application information for which the validity is verified, and the generated cyber When using the electronic money deposited in the cyber account through the cyber account corresponding to the account information, the information generating unit 140 (or information generating means) for generating liquidity account information in which the cash corresponding to the electronic money is deposited and managed; A cyber account establishment unit 145 (or a cyber account establishment unit 145 for opening and processing a cyber account of the customer name including the cyber account information); Cyber account opening means) and a liquidity account opening unit 150 (or liquidity account opening means) for opening and processing the liquidity account associated with the opened cyber account.

When the validity of the cyber account opening application information is confirmed by the validity confirming unit 125, the information generating unit 140 includes customer information, financial product information, and available merchant information included in the cyber account opening application information. Generating the cyber account information and using the electronic money deposited in the cyber account through the cyber account corresponding to the generated cyber account information, the liquidity account information in which the cash corresponding to the electronic money is deposited and managed It is characterized by generating.

Here, the cyber account information is preferably formed by including the account number and the interest rate information corresponding to the cyber account opened based on the cyber account opening application information, when the cyber account includes the savings attribute, It is preferable that the predetermined subscription period, payment date and time, and payment amount information is further included.

The liquidity account information may include an account number and an interest rate information corresponding to a liquidity account opened based on the cyber account information. When the liquidity account includes a savings attribute, a predetermined subscription period and It is preferable that the payment date and payment amount information is further included.

The cyber account opening unit 145 generates a customer ledger including customer information included in the cyber account opening application information in connection with the financial system 190 (or matches a customer ledger provided with the customer information. And generating predetermined account ledger information including the cyber account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the cyber account opening application information. It is characterized by opening a cyber account.

According to an exemplary embodiment of the present invention, when the financial company server 100 and the financial system 190 exist in the same system, the cyber account opening unit 145 may be linked with the financial system 190 by the ledger D /. It is desirable to create a predetermined ledger in the B 195 that includes cyber account information.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 190 exist on another system connected through a predetermined communication means, the cyber account opening unit 145 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 190, to make a ledger D / B 195 on the other financial system 190 to generate a predetermined ledger including the cyber account information.

The liquidity account opening unit 150 checks a customer ledger that is matched with the customer information after the cyber account is opened in connection with the financial system 190 (or is matched with the cyber account and provided with Check the ledger), generate predetermined ledger information including the liquidity account information, generate the ledger information in the predetermined ledger associated with the customer ledger, and then link with the ledger. By storing the account ledger information in a predetermined account ledger, a liquidity account for managing a financial transaction generated through the cyber account in response to the cyber account opening application information is opened.

According to an embodiment of the present invention, when the financial company server 100 and the financial system 190 exist in the same system, the liquidity account opening unit 150 may be linked with the financial system 190 by the ledger D /. It is desirable to create a predetermined ledger in B 195 that includes liquidity account information associated with the cyber account information.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 190 exist on another system connected through a predetermined communication means, the liquidity account opening unit 150 may perform a predetermined communication. To create a predetermined ledger in the ledger D / B 195 on the other financial system 190 including liquidity account information associated with the cyber account information via an external system on the financial system 190 via means. It is desirable to request.

Referring to FIG. 1, the financial institution server 100 performs a liquidity account for a financial transaction in which the cyber account opening request information received through the information receiving unit 115 is generated through the cyber account through the validity checking unit 125. If the validity for the management through the authentication is authenticated, at least one or more of the customer information and account attribute information, available merchant information, liquidity account information, the information between the account included in the cyber account opening application information is validated And an information storage unit 155 (or information storage means) for storing cyber account information in a predetermined storage medium 185.

In addition, when the electronic money is used through the opened cyber account, the financial institution server 100 uses the cash deposited in the predetermined account to apply the predetermined discount rate to the used electronic money. And an information storage unit 155 for storing the liquidity account information including at least one information and account attribute information in a predetermined storage medium 185.

When the validity of the cyber account opening request information is confirmed by the validity confirming unit 125, the information storage unit 155 may include the customer information, account attribute information, and available merchants included in the cyber account opening request information. Cyber account information including at least one of information, liquidity account information, inter-account discount information, customer information included in the cyber account opening request information, and customer information about a liquidity account linked to the cyber account corresponding to the cyber account information. And at least one liquidity account information including at least one account attribute information in the storage medium 185.

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be configured as the storage medium 185. Storing cyber account information in the storage medium 185 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial company server 100 or on the network associated with the financial company server 100, the information storage unit 155 is provided. Is stored in the storage medium 185. It is desirable to store.

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 190, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. It is preferable to store in the DBMS provided on (190).

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. The financial system by providing the customer information about the liquidity account linked to the cyber account and the liquidity account information including at least one or more account attribute information to the information system through the external system on the financial system 190. It is preferable to store in the DBMS provided on 190).

Referring to FIG. 1, an electronic document that receives a predetermined cyber account opening request electronic document from the financial institution server 100 provided on the cyber account opening system and stores and manages the electronic document D / B 180 in a predetermined electronic document D / B 180. The server 160 includes an electronic document receiving unit 165 (or electronic document receiving unit) for receiving a predetermined cyber account opening request electronic document from the financial institution server 100 through a predetermined communication unit, and the received cyber account. An information generating unit 170 (or information generating means) for generating predetermined electronic document management information for storing and managing an opening application electronic document in the electronic document D / B 180; and the electronic document management information and the An electronic document storage unit 175 (or electronic document storage means) for linking the cyber account opening request electronic document and storing it in a predetermined electronic document D / B 180 is provided. .

The electronic document receiving unit 165 may receive a cyber account opening request electronic document in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to the exemplary embodiment of the present invention, the cyber account opening request electronic document received by the electronic document receiving unit 165 through the communication means may include image content received by the financial institution server 100 from the terminal device 197. It is preferable that the image file is included as it is.

Alternatively, the cyber account opening request electronic document received by the electronic document receiving unit 165 through the communication means is the cyber account opening request information on the image content received by the financial institution server 100 from the terminal device 197. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial product information, available merchant information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the cyber account opening request electronic document received by the electronic document receiving unit 165 through the communication means is an image content received by the financial institution server 100 from the terminal device 197. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the cyber account opening request electronic document received by the electronic document receiving unit 165 through the communication means is included in the cyber account opening request information on the image content received by the financial institution server 100 from the terminal device 197. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) containing image content including at least one or more of the included customer information, financial product information, and available merchant information in a watermarking manner. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the cyber account opening request electronic document received by the electronic document receiving unit 165 through the communication means is an image received by the financial institution server 100 from the terminal device 197. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including contents and the cyber account opening request information; Or a web document file including the MHT).

Alternatively, the cyber account opening request electronic document received by the electronic document receiving unit 165 through the communication means is included in the cyber account opening request information on the image content received by the financial institution server 100 from the terminal device 197. Image content including at least one or more of the included customer information, financial product information, and available merchant information in a watermarking manner, and a predetermined document file (eg, PDF (Portable) including the cyber account opening request information. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the cyber account opening request electronic document received through the electronic document receiving unit 165, and through the electronic document receiving unit 165 And generating electronic document management information including electronic document storage date and time information including a date and time at which the cyber account opening request electronic document was received (or a date and time at which the cyber account opening request electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 170 opens the cyber account with reference to the financial company server 100 that has transmitted the cyber account opening request electronic document received through the electronic document receiving unit 165. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received electronic document. Document-related information (e.g., customer information for creating a cyber account opening application corresponding to the image content, and / or financial institution information for transmitting the cyber account opening application electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the cyber account opening application information).

The electronic document storage unit 175 processes a cyber account opening request electronic document received through the electronic document receiving unit 165 and electronic document management information generated through the information generating unit 170 in a predetermined electronic document. It is characterized in that the storage in the D / B (180).

According to the exemplary embodiment of the present invention, the cyber account opening request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the financial institution server 100 by the terminal device 197. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the cyber account opening request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be applied to the image content received by the financial institution server 100 from the terminal device 197. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial product information, available merchant information included in the cyber account opening application information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the cyber account opening request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the financial institution server 100 by the terminal device 197. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

* Alternatively, the cyber account opening request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be included in the image content received by the financial institution server 100 from the terminal device 197. A predetermined document file (eg, PDF (Portable) including image content including at least one or more information of customer information, financial product information, and available merchant information included in the cyber account opening application information in a watermarking manner. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

According to another embodiment of the present invention, the cyber account opening request electronic document that the electronic document storage unit 175 stores in the electronic document D / B (180) is the financial company server 100 is the terminal device ( At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the 197 and the cyber account opening request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the cyber account opening request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be included in the image content received by the financial institution server 100 from the terminal device 197. Image content including at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information by watermarking, and a predetermined document file including the cyber account opening application information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to the implementation method of the present invention, the pre-document management information stored in the electronic document D / B (180) by the electronic document storage unit 175 is processed in connection with the cyber account opening request electronic document, the cyber account Preferably, a predetermined electronic document unique number (or unique information) assigned to the opening application electronic document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the cyber account opening request electronic document is stored in the cyber account. The financial institution server 100 that has transmitted the opening application electronic document is preferably made to further include information on the financial institution that transmitted the cyber account opening application electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 175 processes the connection with the cyber account opening request electronic document and the The electronic document management information stored in the electronic document D / B 180 may include the received electronic document related information (for example, customer information for creating a cyber account opening application corresponding to the image content, and / or the cyber account opening request). Financial institution information for transmitting the electronic document, and / or the electronic document file format information, and / or the cyber account opening application information).

2 is a diagram illustrating an implementation method in which a storage medium 185 for storing cyber account information corresponding to a cyber account opened in a face-to-face manner is provided in a DBMS on a financial system 190 according to an embodiment of the present invention. .

In more detail, in FIG. 2, the storage medium 185 shown in FIG. 1 is the ledger D / B 195 provided in the DBMS on the financial system 190, or the ledger D / B 195. In this case, the information structure for one embodiment of the cyber account information is stored in the ledger information provided in the ledger D / B (195), if the person of ordinary skill in the art While referring to and / or modifying FIG. 2, various information construction methods for storing the cyber account information in the ledger D / B 195 may be inferred, but the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 195 provided in the DBMS on the financial system 190 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the cyber account opening system illustrated in FIG. 1 and at least one information associated with the account ledger are included. If the person has, the ledger D / B (195) provided in the DBMS on the financial system 190 has at least one ledger (eg, ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in Figure 2 , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since you will be familiar with the details, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is relationally linked to the customer ledger, the account ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic receipt information including at least one (day), extension, maturity date, and target amount, and / or 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. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 2, which includes an implementation method provided in the ledger D / B 195 or the ledger D / B 195, according to an embodiment of the present invention, A cyber account including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening application information provided through the cyber account opening system shown in FIG. The information is stored in the form of additional information added to the account ledger.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.), and on the financial system 190 corresponding to the institution by subscribing to the electronic money using institution using electronic money through the cyber account. It is preferable to include at least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 190 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

According to another embodiment of the present invention, the cyber account opening application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

3 illustrates a ledger D / B 195 having a storage medium 185 for storing cyber account information corresponding to a cyber account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system 190. Is a diagram showing an implementation method including a database associated with

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 185 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 195 included in the DBMS on the financial system 190. As shown in FIG. 3, if the person of ordinary skill in the art of the present invention belongs to the present invention, the cyber account information is stored in a predetermined database by referring to and / or modifying the drawing 3. It will be able to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the cyber account information in the ledger information of the ledger D / B 195 on the DBMS provided on the financial system 190 (for example, in the policy of a financial institution, the DBMS). It is not easy to change the ledger D / B 195 of the ledger, or the system expansion is not easy due to the nature of the financial system 190), and the cyber account is stored in a predetermined database instead of the ledger D / B 195. A method of storing information and storing the information in association with the database and the ledger D / B 195 is illustrated.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 190 as in the embodiment shown in FIG. 3, and a database on the Internet banking system according to the intention of a person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 3, the storage medium 185 includes a database associated with the ledger D / B 195 provided in the DBMS on the financial system 190. And storing cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening request information. Preferably, the information further includes a CIF number corresponding to the ledger information in the cyber account information to be linked to the ledger D / B 195.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.), and on the financial system 190 corresponding to the institution by subscribing to the electronic money using institution using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 190 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server in a storage medium 185 for storing cyber account information corresponding to a cyber account opened in a face-to-face manner according to another exemplary embodiment of the present invention. to be.

In more detail, FIG. 4 shows a predetermined banking system in which the storage medium 185 shown in FIG. 1 is provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer the information configuration method for cyber account information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 185 includes a DBMS provided in a banking server. Referring to FIG. 4, a predetermined DBMS provided in the banking server is the cyber account opening request information. And storing cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) (e.g., interest from fund investment, savings or savings account) Partial (or all) of or the principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.), and on the financial system 190 corresponding to the institution by subscribing to the electronic money using institution using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 190 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

5A and 5B illustrate a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a face-to-face manner according to an exemplary embodiment of the present invention.

5A and 5B show the terminal device 197 on the cyber account opening system shown in FIG. 1 provided at a financial institution branch (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 190 linked to the counter terminal through the financial network, cyber for managing a financial transaction generated through a cyber account through a liquidity account In order to open an account, a cyber account opening application form including at least one of customer information, financial product information, and available merchant information may be prepared and submitted, and the financial institution may establish a cyber account in a face-to-face manner based on the cyber account opening application form. The system configuration for opening and processing, specifically, the customer fills out the cyber account opening application When submitting to the counter, the counter terminal acquires predetermined image contents corresponding to the cyber account opening application through a predetermined image acquisition device, transmits the predetermined image content to the financial institution server 100, and then responds to the cyber account opening application. When the cyber account opening application information is input (or selected) and transmitted to the financial institution server 100, the cyber institution server 100 includes the at least one customer information, financial product information, and available merchant information. It shows an implementation method of opening and processing the cyber account based on the account opening application information.

Those skilled in the art to which the present invention pertains, various implementations of registering the cyber account opening application information to the financial company server 100 at the window terminal by referring to and / or modified in the drawings 5a and 5b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the cyber account opening application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the cyber account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) cyber account opening application information corresponding to the cyber account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

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

Referring to FIGS. 5A and 5B, an application for opening a cyber account including at least one customer information, financial product information, and available merchant information for managing a financial transaction generated through a cyber account by a customer through a liquidity account When the payment is made and submitted, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network, and connects a predetermined communication channel to the bank terminal. The financial terminal is generated through a cyber account corresponding to the cyber account opening application. When requesting a user interface for managing a transaction through a liquidity account (500), the server corresponding to the predetermined image content corresponding to the cyber account opening application created by the customer through the predetermined image acquisition device in the terminal corresponding to the 500 Create (or extract) a user interface for obtaining and transmitting to the server; In step 505, the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (510).

Thereafter, the terminal acquires image content corresponding to the cyber account opening application through a predetermined image obtaining apparatus based on the user interface (515).

If image content corresponding to the cyber account opening application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) cyber account opening request information including at least one of customer information, financial product information, and available merchant information corresponding to the cyber account opening application matching the image content to the server. A user interface for transmission is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) cyber account opening application information including at least one of the customer information, financial product information, and available merchant information through the user interface (540).

If the cyber account opening application information including at least one of the customer information, the financial product information, and the available merchant information is input (or selected) through the user interface (545), the terminal receives the server through the financial network. In step 550, the cyber account opening application information is transmitted (or selected).

Thereafter, the server receives and reads cyber account opening request information including at least one of the customer information, financial product information, and available merchant information through the financial network to confirm the validity of the cyber account opening request information. (555).

According to an embodiment of the present invention, the validation of the cyber account opening request information is matched with the cyber account opening request information on the ledger D / B 195 on the financial system 190 linked to the cyber account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the verification of the validity of the cyber account opening request information may include: a financial system in which the customer information (customer personal information, member information, etc.) is linked with the cyber account opening system, among the information included in the cyber account opening request information ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, the verification of the validity of the cyber account opening application information is the information contained in the cyber account opening application information, the financial product information associated with the cyber account opening system of the financial system 190 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

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

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

According to an embodiment of the present invention, the server is a liquidity of the financial transaction generated through the cyber account as it is the image file including the image content received from the terminal device 197 through the image receiving unit 120 It is preferable to process a cyber account opening electronic document for managing through an account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. Apply for opening a cyber account for managing a financial transaction generated through the cyber account through an image file corresponding to the image content including at least one or more information of available merchant information in a watermarking manner It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (for example, a Portable Document Format (PDF) file) including the image content received from the terminal device 197 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby providing liquidity for financial transactions generated through the cyber account. It is desirable to generate an electronic document for cyber account opening for management through an account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. Generating an image content including at least one or more pieces of available merchant information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for application for cyber account opening for management.

According to another embodiment of the present invention, the server is the image content received from the terminal device 197 through the image receiving unit 120 and the cyber account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a cyber account opening application electronic document for managing a financial transaction generated through the cyber account through a liquidity account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. And generating an image content including at least one or more information of available merchant information by a watermarking method, and a predetermined document file (eg, PDF (including PDF) including the generated image content and the cyber account opening request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for cyber account opening for managing financial transactions through liquidity accounts. The.

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

Thereafter, the server stores the generated cyber account opening request electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the cyber account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated cyber account opening request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180).

Alternatively, when the electronic document storage is provided on a DBMS provided in the cyber account opening system, the server sends the generated cyber account opening request electronic document to an electronic document storage on a DBMS provided in the cyber account opening system. It is possible to store in the corresponding electronic document D / B 180, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be configured as the storage medium 185. Storing cyber account information in the storage medium 185 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be Storing the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one account attribute information in the storage medium 185. It is desirable to.

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 190, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. It is preferable to store in the DBMS provided on (190).

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. The financial system by providing the customer information about the liquidity account linked to the cyber account and the liquidity account information including at least one or more account attribute information to the information system through the external system on the financial system 190. It is preferable to store in the DBMS provided on (190).

If the cyber account opening request electronic document is stored in the electronic document storage (580), the server is the cyber account information based on the customer information, financial product information, available merchant information included in the cyber account opening application information Then, the liquidity account information is generated (585).

Herein, the cyber account information may include an account number and an interest rate information corresponding to the cyber account opened based on the cyber account opening application information. It is preferable that the subscription period, payment date and time and payment amount information are further included.

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be configured as the storage medium 185. Storing cyber account information in the storage medium 185 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be Storing the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one account attribute information in the storage medium 185. It is desirable to.

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 190, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. It is preferable to store in the DBMS provided on (190).

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. The financial system by providing the customer information about the liquidity account linked to the cyber account and the liquidity account information including at least one or more account attribute information to the information system through the external system on the financial system 190. It is preferable to store in the DBMS provided on (190).

Thereafter, the server is linked to the financial system 190 to finance the customer's name including the cyber account information based on the customer information, financial product information, and available merchant information included in the cyber account opening application information. The account is opened (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the cyber account opening application information in association with the financial system 190 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the cyber account information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the cyber account opening application information. It is characterized in that the opening of a predetermined financial account for managing the financial transaction generated through the cyber account through the liquidity account.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the cyber account information to the ledger D / B 195 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 195 on the other financial system 190 to generate a predetermined ledger including the cyber account information through the external system.

Thereafter, the server generates and stores the cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening request information. Save to media 185 (595)

According to an embodiment of the present invention, when the storage medium 185 is provided in the server or on a network associated with the server, the server includes the customer information included in the received cyber account opening request information. Preferably, the storage medium 185 stores cyber account information including at least one of account attribute information, available merchant information, liquidity account information, and discount rate information between accounts.

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the server includes the customer information and the account included in the received cyber account opening application information. The cyber account information including at least one or more of attribute information, available merchant information, liquidity account information, and inter-account discount information is provided to the information system through an external system on the financial system 190 and provided on the financial system 190. It is desirable to store in a DBMS.

Thereafter, the server may provide predetermined financial account opening history information (eg, the cyber account opening history, and / or the history of storing the cyber account opening request electronic document in the electronic document storage, and / or the storage medium 185). (B) storing (or extracting) the details of storing the cyber account opening application information in step 599.

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on a financial system 190 provided on the cyber account opening system (or associated with the cyber account opening system), In this case, the storage medium 185 may be a ledger D / B 195 provided in a DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 185 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the cyber account opening system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

6A and 6B illustrate a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals provided with a terminal device 197 on the cyber account opening system shown in FIG. In the case of having a ledger server (not shown) function on the financial system 190 linked to the counter terminal through the financial network, cyber for managing a financial transaction generated through a cyber account through a liquidity account In order to open an account, a cyber account opening application form including at least one of customer information, financial product information, and available merchant information may be prepared and submitted. As a system configuration for opening and processing, specifically, the customer fills out the cyber account opening application form. If submitted to the window, the cyber terminal opening application information corresponding to the cyber account opening application is input (or selected) at the window terminal and transmitted to the financial institution server 100, and then the cyber terminal receives a cyber image through a predetermined image acquisition device. When the predetermined image content corresponding to the account opening application is obtained and transmitted to the financial institution server 100, the financial institution server 100 includes the at least one customer information, financial product information, and available merchant information. It shows an implementation method of opening and processing the cyber account based on the cyber account opening application information.

