KR20090094202A - Method for Managing Credit Information Reference Details - Google Patents

Abstract

A method for managing a credit information inquiry history is provided to use credit information inquired about a client in a financial institution in a storage state during a predetermined period, thereby preventing decrease of credit rating due to credit information inquiry over use of the client. A server builds a credit information ledger after inquiring credit evaluation information and credit rating information about a client from a credit information server. The server secondarily checks whether the credit information ledger is expired after primarily checking building of the credit information ledger(1640,1650). When the credit information ledger is not expired, the server inquires the credit evaluation information and credit rating information(1670). When the credit information ledger is expired, the server inquires the credit evaluation information and credit rating information from the credit information server(1660).

Description

{Method for Managing Credit Information Reference Details}

According to the present invention, when a customer requests a financial transaction requiring credit information inquiry, the server receives and receives credit rating information and credit rating information about the customer from a credit information server, and then the customer information, credit rating information, and credit. The step of establishing a credit information ledger by linking the rating information and the expiration date information, and when the customer requests the next financial transaction requiring credit information inquiry, whether the credit information ledger including the customer information is established in the server 1 After confirming, the second step of checking whether the validity period of the credit information ledger has passed and if the verification result has not passed, the server obtains credit rating information and credit rating information for the customer from the credit information ledger. Inquiries, and if the validity period has passed, the credit information server for the customer Related to credit history information inquiry management method further comprises the step of querying the rating and credit rating information.

The rapid development of the information and telecommunications industry has made it easier for customers to visit a financial institution and conduct financial transactions that require credit checks.

However, there is a problem that the credit rating of the customer falls every time the customer's credit information is retrieved from the credit information company in financial institutions.

In addition, the financial institution has to pay the cost according to the customer's credit information inquiry to the credit information company, there is a problem that the more the payment in the financial institution to pay a lot of costs.

An object of the present invention for solving the above problems, when a customer requests a financial transaction requiring credit information inquiry, after receiving and receiving credit rating information and credit rating information for the customer from the credit information server in the server, Establishing a credit information ledger by linking the customer information, the credit rating information, the credit rating information, and the expiration date information, and including the customer information in a server when the customer requests a next financial transaction requiring credit information inquiry. Firstly confirming that the credit information ledger is established, and then secondly checking whether the credit information ledger has expired, and if the verification result has not passed, the server from the credit information ledger to the customer Query the credit rating information and credit rating information for the credit card, and if the expiration date has passed, It has a credit rating and credit history information inquiry management method further comprises the step of querying the credit rating information from the server to the client to provide security.

In the credit information inquiry history management method according to the present invention, when a customer requests a financial transaction requiring credit information inquiry, after receiving and receiving the credit rating information and credit rating information for the customer from the credit information server in the server, Establishing a credit information ledger by linking the customer information, the credit rating information, the credit rating information, and the expiration date information, and including the customer information in a server when the customer requests a next financial transaction requiring credit information inquiry. Firstly confirming that the credit information ledger is established, and then secondly checking whether the credit information ledger has expired, and if the verification result has not passed, the server from the credit information ledger to the customer Query the credit rating information and credit rating information for the credit card, and if the expiration date has passed, And retrieving credit rating information and credit rating information for the customer from the information server.

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 view showing a credit information inquiry history management system according to an embodiment of the present invention.

More specifically, Figure 1 shows credit rating information for a customer from a predetermined credit information company server (290, 785, 1170, 1470) in a predetermined financial transaction in which a predetermined customer requires credit information inquiry from a predetermined financial institution. Receiving credit rating information and storing it in a predetermined credit information ledger, when a financial transaction requiring the credit information inquiry within a certain period of validity, credit information inquiry for processing the financial transaction based on the credit information ledger As for the history management system configuration, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 to open a financial account and financial transaction system for credit information inquiry history management based financial transaction. Various implementation methods for the configuration may be inferred, but the present invention includes all implementation methods inferred from the above, It shall not be limited to the exemplary method shown in side s.

According to the implementation method of the present invention, the credit information inquiry history management system, the credit information company server (290, 785, 1170, 1470) that provides credit rating information and credit rating information to at least one or more customers, and predetermined customer credit In a predetermined financial transaction requiring information inquiry, the credit information and credit rating information is provided to the customer from the credit information company server 290, 785, 1170 and 1470, and the financial transaction is processed. A financial company server (200, 700, 1100, 1400) for storing the evaluation information and credit rating information in a predetermined credit information ledger, and comprises a financial system having at least one ledger for the financial transaction, Financial company server (200,700,1100,1400) inquires the credit information ledger during the financial transaction requiring the credit information inquiry within a certain period of time Characterized in processing financial transactions.

Opening a loan account for a predetermined financial transaction requiring the credit information inquiry and the financial company server (200, 700, 1100, 1400) for financial transactions is the customer at least one of the customer information, loan application information, credit inquiry approval information If the loan application information including the above is provided to the financial institution, the financial institution opens a loan account for a predetermined financial transaction that requires the credit information inquiry based on the loan application information corresponding to the loan application. And storing credit inquiry information for a predetermined financial transaction requiring the credit information inquiry in a predetermined credit information ledger, and including the financial company server (200, 700, 1100, 1400). Preferred implementation methods for the construction system will be described in detail with reference to FIGS.

According to an embodiment of the present invention, it is preferable that the financial transaction requiring the credit information inquiry includes at least one or more credit loans and credit card issuance.

According to the exemplary embodiment of the present invention, the loan account opening system may have various financial transaction services through the credit information inquiry, but it is described based on financial transaction services related to loans for convenience, and is not limited thereto. Includes financial transaction services that require information retrieval.

In addition, the financial company server (200, 700, 1100, 1400) for opening a loan account for a predetermined financial transaction requiring the credit information inquiry, the credit information to the financial transaction system through the financial transaction interface, When the financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information is provided for a predetermined financial transaction requiring an inquiry, the financial transaction system includes information included in the provided financial transaction request information. Using the customer information, transaction application information, credit inquiry approval information and the credit information ledger to provide a financial transaction for a predetermined financial transaction requiring the credit information inquiry, the financial company server (200,700) A preferred method of implementing a financial transaction system including 1100 and 1400 is illustrated in FIGS. 11 and 14. It explains in detail.

The financial system is a general term for a computer system in which a ledger corresponding to the loan account opened through the financial company servers 200, 700, 1100, and 1400 is provided, and is basically provided at a branch (and / or a branch) of the financial institution. It is characterized in that it is connected to at least one or more window terminals through a predetermined financial network (for example, the bank network), and provides a financial transaction service to at least one or more financial transaction customers through the window terminal.

The electronic document server receives the electronic document generated by the financial institution server (200, 700, 1100, 1400), and stores the electronic document in the electronic document storage, characterized in that, in the credit account opening system including the electronic document server Preferred embodiments are described in detail with reference to FIGS. 2 and 7.

The credit information company server 290, 785, 1170, 1470, if the financial institution provides a variety of services that require credit information inquiry to the customer, the credit rating information and credit of the customer inquired based on the customer information of the customer Characterized by the rating information is provided to the financial institution.

According to an embodiment of the present invention, the financial institution server 200, 700, 1100, 1400, the electronic document server, the financial system, and the credit information company server 290, 785, 1170, 1470 shown in FIG. It may be made of, or consists of one or more servers, by which the present invention is not limited.

According to the embodiment of the present invention, the financial institution server 200, 700, 1100, 1400 shown in Figure 1 may be composed of one server or at least one separate server for each functional configuration, Thereby, this invention is not limited.

According to an embodiment of the present invention, the electronic document server shown in FIG. 1 may be formed of one server or at least one separate server for each functional configuration, and the present invention is limited. Not.

2 is a diagram illustrating a system for establishing a face-to-face credit information ledger 295 for a predetermined loan application requiring credit information inquiry according to an embodiment of the present invention.

More specifically, FIG. 2 shows credit rating information and credit rating information for a customer from a predetermined credit information company server 290 during a predetermined financial transaction in which a predetermined customer requires credit information inquiry from a predetermined financial institution. The configuration of the credit information ledger 295 construction system for receiving and storing in a predetermined credit information ledger 295, and those skilled in the art to which the present invention pertains, refer to FIG. 2 and / or It may be modified to infer various implementation methods for the configuration of the credit ledger 295 establishment system, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, the credit information ledger (295) construction system shown in FIG. 2 includes a credit evaluation for the customer from a predetermined credit information company server 290 when the customer requests a predetermined loan requiring the credit information inquiry. The present invention relates to a method of receiving information and credit rating information and storing it in a predetermined credit information ledger 295. In the financial transaction requiring the credit information inquiry, various financial transactions may exist in addition to the loan application. The invention is not limited.

Loan application and loan application created by the customer through a predetermined loan account opening interface on the credit information ledger 295 establishment system shown in FIG. 2 for a method of establishing a credit information ledger 295 based on the loan application At least one or more components and / or functional components corresponding to the information to allow the customer to open the loan account, generate a predetermined loan application electronic document, and store the same in a predetermined electronic document repository. For convenience, it is referred to as "financial company server 200".

Referring to FIG. 2 according to an embodiment of the present invention, a credit information ledger 295 construction system for a predetermined loan application requiring the credit information inquiry is provided at at least one branch of a financial institution (or a branch). It characterized in that it comprises a terminal device 299 including a window terminal, the terminal device 299 is a financial company server 200 provided on the credit information ledger 295 establishment system through a predetermined financial network ) And the communication channel are connected.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch) for a predetermined loan application requiring the credit information inquiry, and through a window provided in the financial institution branch branch (branch branch). Fill in at least one information item for a given loan application (eg, through a teller) for a given loan application requiring credit information inquiry (eg, for a given loan application requiring credit information inquiry). Document, which is provided with a form, for which the customer seals the customer's seal for the legal basis for the loan application.

Subsequently, when the customer submits the completed loan application to the teller, the teller scans the loan application through a predetermined image acquisition device to obtain predetermined image content, and through the predetermined teller terminal, the loan application. Input (or select) loan application information including at least one of the image content obtained in response to the at least one of the customer information, loan application information, credit inquiry approval information entered in the loan application, and corresponding to the counter terminal It is preferable to transmit the image content and loan application information to the financial company server 200 provided on the credit information ledger 295 establishment 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 200 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 200 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 200. It is preferable to make it.

In the credit information ledger (295) construction system as described above, the image acquisition device for obtaining the image content corresponding to the loan application written by the customer, the teller terminal used by the employee and the teller terminal and the financial company server 200 The financial network that connects a) performs a function of a loan account opening interface for registering the loan application information for a predetermined loan application for which the customer needs the credit information inquiry.

The credit information ledger 295 provided on the credit information ledger 295 construction system according to the present invention includes the customer information, credit evaluation information, and credit rating included in the loan application information provided from the terminal device 299. And credit inquiry information including at least one of information and expiration date information.

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). The member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked to the credit information ledger 295 establishment system in response to the customer; It is preferable to include one or more.

The loan application information is information that the customer provides to the financial institution when applying for the loan, loan request amount, loan period, loan interest rate, collateral information (for example, land, buildings, securities, art, antiques, other goods, etc.) , At least one or more of the result of the security examination (eg, valuation of collateral).

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The credit rating information corresponds to the inquiry result when the financial institution inquires the credit information of the customer through a credit information company licensed by the National Bank Federation or the Financial Supervisory Commission registered as the comprehensive credit information concentration institution. Information provided by the National Bank Federation or a credit information company to the financial institution, identification information (resident registration number, name, occupation, etc.), credit transaction information, public record information, financial order information, credit capacity information, special record information It is preferable to include at least one or more.