Those skilled in the art to which the present invention pertains, various implementations of registering the cyber account opening application information to the financial company server 100 at the teller terminal by referring to and / or modifying the figures 6a and 6b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

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

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the cyber account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) cyber account opening application information corresponding to the cyber account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, and available merchant information transmitted to the financial company server 100 are referred to as "cyber account opening application information" for convenience.

6A and 6B, an application for opening a cyber account including at least one customer information, financial product information, and available merchant information for managing a financial transaction generated through a cyber account by a customer through a liquidity account. When the payment is made and submitted, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network, and connects a predetermined communication channel to the bank terminal. The financial terminal is generated through a cyber account corresponding to the cyber account opening application. When requesting a user interface for managing a transaction through a liquidity account (600), the server correspondingly at least one of customer information, financial product information, available merchant information corresponding to the cyber account opening application prepared by the customer Input (or select) cyber account opening request information to send to the server Generating a user interface for (or extract), and 605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) cyber account opening application information including at least one of the customer information, financial product information, and available merchant information through the user interface (615).

If the cyber account opening application information including at least one of the customer information, the financial product information, and the available merchant information is input (or selected) through the user interface (620), the terminal receives the server through the financial network. In step 625, the cyber account opening request information is transmitted (or selected).

Thereafter, the server receives and reads cyber account opening request information including at least one of the customer information, financial product information, and available merchant information through the financial network to confirm the validity of the cyber account opening request information. (630).

According to an embodiment of the present invention, the validation of the cyber account opening application information is matched with the cyber account opening application information in the ledger D / B 195 on the financial system 190 linked to the cyber account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the verification of the validity of the cyber account opening request information may include: a financial system in which the customer information (customer personal information, member information, etc.) is linked with the cyber account opening system, among the information included in the cyber account opening request information ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, the verification of the validity of the cyber account opening application information is the information contained in the cyber account opening application information, the financial product information associated with the cyber account opening system of the financial system 190 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

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

On the other hand, if the validity of the cyber account opening application information is authenticated (635), the server acquires predetermined image contents corresponding to the cyber account opening application written by the customer through a predetermined image acquisition device in the terminal to obtain the server. A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the cyber account opening application through a predetermined image obtaining apparatus based on the user interface (655).

If image content corresponding to the cyber account opening application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the cyber account opening request information and the image content from the terminal generates a predetermined cyber account opening request electronic document including the image content (670).

According to an embodiment of the present invention, the server is a liquidity of the financial transaction generated through the cyber account as it is the image file including the image content received from the terminal device 197 through the image receiving unit 120 It is preferable to process a cyber account opening electronic document for managing through an account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. Apply for opening a cyber account for managing a financial transaction generated through the cyber account through an image file corresponding to the image content including at least one or more information of available merchant information in a watermarking manner It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (for example, a Portable Document Format (PDF) file) including the image content received from the terminal device 197 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby providing liquidity for financial transactions generated through the cyber account. It is desirable to generate an electronic document for cyber account opening for management through an account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. Generating an image content including at least one or more pieces of available merchant information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for application for cyber account opening for management.

According to another embodiment of the present invention, the server is the image content received from the terminal device 197 through the image receiving unit 120 and the cyber account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a cyber account opening application electronic document for managing a financial transaction generated through the cyber account through a liquidity account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. And generating an image content including at least one or more information of available merchant information by a watermarking method, and a predetermined document file (eg, PDF (including PDF) including the generated image content and the cyber account opening request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for cyber account opening for managing financial transactions through liquidity accounts. The.

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

Thereafter, the server stores the generated cyber account opening request electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the cyber account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated cyber account opening request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180).

Alternatively, when the electronic document storage is provided on a DBMS provided in the cyber account opening system, the server sends the generated cyber account opening request electronic document to an electronic document storage on a DBMS provided in the cyber account opening system. It is possible to store in the corresponding electronic document D / B 180, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the cyber account opening request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated cyber account opening request electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (180).

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

The electronic document management information may further include financial institution information that transmits the cyber account opening request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a cyber account opening application corresponding to the image content, and / or financial institution information for transmitting the cyber account opening application electronic document, and And / or the electronic document file format information, and / or the cyber account opening application information).

If the cyber account opening request electronic document is stored in the electronic document storage (680), the server is the cyber account information based on the customer information, financial product information, available merchant information included in the cyber account opening application information Generate 685.

Herein, the cyber account information may include an account number and an interest rate information corresponding to the cyber account opened based on the cyber account opening application information. It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 190 to finance the customer's name including the cyber account information based on the customer information, financial product information, and available merchant information included in the cyber account opening application information. Open account (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the cyber account opening application information in association with the financial system 190 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the cyber account information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the cyber account opening application information. It is characterized in that the opening of a predetermined financial account for managing the financial transaction generated through the cyber account through the liquidity account.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the cyber account information to the ledger D / B 195 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 195 on the other financial system 190 to generate a predetermined account ledger including the cyber account information through the external system.

Thereafter, the server may include cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information included in the cyber account opening request information, and the cyber account information. Generates liquidity account information associated with the cyber account corresponding to and stores the liquidity account information in a predetermined storage medium (185) (695)

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be configured as the storage medium 185. Storing cyber account information in the storage medium 185 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be Storing the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one or more account attribute information in the storage medium 185. It is desirable to.

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 190, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. It is preferable to store in the DBMS provided on (190).

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. The financial system by providing the customer information about the liquidity account linked to the cyber account and the liquidity account information including at least one or more account attribute information to the information system through the external system on the financial system 190. It is preferable to store in the DBMS provided on 190).

Thereafter, the server may provide predetermined financial account opening history information (eg, the cyber account opening history, and / or the history of storing the cyber account opening request electronic document in the electronic document storage, and / or the storage medium 185). The details of storing the cyber account opening application information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on a financial system 190 provided on the cyber account opening system (or associated with the cyber account opening system), In this case, the storage medium 185 may be a ledger D / B 195 provided in a DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 185 is provided on (or associated with) the cyber account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 197 on the cyber account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 190 linked to the counter terminal through the financial network, cyber for managing a financial transaction generated through a cyber account through a liquidity account In order to open an account, a cyber account opening application form including at least one of customer information, financial product information, and available merchant information may be prepared and submitted, and the financial institution may establish a cyber account in a face-to-face manner based on the cyber account opening application form. The system configuration for opening and processing, specifically, the customer fills out the cyber account opening application When submitting to the counter, the terminal acquires predetermined image contents corresponding to the cyber account opening application through a predetermined image acquisition device and inputs cyber account opening application information corresponding to the cyber account opening application (or After the selection, and transmitting the image content and the cyber account opening application information to the financial institution server 100, the financial institution server 100 includes at least one of the customer information, financial product information, available merchant information. It shows an implementation method of opening and processing the cyber account based on the cyber account opening application information.

Those skilled in the art to which the present invention pertains, various implementations of registering the cyber account opening application information to the financial company server 100 at the window terminal by referring to and / or modified in the drawings 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the cyber account opening application and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 7A and 7B including the process of generating and storing the electronic document, the window terminal acquires predetermined image contents corresponding to the cyber account opening application through a predetermined image obtaining device. In addition, the user interface for inputting (or selecting) cyber account opening application information corresponding to the cyber account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, financial product information, and available merchant information transmitted to the financial company server 100 are referred to as "cyber account opening application information" for convenience.

Referring to FIGS. 7A and 7B, a cyber account opening application including at least one of customer information, financial product information, and available merchant information for managing a financial transaction generated through a cyber account by a customer through a liquidity account When the payment is made and submitted, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network, and connects a predetermined communication channel to the bank terminal. When requesting a user interface for managing a transaction through a liquidity account (700), in response, the server inputs (or selects) cyber account opening application information corresponding to the cyber account opening application written by the customer in the terminal. Predetermined corresponding to the cyber account opening application through a predetermined image acquisition device A user interface for obtaining and transmitting image content to the server is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) cyber account opening application information including at least one of the customer information, financial product information, and available merchant information through the user interface (715).

If the cyber account opening request information including at least one of the customer information, the financial product information, and the available merchant information is input (or selected) through the user interface (720), the terminal is determined based on the user interface. An image content corresponding to the cyber account opening application is obtained through the image acquisition device of the controller 725.

If image content corresponding to the cyber account opening application is obtained through the image acquisition device (730), the terminal transmits the cyber account opening application information and image content to the server through the financial network (735). .

Thereafter, the server receives and reads cyber account opening request information including at least one of the customer information, financial product information, and available merchant information through the financial network to confirm the validity of the cyber account opening request information. (740).

According to an embodiment of the present invention, the validation of the cyber account opening application information is matched with the cyber account opening application information in the ledger D / B 195 on the financial system 190 linked to the cyber account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the verification of the validity of the cyber account opening request information includes a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the cyber account opening request information is linked to the cyber account opening system ( It is preferable to include a match with the customer ledger stored in the ledger D / B (195) on the 190.

In addition, the verification of the validity of the cyber account opening application information is the information contained in the cyber account opening application information, the financial product information associated with the cyber account opening system of the financial system 190 (or product information system (city) It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

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

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

According to an embodiment of the present invention, the server is a liquidity of the financial transaction generated through the cyber account as it is the image file including the image content received from the terminal device 197 through the image receiving unit 120 It is preferable to process a cyber account opening electronic document for managing through an account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. Apply for opening a cyber account for managing a financial transaction generated through the cyber account through an image file corresponding to the image content including at least one or more information of available merchant information in a watermarking manner It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (for example, a Portable Document Format (PDF) file) including the image content received from the terminal device 197 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby providing liquidity for financial transactions generated through the cyber account. It is desirable to generate an electronic document for cyber account opening for management through an account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. Generating an image content including at least one or more pieces of available merchant information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for application for cyber account opening for management.

According to another embodiment of the present invention, the server is the image content received from the terminal device 197 through the image receiving unit 120 and the cyber account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a cyber account opening application electronic document for managing a financial transaction generated through the cyber account through a liquidity account.

Alternatively, the server may include customer information and financial product information included in the cyber account opening request information received through the information receiver 115 in the image content received from the terminal device 197 through the image receiver 120. And generating an image content including at least one or more information of available merchant information by a watermarking method, and a predetermined document file (eg, PDF (including PDF) including the generated image content and the cyber account opening request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for cyber account opening for managing financial transactions through liquidity accounts. The.

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

Thereafter, the server stores the generated cyber account opening request electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the cyber account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated cyber account opening request electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180).

Alternatively, when the electronic document storage is provided on a DBMS provided in the cyber account opening system, the server sends the generated cyber account opening request electronic document to an electronic document storage on a DBMS provided in the cyber account opening system. It is possible to store in the corresponding electronic document D / B 180, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the cyber account opening request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated cyber account opening request electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (180).

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

The electronic document management information may further include financial institution information that transmits the cyber account opening request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for creating a cyber account opening application corresponding to the image content, and / or financial institution information for transmitting the cyber account opening application electronic document, and And / or the electronic document file format information, and / or the cyber account opening application information).

If the cyber account opening request electronic document is stored in the electronic document storage (765), the server is the cyber account information based on the customer information, financial product information, available merchant information included in the cyber account opening application information Generate (770).

Herein, the cyber account information may include an account number and an interest rate information corresponding to the cyber account opened based on the cyber account opening application information. It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 190 to finance the customer's name including the cyber account information based on the customer information, financial product information, and available merchant information included in the cyber account opening application information. The account is opened (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the cyber account opening application information in association with the financial system 190 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the cyber account information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the cyber account opening application information. It is characterized in that the opening of a predetermined financial account for managing the financial transaction generated through the cyber account through the liquidity account.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the cyber account information to the ledger D / B 195 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 195 on the other financial system 190 to generate a predetermined ledger including the cyber account information through the external system.

Thereafter, the server generates and stores the cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening request information. Save to Medium 185 (780)

According to an exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be configured as the storage medium 185. Storing cyber account information in the storage medium 185 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 185 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 155 may be Storing the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one account attribute information in the storage medium 185. It is desirable to.

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 190, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. It is preferable to store in the DBMS provided on (190).

According to another embodiment of the present invention, when the storage medium 185 is provided in the DBMS provided on the financial system 190, the information storage unit 155 is included in the received cyber account opening application information. The financial system by providing the customer information about the liquidity account linked to the cyber account and the liquidity account information including at least one or more account attribute information to the information system through the external system on the financial system 190. It is preferable to store in the DBMS provided on 190).

Thereafter, the server sets predetermined financial account opening history information (eg, the cyber account opening history, and / or the details of storing the cyber account opening request electronic document in the electronic document storage, and / or the storage medium 185). (Or a history of storing the cyber account opening application information) is generated (or extracted) and transmitted to the terminal (785).

According to one embodiment of the invention, the storage medium 185 is preferably provided in a DBMS on a financial system 190 provided on the cyber account opening system (or associated with the cyber account opening system), In this case, the storage medium 185 may be a ledger D / B 195 provided in a DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 195. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 185 is provided on (or associated with) the cyber account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face cyber account opening system for managing a financial transaction generated through a cyber account through a liquidity account according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides cyber account opening application information including at least one predetermined customer information, financial product information, and available merchant information through a predetermined financial account opening interface to the financial institution, The cyber institution opens a cyber account for managing a financial transaction generated through the cyber account based on the cyber account opening application information through a liquidity account, and sets cyber account information for managing the cyber account. As a system configuration for storing in the storage medium 880, those skilled in the art to which the present invention pertains, liquidity account for financial transactions generated through cyber accounts by referring to and / or modifying this figure 8 Various implementation methods of cyber account opening system for management through Would be chuhal, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may establish a cyber account by omitting and implementing a method of storing the cyber account opening application electronic document in the electronic document repository by referring to and / or modifying the drawing 8. The system configuration may be inferred, and the DBMS in which the electronic document storage is located in the cyber account opening system, in addition to the implementation method shown in FIG. 8, may be stored even when the cyber account opening electronic document is stored in the electronic document storage. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the cyber account opening request electronic document is illustrated as being generated on the server side on the cyber account opening system, but the present invention is not limited thereto. The cyber account opening request electronic document may be generated on the terminal side which inputs (or selects) the cyber account opening request information (for example, the electronic document generation function provided on the server side is provided on the terminal side and thus the cyber side is generated.) Create an account opening request electronic document), by which the present invention is not limited.

In addition, electronic money may be deposited in the cyber account, or an amount corresponding to the electronic money may be deposited, whereby the present invention is not limited thereto.

In addition, as illustrated in FIG. 8, the financial transaction generated through the cyber account using the cyber account is illustrated as being managed through the liquidity account, but the present invention is not limited thereto. The cyber account may be a cyber account, whereby the present invention is not limited.

In addition, the liquidity account may be opened at the same time when the cyber account is opened and connected in a relational manner, and the cyber account may be opened after the liquidity account is opened first, and the present invention is not limited thereto.

In addition, the cyber account may be a virtual account having a liquidity account linked to the cyber account as a parent account, and the present invention is not limited thereto.

In addition, the liquidity account may be a virtual account having a cyber account linked to the liquidity account as a parent account, and the present invention is not limited thereto.

Herein, the electronic money is preferably an electronic money value of 1: 1 that the electronic money deposited in the cyber account is available through a predetermined affiliate store.

For example, if the electronic money corresponding to one million won is deposited in the cyber account, the customer who owns the cyber account can use it through at least one affiliated store affiliated with a financial institution where the cyber account is opened within the limit of one million won. (I.e., all electronic money worth 1 million won is used at a particular merchant, or 500,000 won out of 1 million won is used as electronic money at the merchant, and the other electronic money corresponding to 500,000 won is used through another merchant) Is preferred.

In addition, the electronic money is an amount that can be exchanged for the electronic money is deposited in the cyber account, when using the electronic money through the cyber account, it is preferable to provide the exchange money to the electronic money.

For example, if an amount corresponding to 1.1 million won of electronic money is deposited in the cyber account, when 550,000 won of electronic money is withdrawn (or used) through the cyber account, 500,000 won of the amount deposited in the cyber account is deposited. It is preferable to withdraw the money and the exchange rate is 10%.

Hereinafter, the cyber account opening application information is received from the customer through a predetermined financial account opening interface on the cyber account opening system shown in FIG. 8 so that the customer opens the cyber account, and the predetermined cyber corresponding thereto. Components corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository are referred to as "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a cyber account opening system for managing a financial transaction generated through the cyber account through a liquidity account includes at least one wired terminal and / or a wireless terminal used by a customer. And a terminal device 895 including at least one or more client terminals, etc., wherein the terminal device 895 is a financial company server provided on the cyber account opening system through a predetermined network means. The communication channel 800 is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Inputting (or selecting) cyber account opening application information for managing a financial transaction generated through the cyber account through the at least one user interface provided by the financial institution server 800 through the liquidity account, the client terminal predetermined It is preferable to transmit to the financial institution server 800 provided on the cyber account opening system through the network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 895 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network may include all terminal devices 895 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 895 connected to an x-based portable Internet and / or all terminal devices 895 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

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

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

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

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

In the cyber account opening system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial institution server 800, and And / or the wireless communication network performs a function of a financial account opening interface for registering the cyber account opening application information for the customer to manage the financial transaction generated through the cyber account through the liquidity account.

According to another exemplary embodiment of the present invention, the terminal device 895 may, in addition to the client terminal, have an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the cyber account opening system as described above, when the terminal device 895 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( A financial network connecting 800 performs a function of a financial account opening interface for registering the cyber account opening application information for the customer to manage a financial transaction generated through the cyber account through a liquidity account, and / or When the terminal device 895 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 may be used. Opening a financial account to register cyber account opening application information for the customer to manage a financial transaction generated through the cyber account through a liquidity account And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal apparatus 895, and / or the terminal (and / or server) ( City and network connecting the terminal (and / or server) (not shown) and the financial institution server 800, the cyber account for the customer to manage the financial transactions generated through the cyber account through a liquidity account Function to open financial account opening interface for registering application information.

The storage medium 880 provided on the cyber account opening system according to the present invention includes the customer information, account attribute information, available merchant information, included in the cyber account opening application information provided from the terminal device 895, And storing cyber account information including at least one of liquidity account information and inter-account discount information.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (eg, an account capable of generating funds such as funds, savings, savings, etc.) (for example, interest from fund investment, savings or savings account). A portion (or the total amount) or the principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.) and on the financial system 885 corresponding to the institution by subscribing to the electronic money user organization using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 885 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. When the discount rate is set at 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1 million won used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

According to an embodiment of the present invention, the storage medium 880 is preferably provided in a DBMS on a financial system 885 provided on the cyber account opening system (or associated with the cyber account opening system), In this case, the storage medium 880 may be a ledger D / B 890 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 890. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 880 is provided on (or associated with) the cyber account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial institution server 800 provided on the cyber account opening system according to the present invention is a generic term for the components of the cyber account opening system connected to the terminal device 895 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 895 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided on the internet banking server, and / or a predetermined access to the external system of the financial system 885 via the internet banking system. A foreign system on the financial system 885 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system 885, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 895 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is connected to the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 885 via the wireless banking system. A server provided in the external system on the financial system 885, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external world on the financial system 885, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 895 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 may be connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the banking system 885 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 885, and / or a program provided in the external system on the financial system 885, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 895 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 may be connected to the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 885 via the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 885 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 885, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the financial institution server 800 may include an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 895 through the network means.

According to an embodiment of the present invention, when the terminal device 895 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

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

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

According to another exemplary embodiment of the present invention, when the terminal device 895 is a financial automation device connected to a predetermined financial network, the interface unit 805 may perform the financial automation based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 895 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to a WAP (12ireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (12ireless Markup Language) compliant webpage, or an HTML compliant webpage) and / or information using a WAP / ME protocol defined in the browser program. .

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

According to another exemplary embodiment of the present invention, when the terminal device 895 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another exemplary embodiment of the present invention, when the terminal device 895 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when the predetermined terminal device 895 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 may be connected to the financial account server 800 through the cyber account. Generate at least one user interface for inputting (or selecting) predetermined cyber account opening application information from the terminal device 895 to manage the generated financial transaction through a liquidity account and transmitting it to the financial institution server 800. And an interface providing unit 810 for providing the generated (or extracted) user interface to the terminal device 895 in association with the interface unit 805 and the terminal device 895. When the cyber account opening request information is input (or selected) through a user interface and transmitted, the terminal device 895 is transmitted from the terminal device 895 in association with the interface unit 805. And an information receiver 815 for receiving the cyber account opening request information.

The interface provider 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then connects the cyber account to the financial institution server 800. When requesting a user interface for managing a financial transaction through a liquidity account, the terminal device 895 inputs (or selects) predetermined cyber account opening application information through the network means to the financial company server 800. Generate at least one user interface to transmit to the network means, and / or extract from a predetermined database (not shown), and link the generated means (or extracted) with the interface unit 805 to the network means. It is characterized in that provided through the terminal device (895).

According to an embodiment of the present invention, when the terminal device 895 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 895 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 provides the financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 895 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 895 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 805 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 895 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is configured to provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined cyber account opening application information to the terminal device 895 and transmitting it to the financial institution server 800 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined cyber account opening application information and transmitting it to the financial institution server 800 as described above. The interface providing unit 810 provided to the device 895 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 895 inputs (or selects) cyber account opening application information including at least one of the customer information, financial product information, and available merchant information through the user interface, and inputs (or selects) the information. The cyber account opening request information is transmitted to the financial institution server 800 through the network means. In response thereto, the information receiving unit 815 is transmitted from the terminal device 895 in association with the interface unit 805. Characterized in that for receiving the cyber account opening application information.

According to an embodiment of the present invention, the terminal device 895 may open the cyber account at the financial company server 800 in the cyber account opening application information including at least one of the customer information, the financial product information, and the available merchant information. At least one or more of a predetermined password and / or security card information for confirming the validity of the application information and / or an OTP code generated through a predetermined one time password (OTP) generator; It is preferable to transmit to the financial institution server (800).

According to an embodiment of the present invention, the terminal device 895 may include at least one encryption method (eg, based on a symmetric key) for cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or a predetermined electronic signature is applied to the cyber account opening request information. In addition, it is preferable to transmit to the financial institution server 800 through the network means, for this purpose, the terminal device 895 is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one or more A predetermined certificate including an encryption key is provided, and / or the certificate is a predetermined IC chip ( Preferably, if provided in the IC card), which is provided with the IC chip (or a card reader for identifying the certificate provided in the IC card).

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

Referring to FIG. 8, when the cyber account opening request information transmitted from the terminal device 895 is received through the information receiving unit 815, the financial institution server 800 receives the cyber account opening request information. It is characterized in that the financial transaction generated through the cyber account is provided with a validity check unit 820 for confirming that the validity for the management through the liquidity account.

According to an embodiment of the present invention, the cyber account opening request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the validity confirming unit 820 includes at least one decryption method (for example, a symmetric key based decryption method) corresponding to the encrypted cyber account opening request information; and And / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc., to validate the received cyber account opening application information.

Alternatively, when a predetermined electronic signature is attached to the cyber account opening request information, the validity checking unit 820 checks the electronic signature attached to the cyber account opening request information, thereby receiving the received cyber account opening request information. It is desirable to authenticate validity.

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

According to an embodiment of the present invention, if the cyber account opening request information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the cyber account opening request information, the validity checking unit In step 820, it is preferable to authenticate the validity of the received cyber account opening application information by comparing and authenticating a password included in the cyber account opening application information with a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the cyber account opening application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the cyber account opening application information, the validity checking unit 820. Is to verify the validity of the received cyber account opening application information by comparing and authenticating the received security card information included in the cyber account opening application information with the security card information provided corresponding to the customer on the DBMS. desirable.

Alternatively, when the cyber account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the cyber account opening request information, the validity confirming unit 820 may include: By comparing and verifying the received OTP code included in the cyber account opening request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received cyber account opening request information It is desirable to authenticate the validity of the.

According to the method of the present invention, the validation of the cyber account opening request information is matched with the cyber account opening request information on the ledger D / B 890 on the financial system 885 associated with the cyber account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the verification of the validity of the cyber account opening request information may include: a financial system in which the customer information (customer personal information, member information, etc.) is linked with the cyber account opening system, among the information included in the cyber account opening request information ( It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (890) on 885.

In addition, the verification of the validity of the cyber account opening request information includes the financial system 885 (or a product information system (or city) in which the financial product information is linked to the cyber account opening system among information included in the cyber account opening request information. It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

Referring to FIG. 8, when the validity of the cyber account opening request information is authenticated through the validity confirming unit 820, the financial institution server 800 includes a predetermined cyber account including the received cyber account opening request information. An electronic document generating unit 825 for generating an opening application electronic document, and an electronic document transmitting unit 830 for transmitting the generated cyber account opening application electronic document to an electronic document repository associated with the cyber account opening system; Characterized in that made.

The electronic document generating unit 825 generates a cyber account opening request electronic document including the cyber account opening request information received from the terminal device 895 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 includes at least one of customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including an MHT, etc.), the financial transaction generated through the cyber account may be processed as a cyber account opening application electronic document for managing through the liquidity account.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. The document content includes at least one or more of the customer information, the financial product information, and the available merchant information included in the cyber account opening request information in a 12atermarking manner, and then includes the watermarking document content. A document file (eg, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) ) As an electronic document for cyber account opening for managing financial transactions generated through the cyber account. It is preferable to process.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. And manage a financial transaction generated through the cyber account through the liquidity account for an image file including the image content captured by the document content (for example, the image content generated by capturing the document content on a memory). It is preferable to process the electronic account opening application for the electronic document.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. And the customer information, financial product information, and available merchant information included in the cyber account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content. After including at least one of the information in a watermarking (12atermarking) method, opening a cyber account for managing a financial transaction generated through the cyber account to the image file containing the image content including the watermarking through a liquidity account It is desirable to process the application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include at least customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. Generate a document content including one or more, and a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). A Document Format (EDI) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to treat financial transactions as electronic documents for cyber account opening for management through liquidity accounts.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. And the customer information, financial product information, and available merchant information included in the cyber account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content. Generating image content including at least one or more of the information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic Data) including the watermarking image content). Interchange) file, or a word processor file including at least one of HWP / DOC, or the like, or MHT. By generating a web document file, etc.), it is preferable to process the financial transaction generated through the cyber account as a cyber account opening application electronic document for management through the liquidity account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 stores customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. A predetermined content including document content including at least one document content and image content (eg, image content generated by capturing the document content on a memory) and the cyber account opening request information; By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) The electronic transaction for the opening of the cyber account for the management of the liquidity account for the financial transaction occurring through the cyber account is treated as an electronic document. It is preferable to.

Alternatively, the electronic document generation unit 825 generates document content including at least one of customer information, financial product information, and available merchant information included in the cyber account opening application information received through the information receiving unit 815. And the customer information, financial product information, and available merchant information included in the cyber account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content. A document file including at least one or more information of the watermarking method in a watermarking manner, the image file including the watermarking and the cyber account opening request information (for example, a PDF (Portable Document Format)); War that includes at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. By generating a deprocessor file, or a web document file including the MHT), it is preferable to process the financial transaction generated through the cyber account as a cyber account opening application electronic document for management through the liquidity account.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825 is a technical feature of generating a cyber account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the cyber account opening request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 830 transmits and stores the cyber account opening request electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the cyber account opening system. It is done.

As shown in FIG. 8, the electronic document repository is connected to the financial institution server 800 on the cyber account opening system through a predetermined communication means, and the predetermined electronic document server 855 and the electronic document D / B 875. When provided externally, the electronic document transmission unit 830 is the electronic document opening application electronic document generated by the electronic document generation unit 825 through the communication means through the electronic document server 855 It characterized in that the transmission to.

Here, when the electronic document server 855 and the electronic document D / B 875 is provided outside the cyber account opening system, the electronic document server 855 and the electronic document D / B 875 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the cyber account opening system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. The cyber account opening request electronic document can be stored in the electronic document D / B 875 corresponding to the electronic document storage on the DBMS provided in the cyber account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 830 inputs electronic document related information (eg, the cyber account opening request information) for generating predetermined electronic document management information in the electronic document server 855. (Optional) customer information transmitted, and / or financial institution information for transmitting the cyber account opening request electronic document, and / or electronic document file format information, and / or the cyber account opening request information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 is a liquidity account for the financial transaction that the cyber account opening application information received through the information receiving unit 815 is generated through the cyber account through the validity checking unit 820. When the validity for the management through the authentication is authenticated, an information generation unit 835 for generating the cyber account information based on the customer information, financial product information, and available merchant information included in the cyber account opening application information for which the validity is authenticated. ), A cyber account establishment unit 840 for opening and processing a cyber account of the customer's name including the cyber account information, and a liquidity account establishment unit 845 for opening and processing a liquidity account associated with the opened cyber account. It characterized by comprising a.

When the validity confirmation unit 820 confirms the validity of the cyber account opening application information, the information generation unit 835 includes customer information, financial product information, and available merchants included in the cyber account opening application information. The cyber account information is generated based on the information.

Herein, the cyber account information may include an account number and an interest rate information corresponding to the cyber account opened based on the cyber account opening application information. It is preferable that the subscription period, payment date and time and payment amount information are further included.

The cyber account opening unit 840 generates a customer ledger including the customer information included in the cyber account opening application information in connection with the financial system 885 (or matches a customer ledger provided with the customer information. And generating predetermined account ledger information including the cyber account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the cyber account opening application information. It is characterized by opening a cyber account.

According to an exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 885 exist in the same system, the cyber account opening unit 840 may be linked with the financial system 885 by the ledger D /. It is preferable to create a predetermined ledger in the B 890 including cyber account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 885 exist on another system connected through a predetermined communication means, the cyber account opening unit 840 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 885, to make a ledger D / B 890 on the other financial system 885 to generate a predetermined ledger including the cyber account information.

The liquidity account opening unit 845 checks a customer ledger matched with the customer information after the cyber account is opened in connection with the financial system 885 (or is matched with the cyber account) Check the ledger), generate predetermined ledger information including the liquidity account information, generate the ledger information in the predetermined ledger associated with the customer ledger, and then link with the ledger. By storing the account ledger information in a predetermined account ledger, a liquidity account for managing a financial transaction generated through the cyber account in response to the cyber account opening application information is opened.

According to an exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 885 exist in the same system, the liquidity account opening unit 845 may be linked with the financial system 885 by the ledger D /. It is desirable to create a predetermined ledger in B 890 that includes liquidity account information associated with the cyber account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 885 exist on another system connected through a predetermined communication means, the liquidity account opening unit 845 may perform a predetermined communication. To generate a predetermined ledger in the ledger D / B 890 on the other financial system 885 via the external world on the financial system 885, including a liquidity account information associated with the cyber account information. It is desirable to request.

Referring to FIG. 8, the financial institution server 800 is a liquidity account for the financial transaction that the cyber account opening application information received through the information receiving unit 815 is generated through the cyber account through the validity checking unit 820. If the validity for the management through the authentication is authenticated, at least one or more of the customer information and account attribute information, available merchant information, liquidity account information, the information between the account included in the cyber account opening application information is validated And an information storage unit 850 for storing the cyber account information in the predetermined storage medium 880.

In addition, when the electronic money is used through the opened cyber account, the financial institution server 800 uses the cash deposited in the predetermined account to apply the predetermined discount rate to the used electronic money. And an information storage unit 850 for storing the liquidity account information including at least one information and account attribute information in a predetermined storage medium 880.

When the validity of the cyber account opening request information is confirmed by the validity confirming unit 820, the information storage unit 850 includes the customer information, account attribute information, and available merchants included in the cyber account opening request information. Cyber account information including at least one of information, liquidity account information, inter-account discount information, customer information included in the cyber account opening request information, and customer information about a liquidity account linked to the cyber account corresponding to the cyber account information. And at least one liquidity account information including at least one account attribute information in the storage medium 880.

According to an exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 850 may be configured as the storage medium 880. Storing cyber account information in the storage medium 880 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial company server 800 or on the network associated with the financial company server 800, the information storage unit 850 is provided. The storage medium 880 stores the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one account attribute information. It is desirable to store.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 885, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. 885) is preferably stored in the DBMS provided on.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. The financial information system through the external system on the financial system 885 and the liquidity account information including at least one of the customer information, the liquidity account linked to the cyber account, and at least one account attribute information. 885) is preferably stored in the DBMS provided on.

Referring to FIG. 8, an electronic document that receives a predetermined cyber account opening request electronic document from the financial institution server 800 provided on the cyber account opening system and stores and manages the electronic document D / B 875 in a predetermined electronic document D / B 875. The server 855 includes an electronic document receiving unit 860 for receiving a predetermined cyber account opening request electronic document from the financial institution server 800 through a predetermined communication means, and the received cyber account opening request electronic document. An information generation unit 865 for generating predetermined electronic document management information for storing and managing in the document D / B 875, and the electronic document management information and the cyber account opening application electronic document are processed in a predetermined manner. And an electronic document storage unit 870 for storing in the document D / B 875.

The electronic document receiving unit 860 may receive a cyber account opening request electronic document in the form of an image file and / or a document file from the financial institution server 800 through the communication means.

According to an embodiment of the present invention, the cyber account opening request electronic document received by the electronic document receiving unit 860 through the communication means is opened by the financial institution server 800 from the terminal device 895. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document content including at least one or more of customer information, financial product information, and available merchant information included in the application information; or And a word processor file including at least one HWP / DOC or the like, or a web document file including the MHT.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the cyber account opening request information received by the financial institution server 800 from the terminal device 895. At least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information in document contents including at least one financial product information and available merchant information. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the cyber account opening request information received by the financial institution server 800 from the terminal device 895. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one financial product information and available merchant information. It is preferable.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the cyber account opening request information received by the financial institution server 800 from the terminal device 895. In the cyber account opening application information in image content (eg, image content generated by capturing the document content on a memory) including captured document content including at least one financial product information and available merchant information. After including at least one or more information of the customer information, financial product information, available merchant information available in a watermarking (12atermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the cyber account opening request electronic document received by the electronic document receiving unit 860 through the communication means is a cyber account received by the financial institution server 800 from the terminal device 895. Image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, financial product information, and available merchant information included in the application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the cyber account opening request information received by the financial institution server 800 from the terminal device 895. In the cyber account opening application information in image content (eg, image content generated by capturing the document content on a memory) including captured document content including at least one financial product information and available merchant information. A document file including at least one or more of the registered customer information, financial product information, and available merchant information in a watermarking manner, and including the watermarking image content (eg, PDF). (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. A document file or Web, and so on) that include the word-processor file, or MHT comprising at least preferably comprises.

According to another exemplary embodiment of the present invention, the cyber account opening request electronic document received by the electronic document receiving unit 860 through the communication means is a cyber received by the financial institution server 800 from the terminal device 895. Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and available merchant information included in the account opening application information. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) including at least one document file including the cyber account opening request information, or Web document file including MHT).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 860 through the communication means may include customer information included in the cyber account opening request information received by the financial institution server 800 from the terminal device 895. In the cyber account opening application information in image content (eg, image content generated by capturing the document content on a memory) including captured document content including at least one financial product information and available merchant information. Generate image content including at least one or more of the customer information, financial product information, and available merchant information by a 12atermarking method, and include image content including the watermarking and application information for opening a cyber account; Document files (e.g., Portable Document Format (PDF) files, or EDI (Electronic Data Intercha) nge) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 865 uses a predetermined electronic document unique number (or unique information) to be assigned to the cyber account opening request electronic document received through the electronic document receiving unit 860, and the electronic document receiving unit 860. And generating electronic document management information including electronic document storage date and time information including a date and time at which the cyber account opening request electronic document was received (or a date and time at which the cyber account opening request electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 865 opens the cyber account with reference to the financial institution server 800 that has transmitted the cyber account opening request electronic document received through the electronic document receiving unit 860. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 860, the information generating unit 865 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the cyber account opening request information) and / or financial institution information transmitting the cyber account opening request electronic document, and / or electronic document file format information, and And / or the electronic document management information further including the cyber account opening application information).

The electronic document storage unit 870 associates a cyber account opening request electronic document received through the electronic document receiving unit 860 with electronic document management information generated through the information generation unit 865 to process a predetermined electronic message. The document D / B 875 may be stored.

According to an exemplary embodiment of the present invention, the cyber account opening request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is the financial institution server 800 by the terminal device 895. A document file (eg, a Portable Document Format (PDF) file, or EDI (Electronic) file containing document content including at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information received from the information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the cyber document opening request stored in the electronic document D / B 875 by the electronic document storage unit 870 may be a cyber account opening request received by the financial institution server 800 from the terminal device 895. At least one of customer information, financial product information, and available merchant information included in the cyber account opening application information is included in document content including at least one of customer information, financial product information, and available merchant information included in the information. After including in a watermarking (12atermarking) method, at least a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content including the watermarking at least And at least one word processor file or web document file including MHT).

* Alternatively, the cyber account opening request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 may open a cyber account received by the financial institution server 800 from the terminal device 895. Image content captured (e.g., image content generated by capturing the document content on a memory) including document content including at least one of customer information, financial product information, and available merchant information included in the application information. It is preferable to include an image file.

Alternatively, the cyber document opening request stored in the electronic document D / B 875 by the electronic document storage unit 870 may be a cyber account opening request received by the financial institution server 800 from the terminal device 895. The cyber content is captured in image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, financial product information, and available merchant information included in the information. After including at least one or more of the customer information, financial product information, available merchant information included in the account opening application information in a watermarking (12atermarking) method, including an image file including the image content including the watermarking It is preferable to make.

According to another exemplary embodiment of the present invention, the cyber account opening request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is the financial institution server 800 of the terminal device 895. Image content (e.g., capturing the document content on a memory by capturing document content including at least one of customer information, financial product information, and available merchant information included in the cyber account opening application information received from A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, the cyber document opening request stored in the electronic document D / B 875 by the electronic document storage unit 870 may be a cyber account opening request received by the financial institution server 800 from the terminal device 895. The cyber content is captured in image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, financial product information, and available merchant information included in the information. Generating image content including at least one or more of customer information, financial product information, and available merchant information included in the account opening application information by a watermarking method, and including the image content including the watermarking; At least a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) And at least one word processor file or web document file including MHT).

According to another exemplary embodiment of the present invention, the cyber account opening request electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is the financial institution server 800 in the terminal device ( Image content (e.g., capturing the document content in memory) that captures document content including at least one of customer information, financial product information, and available merchant information included in the cyber account opening request information received from 895). And at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including an image content generated by using the above information and the cyber account opening request information. A word processor file, or a web document file including MHT).

Alternatively, the cyber document opening request stored in the electronic document D / B 875 by the electronic document storage unit 870 may be a cyber account opening request received by the financial institution server 800 from the terminal device 895. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product information, and available merchant information included in the information. Generating image content including at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information by a watermarking method, and the image content including the watermarking and the A document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Inter) file containing the cyber account opening application information. change) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by processing the electronic document storage unit 870 in association with the cyber account opening request electronic document, opens the cyber account. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by processing the electronic document storage unit 870 in association with the cyber account opening request electronic document is the cyber account. The financial institution server 800 that has transmitted the opening application electronic document is preferably made to further include the financial institution information transmitting the cyber account opening application electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 870 processes the electronic document opening request electronic document in association with the electronic document opening application. The electronic document management information stored in the electronic document D / B 875 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the cyber account opening request information) and / or the cyber account. Financial institution information for transmitting the opening application electronic document, and / or the electronic document file format information, and / or the cyber account opening application information, etc.).

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

In more detail, in FIG. 9, the storage medium 880 illustrated in FIG. 8 is the ledger D / B 890 provided in the DBMS on the financial system 885 or the ledger D / B 890. In this case, the information structure for one embodiment of the cyber account information is stored in the ledger information provided in the ledger D / B (890), if the person having ordinary knowledge in the technical field to which the present invention belongs, While referring to and / or modifying this figure 9 may infer various information construction methods for storing the cyber account information in the ledger D / B 890, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 890 provided in the DBMS on the financial system 885 is linked with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the cyber account opening system shown in FIG. 8 and at least one information associated with the account ledger are included. If the person has, the ledger D / B 890 provided in the DBMS on the financial system 885 includes at least one ledger (for example, a ledger, loan ledger, mortgage ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since there is a read period, wherein the detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 9, the storage medium 880 is the ledger D / B 890, or includes an implementation method provided in the ledger D / B 890 according to an embodiment of the present invention. Cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening application information provided through the cyber account opening system shown in FIG. It is characterized in that stored in the form of additional information added to the account ledger.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (eg, an account capable of generating funds such as funds, savings, savings, etc.) (for example, interest from fund investment, savings or savings account). A portion (or the total amount) or the principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.) and on the financial system 885 corresponding to the institution by subscribing to the electronic money user organization using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 885 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. When the discount rate is set at 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1 million won used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

According to another embodiment of the present invention, the cyber account opening application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the above account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

10 illustrates a ledger D / B having a storage medium 880 for storing cyber account information corresponding to a cyber account opened in a non-face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system 885 ( 890 is a diagram illustrating an implementation method including a database associated with the method.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 880 illustrated in FIG. 8 includes a predetermined database linked to the ledger D / B 890 provided in the DBMS on the financial system 885. As shown in FIG. 10, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 10 and store the cyber account information in a predetermined database in the ledger D / B 890. It is possible to infer various information configuration methods for storing in association with the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the cyber account information in the ledger information of the ledger D / B 890 on the DBMS provided on the financial system 885 (for example, in the policy of a financial institution, the DBMS It is not easy to change the ledger D / B 890, or the system expansion is not easy due to the nature of the financial system 885). A method of storing account information and linking and storing the database and the ledger D / B 890 is illustrated.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 885 as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of a person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 10, the storage medium 880 includes a database associated with the ledger D / B 890 provided in a DBMS on a financial system 885. And storing cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening request information. Preferably, the information further includes a CIF number corresponding to the ledger information in the cyber account information in order to be linked to the ledger D / B 890.