The credit rating information is a credit rating measurement calculated based on the credit information of the customer collected by the National Bank Federation or a credit information company, and includes credit rating information (for example, 1 to 10 ratings) of the customer. It is preferable.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

According to one embodiment of the invention, the credit ledger 295 is provided to a DBMS on a financial system provided on the credit ledger 295 establishment system (or associated with the credit ledger 295 establishment system). Preferably, the credit information ledger 295 may be a ledger D / B provided in a DBMS on the financial system and / or a predetermined database associated with the ledger D / B. The present invention is not limited.

According to another embodiment of the present invention, the credit ledger 295 is an internet banking system, and / or a telebanking system provided on (or associated with) the credit ledger 295 construction system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

The financial institution server 200 provided on the credit information ledger 295 establishment system according to the present invention is a component of the credit information ledger 295 establishment system connected to the terminal device 299 through a predetermined financial network. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 299 is a window terminal connected to a predetermined financial network, the financial company server 200 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial institution server 200 includes an interface unit 205 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 299 through the financial network. It is characterized by.

According to an exemplary embodiment of the present invention, when the terminal device 299 is a window terminal connected to a predetermined financial network, the interface unit 205 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 2, when the predetermined terminal device 299 connects a predetermined communication channel with the financial institution server 200 through the interface unit 205, the financial institution server 200 performs the credit information inquiry. To obtain a predetermined loan application, an image content corresponding to the loan application written by the customer is obtained through a predetermined image acquisition device provided in the terminal device 299, and loan application information corresponding to the loan application is obtained. Generate (or extract) at least one user interface for input (or selection) to the financial institution server 200 and transmit the generated (or extracted) user interface in conjunction with the interface unit 205 to the terminal. The interface providing unit 210 (or interface providing means) provided to the device 299 and the terminal through the user interface in the terminal device 299 When the loan application information corresponding to the application is input (or selected) and transmitted, the information receiving unit 215 (or the information) for receiving the loan application information transmitted from the terminal device 299 in association with the interface unit 205. Receiving means) and the terminal device 299 in connection with the interface unit 205 when the terminal device 299 acquires and transmits image content corresponding to the loan application written by the customer through a predetermined image obtaining device. And an image receiver 220 (or an image receiver) for receiving image contents corresponding to the loan application.

The interface providing unit 210 connects a predetermined communication channel with the financial institution server 200 through the interface unit 205 and then inquires the credit information to the financial institution server 200. When requesting a user interface for a predetermined loan application that requires a user, through the predetermined image acquisition device provided in the terminal device 299 obtains the image content corresponding to the loan application written by the customer, the loan application Generate (or select) at least one user interface for inputting (or selecting) loan application information corresponding to and transmitting the same to the financial institution server 200 through the financial network, and / or extract from a predetermined database (not shown). In response to the interface unit 205, the generated (or extracted) user interface is transferred to the terminal device 299 through the financial network. And it characterized in that.

According to another exemplary embodiment of the present invention, the terminal device 299 acquires image contents corresponding to the loan application written by the customer through a predetermined image acquisition device, and inputs loan application information corresponding to the loan application (or And a predetermined information registration program having at least one user interface for transmitting to the financial institution server 200 through the financial network, and prepared by the customer through the predetermined image acquisition device as described above. The terminal apparatus obtains image contents corresponding to the loan application form, generates (or extracts) a user interface for inputting (or selecting) loan application information corresponding to the loan application form, and transmits it to the financial institution server 200. 299, the interface providing unit 210 may be omitted, thereby the present invention It shall not be limited.

Thereafter, the terminal device 299 inputs (or selects) loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the user interface. The loan application information is transmitted to the financial institution server 200 through the financial network. In response thereto, the information receiving unit 215 is linked to the interface unit 205 and the loan application transmitted from the terminal device 299. And receiving information.

In addition, the terminal device 299 obtains the image content corresponding to the loan application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained financial information through the financial network through the financial network The image receiver 220 receives the image content corresponding to the loan application in association with the interface unit 205.

According to another exemplary embodiment of the present invention, the terminal device 299 acquires image content corresponding to the loan application written by the customer through a predetermined image acquisition device and is provided (or linked) with the terminal device 299. The terminal device 299 selects image contents corresponding to the loan application created by the customer from at least one or more image contents previously stored in the storage device through the user interface. It is transmitted to the financial institution server 200 through the financial network, and in response thereto, the image receiving unit 220 may be connected with the interface unit 205 to receive image contents corresponding to the loan application.

According to another exemplary embodiment of the present invention, when the terminal device 299 transmits the image content corresponding to the loan application written by the customer and the loan application information corresponding to the loan application through the user interface, The information receiving unit 215 may receive image content corresponding to the loan application and loan application information together with the interface unit 205 (for example, the image receiving unit 220 may be connected to the information receiving unit 215). Integrated operation), whereby the present invention is not limited.

Referring to FIG. 2, when the loan request information transmitted from the terminal device 299 is received through the information receiver 215, the financial institution server 200 receives the credit information inquiry from the received loan request information. Characterized in that it comprises a validity verification unit 225 (or validity verification means) for confirming whether the validity for the predetermined loan application required.

According to the implementation method of the present invention, the validity of the loan application information is at least one or more ledger information matching the loan application information in the ledger D / B on the financial system associated with the credit information ledger 295 establishment system It is preferable to include checking whether it is registered.

For example, the validity confirmation of the loan application information is performed on the financial system associated with the credit information ledger 295 establishment system among the customer information (customer information or member information, etc.) among the information included in the loan application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B.

Referring to FIG. 2, when the validity confirmation unit 225 confirms the validity of the loan application information, the financial institution server 200 transmits and receives the credit information of the customer information included in the validity of the loan application information. It is transmitted to the credit information company server 290 through the unit 260, and receives the credit rating information and credit rating information of the customer based on the customer information from the credit information company associated with the information storage unit 255 And a credit information inquiry unit 230 (or credit information inquiry means) stored in the credit information ledger 295.

Referring to FIG. 2, the financial institution server 200 receives the image content transmitted from the terminal device 299 through the image receiving unit 220, and the loan application information through the validity checking unit 225. When the validity is verified and the credit information of the customer is inquired through the credit information inquiry unit 230, the electronic document generator 235 for generating a predetermined loan application electronic document including the received image content. (Or an electronic document generating means) and an electronic document transmitting unit 240 (or electronic document transmitting means) for transmitting the generated loan application electronic document to an electronic document repository associated with the credit information ledger 295 construction system. It is characterized by comprising.

The electronic document generator 235 generates a loan application electronic document including the image content received from the terminal device 299 through the image receiver 220.

According to the exemplary embodiment of the present invention, the electronic document generator 235 performs the credit information inquiry as it is on the image file including the image content received from the terminal device 299 through the image receiver 220. It is desirable to process the loan application electronic document for the required loan application.

Alternatively, the electronic document generator 235 may include customer information included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. A loan application electronic document for a predetermined loan application requiring the credit information inquiry to an image file corresponding to an image content including at least one or more information among loan application information and credit inquiry approval information by a watermarking method It is preferable to generate.

According to another embodiment of the present invention, the electronic document generating unit 235 is a predetermined document file (eg, PDF) including the image content received from the terminal device 299 through the image receiving unit 220 (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 create a loan application electronic document for a given loan application as needed.

Alternatively, the electronic document generator 235 may include customer information included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. And generating image contents including at least one or more information of loan application information and credit inquiry approval information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document Format) including the generated image contents. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a loan application electronic document for a loan application.

According to another exemplary embodiment of the present invention, the electronic document generator 235 receives the image content and the information receiver 215 received from the terminal device 299 through the image receiver 220. 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 HWP / DOC, etc.) including the loan application information, or an MHT. By generating a web document file, etc.), it is preferable to generate a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

Alternatively, the electronic document generator 235 may include customer information included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. And generating image content including at least one or more information of loan application information and credit inquiry approval information by a watermarking method, and a predetermined document file including the generated image content and the loan application information (eg, Generating a PDF (Portable Document Format) file, 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 a loan application electronic document for a predetermined loan application that requires.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 235 generates a loan application electronic document in the image file format and / or a predetermined document file format, and the loan application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 240 transmits and stores the loan application electronic document generated by the electronic document generating unit 235 to a predetermined electronic document repository associated with the credit information ledger 295 construction system. It features.

As shown in FIG. 2, the electronic document repository is connected to a financial institution server 200 on the credit ledger 295 establishment system and a predetermined electronic document server 265 and electronic document D / associated with a predetermined communication means. When provided externally, including the B (285), the electronic document transmission unit 240 is the electronic document server through the communication means for the loan application electronic document generated by the electronic document generation unit 235 ( 265).

Here, when the electronic document server 265 and the electronic document D / B 285 are provided outside the credit information ledger 295 construction system, the electronic document server 265 and the electronic document D / B (285) is preferably managed by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the credit ledger 295 construction system, the electronic document transmitting unit 240 is connected to the electronic document generating unit 235. It is possible to store the loan application electronic document generated by the electronic document D / B 285 corresponding to the electronic document storage on the DBMS provided in the credit information ledger 295 construction system, thereby limiting the present invention. Not.

According to the embodiment of the present invention, the electronic document transmission unit 240 is electronic document related information for generating predetermined electronic document management information in the electronic document server 265 (for example, loan application corresponding to the image content) And customer information, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document file format information, and / or the loan application information, etc.) to the electronic document repository. It is possible, and the invention is not limited thereby.

Referring to FIG. 2, the financial institution server 200 may provide a loan application information received through the information receiver 215 for a predetermined loan application requiring the credit information inquiry through the validity verification unit 225. When the validity is authenticated and the credit information of the customer is inquired through the credit information inquiry unit 230, the customer information, the loan application information, and the credit inquiry approval information included in the validity verified loan application information may be recalled. An information generating unit 245 (or information generating means) for generating loan account information, and an account establishing unit 250 (or account opening means) for opening and processing a loan account under the customer's name including the loan account information; It is characterized by comprising.

When the credit information inquiry of the customer is completed through the credit information inquiry unit 230, the information generation unit 245 is based on the customer information, loan application information, credit inquiry approval information included in the loan application information; Characterized by generating loan account information.

Here, the loan account information preferably comprises account number and interest rate information corresponding to the loan account opened based on the loan application information.

In addition, the information generation unit 245 may be used to determine whether to generate the loan account information according to the credit rating of the customer corresponding to the credit inquiry result of the credit information inquiry unit 230.

The account establishment unit 250 generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and is provided), After generating predetermined account ledger information including the loan account information and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the credit information inquiry is required in response to the loan application information. It is characterized in that the opening of a predetermined loan account for a predetermined loan application.

According to an embodiment of the present invention, when the financial company server 200 and the financial system exist in the same system, the account opening unit 250 includes loan account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 200 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 250 may perform the communication through the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the loan account information through an external system on the financial system.

Referring to FIG. 2, the financial institution server 200 may provide a loan application information received through the information receiver 215 for a predetermined loan application requiring the credit information inquiry through the validity verification unit 225. When the validity is authenticated and the credit information of the customer is inquired through the credit information inquiry unit 230, the customer information, credit evaluation information, credit rating information, and validity period information included in the loan application information whose validity is verified And an information storage unit 255 (or information storage means) for storing the credit inquiry information including at least one of the information in the predetermined credit information ledger 295.

When the validity of the loan application information is confirmed by the validity confirmation unit 225, and the credit information of the customer is inquired through the credit information inquiry unit, the information storage unit 255 is included in the loan application information. The credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information is stored in the credit information ledger 295.

According to an embodiment of the present invention, when the credit information ledger 295 is provided in the financial institution server 200 or on the network associated with the financial institution server 200, the information storage unit 255 may be Preferably, the credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the received loan application information is stored in the credit information ledger 295.

According to another exemplary embodiment of the present invention, when the credit information ledger 295 is provided in a DBMS provided on a financial system, the information storage unit 255 may include the customer information included in the received loan application information. It is preferable to provide credit inquiry information including at least one or more credit rating information, credit rating information, and expiration date information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Referring to FIG. 2, the financial institution server 200 receives the customer information included in the loan application information validated through the validity verification unit 225 from the credit information inquiry unit 230, and receives the credit. Transmitting to the information company server 290, and receives the credit rating information and credit rating information from the credit information company server 290 based on the customer information and transmits and receives the credit information provided to the credit information inquiry unit 230 A unit 260 (or credit information transmission and reception means) is provided.

2, a predetermined loan application electronic document is received from the financial institution server 200 provided on the credit information ledger 295 construction system, and stored and managed in a predetermined electronic document D / B 285. The electronic document server 265 may include an electronic document receiver 270 that receives a predetermined loan application electronic document from the financial institution server 200 through a predetermined communication means, and transmits the received loan application electronic document to the electronic document D. The information generation unit 275 for generating predetermined electronic document management information for storage and management in the B / B 285, and the electronic document management information and the loan application electronic document by linking the predetermined electronic document D / B. And an electronic document storage unit 280 for storing in 285.

The electronic document receiving unit 270 may receive a loan application electronic document in the form of an image file and / or a document file from the financial institution server 200 through the communication means.

According to one embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 270 through the communication means includes the image content received by the financial institution server 200 from the terminal device 299. It is preferable that the image file is included as it is.

Alternatively, the loan application electronic document received by the electronic document receiving unit 270 through the communication means is a customer included in the loan application information in the image content received by the financial institution server 200 from the terminal device 299. It is preferable to include an image file corresponding to the image content including at least one or more information of the information, loan application information, credit inquiry approval information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 270 through the communication means includes the image content received by the financial institution server 200 from the terminal device 299. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the loan application electronic document received by the electronic document receiving unit 270 through the communication means may include customer information included in the loan application information in the image content received by the financial institution server 200 from the terminal device 299. A predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) including image content including at least one or more information of loan application information and credit inquiry approval information in a watermarking manner. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 270 through the communication means may include an image content received by the financial institution server 200 from the terminal device 299. A predetermined document file including the loan 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 such as HWP / DOC, or MHT) Web document files, etc.).

Alternatively, the loan application electronic document received by the electronic document receiving unit 270 through the communication means may include customer information included in the loan application information in the image content received by the financial institution server 200 from the terminal device 299. Image content including at least one or more information among loan application information and credit inquiry approval information by a watermarking method, and a predetermined document file (eg, a PDF (Portable Document Format) file) including the loan application information, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

The information generating unit 275 is a predetermined electronic document unique number (or unique information) to be assigned to the loan application electronic document received through the electronic document receiving unit 270, and the loan through the electronic document receiving unit 270 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the loan application electronic document was stored) when the electronic document was received.

According to the exemplary embodiment of the present invention, the information generating unit 275 refers to the loan request electronic document by referring to the financial institution server 200 that has transmitted the loan request electronic document received through the electronic document receiving unit 270. It is preferable to identify the financial institution that has been transmitted and to 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 200 through the electronic document receiving unit 270, the information generating unit 275 may receive the received electronic document. Document-related information (e.g., customer information for creating a loan application corresponding to the image content, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document file format information, and / or the loan application information It is preferable to generate the electronic document management information further including).

The electronic document storage unit 280 associates a loan application electronic document received through the electronic document receiving unit 270 with electronic document management information generated through the information generating unit 275 to process a predetermined electronic document D /. It stores in the B (285).

According to the exemplary embodiment of the present invention, the loan application electronic document stored in the electronic document D / B 285 by the electronic document storage unit 280 is received by the financial institution server 200 from the terminal device 299. It is preferable to include an image file including one image content as it is.

Alternatively, the loan application electronic document stored in the electronic document D / B 285 by the electronic document storage unit 280 is the loan to the image content received by the financial institution server 200 from the terminal device 299. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, loan application information, credit inquiry approval information included in the application information in a watermarking (Watermarking) method.

According to another embodiment of the present invention, the loan application electronic document that the electronic document storage unit 280 stores in the electronic document D / B (285) is the financial company server 200 from the terminal device (299) A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the received image content, or an MHT. Web document files, etc.).

Alternatively, the loan application electronic document stored in the electronic document D / B 285 by the electronic document storage unit 280 may apply for the loan to the image content received by the financial institution server 200 from the terminal device 299. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one or more of customer information, loan application information, and credit inquiry approval information included in the information by a watermarking method; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the loan application electronic document that the electronic document storage unit 280 stores in the electronic document D / B (285) is the financial company server 200 is the terminal device (299) A word processor including at least one of a 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 loan application information and the loan application information. File, or a web document file including MHT).

Alternatively, the loan application electronic document stored in the electronic document D / B 285 by the electronic document storage unit 280 may apply for the loan to the image content received by the financial institution server 200 from the terminal device 299. Image contents including at least one or more of customer information, loan application information, and credit inquiry approval information included in the information by a watermarking method, and a predetermined document file (eg, PDF (Portable) including the loan application 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.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 285 by the electronic document storage unit 280 in association with the loan application electronic document is stored in the loan application electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned 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 285 by the electronic document storage unit 280 in association with the loan application electronic document is the loan application electronic document. It is preferable that the financial institution server 200 that has transmitted the information about the financial institution that sent the loan application electronic document is confirmed that further comprises.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 200, the electronic document storage unit 280 processes the electronic document by linking with the loan application electronic document. The electronic document management information stored in the D / B 285 may include financial information for transmitting the electronic document related information (for example, customer information for which a loan application corresponding to the image content is created, and / or the loan application electronic document). Institution information, and / or electronic document file format information, and / or the loan application information).

3 is a diagram illustrating an implementation method in which a credit information ledger 295 is provided in a DBMS on a financial system for storing credit inquiry information corresponding to a loan account opened in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates a case where the credit information ledger 295 illustrated in FIG. 2 is the ledger D / B 300 provided in the DBMS on the financial system or the ledger D / B 300. As the information structure for one embodiment of the credit inquiry information is stored in the ledger information provided in the ledger D / B (300), if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying 3, it is possible to infer various information construction methods for storing the credit inquiry information in the ledger D / B 300, but the present invention includes all the inferred implementation methods, and this figure. It is not limited only to the implementation method shown in 3.

Referring to Figure 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (300) provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and It is shown that the account ledger corresponding to the loan account opened through the illustrated credit information ledger 295 establishment system and the credit information ledger 295 associated with the customer ledger. If the person skilled in the art, the ledger D / B 300 provided in the DBMS on the financial system includes at least one ledger and / or in addition to the customer ledger, account ledger and credit information ledger 295 shown in FIG. It will be clearly understood that at least one additional information is further included for maintaining and managing the ledgers, and should be familiar with specific technical matters. Therefore, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the loan account, if the person having ordinary knowledge in the technical field to which the present invention belongs, included in the account ledger and the additional information configuration Since the content and characteristics of the information will be clearly understood, a detailed description thereof will be omitted for convenience.

The credit information ledger 295 is a national bank corresponding to the customer ledger for a predetermined loan application requiring the credit information inquiry and registered as a comprehensive credit information concentration institution through the credit information inquiry unit 230. The ledger was created by receiving credit rating information and credit rating information of the customer from a credit information company licensed by the Federation or the Financial Supervisory Commission, which includes identification information, establishment information, personal loan information, personal debt guarantee information At least one or more of the company's credit donation information, delinquency information, credit payment / payment information, bankruptcy information, related information, financial order disorder information, public record information, special record information, credit rating information, general delinquency information, and the like.

Referring to FIG. 3 including the implementation method provided in the ledger D / B 300 or the ledger D / B 300 according to an embodiment of the present invention, The customer includes credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the loan application information provided through the credit information ledger 295 establishment system shown in FIG. And stored in the credit information ledger 295 corresponding to the ledger.

* The customer information includes the personal information of the customer (eg, customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the member's member information (eg, the customer makes a financial transaction of the financial institution). By registering as a customer, member ID information, CIF (Customer Information File), etc., which are provided in the customer ledger provided on the financial system linked to the credit information ledger 295 establishment system in response to the customer, It is preferable to comprise at least one or more.

The loan application information is information that the customer provides to the financial institution when applying for the loan, loan request amount, loan period, loan interest rate, collateral information (for example, land, buildings, securities, art, antiques, other goods, etc.) , At least one or more of the result of the security examination (eg, valuation of collateral).

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The credit rating information corresponds to the inquiry result when the financial institution inquires the credit information of the customer through a credit information company licensed by the National Bank Federation or the Financial Supervisory Commission registered as the comprehensive credit information concentration institution. Information provided by the National Bank Federation or a credit information company to the financial institution, identification information (resident registration number, name, occupation, etc.), credit transaction information, public record information, financial order information, credit capacity information, special record information It is preferable to include at least one or more.

The credit rating information is a credit rating measurement calculated based on the credit information of the customer collected by the National Bank Federation or a credit information company, and includes credit rating information (for example, 1 to 10 ratings) of the customer. It is preferable.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

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

4A and 4B illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry in a face-to-face manner according to one embodiment of the present invention.

4A and 4B show the terminal device 299 of the credit information ledger 295 construction system shown in FIG. 2 at a financial institution branch (or branch), and the financial institution server 200. )) Has a ledger server (not shown) function in the financial system linked to the window terminal through a predetermined financial network, a predetermined customer may apply for a loan account for a predetermined loan application requiring credit information inquiry. When a loan application including at least one of customer information, loan application information, and credit inquiry approval information is prepared and opened to open, a predetermined loan application that requires the credit information inquiry based on the loan application at the financial institution As a system configuration for storing credit inquiry information for the credit information ledger (295), and open the loan account in a face-to-face manner, specifically When the customer fills out the loan application form and submits it to the window, the window terminal acquires predetermined image content corresponding to the loan application through a predetermined image acquisition device and transmits the predetermined image content to the financial institution server 200. And inputting (or selecting) loan application information corresponding to the loan application to the financial institution server 200, the financial institution server 200 at least one or more of the customer information, loan application information, credit inquiry approval information. A method of storing credit inquiry information for a predetermined loan application requiring the credit information inquiry on the basis of the loan application information included in the predetermined credit information ledger 295 and opening the loan account is shown. It is.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the loan application information with the financial company server 200 at the teller terminal by referring to and / or modified with reference to Figures 4a and 4b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 4A and 4B.

For example, although the implementation method shown in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the loan application and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 4A and 4B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the loan application through a predetermined image acquisition device. Although a user interface for inputting (or selecting) loan application information corresponding to the loan application is illustrated and provided from the financial institution server 200, the user is provided with a predetermined information registration program in the window terminal. The interface does not have to be provided from the financial institution server 200, and the present invention is not limited thereto.

In the following Figures 4a and 4b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 200 shown in Figure 2 is referred to as "server" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer fills out and submits a loan application including at least one of customer information, loan application information, and credit inquiry approval information for a predetermined loan application requiring credit information inquiry. 2 is a user for a predetermined loan application requiring credit information inquiry corresponding to the loan application in a state in which a teller terminal connected to the server through a predetermined financial network is connected to a predetermined communication channel. When requesting an interface (400), the server generates a user interface for acquiring a predetermined image content corresponding to the loan application written by the customer through the predetermined image obtaining apparatus in the terminal and transmitting the predetermined image content to the server. (Or extract) (405) and the generated (or extracted) user interface through the financial network And it outputs it to the transmission 410. The

Thereafter, the terminal acquires image content corresponding to the loan application through a predetermined image obtaining apparatus based on the user interface (415).