* The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and depositing the cyber account. It is preferable to include at least one or more method information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.) and on the financial system 885 corresponding to the institution by subscribing to the electronic money user organization using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 885 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

11 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 880 for storing cyber account information corresponding to a cyber account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. Drawing.

More specifically, in Figure 11, the storage medium 880 shown in Figure 8 is a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified Although it is possible to infer an information construction method for cyber account information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 880 includes a DBMS provided in a banking server. Referring to FIG. 11, a predetermined DBMS provided in the banking server is the cyber account opening request information. And storing cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.) and on the financial system 885 corresponding to the institution by subscribing to the electronic money user organization using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

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). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 885 associated with the cyber account opening system in response to the customer. It is preferable to comprise as mentioned above.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

12A and 12B illustrate a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account in a non-face-to-face manner according to an exemplary embodiment of the present invention.

12A and 12B show a web in which a terminal device 895 on the cyber account opening system shown in FIG. 8 is a client terminal, and the financial institution server 800 is accessible to a client terminal through predetermined network means. In the case of having a server function, the customer information, financial product information, available merchants through the client terminal in order to open a cyber account for managing a financial transaction generated through a cyber account through a liquidity account. When the cyber account opening application information including at least one information is provided, the cyber account opening system is based on the cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. Financial transactions that occur through accounts can be transferred through liquidity accounts. An embodiment of the present invention relates to a method for opening and processing the cyber account for management. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 12a and 12b and the financial company at the client terminal. Various implementation methods of registering the cyber account opening application information with the server 800 may be inferred, but the present invention includes all the implementation methods inferred, and is limited to the implementation methods shown in FIGS. 12A and 12B. Not.

For example, although the implementation method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the cyber account opening request information and storing the electronic document in an electronic document storage, the process may be performed by the skilled person. As such, the present invention is not limited thereto.

12A and 12B provide a user interface through which the client terminal inputs (or selects) the cyber account opening request information through a predetermined web page provided by the financial institution server 800. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, and the present invention is not limited thereto.

In the following FIGS. 12A and 12B, the client terminal shown in FIG. 8 is referred to as a "clothing" terminal, and the financial institution server 800 shown in FIG. 8 is referred to as a "server" for convenience. The customer information, the financial product information, and the available merchant information transmitted to the financial company server 800 are referred to as "cyber account opening application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the cyber When requesting a web page including a user interface for managing a financial transaction occurring through an account through a liquidity account (1200), the server correspondingly at least one of the customer information, financial product information, available merchant information Web page including a user interface for inputting (or selecting) the cyber account opening request information included above and transmitted to the server Whether the generated (or extracted), and 1205, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station 1210.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the cyber account opening application information registration procedure. It is not limited.

Thereafter, the terminal inputs (or selects) the cyber account opening application information including at least one or more customer information, financial product information, and available merchant information through a user interface included in the web page (1215).

If the terminal inputs (or selects) cyber account opening application information including the customer information, financial product information, and available merchant information through the user interface (1220), the terminal receives the input through the communication channel. The customer information, financial product information, and available merchant information are transmitted (or selected) to the server (1225).

According to an embodiment of the present invention, the terminal checks the validity of the cyber account opening application information on the server to the cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) and the cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.) and / or attach a predetermined electronic signature to the cyber account opening request information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate included in the group IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) and cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If equipped, a card reader for confirming the official certificate provided in the IC chip (or IC card) To be preferred.

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

Thereafter, the server receives and reads the customer information, the financial product information, and the available merchant information through the communication channel to confirm the validity of the cyber account opening application information (1230).

According to an embodiment of the present invention, the cyber account opening request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted cyber account opening request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received cyber account opening application information.

Alternatively, when a predetermined electronic signature is attached to the cyber account opening request information, the server verifies the validity of the received cyber account opening request information by checking the electronic signature attached to the cyber account opening request information. It is preferable.

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

According to an embodiment of the present invention, when the cyber account opening request information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the cyber account opening request information, the server may be configured as described above. It is preferable to authenticate the validity of the received cyber account opening application information by comparing and authenticating the password included in the cyber account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the cyber account opening request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the cyber account opening request information, the server opens the cyber account. It is preferable to authenticate the validity of the received cyber account opening application information by comparing and authenticating the received security card information included in the application information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the cyber account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the cyber account opening request information, the server requests to open the cyber account. The validity of the received cyber account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validation of the cyber account opening request information is matched with the cyber account opening request information on the ledger D / B 890 on the financial system 885 associated with the cyber account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the verification of the validity of the cyber account opening request information may include: a financial system in which the customer information (customer personal information, member information, etc.) is linked with the cyber account opening system, among the information included in the cyber account opening request information ( It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (890) on 885.

In addition, the verification of the validity of the cyber account opening request information includes the financial system 885 (or a product information system (or city) in which the financial product information is linked to the cyber account opening system among information included in the cyber account opening request information. It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the cyber account opening request information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits the webpage to the terminal (1240), and performs the cyber account opening procedure. Do not perform.

On the other hand, if the validity of the cyber account opening request information is authenticated (1235), the server includes predetermined document content including at least one or more customer information, financial product information, and available merchant information including the cyber account opening request information. In operation 1250, a predetermined cyber account opening request electronic document including the document content is generated in operation 1250.

According to one embodiment of the present invention, the server generates document content including at least one or more customer information, financial product information, available merchant information included in the received cyber account opening application information, and the document content A document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to process the financial transaction generated through the cyber account as a cyber account opening application electronic document for management through the liquidity account.

Alternatively, the server may generate document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and the application information may be added to the cyber account opening request information. After including at least one or more of the included customer information, financial product information, available merchant information in a watermarking method (12atermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) ), Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic document for application for cyber account opening for management through.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. Processing an image file including (for example, image content generated by capturing the document content on a memory) into a cyber account opening application electronic document for managing a financial transaction generated through the cyber account through a liquidity account. desirable.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) by watermarking at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information. After the inclusion, the image file including the image content including the watermarking is preferably processed as a cyber account opening application electronic document for managing the financial transaction generated through the cyber account through the liquidity account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to open a cyber account for managing a financial transaction generated through the cyber account through a liquidity account. It is desirable to process the application electronic document.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) by watermarking at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; By generating a word processor file containing the document or a web document file containing the MHT). Cyber accounts opened for managing financial transactions through the account liquidity generated through the cyber account is preferable to apply processing to electronic documents.

According to another embodiment of the present invention, the server generates document content including at least one or more customer information, financial product information, available merchant information included in the received cyber account opening application information, the document A predetermined document file (e.g., a Portable Document Format (PDF) file) containing image content (e.g., image content generated by capturing the document content on a memory) and the cyber account opening request information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) to generate a liquidity account for a financial transaction generated through the cyber account. It is preferable to process the electronic document for application for cyber account opening for management through.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) by watermarking at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP) including image content including the watermarking and the cyber account opening request information; Word processor files containing at least one of / DOC, etc., or a web containing MHT By generating a document file, etc., it is preferable to process the financial transaction generated through the cyber account as a cyber account opening application electronic document for management through the liquidity account.

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

Thereafter, the server stores the generated cyber account opening request electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 connected to a server on the cyber account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated cyber account opening request electronic document to the electronic document server 855 via the communication means to store in the electronic document D / B (875).

Alternatively, when the electronic document storage is provided on a DBMS provided in the cyber account opening system, the server sends the generated cyber account opening request electronic document to an electronic document storage on a DBMS provided in the cyber account opening system. It is possible to store in the corresponding electronic document D / B 875, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the cyber account opening request electronic document in the electronic document storage is illustrated in FIG. 8 by linking the generated cyber account opening request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (875).

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

The electronic document management information may further include financial institution information that transmits the cyber account opening request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the cyber account opening request information and / or financial institution information transmitting the cyber account opening request electronic document). And / or the electronic document file format information, and / or the cyber account opening application information).

If the cyber account opening request electronic document is stored in the electronic document storage (1260), the server is the cyber account information based on the customer information, financial product information, available merchant information included in the cyber account opening application information Generates 1265.

Herein, the cyber account information may include an account number and an interest rate information corresponding to the cyber account opened based on the cyber account opening application information. It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 885 and finances the customer's name including the cyber account information based on the customer information, financial product information, and available merchant information included in the cyber account opening application information. The account is opened (1270).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the cyber account opening application information in association with the financial system 885 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the cyber account information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the cyber account opening application information. It is characterized in that the opening of a predetermined financial account for managing the financial transaction generated through the cyber account through the liquidity account.

According to an embodiment of the present invention, when the server and the financial system 885 exist in the same system, the server transmits the cyber account information to the ledger D / B 890 in association with the financial system 885. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 885 exist on another system connected through a predetermined communication means, the server is connected to the financial system 885 through a predetermined communication means. It is preferable to request the general ledger D / B 890 on the other financial system 885 to generate a predetermined ledger including the cyber account information through the external system.

Thereafter, the server generates and stores the cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening request information. Store in medium 880 (1275)

According to an exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 850 may be configured as the storage medium 880. Storing cyber account information in the storage medium 880 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 850 is provided. Storing the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one account attribute information in the storage medium 880. It is desirable to.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 885, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. 885) is preferably stored in the DBMS provided on.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. The financial information system through the external system on the financial system 885 and the liquidity account information including at least one of the customer information, the liquidity account linked to the cyber account, and at least one account attribute information. 885) is preferably stored in the DBMS provided on.

Thereafter, the server sets predetermined financial account opening history information (eg, the cyber account opening history, and / or the details of storing the cyber account opening request electronic document in the electronic document storage, and / or the storage medium 880). The details of storing the cyber account opening application information) are generated (or extracted) and transmitted to the terminal (1280).

According to an embodiment of the present invention, the storage medium 880 is preferably provided in a DBMS on a financial system 885 provided on the cyber account opening system (or associated with the cyber account opening system), In this case, the storage medium 880 may be a ledger D / B 890 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 890. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 880 is provided on (or associated with) the cyber account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C illustrate a cyber account opening process for managing a financial transaction generated through a cyber account through a liquidity account according to one embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case where the cyber account opening system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the cyber account opening shown in FIG. 8). In the case where the financial institution server 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits a predetermined cyber account opening application information to the internet banking server to open a cyber account for managing a financial transaction generated through the cyber account through a liquidity account, the internet banking server Between at least one of the customer information, financial product information, available merchant information The present invention relates to an implementation method of opening and processing the cyber account for managing the financial transaction generated through the cyber account based on the account opening application information. However, various implementation methods for registering the cyber account opening application information through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 13a, 13b, and 13c may be inferred. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering cyber account opening application information between the client terminal and the internet banking server based on the browser program is illustrated, the present invention has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C. Terminal and internet Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering cyber account opening application information between king servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transactions channels for cyber account opening application information registration. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

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

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

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

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for internet banking, and / or update the security module Check whether or not (1310a).

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

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

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

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for cyber account opening application information registration. Attach certain electronic signatures to information (or data) to be provided and / or at least When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

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

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

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

After that, the terminal inputs (or generates) predetermined customer authentication data according to the request, and digitally signs and / or encrypts the data through the security module to be transmitted to the server (and / or authentication server). Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal based on the customer authentication data received from the terminal as an Internet banking customer for non-face-to-face channel-based financial transactions (1345a).

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

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel that can register and register predetermined cyber account opening application information for managing a financial transaction generated through a cyber account from the terminal to the server through a liquidity account.

Subsequently, when the terminal requests a web page including a user interface for managing a financial transaction generated through the cyber account to the server through an internet banking-based financial transaction channel (1300b), The server generates (or selects) a web page including a user interface for inputting (or selecting) cyber account opening request information including at least one of the customer information, financial product information, and available merchant information and transmitting the same to the server. Extraction (1305b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) cyber account opening application information including at least one of customer information, financial product information, and available merchant information on the terminal. Preferably, and / or predetermined password and / or security card information (e.g., security issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the cyber account opening application information. Security card information printed on the card) and / or one time password (OTP) (e.g., through an internet banking application process (or after an internet banking application) through an OTP authenticator (or OTP certification program) provided to a customer by a financial institution. Preferably a one-time password).

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

Thereafter, the terminal inputs (or selects) cyber account opening application information including at least one of the customer information, the financial product information, and the available merchant information through the financial account opening interface (1315b).

If the terminal inputs (or selects) cyber account opening application information including the customer information, financial product information, and available merchant information through the user interface (1320b), the terminal receives the financial transaction channel. The input (or selected) cyber account opening application information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal checks the validity of the cyber account opening application information on the server to the cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) and cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.) and / or attach a predetermined electronic signature to the cyber account opening request information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key And / or when the official certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate included in the group IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) and cyber account opening application information including at least one of the customer information, financial product information, and available merchant information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If equipped, a card reader for confirming the official certificate provided in the IC chip (or IC card) To be preferred.

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

Thereafter, the server receives and reads the cyber account opening request information through the financial transaction channel and checks the validity of the cyber account opening request information (1330b).

According to an embodiment of the present invention, the cyber account opening request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted cyber account opening request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received cyber account opening application information.

Alternatively, when a predetermined electronic signature is attached to the cyber account opening request information, the server verifies the validity of the received cyber account opening request information by checking the electronic signature attached to the cyber account opening request information. It is preferable.

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

According to an embodiment of the present invention, when the cyber account opening request information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the cyber account opening request information, the server may be configured as described above. It is preferable to authenticate the validity of the received cyber account opening application information by comparing and authenticating the password included in the cyber account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the cyber account opening request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the cyber account opening request information, the server opens the cyber account. It is preferable to authenticate the validity of the received cyber account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the cyber account opening request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the cyber account opening request information, the server requests to open the cyber account. By comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, the validity of the received cyber account opening application information is verified. It is desirable to authenticate.

According to the method of the present invention, the validation of the cyber account opening request information is matched with the cyber account opening request information on the ledger D / B 890 on the financial system 885 associated with the cyber account opening system. It is preferable to include checking whether at least one ledger information is registered.

For example, the verification of the validity of the cyber account opening request information may include: a financial system in which the customer information (customer personal information, member information, etc.) is linked with the cyber account opening system, among the information included in the cyber account opening request information ( It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (890) on 885.

In addition, the verification of the validity of the cyber account opening request information includes the financial system 885 (or a product information system (or city) in which the financial product information is linked to the cyber account opening system among information included in the cyber account opening request information. It is preferable to include whether or not match with the financial product information stored in the financial product D / B (not shown) on).

If the validity of the cyber account opening request information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits the webpage to the terminal (1340b), and the cyber account opening procedure Do not do it.

On the other hand, if the validity of the cyber account opening request information is authenticated (1335b), the server includes predetermined document content including at least one or more customer information, financial product information, and available merchant information including the cyber account opening request information. Generate (1345b) and generate a predetermined cyber account opening application electronic document including the document content (1350c).

According to one embodiment of the present invention, the server generates document content including at least one or more customer information, financial product information, available merchant information included in the received cyber account opening application information, and the document content A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the financial transaction generated through the cyber account as a cyber account opening application electronic document for management through the liquidity account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and the cyber account opening request information on the document content. After including at least one or more information of the customer information, financial product information, available merchant information included in the watermarking method (12atermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document) Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process a cyber account opening electronic document for managing through an account.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. It is preferable to process an image file including (e.g., image content generated by capturing the document content on a memory) into a cyber account opening application electronic document for managing a financial transaction generated through the cyber account through a liquidity account. Do.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) by watermarking at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information. After the inclusion, the image file including the image content including the watermarking is preferably processed as a cyber account opening application electronic document for managing the financial transaction generated through the cyber account through the liquidity account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to open a cyber account for managing a financial transaction generated through the cyber account through a liquidity account. It is desirable to process the application electronic document.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. (E.g., image content generated by capturing the document content in memory) at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information is 12atermarked. At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; By generating a word processor file including the above, or a web document file including the MHT). Cyber accounts opened for managing financial transactions through the account liquidity generated through the cyber account is preferable to apply processing to electronic documents.

According to another embodiment of the present invention, the server generates document content including at least one or more customer information, financial product information, available merchant information included in the received cyber account opening application information, the document A predetermined document file (e.g., a Portable Document Format (PDF) file) containing image content (e.g., image content generated by capturing the document content on a memory) and the cyber account opening request information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) to generate a liquidity account for a financial transaction generated through the cyber account. It is preferable to process the electronic document for application for cyber account opening for management through.

Alternatively, the server generates document content including at least one of customer information, financial product information, and available merchant information included in the received cyber account opening request information, and captures the document content. (Eg, image content generated by capturing the document content on a memory) by watermarking at least one or more of customer information, financial product information, and available merchant information included in the cyber account opening application information. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP) including image content including the watermarking and the cyber account opening request information; Word processor files containing at least one of / DOC, etc., or a web containing MHT By generating a document file, etc., it is preferable to process a financial transaction generated through the cyber account as a cyber account opening application electronic document for management through a liquidity account.

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

Thereafter, the server stores the generated cyber account opening request electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 connected to a server on the cyber account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated cyber account opening request electronic document to the electronic document server 855 via the communication means to store in the electronic document D / B (875).

Alternatively, when the electronic document storage is provided on a DBMS provided in the cyber account opening system, the server sends the generated cyber account opening request electronic document to an electronic document storage on a DBMS provided in the cyber account opening system. It is possible to store in the corresponding electronic document D / B 875, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the cyber account opening request electronic document in the electronic document storage is illustrated in FIG. 8 by linking the generated cyber account opening request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (875).

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

The electronic document management information may further include financial institution information that transmits the cyber account opening request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the cyber account opening request information and / or financial institution information transmitting the cyber account opening request electronic document). And / or the electronic document file format information, and / or the cyber account opening application information).

If the cyber account opening request electronic document is stored in the electronic document storage (1360c), the server is the cyber account information based on the customer information, financial product information, available merchant information included in the cyber account opening application information. Generates 1365c.

Here, the cyber account information is preferably formed by including the account number and the interest rate information corresponding to the cyber account opened based on the cyber account opening application information, when the cyber account includes the savings attribute, It is preferable that the predetermined subscription period, payment date and time, and payment amount information is further included.

Thereafter, the server is linked to the financial system 885 and finances the customer's name including the cyber account information based on the customer information, financial product information, and available merchant information included in the cyber account opening application information. The account is opened (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the cyber account opening application information in association with the financial system 885 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the cyber account information, and store the ledger information in a predetermined ledger associated with the customer ledger, thereby responding to the cyber account opening application information. It is characterized in that the opening of a predetermined financial account for managing the financial transaction generated through the cyber account through the liquidity account.

According to an exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 850 may be configured as the storage medium 880. Storing cyber account information in the storage medium 880 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 850 is provided. Storing the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one account attribute information in the storage medium 880. It is desirable to.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 885, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. 885) is preferably stored in the DBMS provided on.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. The financial information system through the external system on the financial system 885 and the liquidity account information including at least one of the customer information, the liquidity account linked to the cyber account, and at least one account attribute information. 885) is preferably stored in the DBMS provided on.

Thereafter, the server generates and stores the cyber account information including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the cyber account opening request information. Store in medium 880 (1375c)

According to an exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 850 may be configured as the storage medium 880. Storing cyber account information in the storage medium 880 including at least one of the customer information, account attribute information, available merchant information, liquidity account information, and discount rate information between accounts included in the received cyber account opening application information. It is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 880 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 850 is provided. Storing the customer information included in the received cyber account opening request information, customer information on a liquidity account linked to the cyber account, and liquidity account information including at least one account attribute information in the storage medium 880. It is desirable to.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. By providing the account information through the external system on the financial system 885, the cyber system information including at least one or more of the customer information, account attribute information, available merchant information, liquidity account information, and inter-account discount information. 885) is preferably stored in the DBMS provided on.