If image content corresponding to the loan application is obtained through the image acquisition device (420), the terminal transmits the acquired image content to the server through the financial network (425).

Thereafter, the server inputs (or selects) loan application information including at least one or more customer information, loan application information, and credit inquiry approval information corresponding to the loan application matching the image content, and transmits the user to the server. An interface is generated (or extracted) (430), and the generated (or extracted) user interface is transmitted to the terminal and output (435) through the financial network.

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the user interface (440).

If loan application information including at least one of the customer information, loan application information, and credit inquiry approval information is input (or selected) through the user interface (445), the terminal transmits the information to the server through the financial network. The loan application information input (or selected) is transmitted (450).

Thereafter, the server receives and reads loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the financial network to check the validity of the loan application information (455).

According to the implementation method of the present invention, the validity check of the loan application information is at least one or more matching the loan application information to the ledger D / B 300 on the financial system associated with the credit information ledger 295 establishment system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the loan application information is performed on the financial system associated with the credit information ledger 295 establishment system among the customer information (customer information or member information, etc.) among the information included in the loan application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B (300).

If the validity of the loan application information is not authenticated (460), the server generates predetermined loan account error information and transmits it to the terminal (465), and performs a loan account opening procedure corresponding to the loan application information. I never do that.

On the other hand, if the validity of the loan application information is authenticated (460), the server transmits the customer information included in the loan application information validated to the credit information company server 290 (466).

Thereafter, the credit information company server 290 transmits the credit evaluation information and the credit rating information of the customer inquired based on the customer information received from the server (467).

Thereafter, the server stores the credit evaluation information and the credit rating information received from the credit information company server 290 in the credit information ledger 295 (468).

Thereafter, the server generates a predetermined loan application electronic document including the image content (470).

According to an embodiment of the present invention, the server is a predetermined loan that requires the credit information inquiry as it is the image file including the image content received from the terminal device 299 through the image receiving unit 220 It is desirable to process the loan application electronically for the application.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. It is preferable to generate a loan application electronic document for a predetermined loan application requiring the credit information inquiry of an image file corresponding to image content including at least one or more information of the inquiry approval information by a watermarking method. .

According to another exemplary embodiment of the present disclosure, 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 299 through the image receiving unit 220. , 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). It is desirable to create a loan application electronic document for the application.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. Generate image content including at least one or more information of the inquiry approval information by a watermarking method, and include a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), so that a loan for a predetermined loan application requiring the credit information inquiry can be obtained. It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device 299 through the image receiving unit 220 and loan application information received through the information receiving unit 215. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to generate a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. Generates image content including at least one or more pieces of inquiry approval information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the loan application information. A file, or an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create a loan application electronic document for the loan application.

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

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (475).

As shown in FIG. 2, the electronic document repository is connected with a server on the credit ledger 295 establishment system and a predetermined electronic document server 265 and an electronic document D / B 285 connected through predetermined communication means. When provided to the outside including the, it is preferable that the server transmits the generated loan application electronic document to the electronic document server 265 through the communication means to store in the electronic document D / B (285) Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the credit ledger 295 establishment system, the server includes the generated loan application electronic document in the credit information ledger 295 establishment system. It is possible to store in the electronic document D / B 285 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Figure 2 by processing the generated loan application electronic document and predetermined electronic document management information It is preferable to include storing in / B (285).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a loan application corresponding to the image content, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document). File format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (480), the server generates the loan account information based on the customer information, loan application information, credit inquiry approval information included in the loan application information ( 485).

In addition, the server may be used to determine whether to generate the loan account information according to the customer's credit rating corresponding to the customer's credit inquiry result.

Here, the loan account information preferably comprises account number and interest rate information corresponding to the loan account opened based on the loan application information.

Thereafter, the server opens and processes a loan account of the customer's name including the loan account information based on the customer information, loan application information, and credit inquiry approval information included in the loan application information in association with the financial system. (490).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generate the credit information ledger 295 associated with the customer ledger, generate predetermined account ledger information including the loan account information, and then store the account in the predetermined account ledger associated with the customer ledger. By storing the ledger information, a predetermined loan account for a predetermined loan application requiring the credit information inquiry corresponding to the loan application information is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the loan account information in the ledger D / B 300 in association with the financial system. And generate the credit information ledger 295 associated with the customer ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined account ledger including the loan account information and the credit ledger 295 associated with the customer ledger.

Thereafter, the server generates credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the loan application information, and establishes a predetermined credit information ledger in association with the financial system. (295) (495)

According to an embodiment of the present invention, when the credit information ledger 295 is provided in the server or on the network associated with the server, the server may include the customer information included in the received loan application information. Preferably, the credit inquiry information including at least one or more credit rating information, credit rating information, and expiration date information is stored in the credit information ledger 295.

According to another exemplary embodiment of the present invention, when the credit information ledger 295 is provided in a DBMS provided on a financial system, the server includes the customer information, credit rating information, and credit included in the received loan application information. It is preferable to provide credit inquiry information including at least one rating information and expiration date information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, and / or the details of storing the loan application electronic document in the electronic document repository, and / or the credit information ledger 295). The details of storing the loan application information) are generated (or extracted) and transmitted to the terminal (499).

According to one embodiment of the invention, the credit ledger 295 is provided to a DBMS on a financial system provided on the credit ledger 295 establishment system (or associated with the credit ledger 295 establishment system). Preferably, the credit information ledger 295 is a ledger D / B 300 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 300. The present invention is not limited thereto.

According to another embodiment of the present invention, the credit ledger 295 is an internet banking system, and / or a telebanking system provided on (or associated with) the credit ledger 295 construction system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

5A and 5B illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B show the terminal terminal 299 on the credit information ledger 295 construction system shown in FIG. 2, which is provided at a branch of a financial institution (or a branch), and the financial institution server 200. )) Has a ledger server (not shown) function in the financial system linked to the window terminal through a predetermined financial network, a predetermined customer may apply for a loan account for a predetermined loan application requiring credit information inquiry. When a loan application including at least one or more of customer information, loan application information, and credit inquiry approval information is prepared and opened in order to open, the financial institution needs to inquire the credit information in a face-to-face manner based on the loan application. It is a system configuration for storing credit inquiry information for loan application in the predetermined credit information ledger 295 and opening and processing a loan account. When the customer fills out the loan application form and submits it to the window, the window terminal inputs (or selects) loan application information corresponding to the loan application and transmits it to the financial company server 200, and then a predetermined image. Obtaining predetermined image content corresponding to the loan application through an acquisition device and transmitting the predetermined image content to the financial institution server 200, the financial institution server 200 at least one or more of the customer information, loan application information, credit inquiry approval information Based on the loan application information, including the credit information for a predetermined loan application that requires the credit information inquiry stored in a predetermined credit information ledger (295), and shows the implementation method of opening the loan account processing It is.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the loan application information with the financial company server 200 at the window terminal by referring to and / or modified with reference to the drawings 5a and 5b. It 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 loan application and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 5A and 5B including the process of generating and storing the electronic document, the teller terminal acquires predetermined image contents corresponding to the loan application through a predetermined image obtaining apparatus. Although a user interface for inputting (or selecting) loan application information corresponding to the loan application is illustrated and provided from the financial institution server 200, the user is provided with a predetermined information registration program in the window terminal. The interface does not have to be provided from the financial institution server 200, and the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 2 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the financial company server 200 shown in FIG. 2 will be referred to as "server" for convenience. The customer information, loan application information, and credit inquiry approval information transmitted to the financial company server 200 are referred to as "loan application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer fills out and submits a loan application including at least one of customer information, loan application information, and credit inquiry approval information for a predetermined loan application requiring credit information inquiry. 2 is a user for a predetermined loan application requiring credit information inquiry corresponding to the loan application in a state in which a teller terminal connected to the server through a predetermined financial network is connected to a predetermined communication channel. Upon requesting the interface (500), the server correspondingly inputs (or selects) loan application information including at least one of customer information, loan application information, and credit inquiry approval information corresponding to the loan application written by the customer. Generate (or extract) a user interface for transmission to the server (505), and generate (or extract) through the financial network And it transmits the output to the user interface to the mobile station 510. The

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the user interface (515).

If loan application information including at least one or more of the customer information, loan application information, and credit inquiry approval information is input (or selected) through the user interface (520), the terminal transmits the information to the server through the financial network. The loan application information input (or selected) is transmitted (525).

Thereafter, the server receives and reads loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the financial network to check the validity of the loan application information (530).

According to the implementation method of the present invention, the validity check of the loan application information is at least one or more matching the loan application information to the ledger D / B 300 on the financial system associated with the credit information ledger 295 establishment system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the loan application information is performed on the financial system associated with the credit information ledger 295 establishment system among the customer information (customer information or member information, etc.) among the information included in the loan application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B (300).

If the validity of the loan application information is not authenticated (535), the server generates predetermined loan account error information and transmits it to the terminal (540), and performs a loan account opening procedure corresponding to the loan application information. I never do that.

On the other hand, if the validity of the loan application information is authenticated (535), the server transmits the customer information included in the loan application information validated to the credit information company server 290 (541).

Thereafter, the credit information company server 290 transmits the credit evaluation information and the credit rating information of the customer inquired based on the customer information received from the server (542).

Thereafter, the server stores the credit evaluation information and the credit rating information received from the credit information company server 290 in the credit information ledger 295 (543).

Thereafter, the server generates (or extracts) a user interface for acquiring the predetermined image content corresponding to the loan application written by the customer through the predetermined image obtaining apparatus and transmitting it to the server (545), The generated (or extracted) user interface is transmitted to the terminal and output through the financial network (550).

Thereafter, the terminal acquires image content corresponding to the loan application through a predetermined image obtaining apparatus based on the user interface (555).

If image content corresponding to the loan application is obtained through the image acquisition device (560), the terminal transmits the obtained image content to the server through the financial network (565).

The server receiving the loan application information and the image content from the terminal generates a predetermined loan application electronic document including the image content (570).

According to an embodiment of the present invention, the server is a predetermined loan that requires the credit information inquiry as it is the image file including the image content received from the terminal device 299 through the image receiving unit 220 It is desirable to process the loan application electronically for the application.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. It is preferable to generate a loan application electronic document for a predetermined loan application requiring the credit information inquiry of an image file corresponding to image content including at least one or more information of the inquiry approval information by a watermarking method. .

According to another exemplary embodiment of the present disclosure, 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 299 through the image receiving unit 220. , 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). It is desirable to create a loan application electronic document for the application.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. Generate image content including at least one or more information of the inquiry approval information by a watermarking method, and include a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), so that a loan for a predetermined loan application requiring the credit information inquiry can be obtained. It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device 299 through the image receiving unit 220 and loan application information received through the information receiving unit 215. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to generate a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. Generates image content including at least one or more pieces of inquiry approval information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the loan application information. A file, or an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create a loan application electronic document for the loan application.

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

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

As shown in FIG. 2, the electronic document repository is connected with a server on the credit ledger 295 establishment system and a predetermined electronic document server 265 and an electronic document D / B 285 connected through predetermined communication means. When provided to the outside including the, it is preferable that the server transmits the generated loan application electronic document to the electronic document server 265 through the communication means to store in the electronic document D / B (285) Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the credit ledger 295 establishment system, the server includes the generated loan application electronic document in the credit information ledger 295 establishment system. It is possible to store in the electronic document D / B 285 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Figure 2 by processing the generated loan application electronic document and predetermined electronic document management information It is preferable to include storing in / B (285).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a loan application corresponding to the image content, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document). File format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (580), the server generates the loan account information based on the customer information, loan application information, credit inquiry approval information included in the loan application information ( 585).