According to another embodiment of the present invention, when the storage medium 880 is provided in a DBMS provided on the financial system 885, the information storage unit 850 is included in the received cyber account opening application information. The financial information system through the external system on the financial system 885 and the liquidity account information including at least one of the customer information, the liquidity account linked to the cyber account, and at least one account attribute information. 885) is preferably stored in the DBMS provided on.

Thereafter, the server sets predetermined financial account opening history information (eg, the cyber account opening history, and / or the history of storing the cyber account opening request electronic document in the electronic document storage, and / or the storage medium 880). (B) storing (or extracting) the cyber account opening application information) and transmitting it to the terminal (1380c).

According to an embodiment of the present invention, the storage medium 880 is preferably provided in a DBMS on a financial system 885 provided on the cyber account opening system (or associated with the cyber account opening system), In this case, the storage medium 880 may be a ledger D / B 890 provided in a DBMS on the financial system 885, and / or a predetermined database associated with the ledger D / B 890. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 880 is provided on (or associated with) the cyber account opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a face-to-face cyber account operating system for using electronic money deposited in a cyber account according to an embodiment of the present invention.

In more detail, Figure 14 shows at least one of cyber account information, electronic money amount information, and transaction authentication information for a predetermined customer to use electronic money deposited in the cyber account by a cyber account management system through a predetermined electronic money using interface. When the electronic money use request information is included, the cyber account information, the electronic money amount information, and the transaction authentication information included in the provided electronic money use request information are deposited in the cyber account. As a cyber account management system for using electronic money, those of ordinary skill in the art to which the present invention pertains, the cyber for using the electronic money deposited in the cyber account by referring to and / or modifying the drawing 14 Infer various ways of implementing account management system Would be, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, at least one or more means for processing the use of electronic money deposited in the cyber account using the electronic money use request information provided from the customer through a predetermined electronic money use interface on the cyber account operation system shown in FIG. And / or a component corresponding to the functional configuration is referred to as the "cyber account operation server 1400" for convenience, and the cyber account operation server 1400 in FIG. 14 providing the face-to-face electronic money service is at least one. It is preferable to include the account system on the financial system connected through the above-described teller terminal and a predetermined financial network, but FIG. 14 shows the cyber account operation server 1400 for convenience of explanation, the ledger between the teller terminal and the account system. Although illustrated as a server, the present invention is not limited thereto.

Referring to FIG. 14 according to an embodiment of the present invention, a cyber account operating system for using electronic money deposited in the cyber account includes a transaction request terminal 1440 including a teller terminal provided at at least one financial institution branch. ) Is connected to the transaction request terminal 1440 through the financial network (for example, the transaction network) to which the transaction request terminal 1440 is connected, and electronic money for use of electronic money deposited in the cyber account. A cyber account operating server 1400 for processing the use and the financial account opened through the financial account opening system shown in Figure 1 or 8 is characterized in that it comprises a financial system opened.

The financial system that processes the at least one electronic money using service through the cyber account opened through the financial account opening system shown in FIG. 1 or 8 in connection with the cyber account operation server 1400 is the financial institution. At least one or more window terminals provided at branches (and / or branches) of the branch office and a predetermined financial network (for example, the branch network), and through the terminal terminal for payment request customers using electronic money. Provide face-to-face electronic money service.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM Non-face-to-face use of electronic money to customers who request payment using electronic money through Global System for Mobile (PDA) terminals and / or PDAs (Personal Digital Assistants) and / or smart phones and / or telematics Provide service.

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

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face use of electronic money to customers who request payment using electronic money.

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 , Non-face-to-face use of electronic money to customers who request payment using electronic money through terrestrial DMB terminals.

Referring to FIG. 14, the financial system may be configured to open at least one financial account to a payment request customer using electronic money, and to be provided to a financial institution to provide at least one electronic money using service based on the financial account. A system comprising: an accounting system for processing window services such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing headquarters operations, branch office information support, and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face electronic currency means (e.g., internet banking, wireless banking) provided in at least one or more external communication networks. , IC chip based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to and / or various electronic money use interfaces through at least one common network (eg, CD common network, financial common network), and the financial system includes the financial system. An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, and / or customer information, etc.) required for each function in a component in the financial system; And / or DBMS (DataBase Management System) including at least one database for storing and managing management information.

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

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to the payment request customer using electronic money, and provides at least one electronic money using service based on the financial account. And at least one ledger D / B for storing at least one ledger for the at least one ledger, wherein the ledger D / B is at least one electronic money processing to be provided to the payment request customer using the electronic money. At least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The additional information is stored in association with each other in relation. Watch it characterized by comprising a predetermined account ledger corresponding to the cyber account opening through the financial account opening system shown in the figure 1 or figure 8.

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

According to the method of the present invention, the customer visits the financial institution branch to use the electronic money deposited in the cyber account, and accesses the cyber account through a window (or through a teller) provided at the financial institution branch. Complete a prescribed application for the use of the deposited electronic money (eg, a slip with a form for filling in at least one item of information for the use of the electronic money deposited in the cyber account) and send the completed application to the teller. Upon submission, the teller enters (or selects) the cyber account information, the electronic money amount information, and the transaction authentication information entered in the application through a predetermined teller terminal, and the teller terminal enters the input (or selects) the cyber. The electronic money use request information includes at least one of account information, electronic money amount information, and transaction authentication information. It is preferable to transmit to the cyber account management server 1400 provided on the cyber account management system through the fusion network.

Here, the transaction request terminal 1440 preferably comprises a window terminal used by the teller staff provided in the financial institution branch, the cyber account operation server 1400 connected to the window terminal is the predetermined financial system It is preferable that the ledger server is provided on the bank, the financial network connecting the teller terminal and the cyber account management server 1400 is connected to the communication channel between the teller terminal and the cyber account management server 1400 It is preferable to comprise a network.

In the cyber account management system as described above, an application form prepared by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the cyber account operating server 1400 are used by the customer. It performs a function of an electronic money use interface for registering electronic money use request information for use of electronic money deposited in an account.

The electronic money use request information transmitted from the transaction request terminal 1440 for using the electronic money deposited in the cyber account to the cyber account operation server 1400 may be a predetermined cyber account information and electronic money amount information. Characterized in that it comprises at least one or more authentication information.

The cyber account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the cyber account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the cyber account, a contact person code, etc.) may further include at least one or more.

The electronic money amount information includes the amount of electronic money used for payment processing for the product purchased by the customer by withdrawing from the cyber account to use the electronic money deposited in the cyber account. The money use amount does not exceed the balance (or withdrawable amount) deposited in the cyber account.

The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation for the use of the electronic money for the use of the electronic money deposited in the cyber account Information for the at least one of the password corresponding to the cyber account, or the use of the electronic money characterized in that it comprises at least one.

The cyber account management server 1400 provided on the cyber account management system according to the present invention is a generic term for the components of the cyber account management system connected to the transaction request terminal 1440 through a predetermined financial network. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the transaction request terminal 1440 is a window terminal connected to a predetermined financial network, the cyber account operation server 1400 is a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server provided on, and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system, whereby the present invention is limited. Not.

According to an embodiment of the present invention, the cyber account operation server 1400 is provided with an interface unit 1405 for connecting and managing the transaction request terminal 1440 and a predetermined communication channel through the financial network. It is done.

According to an exemplary embodiment of the present invention, when the transaction request terminal 1440 is a window terminal connected to a predetermined financial network, the interface unit 1405 may be connected to the window terminal based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in an electronic money use related program provided in the window terminal.

Referring to FIG. 14, the cyber account management server 1400 has a predetermined transaction request terminal 1440 connecting a communication channel with the cyber account management server 1400 through the interface unit 1405, and / or When the electronic money use request for the use of electronic money deposited in the cyber account is requested through the communication channel, inputs predetermined electronic money use request information in the transaction request terminal 1440 in conjunction with the interface unit 1405 ( Or an interface providing unit 1410 for generating (or extracting) a predetermined user interface for transmission to the transaction request terminal 1440, and the transaction request terminal 1440. In the case where a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1410 may be omitted.

The interface providing unit 1410 may allow a predetermined transaction request terminal 1440 to connect a communication channel with the cyber account management server 1400 through the interface unit 1405, and / or the cyber channel through the communication channel. When the electronic money use request for the use of electronic money deposited in the account is requested, the electronic money use request information is input (or selected) in response to the functional configuration provided in the transaction request terminal 1440 and the electronic money is used through the financial network. Creates a predetermined user interface that can be transmitted to the cyber account management server 1400, and / or extracted from a predetermined database (not shown), and the generated (or extracted) in conjunction with the interface unit 1405 It provides an interface to the transaction request terminal 1440 through the financial network.

According to an embodiment of the present invention, when the transaction request terminal 1440 is a window terminal connected to a predetermined financial network, the interface providing unit 1410 may be provided as an electronic money using program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface and provide the generated user interface to the window terminal through the interface unit 1405.

At least one user interface for inputting (or selecting) the electronic money use request information to the transaction request terminal 1440 and transmitting it to the cyber account operation server 1400 through the financial network according to another exemplary embodiment of the present invention. If a predetermined terminal-side banking program is provided, the interface providing unit 1410 for providing the user interface to the transaction request terminal 1440 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) electronic money use request information including at least one of cyber account information, electronic money amount information, and transaction authentication information. It is desirable to include an interface function to transmit to.

Referring to FIG. 14, the cyber account operation server 1400 requests the electronic money usage request including at least one of cyber account information, electronic money amount information, and transaction authentication information through the user interface at the transaction request terminal 1440. When the information is input (or selected) and transmitted, an information receiving unit receiving the electronic money request information including at least one of the cyber account information, the electronic money amount information, and the transaction authentication information in association with the interface unit 1405. 1415, a validity verification unit 1425 for verifying validity of the cyber account information, electronic money amount information, and transaction authentication information included in the received electronic money use request information; To use the electronic money deposited in the cyber account based on the validated electronic money request information. The electronic money use processing unit 1430 for processing electronic money use and the electronic money use processing unit 1430 generate predetermined electronic money use result information for electronic money use for use of electronic money deposited in the cyber account. And an information transmitter 1420 for transmitting the electronic money use result information to the transaction request terminal 1440 in association with the interface unit 1405.

The transaction request terminal 1440 inputs (or selects) electronic money use request information including at least one of the cyber account information, the electronic money amount information, and the transaction authentication information through the user interface, and transmits the information through the financial network. It is characterized in that the transmission to the cyber account management server 1400.

The information receiving unit 1415 inputs (or selects) electronic money request information including at least one of cyber account information, electronic money amount information, and transaction authentication information through the user interface at the transaction request terminal 1440. When transmitting through the financial network, the electronic money use request information is received in connection with the interface unit 1405, and provides the received electronic money use request information to the validity check unit 1425. .

The cyber account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the cyber account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the cyber account, a contact person code, etc.) may further include at least one or more.

The electronic money amount information includes the amount of electronic money used for payment processing for the product purchased by the customer by withdrawing from the cyber account to use the electronic money deposited in the cyber account. The money use amount does not exceed the balance (or withdrawable amount) deposited in the cyber account.

The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation for the use of the electronic money for the use of the electronic money deposited in the cyber account Information for the at least one of the password corresponding to the cyber account, or the use of the electronic money characterized in that it comprises at least one.

The validity confirming unit 1425 checks whether the electronic money use request information received from the transaction request terminal 1440 satisfies the validity for using the electronic money deposited in the cyber account.

According to an embodiment of the present invention, the validity check of the electronic money use request information is performed by the account ledger for the financial account corresponding to the cyber account information included in the electronic money use request information in the ledger D / B on the financial system. Or checking whether the customer ledger corresponding to the cyber account is provided. When the account ledger (or the customer ledger corresponding to the cyber account) is provided, the electronic money use request information is provided. It is desirable that the validity be authenticated.

In addition, the validity of the electronic money request information is the amount deposited in the cyber account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the cyber account) is the electronic money request information. It is preferable to include whether the amount is greater than the electronic money used amount included in, and when the cyber account balance is greater than the electronic money use amount, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, the verification of the validity of the electronic money use request information is the account ledger provided in the ledger D / B on the financial system in response to the cyber account and various passwords corresponding to the transaction authentication information included in the electronic money use request information And comparing the various passwords (or associated) with each other, and checking whether or not the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the money use request information is authenticated.

When the validity of the electronic money use request information is confirmed, the electronic money use processing unit 1430 is linked with a financial system equipped with an account ledger corresponding to the cyber account, the cyber account information included in the electronic money use request information. And withdrawing processing the electronic money deposited in the cyber account based on the electronic money amount information and the transaction authentication information, and using the electronic money corresponding to the electronic money processed in response to the electronic money use request information. The information is provided to the information storage unit 1435 for storing the information in the cyber account management ledger of the ledger D / B provided on the financial system associated with the cyber account management server 1400.

According to an embodiment of the present invention, the electronic money using processing unit 1430 corresponds to the electronic money amount information from the account ledger corresponding to the cyber account information included in the electronic money use request information in association with the financial system. It is desirable to withdraw the amount of money.

When the electronic money use for electronic money deposited in the cyber account is processed by the electronic money processing processor 1430, the information transmitting unit 1420 is linked with the electronic money processing processor 1430 to the cyber account. The electronic money use processing history including any one of electronic money use approval details or electronic money use error details for electronic money use for the use of electronic money deposited in the electronic money is generated, and the electronic device is linked with the interface unit 1405. The electronic money use result information including the money use processing history is transmitted to the transaction request terminal 1440 through the financial network.

Here, the electronic money use processing history is characterized in that it comprises the cyber account information and the electronic money amount information, characterized in that it further comprises an authorization code (or error code) for the electronic money use.

The electronic money use result information includes a protocol structure for transmitting the generated electronic money use processing history to the transaction request terminal 1440 through the financial network, and the electronic money use result information. The received transaction request terminal 1440 outputs a predetermined electronic money receipt including the electronic money use processing history included in the predetermined electronic money use result information.

When the electronic money use for electronic money deposited in the cyber account is processed by the electronic money use processing unit 1430, the information storage unit 1435 uses the electronic money used in response to the electronic money use request information. The details information is stored in the cyber account management ledger of the ledger D / B provided on the financial system associated with the cyber account management server 1400.

According to an embodiment of the present invention, at least one of a use date, a management number, a user institution, a transaction store, an electronic money use amount, an expected settlement date, and the like corresponding to the electronic money used and processed in response to the electronic money use request information Preferably, the electronic money usage information including the above information is stored in the cyber account management ledger of the ledger D / B provided on the financial system associated with the cyber account operation server 1400.

According to an embodiment of the present invention, the electronic money usage information stored in the cyber account management ledger of the ledger D / B provided on the financial system is linked to the cyber account operation server 1400 in addition to the ledger D / B. It may be stored in the D / B provided in at least one or more servers, by which the present invention is not limited.

15 is a view illustrating a ledger configuration corresponding to a cyber account provided in a financial system for using an electronic money in a face-to-face manner for using electronic money deposited in a cyber account according to an embodiment of the present invention.

More specifically, FIG. 15 corresponds to the cyber account opened through the system of opening a financial account shown in FIG. 1 or 8 in the ledger D / B 1500 provided in the DBMS on the financial system shown in FIG. As shown in FIG. 15, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 15 to finance the use of electronic money deposited in the cyber account. Various implementation methods for the ledger configuration corresponding to the cyber account provided in the system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1500 provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account associated with the customer ledger It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B 1500 provided in the main office maintains and maintains at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included to further understand and will be familiar with specific technical matters. A detailed description thereof will be omitted for convenience.

The customer ledger is a ledger including customer information corresponding to the cyber account for use of electronic money deposited in the cyber account, and includes a customer information file (CIF) number, a country code, a contact ID, a branch number, a customer classification, a customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account No., President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, and Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the cyber account for the use of electronic money deposited in the cyber account, which is linked to the customer ledger in a relational manner, account number, CIF number, point number, currency, opening date, status, product type. , Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, It includes at least one transaction number, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. (Months), period (days), period extension, maturity date and at least one target information including the target amount, and / or account number corresponding to the ledger, amount of trust, face value, pension And trust receipt information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, and a batch number corresponding to the account ledger. It includes transaction history information including at least one of, complex transaction, date of settlement, bank account line, summary, CIF and the like.

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

According to an embodiment of the present invention, the storage medium may be the ledger D / B 1500, or this drawing including the implementation method provided in the ledger D / B 1500. The addition of cyber account information including at least one of the customer information, account attribute information, and available merchant information included in the cyber account opening application information provided through the cyber account opening system shown in FIG. 8 is added to the account ledger. Characterized in that it is stored in the form of information.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.), and the customer is provided on the financial system in response to the institution by subscribing to the electronic money user organization using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

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). At least one or more member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the cyber account opening system in response to the customer It is preferable to make.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

According to another embodiment of the present invention, the cyber account opening application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

16 is a diagram illustrating a process of processing electronic money use for using electronic money deposited in a cyber account in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a case in which the cyber account operating server 1400 on the cyber account operating system illustrated in FIG. 14 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the counter terminal connects to the cyber account operation server 1400 and connects a communication channel for using the electronic money, the cyber account information and the electronic money amount to the cyber account operation server 1400 through the communication channel. When the electronic money use request information including information and transaction authentication information is transmitted, cyber account information, electronic money amount information, and transaction authentication information included in the received electronic money use request information are transmitted from the cyber account operation server 1400. The present invention relates to a method of processing the use of electronic money deposited in the cyber account using the present invention. Those skilled in the art may refer to and / or modify this drawing 16 to infer various implementation methods for processing electronic money use for the use of electronic money deposited in a cyber account in the face-to-face manner. As will be appreciated, the invention includes all implementations inferred above, and are not limited to the implementation illustrated in FIG.

In the following figure 16, the window terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the cyber account operation server 1400 shown in FIG. 14 is referred to as "server" for convenience.

Referring to FIG. 16, the terminal illustrated in FIG. 14 connects a communication channel for using at least one electronic money with the server through the financial network, and cyber account information for using electronic money deposited in the cyber account. And a user interface for inputting (or selecting) electronic money use request information including at least one electronic money amount information and transaction authentication information (1600).

Subsequently, a predetermined application (eg, at least one information item for using electronic money deposited in the cyber account) includes at least one of the cyber account information, electronic money amount information, and transaction authentication information from the customer. When the form is prepared and submitted), the terminal receives the electronic money request information including at least one of the cyber account information, electronic money amount information and transaction authentication information included in the application through the user interface. Input (or select) 1605 and transmit electronic money request information including at least one of the cyber account information, electronic money amount information, and transaction authentication information to the server through a financial network connecting the terminal and the server; (1615).

Here, the cyber account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, According to the intention of the person skilled in the art, customer information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the cyber account), financial institution information (eg, the bank name, or bank code), branch information (eg, , A branch code), and contact information (eg, name of a contact person who opened and is in charge of the cyber account, a contact code, etc.).

The electronic money amount information includes the amount of electronic money used for payment processing for the product purchased by the customer by withdrawing from the cyber account to use the electronic money deposited in the cyber account. The money use amount does not exceed the balance (or withdrawable amount) deposited in the cyber account.

The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation for the use of the electronic money for the use of the electronic money deposited in the cyber account Information for the at least one of the password corresponding to the cyber account, or the use of the electronic money characterized in that it comprises at least one.

Thereafter, the server receives and reads electronic money use request information including at least one of the cyber account information, electronic money amount information, and transaction authentication information through the financial network to confirm validity of the electronic money use request information. (1620).

According to an embodiment of the present invention, the validity check on the electronic money use request information may be performed on the financial account corresponding to the cyber account information included in the electronic money use request information in the ledger D / B 1500 on the financial system. It is preferable to include whether the account ledger (or customer ledger corresponding to the cyber account) is provided, and if the account ledger (or customer ledger corresponding to the cyber account) is provided, the electronic money use request It is desirable that the validity of the information be authenticated.

In addition, the validity of the electronic money request information is the amount deposited in the cyber account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the cyber account) is the electronic money It is preferable to include whether the amount is greater than the amount of electronic money included in the use request information, it is preferable that the validity of the electronic money use request information is authenticated when the cyber account balance is greater than the amount of the electronic money. .

In addition, the validity check of the electronic money use request information is provided in the ledger D / B 1500 on the financial system corresponding to various passwords and the cyber account corresponding to the transaction authentication information included in the electronic money use request information. Comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information are matched, wherein the various passwords corresponding to the transaction authentication information are matched. In this case, it is preferable that the validity of the electronic money use request information is authenticated.

If the validity of the electronic money use request information is not authenticated (1625), the server generates an electronic money use processing history including predetermined electronic money use error information corresponding to the validity error information (1630), The electronic money use result information including the electronic money use processing history is transmitted to the terminal through the financial network (1650), and correspondingly, the terminal prints an electronic money use receipt including the electronic money use processing history. Output (1655).

On the other hand, if the validity of the electronic money request information is authenticated (1625), the server is linked with the financial system equipped with an account ledger corresponding to the cyber account cyber account information and electronic information included in the electronic money request information Based on the money amount information and the transaction authentication information, the electronic money use for using the electronic money deposited in the cyber account is processed (1635).

According to an embodiment of the present invention, it is preferable that the server withdraws the amount corresponding to the electronic money amount information from the account ledger corresponding to the cyber account information included in the electronic money use request information in association with the financial system. Do.

If the electronic money use corresponding to the electronic money use request information is processed (1640), the server includes one of electronic money use approval information or electronic money use error information according to the electronic money use processing result. The electronic money use processing history is generated (1645), and the electronic money use result information including the electronic money use processing history is transmitted to the terminal through the financial network (1650), and the terminal correspondingly the electronic money. The electronic money receipt including the usage processing history is printed and output (1655).

Thereafter, the server includes electronic money usage history information corresponding to the electronic money processed in response to the electronic money use request information on the financial system associated with the cyber account operation server 1400 (D / B) It is stored in the cyber account manager of 1500) (1660).

According to an embodiment of the present invention, at least one of a use date, a management number, a user institution, a transaction store, an electronic money use amount, an expected settlement date, and the like corresponding to the electronic money used and processed in response to the electronic money use request information It is preferable to store the electronic money usage history information including the above in the cyber account management ledger of the ledger D / B 1500 provided on the financial system associated with the cyber account operation server 1400.

According to an embodiment of the present invention, the electronic money usage information stored in the cyber account manager of the ledger D / B 1500 provided on the financial system is the cyber account operation server in addition to the ledger D / B 1500. It may be stored in the D / B provided in at least one server associated with (1400), whereby the present invention is not limited.

17 is a diagram illustrating a non-face-to-face cyber account management system for using electronic money deposited in a cyber account according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates at least one of cyber account information, electronic money amount information, and transaction authentication information for a predetermined customer to use electronic money deposited in the cyber account by a cyber account management system through a predetermined electronic money using interface. When the electronic money use request information is included, the cyber account information, the electronic money amount information, and the transaction authentication information included in the provided electronic money use request information are deposited in the cyber account. As a cyber account management system configuration for processing the use of electronic money, those of ordinary skill in the art to which the present invention belongs, for the use of electronic money deposited in the cyber account by referring to and / or modified in the figure 17 Various ways of implementing cyber account management system Would be able, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 17.

Hereinafter, at least one or more means for processing the use of electronic money deposited in the cyber account using the electronic money use request information provided from the customer through a predetermined electronic money use interface on the cyber account operation system shown in FIG. 17. And / or a component corresponding to the functional configuration is referred to as a "cyber account operation server 1700" for convenience, and the cyber account operation server 1700 in FIG. 17 provides the non-face-to-face electronic money service. It is preferable to include all types of non-face-to-face banking servers including at least one of a banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 17 according to an embodiment of the present invention, a cyber account operating system for using electronic money deposited in the cyber account includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. A transaction request terminal 1740 including at least one; a network means corresponding to a wired and / or wireless communication network to which the transaction request terminal 1740 is connected; and the transaction request terminal 1740 through the network means. The cyber account opened through a cyber account operation server 1700 and a financial account opening system shown in FIG. 1 or FIG. 8 for processing electronic money use for using electronic money deposited in the cyber account. It is characterized by including the financial system.

The financial system that processes the at least one electronic money using service through the cyber account opened through the financial account opening system shown in FIG. 1 or 8 in connection with the cyber account operation server 1700 is the financial institution. Characterized in that connected to at least one or more window terminals provided at a branch (and / or branch) through a predetermined financial network (for example, our network), the payment request using at least one electronic money through the window terminal Provide face-to-face electronic money service to customers.

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or Provides a non-face-to-face electronic money use service to a payment request customer using at least one electronic money through a laptop, the wireless LAN / portable Internet connection and a browsing function, and / or a portable terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Payment using at least one electronic money through a System and / or a Global System for Mobile (GSM) terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics) Provide non-face-to-face electronic money service to requesting customers.

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

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

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face electronic money service to customers who request payment using at least one electronic money.

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 (E.g., terrestrial DMB terminal, etc.) to provide a non-face-to-face electronic money service to customers who request payment using at least one electronic money.

Referring to FIG. 17, the financial system opens at least one financial account to a payment request customer using at least one electronic money, and provides a financial institution with at least one electronic money using service based on the financial account. The computer system is provided, which includes an account system that processes a window service such as a credit or a reception or a trust or a foreign exchange occurring in at least one branch (or a window), information of a headquarters business, branch office information support, and customer information management. Systems, interconnections between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face electronic currency means (e.g., Internet banking, Wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) And an external system that provides access to the existing financial system and / or provides various electronic money use interfaces through at least one common network (eg, CD common network, financial common network). Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (for example, ledger information, and / Or a DBMS (DataBase Management System) including at least one database for storing and managing customer information, and / or management information, etc.).

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

According to the present invention, the DBMS provided in the financial system, the financial institution opens at least one financial account to the payment request customer using at least one or more electronic money, at least one or more electronic money based on the financial account And a ledger D / B for storing at least one ledger for providing a service, wherein the ledger D / B includes at least one electronic device to be provided to a payment request customer using the electronic money by the financial institution. At least one or more ledger information (e.g., customer ledgers, reception ledgers, collateral ledgers, etc.) for currency use processing, and at least corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) One or more ledger additional information is stored in association with each other. The ledger information may include a predetermined ledger corresponding to the cyber account opened through the financial account opening system shown in FIG. 1 or 8.

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

According to an embodiment of the present invention, the customer connects to the cyber account management server 1700 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. In response to inputting (or selecting) electronic money use request information for using electronic money deposited in the cyber account through at least one user interface provided by the cyber account operation server 1700, a predetermined network is provided by the client terminal. It is preferable to transmit to the cyber account management server 1700 provided on the cyber account management system through the means.

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

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless communication At least one wireless communication terminal connected to the trust network, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex-based wireless data communication network, and the like.

In addition, the cyber account management server 1700 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a tele banking server and / or a TV banking server according to the characteristics of the client terminal and network means. Or, and / or comprises a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the cyber account management server 1700 is a CDMA based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or DataTAC / Mobitex-based wireless data communication network, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the cyber account management server 1700, and inputs and / or selects at least one or more information through the user interface to the cyber account management server 1700. 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 cyber account operation server 1700) is provided.

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

In the cyber account management system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired line connecting the client terminal and the cyber account management server 1700. The communication network and / or the wireless communication network perform a function of an electronic money use interface for registering the electronic money use request information for the customer to use the electronic money deposited in the cyber account.

According to another exemplary embodiment of the present invention, the transaction request terminal 1740 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, and / or Or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto.

In the cyber account management system as described above, when the transaction request terminal 1740 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the cyber account are provided. The financial network connecting the operation server 1700 performs a function of an electronic money use interface for registering the electronic money use request information for the customer to use the electronic money deposited in the cyber account, and / or the transaction request. When the terminal 1740 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the cyber account operation server 1700 may be used. Perform a function of an electronic money use interface for registering the electronic money use request information for the customer to use the electronic money deposited in the cyber account, and / or Is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the transaction request terminal 1740, the terminal (and / or server) (not shown) and the terminal (and / Or server) (not shown) and the network connecting the cyber account management server 1700 of the electronic money using interface for registering the electronic money use request information for the customer to use the electronic money deposited in the cyber account Perform a function

The cyber account management server 1700 provided on the cyber account management system according to the present invention is a generic term for the cyber account management system-side components that are connected to the transaction request terminal 1740 through a predetermined network means. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the transaction request terminal 1740 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the cyber account operation server 1700. ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). Server (or device) and / or a program provided to the outside world on the financial system, whereby It was not limited.

According to another embodiment of the present invention, when the transaction request terminal 1740 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the cyber account operation server 1700 is A predetermined server (or a predetermined wireless banking server provided on the wireless banking system, and / or a program provided in the wireless banking server, and / or a predetermined server (or accessible to the external system of the financial system through the wireless banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the wireless banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the cyber account operation server 1700 is configured to execute the telecast. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on a banking system, and / or a program provided in the telebanking server, and / or through the telebanking system, The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby the present invention It shall be defined.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the cyber account operation server 1700 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The electronic money use request information transmitted from the transaction request terminal 1740 to the cyber account operation server 1700 for the use of electronic money deposited in the cyber account is predetermined cyber account information and electronic money amount information and transaction. Characterized in that it comprises at least one or more authentication information.

The cyber account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in FIG. Depending on the intention, customer information (e.g., account holder name, or customer's customer information file (CIF) number corresponding to the cyber account), financial institution information (e.g. bank name, or bank code), branch information (e.g., Sales office code), contact information (eg, name of a contact person who opened and is in charge of the cyber account, a contact person code, and the like).

The electronic money amount information includes the amount of electronic money used for payment processing for the product purchased by the customer by withdrawing from the cyber account to use the electronic money deposited in the cyber account. The money use amount does not exceed the balance (or withdrawable amount) deposited in the cyber account.

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The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation for the use of the electronic money for the use of the electronic money deposited in the cyber account Information for the at least one of the password corresponding to the cyber account, or the use of the electronic money characterized in that it comprises at least one.

In addition, in the characteristic of the cyber account operation system shown in FIG. 17, wherein the electronic money use for the use of electronic money deposited in the cyber account is made through a non-facing channel, the transaction authentication information is the cyber account opening. In the process further comprises at least one or more security code information provided on the security card provided to the customer, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer desirable.

In addition, the nature of the cyber account management system shown in Figure 17, characterized in that the use of electronic money for the use of electronic money deposited in the cyber account through the non-facing channel, the transaction authentication information is the transaction request terminal (1740) (or at least one encryption included in the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the transaction request terminal 1740, or the authentication certificate) Preferably, the method further comprises encrypting the electronic money request information based on a key, or attaching the electronic signature of the customer to the electronic money request information.

According to the embodiment of the present invention, the cyber account management server 1700 is provided with an interface unit 1705 for connecting and managing the transaction request terminal 1740 and a predetermined communication channel through the network means. It is done.

According to an embodiment of the present invention, when the transaction request terminal 1740 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1705 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

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

Alternatively, when the client terminal is provided with a communication program provided by the cyber account management server 1700 (eg, an internet banking program), the interface unit 1705 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a financial automatic device connected to a predetermined financial network, the interface unit 1705 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with an automated device and using a communication protocol defined in an electronic money use related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1705 includes a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

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

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the cyber account management server 1700, the interface unit 1705 is based on the CDMA protocol. And a communication channel and provide 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 transaction request terminal 1740 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1705 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1705 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 17, the cyber account management server 1700 may be configured such that a predetermined transaction request terminal 1740 connects a communication channel with the cyber account management server 1700 through the interface unit 1705, and / or When the electronic money use request for the use of electronic money deposited in the cyber account is requested through the communication channel, inputs predetermined electronic money use request information in the transaction request terminal 1740 in cooperation with the interface unit 1705 ( Or an interface providing unit 1710 for generating (or extracting) a predetermined user interface to be transmitted to the transaction request terminal 1740, and the transaction request terminal 1740. In the case where a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1710 may be omitted.

The interface providing unit 1710 is provided in the transaction request terminal 1740 after a predetermined transaction request terminal 1740 connects a communication channel with the cyber account operation server 1700 through the interface unit 1705. Generate a predetermined user interface capable of inputting (or selecting) the electronic money use request information to the cyber account management server 1700 via the network means in response to the configured functional configuration, and / or a predetermined database And extract the generated (or extracted) user interface in cooperation with the interface unit 1705 to the transaction request terminal 1740 via the network means.

According to an embodiment of the present invention, when the transaction request terminal 1740 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1710. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1705 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a financial automation device connected to a predetermined financial network, the interface providing unit 1710 may include an electronic money related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 1705.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1710 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1710 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1705 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the transaction request terminal 1740 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1710 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1705. .

At least one user interface for inputting (or selecting) the electronic money use request information to the transaction request terminal 1740 according to another embodiment of the present invention and transmitting it to the cyber account operation server 1700 through the network means. When a predetermined terminal-side banking program having the above is provided, the interface providing unit 1710 which provides the user interface to the transaction request terminal 1740 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) electronic money use request information including at least one of cyber account information, electronic money amount information, and transaction authentication information. It is desirable to include an interface function to transmit to.

Referring to FIG. 17, the cyber account operation server 1700 requests the electronic money use request including at least one of cyber account information, electronic money amount information, and transaction authentication information through the user interface at the transaction request terminal 1740. When the information is input (or selected) and transmitted, an information receiving unit receiving the electronic money use request information including at least one of the cyber account information, the electronic money amount information, and the transaction authentication information in association with the interface unit 1705. 1715, a validity verification unit 1725 for verifying validity of the cyber account information, the electronic money amount information, and the transaction authentication information included in the received electronic money use request information, and the financial system in connection with the financial system. To use the electronic money deposited in the cyber account based on the validated electronic money request information. The electronic money use processing unit 1730 and the electronic money use processing unit 1730, which handles electronic money use, generate predetermined electronic money use result information for electronic money use for use of electronic money deposited in the cyber account. And an information transmitter 1720 for transmitting the electronic money use result information to the transaction request terminal 1740 in association with the interface unit 1705.

The transaction request terminal 1740 inputs (or selects) electronic money use request information including at least one of the cyber account information, the electronic money amount information, and the transaction authentication information through the user interface. It is characterized in that the transmission to the cyber account management server (1700).

The information receiving unit 1715 inputs (or selects) electronic money use request information including at least one of cyber account information, electronic money amount information, and transaction authentication information through the user interface at the transaction request terminal 1740. When transmitting through the network means, the electronic money use request information is received in cooperation with the interface unit 1705, and provides the received electronic money use request information to the validity check unit 1725. .

The cyber account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, Depending on the intention, customer information (e.g., account holder's name or customer's customer information file (CIF) number corresponding to the cyber account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch office) Code), and contact information (eg, name of a contact person who opened and is in charge of the cyber account, a contact person code, etc.) may further include at least one or more.

The electronic money amount information includes the amount of electronic money used for payment processing for the product purchased by the customer by withdrawing from the cyber account to use the electronic money deposited in the cyber account. The money use amount does not exceed the balance (or withdrawable amount) deposited in the cyber account.

The transaction authentication information secures the validity of at least one of confidentiality, authentication, integrity, and nonrepudiation for the use of the electronic money for use of the electronic money deposited in the cyber account. Information for the purpose, characterized in that it comprises at least one password corresponding to the cyber account, or a password corresponding to the use of the electronic money.

In addition, in the characteristic of the cyber account operation system shown in FIG. 17, wherein the electronic money use for the use of electronic money deposited in the cyber account is made through a non-facing channel, the transaction authentication information is the cyber account opening. In the process further comprises at least one or more security code information provided on the security card provided to the customer, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer desirable.

In addition, the nature of the cyber account management system shown in Figure 17, characterized in that the use of electronic money for the use of electronic money deposited in the cyber account through the non-facing channel, the transaction authentication information is the transaction request terminal (1740) (or at least one encryption included in the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the transaction request terminal 1740, or the authentication certificate) Preferably, the method further comprises encrypting the electronic money request information based on a key, or attaching the electronic signature of the customer to the electronic money request information.

The validity check unit 1725 checks whether the electronic money use request information received from the transaction request terminal 1740 satisfies the validity for using the electronic money deposited in the cyber account.

According to an embodiment of the present invention, the validity check of the electronic money use request information is performed by the account ledger for the financial account corresponding to the cyber account information included in the electronic money use request information in the ledger D / B on the financial system. Or checking whether the customer ledger corresponding to the cyber account is provided. When the account ledger (or the customer ledger corresponding to the cyber account) is provided, the electronic money use request information is provided. It is desirable that the validity be authenticated.

In addition, the validity of the electronic money request information is the amount deposited in the cyber account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the cyber account) is the electronic money request information. It is preferable to include whether the amount is greater than the electronic money use amount included in, and when the cyber account balance is greater than the electronic money use amount is preferably validated for the electronic money use request information.

In addition, the validity confirmation of the electronic money use request information is the account provided in the ledger D / B on the financial system in response to the cyber account and various passwords corresponding to the transaction authentication information included in the electronic money use request information And comparing the various passwords (or linked) on the ledger, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, It is preferable that the validity of the electronic money use request information is authenticated.

In addition, in the characteristic of the non-face-to-face cyber account management system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the electronic money use request information is performed by the security code. Security corresponding to the transaction authentication information in comparison with the information and the security code information corresponding to the security card included on (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the cyber account. It is preferable to include whether the code information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validation of the electronic money use request information is performed by the OTP code. Generate a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator paid to the customer, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication It is preferable to include a check that matches the code, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, due to the characteristics of the non-face-to-face cyber account management system shown in FIG. 17, the electronic money use request information is issued to a predetermined encryption key (eg, an encryption key provided in the transaction request terminal 1740, or a customer). In the case of the encryption using the encrypted key included in the electronic certificate, the validation of the electronic money use request information may include at least one or more electronic money use information included in the encrypted electronic money use request information (or electronic money use request information). ) And verifying that the decryption is normally performed. When the decryption is normally performed, the validity of the electronic money use request information is authenticated.

In addition, due to the characteristics of the non-face-to-face cyber account management system shown in FIG. 17, the electronic money use request information includes a predetermined private key (eg, an encryption key included in an authorized certificate issued to a customer). When the electronic signature is attached, the validity check of the electronic money use request information is performed on the electronic money use request information (or at least one or more electronic money use information included in the electronic money use request information) to which the electronic signature is attached. It is preferable to include the confirmation of the electronic signature of the customer, it is preferable that the validity of the electronic money use request information is authenticated when the electronic signature of the customer is confirmed.

When the validity of the electronic money use request information is confirmed, the electronic money use processing unit 1730 is connected to a financial system equipped with an account ledger corresponding to the cyber account, the cyber account information included in the electronic money use request information. And processing the use of electronic money deposited in the cyber account based on the electronic money amount information and transaction authentication information, and operating the cyber account using the electronic money usage information used in response to the electronic money use request information. Provided to the information storage unit 1735 to store in the cyber account management ledger of the ledger D / B provided on the financial system associated with the server 1700.

According to an embodiment of the present invention, the electronic money use processing unit 1730 is connected to the financial system, the amount corresponding to the electronic money amount information from the account ledger corresponding to the cyber account information included in the electronic money use request information It is preferable to withdraw money.

When the electronic money use for electronic money deposited in the cyber account is processed by the electronic money processing processor 1730, the information transmission unit 1720 is connected to the electronic money processing processor 1730 to the cyber account. The electronic money use processing history including any one of electronic money use approval details or electronic money use error details for electronic money use for use of electronic money deposited in the electronic money is generated, and the electronic device is linked with the interface unit 1705. The electronic money use result information including the money use processing history is transmitted to the transaction request terminal 1740 via the network means.

Here, the electronic money use processing history is characterized in that it comprises the cyber account information and the electronic money amount information, characterized in that it further comprises an authorization code (or error code) for the electronic money use.

The electronic money use result information includes a protocol structure for transmitting the generated electronic money use processing history to the transaction request terminal 1740 through the network means, and the electronic money use result information Similar to the electronic money use request information, or encrypted with the electronic signature of the financial institution is preferably sent to the transaction request terminal (1740).

When the electronic money use for electronic money deposited in the cyber account is processed by the electronic money use processing unit 1730, the information storage unit 1735 uses the electronic money used in response to the electronic money use request information. The information is stored in the cyber account management ledger of the ledger D / B provided on the financial system associated with the cyber account management server (1700).

According to an embodiment of the present invention, at least one of a use date, a management number, a user institution, a transaction store, an electronic money use amount, an expected settlement date, and the like corresponding to the electronic money used and processed in response to the electronic money use request information It is preferable to store the electronic money usage history information including the above in the cyber account management ledger of the ledger D / B provided on the financial system associated with the cyber account operation server 1700.

According to an embodiment of the present invention, the electronic money usage information stored in the cyber account management ledger of the ledger D / B provided on the financial system is linked to the cyber account operation server 1700 in addition to the ledger D / B. It may be stored in the D / B provided in at least one or more servers, by which the present invention is not limited.

18 is a diagram illustrating a ledger configuration corresponding to a cyber account provided in a financial system for using a non-face-to-face electronic money for use of electronic money deposited in a cyber account according to an embodiment of the present invention.