In addition, the server may be used to determine whether to generate the loan account information according to the customer's credit rating corresponding to the customer's credit inquiry result.

Here, the loan account information preferably comprises account number and interest rate information corresponding to the loan account opened based on the loan application information.

Thereafter, the server opens and processes a loan account of the customer's name including the loan account information based on the customer information, loan application information, and credit inquiry approval information included in the loan application information in association with the financial system. (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the loan account opening application information in association with the financial system (or matches a customer ledger provided with the customer information. Check), generate the credit information ledger 295 associated with the customer ledger, generate predetermined account ledger information including the loan account information, and then add the predetermined account ledger to the predetermined account ledger associated with the customer ledger. By storing the account ledger information, a predetermined loan account for a predetermined loan application requiring the credit information inquiry in response to the loan application information is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the loan account information in the ledger D / B 300 in association with the financial system. And generate the credit information ledger 295 associated with the customer ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined account ledger including the loan account information and the credit ledger 295 associated with the customer ledger.

Thereafter, the server generates credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the loan application information and stores the credit inquiry information in a predetermined credit ledger 295. (595)

According to an embodiment of the present invention, when the credit information ledger 295 is provided in the server or on the network associated with the server, the server may include the customer information included in the received loan application information. Preferably, the credit inquiry information including at least one or more credit rating information, credit rating information, and expiration date information is stored in the credit information ledger 295.

According to another exemplary embodiment of the present invention, when the credit information ledger 295 is provided in a DBMS provided on a financial system, the server includes the customer information, credit rating information, and credit included in the received loan application information. It is preferable to provide credit inquiry information including at least one rating information and expiration date information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, and / or the details of storing the loan application electronic document in the electronic document repository, and / or the credit information ledger 295). The details of storing the loan application information) are generated (or extracted) and transmitted to the terminal (599).

According to one embodiment of the invention, the credit ledger 295 is provided to a DBMS on a financial system provided on the credit ledger 295 establishment system (or associated with the credit ledger 295 establishment system). Preferably, the credit information ledger 295 is a ledger D / B 300 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 300. The present invention is not limited thereto.

According to another embodiment of the present invention, the credit ledger 295 is an internet banking system, and / or a telebanking system provided on (or associated with) the credit ledger 295 construction system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

* Figures 6a and 6b is a view showing a loan account opening process for a predetermined loan application requiring credit information inquiry in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals in which a terminal device 299 on the credit information ledger 295 construction system shown in FIG. 2 is provided at a branch of a financial institution (or a branch), and the financial institution server 200 )) Has a ledger server (not shown) function in the financial system linked to the window terminal through a predetermined financial network, a predetermined customer may apply for a loan account for a predetermined loan application requiring credit information inquiry. When a loan application including at least one or more of customer information, loan application information, and credit inquiry approval information is prepared and opened in order to open, the financial institution needs to inquire the credit information in a face-to-face manner based on the loan application. It is a system configuration for storing credit inquiry information for loan application in the predetermined credit information ledger 295 and opening and processing a loan account. When the customer fills out the loan application form and submits it to the window, the window terminal acquires predetermined image content corresponding to the loan application through a predetermined image acquisition device, and loan application information corresponding to the loan application. After inputting (or selecting), if the image content and the loan application information are transmitted to the financial institution server 200, the financial institution server 200 includes at least one of the customer information, loan application information, and credit inquiry approval information. Based on the loan application information including the above method for storing the credit inquiry information for a predetermined loan application requiring the credit information inquiry in a predetermined credit information ledger (295), and the process of opening the loan account It is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the loan application information with the financial company server 200 at the teller terminal by referring to and / or modifying the drawings 6a and 6b. It 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 loan application and storing it in an electronic document storage, the process may be omitted according to the intention of the skilled person. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image content corresponding to the loan application through a predetermined image acquisition device. Although a user interface for inputting (or selecting) loan application information corresponding to the loan application is illustrated and provided from the financial institution server 200, the user is provided with a predetermined information registration program in the window terminal. The interface does not have to be provided from the financial institution server 200, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial company server 200 shown in Figure 2 is referred to as "server" for convenience, and said window terminal The customer information, loan application information, and credit inquiry approval information transmitted to the financial company server 200 are referred to as "loan application information" for convenience.

Referring to FIGS. 6A and 6B, when a predetermined customer fills out and submits a loan application including at least one of customer information, loan application information, and credit inquiry approval information for a predetermined loan application requiring credit information inquiry. 2 is a user for a predetermined loan application requiring credit information inquiry corresponding to the loan application in a state in which a window terminal connected to the server through a predetermined financial network is connected to a predetermined communication channel. When requesting the interface (600), in response to the server inputs (or selects) the loan application information corresponding to the loan application written by the customer in the terminal, and corresponding to the loan application through a predetermined image acquisition device Generate (or extract) a user interface for acquiring and transmitting predetermined image content to the server (605); And it outputs the generated transmission over a yungmang (or extracted) user interface to the mobile station 610. The

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the user interface (615).

If loan application information including at least one of the customer information, loan application information, and credit inquiry approval information is input (or selected) through the user interface (620), the terminal displays a predetermined image based on the user interface. An image content corresponding to the loan application is obtained through an acquisition device (625).

If the image content corresponding to the loan application is obtained through the image acquisition device (630), the terminal transmits the loan application information and the image content to the server through the financial network (635).

Thereafter, the server receives and reads loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the financial network to check the validity of the loan application information (640).

According to the implementation method of the present invention, the validity check of the loan application information is at least one or more matching the loan application information to the ledger D / B 300 on the financial system associated with the credit information ledger 295 establishment system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the loan application information is performed on the financial system associated with the credit information ledger 295 establishment system among the customer information (customer information or member information, etc.) among the information included in the loan application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B (300).

If the validity of the loan application information is not authenticated (645), the server generates predetermined loan account error information and transmits it to the terminal (650), and performs a loan account opening procedure corresponding to the loan application information. I never do that.

On the other hand, if the validity of the loan application information is authenticated (645), the server transmits the customer information included in the loan application information validated to the credit information company server 290 (651).

Then, the credit information company server 290 transmits the credit rating information and credit rating information to the server based on the customer information received from the server (652).

Thereafter, the server stores the credit evaluation information and the credit rating information received from the credit information company server 290 in the credit information ledger 295 (653).

Thereafter, the server generates a predetermined loan application electronic document including the image content (655).

According to an embodiment of the present invention, the server is a predetermined loan that requires the credit information inquiry as it is the image file including the image content received from the terminal device 299 through the image receiving unit 220 It is desirable to process the loan application electronically for the application.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. It is preferable to generate a loan application electronic document for a predetermined loan application requiring the credit information inquiry of an image file corresponding to image content including at least one or more information of the inquiry approval information by a watermarking method. .

According to another exemplary embodiment of the present disclosure, 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 299 through the image receiving unit 220. , 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). It is desirable to create a loan application electronic document for the application.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. Generate image content including at least one or more information of the inquiry approval information by a watermarking method, and include a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), so that a loan for a predetermined loan application requiring the credit information inquiry can be obtained. It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device 299 through the image receiving unit 220 and loan application information received through the information receiving unit 215. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to generate a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

Alternatively, the server may include customer information, loan application information, and credit included in the loan application information received through the information receiver 215 in the image content received from the terminal device 299 through the image receiver 220. Generates image content including at least one or more pieces of inquiry approval information by a watermarking method, and includes a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the loan application information. A file, or an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create a loan application electronic document for the loan application.

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

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (660).

As shown in FIG. 2, the electronic document repository is connected with a server on the credit ledger 295 establishment system and a predetermined electronic document server 265 and an electronic document D / B 285 connected through predetermined communication means. When provided to the outside including the, it is preferable that the server transmits the generated loan application electronic document to the electronic document server 265 through the communication means to store in the electronic document D / B (285) Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the credit ledger 295 establishment system, the server includes the generated loan application electronic document in the credit information ledger 295 establishment system. It is possible to store in the electronic document D / B 285 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Figure 2 by processing the generated loan application electronic document and predetermined electronic document management information It is preferable to include storing in / B (285).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information may include predetermined electronic document-related information (eg, customer information for preparing a loan application corresponding to the image content, and / or financial institution information for transmitting the loan application electronic document, and / or electronic document). File format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (665), the server generates the loan account information based on the customer information, loan application information, credit inquiry approval information included in the loan application information ( 670).

In addition, the server may be used to determine whether to generate the loan account information according to the customer's credit rating corresponding to the customer's credit inquiry result.

Here, the loan account information preferably comprises an account number and interest rate information corresponding to the loan account opened based on the loan application information.

Thereafter, the server opens and processes a loan account of the customer's name including the loan account information based on the customer information, loan application information, and credit inquiry approval information included in the loan application information in association with the financial system. (675).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generate the credit information ledger 295 associated with the customer ledger, generate predetermined account ledger information including the loan account information, and then store the account in the predetermined account ledger associated with the customer ledger. By storing the ledger information, a predetermined loan account for a predetermined loan application requiring the credit information inquiry corresponding to the loan application information is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the loan account information in the ledger D / B 300 in association with the financial system. And generate the credit information ledger 295 associated with the customer ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 300 on the financial system to generate a predetermined account ledger including the loan account information and the credit ledger 295 associated with the customer ledger.

Thereafter, the server generates credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the loan application information and stores the credit inquiry information in a predetermined credit ledger 295. (680)

According to an embodiment of the present invention, when the credit information ledger 295 is provided in the server or on the network associated with the server, the server may include the customer information included in the received loan application information. Preferably, the credit inquiry information including at least one or more credit rating information, credit rating information, and expiration date information is stored in the credit information ledger 295.

According to another exemplary embodiment of the present invention, when the credit information ledger 295 is provided in a DBMS provided on a financial system, the server includes the customer information, credit rating information, and credit included in the received loan application information. It is preferable to provide credit inquiry information including at least one rating information and expiration date information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, and / or the details of storing the loan application electronic document in the electronic document repository, and / or the credit information ledger 295). The details of storing the loan application information) are generated (or extracted) and transmitted to the terminal (685).

According to one embodiment of the invention, the credit ledger 295 is provided to a DBMS on a financial system provided on the credit ledger 295 establishment system (or associated with the credit ledger 295 establishment system). Preferably, the credit information ledger 295 is a ledger D / B 300 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 300. The present invention is not limited thereto.

According to another embodiment of the present invention, the credit ledger 295 is an internet banking system, and / or a telebanking system provided on (or associated with) the credit ledger 295 construction system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

7 is a diagram illustrating a non-face-to-face credit information ledger 790 construction system for a predetermined loan application requiring credit information inquiry according to another embodiment of the present invention.

In more detail, Figure 7 shows that a predetermined customer provides loan application information including at least one of predetermined customer information, loan application information, and credit inquiry approval information through a predetermined loan account opening interface to the financial institution. A financial institution opens a loan account for a predetermined loan application requiring the credit information inquiry based on the loan application information, and provides credit inquiry information for the predetermined loan application requiring the credit information inquiry. As a system configuration for storing in the credit information ledger 790, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a predetermined loan requiring credit information inquiry by referring to and / or modifying the drawing of FIG. Various implementation methods for the construction of the credit information ledger 790 establishment system for the application may be inferred, but the present invention is Includes all embodiments estimation method, it shall not be limited to the exemplary method shown in the figure 7.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs, the credit information ledger 790 omitting the method of storing the loan application electronic document in the electronic document repository by referring to and / or modifying the drawing 7. It is possible to infer the construction system configuration, and also in the case where the loan application electronic document is stored in the electronic document repository, the electronic document repository is constructed by the credit information ledger 790 in addition to the implementation method shown in FIG. Although it is possible to infer an implementation method provided in a DBMS located in the present invention, 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. 7, the loan application electronic document is described as being generated by the server side on the credit information ledger 790 construction system, but the present invention is not limited thereto. The loan application electronic document may be generated on the terminal side which inputs (or selects) the loan application information and transmits the loan application information (eg, the electronic document generation function provided on the server side is provided on the terminal side. Document), by which the present invention is not limited.

In addition, in the present invention, there may be a variety of financial transaction services through the credit information inquiry, but for convenience described financial transaction services on the basis of the loan, not limited to this, and includes a financial transaction service that requires all credit information inquiry do.

Hereinafter, the loan application information is provided from the customer through a predetermined loan account opening interface on the credit information ledger 790 construction system shown in FIG. 7 so that the customer opens the loan account. A component corresponding to at least one or more means and / or functional configurations for generating a loan application electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a credit information ledger 790 construction system for a predetermined loan application requiring the credit information inquiry includes at least a wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 795 including at least one or more including one or more client terminals, the terminal device 795 is configured on the credit information ledger 790 building system through a predetermined network means The financial company server 700 provided in the communication channel is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 700 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, When the loan application information for the predetermined loan application requiring the credit information inquiry is input (or selected) through at least one user interface provided by the financial institution server 700, the client terminal transmits the loan application information through a predetermined network means. It is preferable to transmit to the financial institution server 700 provided on the credit information ledger 790 construction system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 795 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 795 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. Generic term for all terminal devices 795 connected to the x-based portable Internet and / or all terminal devices 795 connected to the 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 700 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 700 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 700, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 700. 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 700, 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 credit information ledger 790 building 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 connecting the client terminal and the financial company server 700. The wired communication network and / or the wireless communication network perform a function of a loan account opening interface for registering loan application information for a predetermined loan application for which the customer needs the credit information inquiry.

According to another exemplary embodiment of the present invention, the terminal device 795 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the credit information ledger 790 construction system as described above, when the terminal device 795 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) are provided. The financial network connecting the financial company server 700 performs a function of a loan account opening interface for registering loan application information for a predetermined loan application for which the customer needs the credit information inquiry, and / or the When the terminal device 795 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 financial company server 700 may be used. Perform a function of a loan account opening interface for registering a loan application information for a predetermined loan application for which the customer needs the credit information inquiry, and / or the terminal device 795 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) The network connecting the financial company server 700 performs a function of a loan account opening interface for registering loan application information for a predetermined loan application for which the customer needs the credit information inquiry.

The credit information ledger 790 provided on the credit information ledger 790 construction system according to the present invention includes the customer information, credit evaluation information, and credit rating included in the loan application information provided from the terminal device 795. And credit inquiry information including at least one of information and expiration date information.

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). The member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the credit information ledger 790 establishment system in response to the customer; It is preferable to include one or more.

The loan application information is information that the customer provides to the financial institution when applying for the loan, loan request amount, loan period, loan interest rate, collateral information (for example, land, buildings, securities, art, antiques, other goods, etc.) , At least one or more of the result of the security examination (eg, valuation of collateral).

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The credit rating information corresponds to the inquiry result when the financial institution inquires the credit information of the customer through a credit information company licensed by the National Bank Federation or the Financial Supervisory Commission registered as the comprehensive credit information concentration institution. Information provided by the National Bank Federation or a credit information company to the financial institution, identification information (resident registration number, name, occupation, etc.), credit transaction information, public record information, financial order information, credit capacity information, special record information It is preferable to include at least one or more.

The credit rating information is a credit rating measurement calculated based on the credit information of the customer collected by the National Bank Federation or a credit information company, and includes credit rating information (for example, 1 to 10 ratings) of the customer. It is preferable.

* The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information of the customer determined by the operator and It is desirable to include the expiration date of the credit rating information.

According to one embodiment of the invention, the credit information ledger 790 is provided to a DBMS on a financial system provided on the credit information ledger 790 construction system (or associated with the credit information ledger 790 construction system). Preferably, the credit information ledger 790 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B. The present invention is not limited.

According to another embodiment of the present invention, the credit ledger 790 is an internet banking system, and / or a telebanking system provided on (or associated with) the credit ledger 790 construction system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

The financial institution server 700 provided on the credit information ledger 790 construction system according to the present invention is a component of the credit information ledger 790 construction system connected to the terminal device 795 through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 795 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 700 may be configured as described above. A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet 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 internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the terminal device 795 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 700 may operate on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 795 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 700 may be connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien and / or a program provided in the external world on the financial system, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the terminal device 795 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 700 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial institution server 700 includes an interface unit 705 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 795 through the network means. It is characterized by.

According to an embodiment of the present invention, when the terminal device 795 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 705 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 705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 700, the interface unit 705 communicates with the client terminal based on the TCP / IP protocol. It 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 795 is a financial automation device connected to a predetermined financial network, the interface unit 705 may perform the financial automation based on a 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 795 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 705 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 705 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 financial institution server 700, the interface unit 705 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 795 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 705 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 705 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or providing 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 795 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 705 includes 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. 7, the financial institution server 700 performs the credit information inquiry when a predetermined terminal device 795 connects a predetermined communication channel with the financial institution server 700 through the interface unit 705. Generate (or extract) at least one user interface for inputting (or selecting) predetermined loan application information from the terminal device 795 to the financial institution server 700 for a predetermined loan application required. And an interface providing unit 710 (or interface providing means) for providing the generated (or extracted) user interface to the terminal device 795 in association with the interface unit 705, and the terminal device 795. When the loan application information is input (or selected) through the user interface, the loan application information transmitted from the terminal device 795 in association with the interface unit 705 is transmitted. And an information receiving unit 715 (or an information receiving means) for receiving characterized in that formed.

The interface providing unit 710 connects a predetermined communication channel with the financial institution server 700 through the interface unit 705 and then inquires the credit information to the financial institution server 700. When requesting a user interface for a predetermined loan application requiring the request, the terminal device 795 inputs (or selects) predetermined loan application information to transmit to the financial institution server 700 through the network means. At least one user interface is generated, and / or extracted from a predetermined database (not shown), and the terminal device (or extracted) is generated (or extracted) in conjunction with the interface unit 705 via the network means. 795) characterized in that provided.

According to an embodiment of the present invention, when the terminal device 795 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 710 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 705.

According to another exemplary embodiment of the present invention, when the terminal device 795 is a financial automation device connected to a predetermined financial network, the interface providing unit 710 provides the financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the ATM using the interface unit 705.

According to another exemplary embodiment of the present invention, when the terminal device 795 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 710 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 705.

According to another exemplary embodiment of the present invention, when the terminal device 795 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 710 may be 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 705 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 795 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 710 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 705.

According to another exemplary embodiment of the present invention, the terminal apparatus 795 includes at least one user interface for inputting (or selecting) predetermined loan application information to the financial institution server 700 through the network means. If a predetermined information registration program is provided, the terminal apparatus 795 is generated (or extracted) a user interface for inputting (or selecting) predetermined loan application information and transmitting the predetermined loan application information to the financial institution server 700 as described above. The interface providing unit 710 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 795 inputs (or selects) loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the user interface. The loan application information is transmitted to the financial institution server 700 through the network means. In response thereto, the information receiving unit 715 is connected to the interface unit 705 and the loan application transmitted from the terminal device 795. And receiving information.

According to an embodiment of the present invention, the terminal device 795 may include at least one or more loan application information including the customer information, loan application information, and credit inquiry approval information. The financial company server 700 through the network means further comprises at least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator, etc. Is preferred.

According to an embodiment of the present invention, the terminal device 795 may include at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, loan application information, and credit inquiry approval 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 loan application information. Preferably, the terminal apparatus 795 includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. When a predetermined certificate is provided, and / or when the certificate is provided on a predetermined IC chip (or IC card), It is equipped with a card reader for identifying the certificate provided in the IC chip (or IC card) is preferred.

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

Referring to FIG. 7, when the loan request information transmitted from the terminal device 795 is received through the information receiver 715, the financial institution server 700 receives the credit information inquiry from the loan request information. Characterized in that it comprises a validity verification unit 720 (or validity verification means) for confirming whether the validity for the predetermined loan application required.

According to an embodiment of the present invention, the loan application information includes at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange). When encrypted with a based encryption method, the validity verification unit 720 is at least one decryption method (eg, symmetric key based decryption method, and / or public key) corresponding to the encrypted loan application information; Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received loan application information.

Alternatively, when a predetermined electronic signature is attached to the loan application information, the validity confirming unit 720 verifies the validity of the received loan application information by checking the electronic signature attached to the loan application information. desirable.

Those skilled in the art to which the present invention pertains know the technical features of various decryption methods for decrypting the encrypted loan application information and the technical features for confirming the electronic signature attached to the loan application information. Since it will be, a detailed description thereof will be omitted for convenience.

When the loan application information received through the information receiving unit 715 further includes a predetermined password for confirming the validity of the loan application information according to an embodiment of the present invention, the validity confirming unit 720 may include It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the password included in the loan application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiving unit 715 further includes predetermined security card information for confirming the validity of the loan application information, the validity confirming unit 720 may request the loan application. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the received security card information included in the information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiving unit 715 further includes a predetermined OTP code for confirming the validity of the loan application information, the validity confirming unit 720 includes the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the OTP code included in the received and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS. Do.

According to the embodiment of the present invention, the validity of the loan application information is at least one ledger information matching the loan application information in the ledger D / B on the financial system associated with the credit information ledger 790 establishment system It is preferable to include checking whether it is registered.

For example, the validity confirmation of the loan application information is performed on the financial system associated with the credit information ledger 790 establishment system among the customer information (customer personal information or member information, etc.) among the information included in the loan application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B.

* Referring to Figure 7, the financial company server 700, if the validity of the loan application information is confirmed by the validity confirmation unit 720, the credit information of the customer information included in the loan application information is confirmed It is transmitted to the credit information company server 785 through the transmission and reception unit 755, and receives the credit rating information and credit rating information of the customer based on the customer information from the credit information company and the information storage unit 750 and It is characterized in that it comprises a credit information inquiry unit 725 to be stored in association with the credit information ledger 790.

Referring to FIG. 7, the financial institution server 700 may verify the validity of the loan application information through the validity verification unit 720, and retrieve the credit information of the customer through the credit information inquiry unit 725. The electronic document generating unit 730 (or an electronic document generating means) for generating a predetermined loan application electronic document including the received loan application information, and the credit information ledger 790 An electronic document transmission unit 735 (or an electronic document transmission means) for transmitting to the electronic document storage associated with the construction system.

The electronic document generator 730 may generate a loan application electronic document including the loan application information received from the terminal device 795 through the information receiver 715.

According to one embodiment of the present invention, the electronic document generation unit 730 includes at least one customer information, loan application information, credit inquiry approval information included in the loan application information received through the information receiving unit 715. Generating a document content and including 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; Or a web document file including MHT) as a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

Alternatively, the electronic document generator 730 generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information received through the information receiving unit 715, A document including document content including the watermarking after including at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information in a watermarking manner; The credit information includes 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, or a web document file including an MHT). It is preferable to process a loan application electronic document for a predetermined loan application requiring an inquiry.

Alternatively, the electronic document generator 730 generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information received through the information receiving unit 715, Loan application electronic for a predetermined loan application requiring the credit information query an image file containing the image content (e.g., image content generated by capturing the document content on a memory) of the document content It is preferable to process the document.