More specifically, FIG. 18 corresponds to the cyber account opened through the financial account opening system shown in FIG. 1 or 8 in the ledger D / B 1800 provided in the DBMS on the financial system shown in FIG. As shown in FIG. 18, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 18 to finance the use of electronic money deposited in the cyber account. Various implementation methods for the ledger configuration corresponding to the cyber account provided in the system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1800 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system Ledger D / B (1800) is provided with at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 18 It will be clearly understood that at least one additional information is included to further understand, and the specific technical matters for this will be understood. Detailed description is omitted for convenience.

The customer ledger is a ledger including customer information corresponding to the cyber account for use of electronic money deposited in the cyber account, and includes a customer information file (CIF) number, a country code, a contact ID, a branch number, a customer classification, a customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account No., President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, and Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the cyber account for the use of electronic money deposited in the cyber account, and is linked to the customer ledger in a relational manner. Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance number, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic reception information including at least one or more of a period, a number of days, a period extension, an expiration date, and a target amount, and / or an account number, a deposit amount, a par value, and a pension corresponding to the account ledger. And trust receipt information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, and a batch number corresponding to the account ledger. It includes transaction history information including at least one of, complex transaction, date of settlement, bank account line, summary, CIF and the like.

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

Referring to this drawing t including the implementation method provided in the ledger D / B 1800 or the ledger D / B 1800 according to an embodiment of the present invention, Store cyber account information including at least one of the customer information, account attribute information, and available merchant information included in the cyber account opening application information provided through the illustrated cyber account opening system in the form of additional information added to the account ledger. It is characterized by.

The financial product information is information corresponding to the cyber account opened through the financial account opening system shown in FIG. 1, preferably including an account number for the cyber account, and a depositing method for the cyber account. It is preferable to include at least one or more information.

For example, the deposit method information may be a profit generated from a financial account designated by the customer (e.g., an account capable of generating funds such as funds, savings, savings, etc.) A portion (or all) of or a principal deposited in the financial account is preferably deposited in the financial account.

The available merchant information is institution information (eg, an institution) of a target merchant for using electronic money (or an amount corresponding to electronic money) deposited in the financial account through a predetermined merchant through a financial account corresponding to the cyber account. Organization name, business number, address, telephone number, e-mail address, etc.), and the customer is provided on the financial system in response to the institution by subscribing to the electronic money user organization using electronic money through the cyber account. At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

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). At least one member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the cyber account opening system corresponding to the customer by subscribing to It is preferable to make.

The account attribute information may include the product name corresponding to the savings, savings, funds, etc., the account number assigned to the financial account, the account holder's name of the financial account, when the customer subscribes to the financial account corresponding to the cyber account. At least one bank account number associated with the account, the card (eg credit card, check card, cash card, etc.) associated with the financial account is preferably included.

The liquidity account information is a financial account in which an amount corresponding to the used electronic money is deposited when an electronic money use deposited in the cyber account occurs from the cyber account, an account number assigned to the financial account, the financial account It is preferable to include at least one or more of the account holder's name, the interest rate granted to the financial account, the cyber account number associated with the financial account.

Here, the interest rate can be differentially paid according to the amount deposited in the liquidity account, whereby the present invention is not limited.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

In addition, it is desirable to provide an interest rate of 1% to a customer who has deposited 1 million won in the liquidity account, and an interest rate of 10% to a customer who has deposited 10 million won.

The discount rate information between the accounts includes the liquidity account through a predetermined amount adjustment to the electronic money when an amount corresponding to the electronic money used through the cyber account is applied to the liquidity account when the electronic money deposited in the cyber account is used. It is preferable to include a discount rate for applying.

For example, when electronic money worth 1.1 million won is used through the cyber account, the information provided to the customer is provided as electronic money worth 1.1 million won from the cyber account. In the processing, when the discount rate is set to 10%, it is preferable that the cash 1 million won corresponding to the electronic money 1.1 million used from the cyber account is withdrawn from the liquidity account.

According to another embodiment of the present invention, the cyber account opening application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (for example, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

19 is a diagram illustrating a process of processing electronic money use for using electronic money deposited in a cyber account in a non-face-to-face manner in order to use electronic money deposited in a cyber account according to an embodiment of the present invention.

In more detail, FIG. 19 illustrates a case where the cyber account management server 1700 on the cyber account management system illustrated in FIG. 17 includes a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After the client terminal accesses the cyber account management server 1700 and connects the communication channel for using the electronic money, the cyber account information and the electronic money amount information to the cyber account management server 1700 through the communication channel. And transmitting the electronic money use request information including transaction authentication information, cyber account information, electronic money amount information and transaction authentication information included in the received electronic money use request information from the cyber account operation server 1700. As a practical method for processing the use of electronic money deposited in the cyber account using Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 19 to provide a variety of processes for processing electronic money use for use of electronic money deposited in cyber accounts in the non-face-to-face manner. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the client terminal shown in FIG. 17 is referred to as "terminal" for convenience, and the cyber account operating server 1700 shown in FIG. 17 is referred to as "server" for convenience.

Referring to FIG. 19, the terminal shown in FIG. 17 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, and And / or request the use of electronic money for use of electronic money deposited in the cyber account (1900). The web page includes a user interface for inputting (or selecting) electronic money use request information including at least one of cyber account information, electronic money amount information, and transaction authentication information for using electronic money deposited in the cyber account. Generate (or extract) and transmit to the terminal through the communication channel to output (1905).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the user interface provision and electronic money request information transmission / reception procedure. It is not limited.

Thereafter, the terminal inputs (or selects) electronic money use request information including at least one of the cyber account information, electronic money amount information, and transaction authentication information through the user interface (1910).

If the terminal receives (or selects) electronic money use request information including the cyber account information, electronic money amount information, and transaction authentication information (1915) through the user interface, the terminal receives the communication channel through the communication channel. The cyber account information, the electronic money amount information and the transaction authentication information inputted (or selected) are transmitted to the server (1920), and the cyber account information and the electronic money amount inputted (or selected) through the communication channel in the terminal. Transmitting the information and the transaction authentication information to the server, the electronic signature and / or encryption through the electronic module using the security module (not shown) provided in the terminal (or selected) through the user interface information (or selected) It is preferable to further comprise transmitting to the server.

Here, the cyber account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, According to the intention of the person skilled in the art, customer information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the cyber account), financial institution information (eg, the bank name, or bank code), branch information (eg, , A branch code), and contact information (eg, name of a contact person who opened and is in charge of the cyber account, a contact code, etc.).

The electronic money amount information includes the amount of electronic money used for payment processing for the product purchased by the customer by withdrawing from the cyber account to use the electronic money deposited in the cyber account. The money use amount does not exceed the balance (or withdrawable amount) deposited in the cyber account.

The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation for the use of the electronic money for the use of the electronic money deposited in the cyber account Information for the at least one of the password corresponding to the cyber account, or the use of the electronic money characterized in that it comprises at least one.

In addition, in the characteristic of the cyber account operation system shown in FIG. 17, wherein the electronic money use for the use of electronic money deposited in the cyber account is made through a non-facing channel, the transaction authentication information is the cyber account opening. In the process further comprises at least one or more security code information provided on the security card provided to the customer, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer desirable.

In addition, the nature of the cyber account management system shown in Figure 17, characterized in that the use of electronic money for the use of electronic money deposited in the cyber account through the non-facing channel, the transaction authentication information is the transaction request terminal (1740) (or at least one encryption included in the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the transaction request terminal 1740, or the authentication certificate) Preferably, the method further comprises encrypting the electronic money request information based on a key, or attaching the electronic signature of the customer to the electronic money request information.

Thereafter, the server receives and reads electronic money use request information including at least one of the cyber account information, electronic money amount information, and transaction authentication information through the communication channel to confirm validity of the electronic money use request information. And (1925), checking the validity of the electronic money use request information, if the electronic money use request information is electronic signature and / or encrypted through a security module (not shown) provided in the terminal, And decrypting the electronic money use request information, and / or decrypting the electronic money use request information.

According to an embodiment of the present invention, the validity check on the electronic money use request information may be performed on the financial account corresponding to the cyber account information included in the electronic money use request information in the ledger D / B 1800 on the financial system. It is preferable to include whether the account ledger (or customer ledger corresponding to the cyber account) is provided, and if the account ledger (or customer ledger corresponding to the cyber account) is provided, the electronic money use request It is desirable that the validity of the information be authenticated.

In addition, the validity of the electronic money request information is the amount deposited in the cyber account (for example, the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the cyber account) is the electronic money It is preferable to include whether the amount is greater than the amount of electronic money included in the use request information, it is preferable that the validity of the electronic money use request information is authenticated when the cyber account balance is greater than the amount of the electronic money. .

In addition, the validity check of the electronic money use request information is provided in the ledger D / B 1800 on the financial system in response to various passwords and the cyber account corresponding to the transaction authentication information included in the electronic money use request information. Comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information are matched, wherein the various passwords corresponding to the transaction authentication information are matched. In this case, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, in the characteristic of the non-face-to-face cyber account management system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the electronic money use request information is performed by the security code. The transaction authentication information is compared with the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B 1800 on the financial system in response to the cyber account. It is preferable to include whether the corresponding security code information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validation of the electronic money use request information is performed by the OTP code. Generate a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the customer, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication It is preferable to include a check that matches the code, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, due to the characteristics of the non-face-to-face cyber account management system shown in FIG. 17, the electronic money use request information is issued to a predetermined encryption key (eg, an encryption key provided in the transaction request terminal 1740, or a customer). In the case of the encryption using the encrypted key included in the electronic certificate, the validation of the electronic money use request information may include at least one or more electronic money use information included in the encrypted electronic money use request information (or electronic money use request information). ) And verifying that the decryption is normally performed. When the decryption is normally performed, the validity of the electronic money use request information is authenticated.

In addition, due to the characteristics of the non-face-to-face cyber account management system shown in FIG. 17, the electronic money use request information includes a predetermined private key (eg, an encryption key included in an authorized certificate issued to a customer). When the electronic signature is attached, the validity check of the electronic money use request information is performed on the electronic money use request information (or at least one or more electronic money use information included in the electronic money use request information) to which the electronic signature is attached. It is preferable to include the confirmation of the electronic signature of the customer, it is preferable that the validity of the electronic money use request information is authenticated when the electronic signature of the customer is confirmed.

If the validity of the electronic money use request information is not authenticated (1930), the server generates an electronic money use processing history including predetermined electronic money use error information corresponding to the validity error information (1935), The electronic money use result information including the electronic money use processing history is transmitted to the terminal through the communication channel (1955), and the terminal correspondingly displays the electronic money use result including the electronic money use processing history. Output (1960).

On the other hand, if the validity of the electronic money request information is authenticated (1930), the server is linked to the financial system equipped with the account ledger corresponding to the cyber account cyber account information and electronic information included in the electronic money request information Based on the money amount information and the transaction authentication information, the electronic money use for using the electronic money deposited in the cyber account is processed (1940).

According to an embodiment of the present invention, the server may withdraw the amount corresponding to the electronic money amount information from the account ledger corresponding to the cyber account information included in the electronic money use request information in association with the financial system. desirable.

If the electronic money use corresponding to the electronic money use request information is processed (1945), the server includes either electronic money use approval information or electronic money use error information according to the electronic money use processing result. The electronic money usage processing history is generated (1950), and the electronic money usage result information including the electronic money usage processing history is transmitted through the communication channel to the terminal (1955), and the terminal correspondingly transmits the electronic money. The electronic money use result including the usage processing history is displayed on the screen (1960).

Thereafter, the server sends the electronic money usage history information corresponding to the electronic money use request information to the cyber account manager of the ledger D / B 1800 provided on the financial system associated with the cyber account operation server 1700. Save (1965).

According to an embodiment of the present invention, at least one of a use date, a management number, a user institution, a transaction store, an electronic money use amount, an expected settlement date, and the like corresponding to the electronic money used and processed in response to the electronic money use request information It is preferable to store the electronic money usage history information including the above in the cyber account management ledger of the ledger D / B 1800 provided on the financial system associated with the cyber account operation server 1700.

According to an embodiment of the present invention, the electronic money usage information stored in the cyber account manager of the ledger D / B 1800 provided on the financial system is the cyber account operation server in addition to the ledger D / B 1800. It may be stored in the D / B provided in at least one server associated with 1700, whereby the present invention is not limited.

20A and 20B illustrate a process of processing electronic money use for use of electronic money deposited in a cyber account in a non-face-to-face manner in order to use electronic money deposited in a cyber account according to another embodiment of the present invention. to be.

In more detail, FIGS. 20A and 20B illustrate a case in which the cyber terminal management system illustrated in FIG. 17 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the Internet terminal provides the electronic money request request information for using the electronic money deposited in the cyber account at the client terminal. When the electronic money use request information including the cyber account information, electronic money amount information, and transaction authentication information is transmitted, the cyber account information included in the received electronic money use request information is received from the cyber account operation server 1700. And electronic money amount information and transaction authentication information The present invention relates to a method for processing the use of electronic money. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 20a and 20b to provide cyber processing in a non-face-to-face manner other than the Internet banking. Various implementation methods for the process of processing the use of electronic money for the use of electronic money deposited in the account may be inferred, but the present invention includes all the implementation methods inferred above, as shown in FIG. It is not limited.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation and / or Netscape Navigator of Netscape, etc.) provided in the client terminal in FIGS. 20A and 20B. Based on the embodiment of the method for connecting the Internet banking-based electronic money use channel for registering electronic money use request information between the client terminal and the Internet banking server, but if the person of ordinary skill in the art 20a and 20b refer to and / or modify an internet banking-based electronic money channel connection method using a browser program based on a predetermined internet banking program mounted on the client terminal and the internet banking. Between servers Although it is possible to infer an implementation method of connecting an Internet banking-based electronic money use channel for registering electronic money use request information in the present invention, the present invention includes an Internet banking-based electronic money use provided based on the Internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking-based electronic money channel connection method shown in Figures 20a and 20b, telebanking Each non-face-to-face channel for electronic money processing for use of electronic money deposited in the cyber account in all other types of non-face-to-face banking systems including at least one system and / or a wireless banking system and / or a TV banking system. Although it may be possible to infer an implementation method of connecting an electronic money-using channel corresponding to the present invention, the present invention provides a telebanking system and / or a wireless banking system and / or a TV banking system and / or a non-faced channel banking system proposed in the future. It includes all kinds of non-facing channel-based electronic money use, including the technical configuration of the present invention It is by no means limited to the case of Internet banking shown in FIGS. 20A and 20B.

20A and 20B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the cyber account operation server 1700 is referred to as a "server" for convenience.

20A and 20B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server communicates between the terminal and the server through the browser. (2005a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2010a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (2015a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2025a), or if the terminal does not need to install and / or update the Internet banking security module (2015a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2030a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the terminal may provide the server to register the electronic money request information in the terminal. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registering electronic money use request information in the terminal. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2035a).

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

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

After that, the terminal inputs (or generates) predetermined customer authentication data according to the request, and digitally signs and / or encrypts the data through the security module to be transmitted to the server (and / or authentication server). Request (2040a), the server (and / or authentication server) is the Internet banking customer for non-face-to-face channel-based electronic money using the customer connected through the terminal based on the customer authentication data received from the terminal Authenticate (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), so that the Internet banking-based electronic money is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), the server converts the Internet banking security channel into an internet banking-based electronic money using channel in connection with the security module provided in the terminal (2060a), where Internet banking The base electronic money use channel refers to the electronic banking based electronic money from the terminal by transmitting electronic money use request information including at least one of the cyber account information, electronic money amount information, and transaction authentication information from the terminal to the server. Means a communication channel that can handle usage.

Thereafter, the terminal requests the Internet banking based electronic money use for electronic money deposited in the cyber account to the server through the electronic money using channel (2000b), and correspondingly, the server deposits the cyber account. Generating (or extracting) a web page including a user interface for inputting (or selecting) electronic money use request information including at least one of cyber account information, electronic money amount information, and transaction authentication information for using the electronic money. The electronic money is transmitted to the terminal through the channel using the money and output (2005b).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the user interface provision and electronic money request information transmission / reception procedure. It is not limited.

Thereafter, the terminal inputs (or selects) electronic money use request information including at least one of the cyber account information, electronic money amount information, and transaction authentication information through the user interface (2010b).

If the terminal receives (or selects) electronic money use request information including the cyber account information, electronic money amount information, and transaction authentication information through the user interface (2015b), the terminal uses the electronic money use channel. The cyber account information, the electronic money amount information, and the transaction authentication information, which are input (or selected), are transmitted to the server (2020b), and the cyber account information that is input (or selected) through the electronic money use channel in the terminal. And transmitting the electronic money amount information and the transaction authentication information to the server, the electronic signature and the electronic signature request information input (or selected) through the user interface through the security module (not shown) provided in the terminal. And / or encrypting and transmitting the data to the server.

Here, the cyber account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in Figure 1 or 8, According to the intention of the person skilled in the art, customer information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the cyber account), financial institution information (eg, the bank name, or bank code), branch information (eg, , A branch code), and contact information (eg, name of a contact person who opened and is in charge of the cyber account, a contact code, etc.).

The electronic money amount information includes the amount of electronic money used for payment processing for the product purchased by the customer by withdrawing from the cyber account to use the electronic money deposited in the cyber account. The money use amount does not exceed the balance (or withdrawable amount) deposited in the cyber account.

The transaction authentication information is to ensure the validity of at least one or more of the confidentiality (Authentication), Authentication (Integrity) and Nonrepudiation for the use of the electronic money for the use of the electronic money deposited in the cyber account Information for the at least one of the password corresponding to the cyber account, or the use of the electronic money characterized in that it comprises at least one.

In addition, in the characteristic of the cyber account operation system shown in FIG. 17, wherein the electronic money use for the use of electronic money deposited in the cyber account is made through a non-facing channel, the transaction authentication information is the cyber account opening. In the process further comprises at least one or more security code information provided in the security card provided to the customer, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer desirable.

In addition, the nature of the cyber account management system shown in Figure 17, characterized in that the use of electronic money for the use of electronic money deposited in the cyber account through the non-facing channel, the transaction authentication information is the transaction request terminal (1740) (or at least one encryption included in the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the transaction request terminal 1740, or the authentication certificate) Preferably, the method further comprises encrypting the electronic money request information based on a key, or attaching the electronic signature of the customer to the electronic money request information.

Thereafter, the server receives and reads electronic money use request information including at least one of the cyber account information, electronic money amount information, and transaction authentication information through the electronic money use channel, thereby validating the electronic money use request information. Checking (2025b), and checking the validity of the electronic money use request information, if the electronic money use request information is electronic signature and / or encrypted through a security module (not shown) provided in the terminal, And decrypting the electronic money use request information, and / or decrypting the electronic money use request information.

According to an embodiment of the present invention, the validity check on the electronic money use request information may be performed on the financial account corresponding to the cyber account information included in the electronic money use request information in the ledger D / B 1800 on the financial system. It is preferable to include whether the account ledger (or customer ledger corresponding to the cyber account) is provided, and if the account ledger (or customer ledger corresponding to the cyber account) is provided, the electronic money use request It is desirable that the validity of the information be authenticated.

In addition, the validity of the electronic money request information is the amount deposited in the cyber account (for example, the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the cyber account) is the electronic money It is preferable to include whether the amount is greater than the amount of electronic money included in the use request information, it is preferable that the validity of the electronic money use request information is authenticated when the cyber account balance is greater than the amount of the electronic money. .

In addition, the validity check of the electronic money use request information is provided in the ledger D / B 1800 on the financial system in response to various passwords and the cyber account corresponding to the transaction authentication information included in the electronic money use request information. And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information are matched, wherein the various passwords corresponding to the transaction authentication information are matched. In this case, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, in the characteristic of the non-face-to-face cyber account management system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the electronic money use request information is performed by the security code. The transaction authentication information is compared with the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B 1800 on the financial system in response to the cyber account. It is preferable to include whether the corresponding security code information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validation of the electronic money use request information is performed by the OTP code. Generate a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the customer, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication It is preferable to include a check that matches the code, and if the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the electronic money use request information is authenticated.

In addition, due to the characteristics of the non-face-to-face cyber account management system shown in FIG. 17, the electronic money use request information is issued to a predetermined encryption key (eg, an encryption key provided in the transaction request terminal 1740, or a customer). In the case of the encryption using the encrypted key included in the electronic certificate, the validation of the electronic money use request information may include at least one or more electronic money use information included in the encrypted electronic money use request information (or electronic money use request information). ) And verifying that the decryption is normally performed. When the decryption is normally performed, the validity of the electronic money use request information is authenticated.