Alternatively, the electronic document generator 730 generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information received through the information receiving unit 715, At least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information in the image content captured by the document content (eg, the image content generated by capturing the document content on a memory). After including the information in a watermarking manner, it is preferable to process the image file including the image content including the watermarking as a loan application electronic document for a predetermined loan application requiring the credit information inquiry. .

According to another embodiment of the present invention, the electronic document generation unit 730 is at least one customer information, loan application information, credit inquiry approval information included in the loan application information received through the information receiving unit 715 A predetermined document file (for example, PDF (Portable Document Format)) is generated that includes document content including an image content and includes image content (eg, image content generated by capturing the document content on a memory). ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to process the loan application electronic documents for the loan application.

Alternatively, the electronic document generator 730 generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information received through the information receiving unit 715, At least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information in the image content captured by the document content (eg, the image content generated by capturing the document content on a memory). Generating image contents including information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the loan application to electronic documents for a given loan application that requires a credit inquiry.

According to another exemplary embodiment of the present invention, the electronic document generation unit 730 includes at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information received through the information receiving unit 715. A predetermined document file (for example, image content generated by capturing the document content, for example, image content generated by capturing the document content on a memory) and the loan application information (for example, a document content generated by capturing the document content) are included. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process a loan application electronic document for a predetermined loan application requiring an inquiry.

Alternatively, the electronic document generator 730 generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information received through the information receiving unit 715, At least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information in the image content captured by the document content (eg, the image content generated by capturing the document content on a memory). Generating image content including information in a watermarking manner, and a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the watermarking image content and the loan application information). Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document including MHT. By generating a one, and so on), it is preferred that treatment with loan electronic document for a given loan application that requires the credit inquiry.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 730 generates a loan application electronic document in the image file format and / or a predetermined document file format, and the loan application Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 735 transmits and stores the loan application electronic document generated by the electronic document generating unit 730 to a predetermined electronic document repository associated with the credit information ledger 790 construction system. It features.

As shown in FIG. 7, the electronic document repository is connected to a financial company server 700 on the credit information ledger 790 construction system and a predetermined electronic document server 760 and an electronic document D / When provided externally, including the B (780), the electronic document transmission unit 735 is the electronic document server through the communication means for the loan application electronic document generated by the electronic document generation unit 730 ( 760).

Here, when the electronic document server 760 and the electronic document D / B 780 is provided outside the credit information ledger 790 construction system, the electronic document server 760 and the electronic document D / B 780 is preferably managed by an accredited agency.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the credit information ledger 790 construction system, the electronic document transmission unit 735 is connected to the electronic document generation unit 730. It is possible to store the loan application electronic document generated by the electronic document D / B 780 corresponding to the electronic document storage on the DBMS provided in the credit information ledger 790 construction system, thereby limiting the present invention Not.

According to an embodiment of the present invention, the electronic document transmission unit 735 inputs (selects) the electronic document related information (for example, the loan application information for generating predetermined electronic document management information in the electronic document server 760). ), And / or financial institution information for transmitting the loan application electronic document, and / or electronic document file format information, and / or the loan application information, etc.) to the electronic document repository. The present invention is not limited thereto.

Referring to FIG. 7, the financial institution server 700 provides a loan application information received through the information receiving unit 715 for a predetermined loan application requiring the credit information inquiry through the validity checking unit 720. When the validity is authenticated and the credit information of the customer is inquired through the credit information inquiry unit 725, the customer information, the loan application information, and the credit inquiry approval information included in the validity verified loan application information may be recalled. An information generating unit 740 (or information generating means) for generating loan account information, and an account opening unit 745 (or account opening means) for opening and processing a loan account of the customer's name including the loan account information; It is characterized by comprising.

When the validity of the loan application information is confirmed by the validity confirmation unit 720, the information generation unit 740 is based on the customer information, loan application information, credit inquiry approval information included in the loan application information; Characterized by generating loan account information.

Here, the loan account information preferably comprises account number and interest rate information corresponding to the loan account opened based on the loan application information.

In addition, the information generator 740 may be used to determine whether to generate the loan account information according to the credit rating of the customer corresponding to the credit inquiry result of the credit information inquiry unit 725.

The account establishment unit 745 generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or confirms a customer ledger that is matched with the customer information and is provided). After generating predetermined account ledger information including the loan account information and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the credit information inquiry is required in response to the loan application information. It is characterized in that the opening of a predetermined loan account for a predetermined loan application.

According to an embodiment of the present invention, when the financial institution server 700 and the financial system exist in the same system, the account opening unit 745 may link the loan account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial institution server 700 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 745 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the loan account information through an external system on the financial system.

Referring to FIG. 7, the financial institution server 700 provides a loan application information received through the information receiving unit 715 for a predetermined loan application requiring the credit information inquiry through the validity checking unit 720. If the validity is verified, credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and validity period information included in the loan application information for which the validity is verified is transferred to a predetermined credit information ledger 790. It is characterized by comprising an information storage unit 750 (or information storage means) for storing.

When the validity of the loan application information is confirmed by the validity confirmation unit 720, the information storage unit 750 is the customer information, credit rating information, credit rating information, validity period information included in the loan application information Characterized in that to store the credit inquiry information including at least one or more in the credit information ledger 790.

According to an embodiment of the present invention, when the credit information ledger 790 is provided in the financial institution server 700 or on the network associated with the financial institution server 700, the information storage unit 750 Preferably, the credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the received loan application information is stored in the credit information ledger 790.

According to another exemplary embodiment of the present invention, when the credit information ledger 790 is provided in a DBMS provided on a financial system, the information storage unit 750 may include the customer information included in the received loan application information. It is preferable to provide credit inquiry information including at least one or more credit rating information, credit rating information, and expiration date information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Referring to FIG. 7, the financial company server 700 transmits the customer information included in the loan application information validated through the validity verification unit 720 to the credit information company server 785. Credit information transmission and reception unit 755 (or credit information transmission and reception means) for receiving the credit evaluation information and credit rating information from the credit information company server 785 based on the customer information and provide it to the credit information inquiry unit 725 It characterized by comprising a.

Referring to FIG. 7, a predetermined loan application electronic document is received from the financial institution server 700 provided on the credit information ledger 790 construction system, and stored and managed in a predetermined electronic document D / B 780. The electronic document server 760 includes an electronic document receiver 765 for receiving a predetermined loan application electronic document from the financial institution server 700 through a predetermined communication means, and the electronic document D for receiving the received loan application electronic document. And an information generation unit 770 for generating predetermined electronic document management information for storage and management in the / B 780, and the electronic document management information and the loan application electronic document by linking the predetermined electronic document D / B. And an electronic document storage unit 775 to be stored at 780.

The electronic document receiving unit 765 may receive a loan application electronic document in the form of an image file and / or a document file from the financial institution server 700 through the communication means.

According to an embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 765 through the communication means is included in the loan application information received by the financial institution server 700 from the terminal device 795. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing document contents including at least one of customer information, loan application information, and credit inquiry approval information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the loan application electronic document received by the electronic document receiving unit 765 through the communication means may include customer information and loan application information included in the loan application information received by the financial institution server 700 from the terminal device 795. And at least one or more pieces of customer information, loan application information, and credit inquiry approval information included in the loan application information in a document content including at least one credit inquiry approval information in a watermarking manner. Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

Alternatively, the loan application electronic document received by the electronic document receiving unit 765 through the communication means may include customer information and loan application information included in the loan application information received by the financial institution server 700 from the terminal device 795. 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 credit inquiry approval information.

Alternatively, the loan application electronic document received by the electronic document receiving unit 765 through the communication means may include customer information and loan application information included in the loan application information received by the financial institution server 700 from the terminal device 795. Customer information included in the loan application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one credit inquiry approval information, and loan application After at least one of information and credit inquiry approval information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 765 through the communication means is based on loan application information received by the financial institution server 700 from the terminal device 795. Predetermined image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan application information, and credit inquiry approval information. 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) It is preferable to make.

Alternatively, the loan application electronic document received by the electronic document receiving unit 765 through the communication means may include customer information and loan application information included in the loan application information received by the financial institution server 700 from the terminal device 795. Customer information included in the loan application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one credit inquiry approval information, and loan application A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one of information and credit inquiry approval information in a watermarking manner, and including the image content including the watermarking; , Or an electronic data interchange (EDI) file or a word processor file including at least one or more HWP / DOC, or MHT It comprises a web page file, and so on), including preferred.

According to another embodiment of the present invention, the loan application electronic document received by the electronic document receiving unit 765 through the communication means is loan application information received by the financial institution server 700 from the terminal device 795. Image content (eg, image content generated by capturing the document content on a memory) and the loan application including document information including at least one or more of customer information, loan application information, and credit inquiry approval information included in the document. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the loan application electronic document received by the electronic document receiving unit 765 through the communication means may include customer information and loan application information included in the loan application information received by the financial institution server 700 from the terminal device 795. Customer information included in the loan application information in the image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one credit inquiry approval information, and loan application Generating image content including at least one of information and credit inquiry approval information by a watermarking method, and a document file including the watermarking image content and the loan application information (eg, PDF ( Word containing at least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. It comprises a processor file, or web page file, and so on) containing the MHT is desirable.

The information generating unit 770 is a predetermined electronic document unique number (or unique information) to be assigned to the loan application electronic document received through the electronic document receiving unit 765, and the loan through the electronic document receiving unit 765 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the loan application electronic document was stored) when the electronic document was received.

According to an exemplary embodiment of the present invention, the information generating unit 770 refers to the loan request electronic document by referring to the financial institution server 700 that transmitted the loan request electronic document received through the electronic document receiving unit 765. It is preferable to identify the financial institution that has been transmitted and to 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 700 through the electronic document receiving unit 765, the information generating unit 770 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the loan application information, and / or financial institution information transmitting the loan application electronic document, and / or electronic document file format information, and / or the loan) It is preferable to generate the electronic document management information further including the application information).

The electronic document storage unit 775 processes the loan application electronic document received through the electronic document receiving unit 765 and the electronic document management information generated through the information generating unit 770 to process a predetermined electronic document D /. Characterized in B (780).

According to the exemplary embodiment of the present invention, the loan application electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 is received by the financial institution server 700 from the terminal device 795. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document content including at least one of customer information, loan application information, and credit inquiry approval information included in a loan application information. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the loan application electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may be included in the loan application information received by the financial institution server 700 from the terminal device 795. Watermarking method of at least one of the customer information, loan application information, credit inquiry approval information contained in the loan application information in the document content including at least one customer information, loan application information, credit inquiry approval 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 loan application electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may be included in the loan application information received by the financial institution server 700 from the terminal device 795. 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 of customer information, loan application information, and credit inquiry approval information. It is preferable to make it.

Alternatively, the loan application electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may be included in the loan application information received by the financial institution server 700 from the terminal device 795. Include in the loan application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, loan application information, and credit inquiry approval information. It is preferable to include at least one or more information of the customer information, loan application information, credit inquiry approval information in a watermarking (watermarking) method, and then comprises an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the loan application electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 is the financial company server 700 from the terminal device 795. Image content that captures document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information (eg, image content generated by capturing the document content on a memory). A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the loan application electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may be included in the loan application information received by the financial institution server 700 from the terminal device 795. Include in the loan application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, loan application information, and credit inquiry approval information. A document file (eg, PDF) that generates image content including at least one or more of the registered customer information, loan application information, and credit inquiry approval information by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more such as HWP / DOC, or MH Web document file including T).