In addition, due to the characteristics of the non-face-to-face cyber account management system shown in FIG. 17, the electronic money use request information includes a predetermined private key (eg, an encryption key included in an authorized certificate issued to a customer). When the electronic signature is attached, the validity check of the electronic money use request information is performed on the electronic money use request information (or at least one or more electronic money use information included in the electronic money use request information) to which the electronic signature is attached. It is preferable to include the confirmation of the electronic signature of the customer, it is preferable that the validity of the electronic money use request information is authenticated when the electronic signature of the customer is confirmed.

If the validity of the electronic money use request information is not authenticated (2030b), the server generates an electronic money use processing history including predetermined electronic money use error information corresponding to the validity error information (2035b), The electronic money use result information including the electronic money use processing history is transmitted to the terminal through the electronic money use channel (2055b), and the terminal corresponds to the electronic money use result including the electronic money use processing history. Screen is displayed (2060b).

On the other hand, if the validity of the electronic money request information is authenticated (2030b), the server is linked with the financial system equipped with an account ledger corresponding to the cyber account cyber account information and electronic information included in the electronic money request information Based on the money amount information and the transaction authentication information, the electronic money use for using the electronic money deposited in the cyber account is processed (2040b).

According to an embodiment of the present invention, it is preferable that the server processes a withdrawal amount corresponding to the electronic money amount information from the account ledger corresponding to the cyber account information included in the electronic money use request information in association with the financial system. Do.

If the electronic money use corresponding to the electronic money use request information is processed (2045b), the server includes any one of electronic money use approval information or electronic money use error information according to the electronic money use processing result. The electronic money use history is generated (2050b), and the electronic money use result information including the electronic money use processing history is transmitted to the terminal through the electronic money use channel (2055b). In operation 2060b, the electronic money use result including the electronic money use processing history is displayed on the screen.

Thereafter, the server transmits the electronic money usage history information corresponding to the electronic money use request information to the cyber account manager of the ledger D / B 1800 provided on the financial system associated with the cyber account operation server 1700. Save (2065b).

According to an embodiment of the present invention, at least one of a use date, a management number, a user institution, a transaction store, an electronic money use amount, an expected settlement date, and the like corresponding to the electronic money used and processed in response to the electronic money use request information It is preferable to store the electronic money usage history information including the above in the cyber account management ledger of the ledger D / B 1800 provided on the financial system associated with the cyber account operation server 1700.

According to an embodiment of the present invention, the electronic money usage information stored in the cyber account manager of the ledger D / B 1800 provided on the financial system is the cyber account operation server in addition to the ledger D / B 1800. It may be stored in the D / B provided in at least one server associated with 1700, whereby the present invention is not limited.

21 is a diagram illustrating a balancing processing system between a cyber account and a liquidity account for a liquidity account balancing process using electronic money deposited in a cyber account according to an embodiment of the present invention.

In more detail, FIG. 21 shows that a predetermined customer uses the electronic money value deposited in the cyber account opened through the cyber account opening system shown in FIG. 1 or 8, and the cyber money is used according to the use of the electronic money value. The configuration of the system for balancing processing between the cyber account and the liquidity account in response to the cyber account usage information stored in the ledger D / B 2145 on the financial system 2140 linked to the balance processing system between the account and the liquidity account is shown. As those skilled in the art to which the present invention pertains, various implementation methods for the configuration of a system for balancing processing between the cyber account and the liquidity account can be inferred by referring to and / or modifying the drawing 21. As will be appreciated, the invention includes all implementations inferred from the above, and is limited to the implementations shown in FIG. It does.

For example, a person having ordinary knowledge in the art to which the present invention pertains may refer to and modify the drawing 21, and the predetermined balancing processing server 2100 provided on the balancing processing system between the cyber account and the liquidity account is shown in the drawing. 1 or 8 may be provided as a module on the cyber account opening server on the cyber account opening system shown in FIG. 8, whereby the present invention is not limited thereto.

In addition, a person having ordinary knowledge in the technical field to which the present invention belongs, the predetermined balancing processing server 2100 provided on the balancing processing system between the cyber account and the liquidity account by referring to and / or modifying the drawing 21 It may be provided as a module on the cyber account management server on the cyber account management system shown in FIG. 14 or FIG. 17, whereby the present invention is not limited thereto.

In addition, the electronic money value settlement processing result processed on the balancing processing server 2100 may be stored in an electronic document D / B (not shown) provided on a predetermined electronic document server (not shown). The invention is not limited.

Referring to FIG. 21 according to an embodiment of the present invention, a cyber account and a liquidity account balancing processing system for balancing a cyber account and a liquidity account according to the use of electronic money value provided in the cyber account may include a cyber account and a cyber account. It is characterized by comprising a balancing processing server 2100 for balancing between liquidity accounts, the cyber account, and a financial system 2140 provided with a liquidity account.

The balancing processing server 2100 provided on the balance processing system between the cyber account and the liquidity account according to the present invention is a balancing process between the cyber account and the liquidity account connected to the issuer terminal 2150 through a predetermined network means. A generic term for system-side components, which may be implemented including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), Thereby, this invention is not limited.

Referring to FIG. 21, the balancing processing server 2100 may receive an information receiver for receiving cyber account usage information stored in the ledger D / B 2145 provided on the financial system 2140 from the financial system 2140. (2105) (or information receiving means) and the cyber account usage history that requires balancing processing between the cyber account and the liquidity account from the received cyber account history information, or the amount deposited in the liquidity account (or cyber account) (Or electronic money value) information confirmation unit 2110 (or information confirmation means) and the interest differentially applied in response to the amount (or electronic money value) deposited in the identified liquidity account (or cyber account) If the interest calculation unit 2115 (or interest calculation means) to provide and the balancing process between the cyber account and the liquidity account of the received cyber account usage information is necessary, between Balancing amount calculation unit 2120 (or balancing amount calculating means) for calculating an amount of money applied with a predetermined discount rate to the value of the electronic money deposited in the cyber account according to the account usage history, or calculating a balancing amount for the calculated interest And a ledger management unit 2125 (or ledger management means) for recording the balancing amount in the liquidity account corresponding to the calculated balancing amount, and a balancing amount corresponding to the electronic money value withdrawn from the cyber account. The financial value processing unit 2130 (or financial transaction processing unit) which withdraws money from the account and deposits the merchant account using the electronic money value, and the result of the settlement processing processed by the financial transaction processing unit 2130 have the electronic money value. Merchants that settle billing details on the use of electronic money values in real time (or periodically) Characterized in that it comprises an information providing unit 2135 (or information providing means) provided to the terminal.

The information receiving unit 2105 may receive cyber account usage information stored in the ledger D / B 2145 provided on the financial system 2140 from the financial system 2140.

According to an exemplary embodiment of the present invention, the cyber account usage information stored in the ledger D / B 2145 provided on the financial system 2140 is transferred from the balancing processing server 2100 to the financial system 2140. It is desirable to request and receive cyber account usage information according to the use of electronic money value that requires settlement.

According to another exemplary embodiment of the present invention, the reception of cyber account usage information stored in the ledger D / B 2145 provided on the financial system 2140 is performed by the balancing processing server 2100 in the financial system 2140. It is preferable to request and receive cyber account usage information to a DBMS managing the ledger D / B 2145 provided on the table.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the technical features of the method for receiving the cyber account usage information stored in the ledger D / B (2145) provided on the financial system (2140) As it will be understood, detailed description is omitted for convenience.

The information confirming unit 2110 confirms the cyber account usage history that requires balancing processing between the cyber account and the liquidity account in the received cyber account history information, or the amount deposited in the liquidity account (or the cyber account) (or E-money value).

According to an embodiment of the present invention, it is preferable to check the cyber account usage information by checking the received cyber account history information, and to check the cyber account usage history that requires balancing processing between the cyber account and the liquidity account. In real time).

In addition, it is preferable to confirm the amount (or electronic money value) deposited in the liquidity account (or cyber account) at the time of confirmation.

The interest calculating unit 2115 may provide a differentially applied interest corresponding to the amount (or electronic money value) deposited in the identified liquidity account (or cyber account).

For example, it is preferable to provide 1% of interest corresponding to 1% per unit period by applying an interest rate of 1% to a customer having 1 million won deposited in the liquidity account.

In addition, it is preferable to provide interest of 20,000 won corresponding to 2% per unit period by applying an interest rate of 2% to customers having 5 million won deposited in the liquidity account.

The balancing amount calculating unit 2120 may apply a predetermined discount rate to the electronic money value deposited in the cyber account according to the cyber account usage history when balancing processing between the cyber account and the liquidity account is required among the received cyber account usage information. It is preferable to calculate an amount or calculate a balancing amount for the calculated interest, and provide the calculated balancing amount to the ledger manager 2125 for recording in the cyber account or the liquidity account ledger.

According to the implementation method of the present invention, in the calculation of the balance amount between the cyber account and the liquidity account, it is preferable that an amount applied by applying a predetermined discount rate to the electronic money value through the cyber account is deposited in the liquidity account. It is desirable to calculate the balancing amount by applying the discount rate between liquidity accounts.

For example, if the cash amount of 1 million won is deposited in the liquidity account and the discount rate between the cyber account and the liquidity account is set to 10%, the electronic money value available through the cyber account is calculated to be 1.1 million won. It is preferable to record in the ledger.

In addition, when the cash amount of one million won is deposited in the liquidity account and the discount rate between the cyber account and the liquidity account is set to 10%, when the cash amount of 100,000 won is deposited in the liquidity account, it is used through the cyber account. Possible electronic money value is preferably recorded in the ledger by calculating the balance amount increased from 1.1 million won to 1.2 million won.

In addition, when the cash amount of one million won is deposited in the liquidity account and the discount rate between the cyber account and the liquidity account is set to 10%, when the electronic money value corresponding to 100,000 won is used through the cyber account, The balance amount to be withdrawn from the liquidity account is preferably 110,000 won, and it is preferable to record in the ledger that 890,000 won is deposited in the liquidity account.

In addition, if a cash amount of 1 million won is deposited in the liquidity account, and the discount rate between the cyber account and the liquidity account is 10% and the interest rate is 10%, the liquidity account is provided with 100,000 won of interest of 10%. The balancing amount corresponding to 100,000 won is preferably 110,000 won, and it is preferable to record in the ledger that the electronic money value of 121 million won is deposited in the cyber account.

The financial transaction processing unit 2130 may withdraw a balancing amount corresponding to the electronic money value withdrawn from the cyber account from the liquidity account and process the deposit with the merchant account using the electronic money.

According to the implementation method of the present invention, the financial transaction processing unit 2130 withdraws the calculated balance amount from the account ledger corresponding to the liquidity account in connection with the financial system 2140 to use the electronic money value. It is preferable to settle the merchant account.

The information providing unit 2135 performs the settlement processing result of the electronic transaction value in real time (or periodically) from the settlement processing result processed by the financial transaction processing unit 2130 to the affiliated store terminal using the electronic money value. Characterized in that provided to the terminal 2150.

According to the exemplary embodiment of the present invention, the settlement processing history according to the use of the electronic money value processed through the financial transaction processing unit 2130 is transmitted to the affiliated store terminal (or a terminal device such as a mobile phone in charge of the affiliated store). It is preferable to process, and it is desirable to include all means capable of receiving the settlement processing history in addition to the merchant terminal or mobile phone according to the intention and purpose of those skilled in the art.

22 is a diagram illustrating a settlement process in a balancing processing system between a cyber account and a liquidity account for liquidity account balancing processing according to the use of electronic money deposited in a cyber account according to an embodiment of the present invention.

In more detail, in FIG. 22, a predetermined customer uses an electronic money value deposited in a cyber account opened through the cyber account opening system shown in FIG. 1 or FIG. 8, and the cyber account according to the use of the electronic money value. Shows the settlement process in the system for balancing the cyber account and the liquidity account in response to the cyber account usage history information stored in the ledger D / B 2145 on the financial system 2140 linked to the balance between the liquidity account and the liquidity account. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for the settlement process in the system for balancing processing between the cyber account and the liquidity account are described with reference to and / or modification of the present invention. It may be inferred, but the present invention encompasses all implementation methods inferred, as shown in FIG. It shall be limited to city ways.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and modify this drawing 22, and cyber for liquidity account balancing processing according to the use of electronic money deposited in the cyber account shown in this drawing 22 By changing the order of the settlement process of the balance processing system between the account and the liquidity account, various implementation methods for the settlement process for the liquidity account balancing process according to the use of electronic money deposited in the cyber account may be inferred. The present invention includes all methods of inferring the above, and the present invention is not limited thereto.

Hereinafter, in the present invention, the balancing processing server 2100 illustrated in FIG. 21 is referred to as a “server” for convenience.

Referring to FIG. 22, a server sends a cyber account to the financial system 2140 to receive cyber account usage information stored in the ledger D / B 2145 provided on the financial system 2140 associated with the server. Requesting usage information (2200), the financial system 2140 extracts the cyber account usage information from the ledger D / B (2145), and transmits to the server, the server is the cyber account usage history Information is received (2205), and a balancing amount for the electronic money value corresponding to the received cyber account usage information is calculated (2210).

According to an exemplary embodiment of the present invention, the cyber account usage information stored in the ledger D / B 2145 provided on the financial system 2140 is transferred from the balancing processing server 2100 to the financial system 2140. It is desirable to request and receive cyber account usage information according to the use of electronic money value that requires settlement.

According to another exemplary embodiment of the present invention, the reception of cyber account usage information stored in the ledger D / B 2145 provided on the financial system 2140 is performed by the balancing processing server 2100 in the financial system 2140. It is preferable to request and receive cyber account usage information to a DBMS managing the ledger D / B 2145 provided on the table.

If a person having ordinary technical knowledge in the technical field to which the present invention belongs, the technical features of the method for receiving the cyber account usage information stored in the ledger D / B (2145) provided on the financial system (2140) As it will be understood, detailed description is omitted for convenience.

According to an exemplary embodiment of the present invention, it is preferable to extract the received cyber account usage information for each electronic money use affiliate store, and the extracted information is provided to an information storage unit provided in the server for affiliate store information using the electronic money. It is stored in the settlement D / B.

In addition, when the cyber account usage information received from the financial system 2140 or the ledger D / B 2145 is processed in association with merchant information using an electronic money value and stored in the settlement D / B, the settlement D / B The information stored in B preferably includes at least one of a use date and time, a management number, an electronic money value using institution (or affiliated store), a transaction store, an electronic money value use amount, and a settlement date.

According to the implementation method of the present invention, in the calculation of the balance amount between the cyber account and the liquidity account, it is preferable that an amount applied by applying a predetermined discount rate to the electronic money value through the cyber account is deposited in the liquidity account. It is desirable to calculate the balance amount by applying the discount rate between liquidity accounts.

For example, if the cash amount of 1 million won is deposited in the liquidity account and the discount rate between the cyber account and the liquidity account is set to 10%, the electronic money value available through the cyber account is calculated to be 1.1 million won. It is preferable to record in the ledger.

In addition, when the cash amount of one million won is deposited in the liquidity account and the discount rate between the cyber account and the liquidity account is set to 10%, when the cash amount of 100,000 won is deposited in the liquidity account, it is used through the cyber account. Possible electronic money value is preferably recorded in the ledger by calculating the balance amount increased from 1.1 million won to 1.2 million won.

In addition, when the cash amount of one million won is deposited in the liquidity account and the discount rate between the cyber account and the liquidity account is set to 10%, when the electronic money value corresponding to 100,000 won is used through the cyber account, The balance amount to be withdrawn from the liquidity account is preferably 110,000 won, and it is preferable to record in the ledger that 890,000 won is deposited in the liquidity account.

In addition, when the cash amount of one million won is deposited in the liquidity account, and the discount rate between the cyber account and the liquidity account is 10% and the interest rate is 10%, if the liquidity account is provided with 100,000 won of interest of 10%, The balancing amount corresponding to 100,000 won is preferably 110,000 won, and it is preferable to record in the ledger that the electronic money value of 121 million won is deposited in the cyber account.

Thereafter, the server records the calculated balancing amount in the liquidity account ledger corresponding to the liquidity account and withdraws the balancing amount from the liquidity account (2215), and the withdrawal balancing amount is used for the electronic money value. The payment is made to the merchant account for settlement (2220), and the settlement processing details are transmitted to the issuer terminal 2150 (or the issuer in charge of the issuer mobile phone, etc.) (2225).

According to the implementation method of the present invention, the server withdraws the calculated balance amount from the account ledger corresponding to the liquidity account in connection with the financial system 2140 and settles the merchant account using the electronic money value. It is desirable to.

According to an embodiment of the present invention, it is preferable to process the settlement processing details according to the use of the electronic money value processed through the server to be transmitted to the affiliated store terminal (or a terminal device such as a representative mobile phone of the affiliated store), According to the intention and purpose of those skilled in the art, it is preferable to include all means capable of receiving the settlement processing history in addition to the affiliated store terminal or mobile phone.

23 is a diagram illustrating an interest processing process in a balance processing system between a cyber account and a liquidity account for cyber account balancing processing according to interest provided to a liquidity account according to an embodiment of the present invention.

More specifically, Figure 23 corresponds to the amount of interest a certain customer deposits in a liquidity account associated with a cyber account opened through the cyber account opening system shown in Figures 1 or 8 above. Figure 2 shows an interest processing process in a balancing processing system between a cyber account and a liquidity account that records an electronic money value corresponding to a balance amount of a corresponding balance amount in a cyber account ledger corresponding to the cyber account. Those skilled in the art will be able to infer various implementation methods for the interest processing process in the balancing processing system between the cyber account and the liquidity account by referring to and modifying this drawing 23, but the present invention infers the above-mentioned. It includes all the implementation method that is, and the technical only by the implementation method shown in FIG. Jing is not limited.

For example, those skilled in the art to which the present invention pertains may refer to and modify this drawing 23 to infer various implementation methods by modifying the order of interest processing in the balancing processing system between the cyber account and the liquidity account. As will be appreciated, the present invention includes all implementations inferred by the above, and the present invention is not limited thereto.

Hereinafter, in the present invention, the balancing processing server 2100 illustrated in FIG. 21 is referred to as a “server” for convenience.

Referring to FIG. 23, the server checks whether the interest payment time has been reached for the liquidity account (2300).

If the interest payment time is not reached (2305), the process ends without executing the subsequent process.

On the other hand, when the interest payment time is reached (2305), the server checks the differential interest rate corresponding to the amount deposited in the liquidity account (2310).

Without providing a differential interest rate corresponding to the amount deposited in the liquidity account, interest may be paid irrespective of the amount deposited, whereby the present invention is not limited.

Thereafter, the server calculates an interest amount corresponding to the identified differential interest rate (2315), and records the calculated interest amount in the liquidity account ledger corresponding to the liquidity account (2320).

For example, it is preferable to provide 1% of interest corresponding to 1% per unit period by applying an interest rate of 1% to a customer having 1 million won deposited in the liquidity account.

In addition, it is preferable to provide interest of 20,000 won corresponding to 2% per unit period by applying an interest rate of 2% to customers having 5 million won deposited in the liquidity account.

Thereafter, the server calculates a balancing amount corresponding to the calculated interest amount (2325), and records the electronic money value corresponding to the calculated balancing amount in the cyber account ledger corresponding to the cyber account associated with the liquidity account. (2330).

According to the method of the present invention, when the cash amount of 1 million won is deposited in the liquidity account, and the discount rate between the cyber account and the liquidity account is 10% and the interest rate is 10%, 10% of interest is added to the liquidity account. If 10,000 won is provided, it is preferable that the balancing amount corresponding to the 100,000 won is 110,000 won, and it is preferable to record in the ledger that the electronic money value of 121 million won is deposited in the cyber account.

According to the present invention, by depositing the value of the electronic money in the financial account, by using it, there is an advantage that can be conveniently managed through the financial account.

In addition, when the value of electronic money is used through a variety of merchants, the computer automatically settles it, so there is an advantage that heavy work is not given to employees.

In addition, the balance between electronic money value and cash can be used to compensate for the difference between electronic money value and cash.In addition, differential incentives for each amount of money are placed in a financial account where cash corresponding to the electronic money value is deposited. By providing, there is an advantage that efficient marketing is possible.

Claims (1)

When a cyber account of a customer's name using electronic money is opened, a cyber linking the liquidity account and the cyber account to a ledger of a financial company that opens / manages a liquidity account of the customer's name linked to the cyber account of the customer's name in the information storage means. Configuring an account management ledger; When the interest payment time of the cyber account in the client's name arrives, confirming the amount of money deposited in the liquidity account associated with the cyber account of the client in the information checking means; Calculating an interest amount to which a differential interest rate is applied in response to the deposit confirmed by the interest calculating means; Calculating an interest amount by applying a preset premium rate to an electronic money value corresponding to a balancing amount to be applied to a cyber account in response to the interest amount in the balancing amount calculating means; And a step of recording the calculated electronic money value in the cyber account in a ledger management means.

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