According to another exemplary embodiment of the present invention, the loan request electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 is the financial institution server 700 of the terminal device 795. Image content that captures document content including at least one of customer information, loan application information, and credit inquiry approval information included in the loan application information received from the image content (for example, an image generated by capturing the document content on a memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing the loan application information and the loan application information; Web document file including MHT).

Alternatively, the loan application electronic document stored in the electronic document D / B 780 by the electronic document storage unit 775 may be included in the loan application information received by the financial institution server 700 from the terminal device 795. Include in the loan application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, loan application information, and credit inquiry approval information. A document including image information including the watermarking and the loan application information, and generating image content including at least one or more of the customer information, loan application information, and credit inquiry approval information by a watermarking method. Word including at least one file (eg, Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc.) Processor file, or a web document file including MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 780 by the electronic document storage unit 775 in association with the loan application electronic document is stored in the loan application electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned 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 780 by the electronic document storage unit 775 in association with the loan application electronic document is the loan application electronic document. It is preferable that the financial institution server 700 that has transmitted the information on the financial institution that has transmitted the loan application electronic document is confirmed to be made.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 700, the electronic document storage unit 775 processes the electronic document by linking with the loan application electronic document. The electronic document management information stored in the D / B 780 may include the received electronic document related information (eg, customer information transmitted by inputting (selecting) the loan application information, and / or the loan application electronic document). Financial institution information, and / or electronic document file format information, and / or the loan application information).

8 is a diagram illustrating an implementation method in which a credit information ledger 790, which stores credit inquiry information corresponding to a loan account opened in a non-face-to-face manner, is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates that when the credit information ledger 790 shown in FIG. 7 is the ledger D / B 800 provided in the DBMS on the financial system, or the ledger D / B 800, As the information structure for one embodiment of the credit inquiry information is stored in the ledger information provided in the ledger D / B (800), if the person having ordinary knowledge in the technical field to which the present invention belongs, 8 may be inferred from various information construction methods for storing the credit inquiry information in the ledger D / B 800 by referring to and / or modified the present invention, but the present invention includes all the inferred implementation methods, and this figure. It is not limited only to the implementation method shown in 8.

Referring to Figure 8 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 800 provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger and The account ledger corresponding to the loan account opened through the illustrated credit information ledger 790 construction system and the credit information ledger 790 associated with the customer ledger are illustrated. If the person skilled in the art, the ledger D / B 800 provided in the DBMS on the financial system includes at least one ledger and / or in addition to the customer ledger, account ledger and credit information ledger 790 shown in FIG. It will be clearly understood that at least one additional information is further included for maintaining and managing the ledgers, and should be familiar with specific technical matters. Therefore, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the loan account, if the person having ordinary knowledge in the technical field to which the present invention belongs, included in the account ledger and the additional information configuration Since the content and characteristics of the information will be clearly understood, a detailed description thereof will be omitted for convenience.

The credit information ledger 790 is a national bank corresponding to the customer ledger for a predetermined loan application requiring the credit information inquiry, and the national bank registered as a comprehensive credit information concentration institution through the credit information inquiry unit 725. The ledger was created by receiving credit rating information and credit rating information of the customer from a credit information company licensed by the Federation or the Financial Supervisory Commission, which includes identification information, establishment information, personal loan information, personal debt guarantee information, At least one or more of the company's credit donation information, delinquency information, credit payment / payment information, bankruptcy information, related information, financial order disorder information, public record information, special record information, credit rating information, general delinquency information, and the like.

Referring to FIG. 8, wherein the credit information ledger 790 is the ledger D / B 800 or the implementation method provided in the ledger D / B 800 according to an embodiment of the present invention, The customer includes credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the loan application information provided through the credit information ledger 790 construction system shown in FIG. And stored in the credit information ledger 790 corresponding to the ledger.

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). The member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the credit information ledger 790 establishment system in response to the customer; It is preferable to include one or more.

The loan application information is information that the customer provides to the financial institution when applying for the loan, loan request amount, loan period, loan interest rate, collateral information (for example, land, buildings, securities, art, antiques, other goods, etc.) , At least one or more of the result of the security examination (eg, valuation of collateral).

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The credit rating information corresponds to the inquiry result when the financial institution inquires the credit information of the customer through a credit information company licensed by the National Bank Federation or the Financial Supervisory Commission registered as the comprehensive credit information concentration institution. Information provided by the National Bank Federation or a credit information company to the financial institution, identification information (resident registration number, name, occupation, etc.), credit transaction information, public record information, financial order information, credit capacity information, special record information It is preferable to include at least one or more.

The credit rating information is a credit rating measurement calculated based on the credit information of the customer collected by the National Bank Federation or a credit information company, and includes credit rating information (for example, 1 to 10 ratings) of the customer. It is preferable.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

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

9A and 9B illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry in a non-face to face manner according to one embodiment of the present invention.

In more detail, FIGS. 9A and 9B show that the terminal device 795 on the credit information ledger 790 construction system shown in FIG. 7 is a client terminal, and the financial institution server 700 provides a client terminal through a predetermined network means. In the case of having a web server function accessible to the customer, the client information, loan application information, and credit inquiry are made through the client terminal in order to open a loan account for a predetermined loan application requiring a predetermined customer's credit information inquiry. If the loan application information including at least one approval information is provided, credit is based on the loan application information including at least one of the customer information, loan application information, and credit inquiry approval information in the credit information ledger 790 construction system. Storing credit inquiry information for a predetermined loan application requiring information inquiry in the credit information ledger 790, and An embodiment of the present invention relates to a method of opening and processing the loan account for a predetermined loan application requiring credit information inquiry. Those skilled in the art may refer to FIGS. 9A and 9B. And / or may be modified to infer various implementation methods for registering the loan application information from the client terminal to the financial institution server 700, but the present invention includes all the implementation methods inferred, as shown in FIG. 9A and FIG. It is not limited to the implementation method shown in 9b.

For example, although the implementation method shown in FIGS. 9A and 9B includes a process of generating a predetermined electronic document corresponding to the loan application information and storing the electronic document in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

9A and 9B illustrate that the client terminal receives a user interface for inputting (or selecting) the loan application information through a predetermined web page provided by the financial institution server 700. Although illustrated and described, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 700, and the present invention is not limited thereto.

Hereinafter, in FIGS. 9A and 9B, the client terminal illustrated in FIG. 7 is referred to as a “terminal” for convenience, and the financial institution server 700 illustrated in FIG. 7 is referred to as a “server” for convenience. The customer information, loan application information, and credit inquiry approval information transmitted to the financial institution server 700 are referred to as "loan application information" for convenience.

9A and 9B, when the client terminal illustrated in FIG. 7 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, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN, to connect a predetermined communication channel, and When requesting a web page including a user interface for a predetermined loan application requiring information inquiry (900), the server correspondingly includes at least one or more of the customer information, loan application information, credit inquiry approval information Generate (or extract) a web page including a user interface for inputting (or selecting) loan application information and transmitting it to the server (905); And outputs through a network device transmits a web page including a user interface, the generated (or extracted) to the mobile station (910).

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 loan application information registration procedure, whereby the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) loan application information including at least one or more customer information, loan application information, and credit inquiry approval information through the user interface included in the web page (915).

If the terminal receives (or selects) loan application information including the customer information, loan application information, and credit inquiry approval information through the user interface (920), the terminal receives the input (or The selected customer information, loan application information, and credit inquiry approval information are transmitted to the server (925).

According to an embodiment of the present invention, the terminal has a predetermined password for verifying the validity of the loan application information in the server to the loan application information including at least one of the customer information, loan application information, credit inquiry approval information. And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method, and / or loan application information including at least one or more of the customer information, loan application information, and credit inquiry approval information). Public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or by attaching a predetermined electronic signature to the loan application information. It is preferable to transmit to a server, and for this purpose, 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 authorized certificate is provided on a predetermined IC chip (or IC card), it is provided on the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method, and / or loan application information including at least one or more of the customer information, loan application information, and credit inquiry approval information). Public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and transmit the data to the server through the network means. Either with at least one encryption key corresponding to, and / or with a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a predetermined IC chip (or IC card). In this case, it is desirable that a card reader is provided for checking an official certificate provided in the IC chip (or IC card). It is.

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

Thereafter, the server receives and reads the customer information, loan application information, and credit inquiry approval information through the communication channel to check the validity of the loan application information (930).

According to an embodiment of the present invention, the loan application information includes at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange). Based on the at least one decryption method (eg, a symmetric key based decryption method and / or a public key based decryption method) corresponding to the encryption method, the server encrypts the encrypted loan application information. / Or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received loan application information.

Alternatively, when a predetermined electronic signature is attached to the loan application information, the server may verify the validity of the received loan application information by checking the electronic signature attached to the loan application information.

Those skilled in the art to which the present invention pertains know the technical features of various decryption methods for decrypting the encrypted loan application information and the technical features for confirming the electronic signature attached to the loan application information. Since it will be, a detailed description thereof will be omitted for convenience.

When the loan application information received through the information receiving unit 715 further includes a predetermined password for confirming the validity of the loan application information according to the method of the present invention, the server is provided with the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiving unit 715 further includes predetermined security card information for checking the validity of the loan application information, the server is included in the loan application information to receive the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS.

Or, if the loan application information received through the information receiving unit 715 further includes a predetermined OTP code for checking the validity of the loan application information, the server is included in the loan application information received It is preferable to authenticate the validity of the received loan application information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the validity confirmation of the loan application information is at least one or more matching the loan application information to the ledger D / B 800 on the financial system associated with the credit information ledger 790 establishment system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the loan application information is performed on the financial system associated with the credit information ledger 790 establishment system among the customer information (customer personal information or member information, etc.) among the information included in the loan application information. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (800).

If the validity of the loan application information is not authenticated (935), the server generates a web page including predetermined loan account error information and transmits it to the terminal (940), and does not perform the loan account opening procedure. Do not.

On the other hand, if the validity of the loan application information is authenticated (935), the server transmits the customer information included in the loan application information validated to the credit information company server 785 (941).

Thereafter, the credit information company server 785 transmits the credit evaluation information and the credit rating information of the customer inquired based on the customer information received from the server (942).

Thereafter, the server stores the credit evaluation information and the credit rating information received from the credit information company server 785 in the credit information ledger 790 (943).

Thereafter, the server generates predetermined document content including at least one or more customer information including the loan application information, loan application information, and credit inquiry approval information (945), and the predetermined loan application electronic including the document content. Create a document (950).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information, loan application information, and credit inquiry approval information included in the received loan application information, and includes the document content. The document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to process a loan application electronic document for a predetermined loan application requiring information inquiry.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and the customer information included in the loan application information in the document content. A document file (eg, a Portable Document Format (PDF) file) including document contents including the watermarking after including at least one or more information of loan application information and credit inquiry approval information in a watermarking manner; or EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, web document file including MHT, etc.) for loan application for a predetermined loan application requiring the credit information inquiry It is preferable to process the electronic document.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). It is preferable to process an image file including the document content captured by the document content on the memory as a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). And image information generated by capturing the document content on a memory) including at least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information by a watermarking method. It is preferable to process an image file including the image contents including watermarking as a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing captured image content (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc., to process the loan application electronic document for a predetermined loan application requiring the credit information inquiry. desirable.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). Image content including at least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information in the image content generated by capturing the document content on a memory. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the image content including the watermarking. File, or a web document file containing MHT) Definition It is desirable to process a loan application electronic document for a loan application.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and generates the document content. Captured image content (e.g., image content generated by capturing the document content on a memory) and a predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (Electronic) containing the loan application information. Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like to apply for a loan application for a predetermined loan application requiring the credit information inquiry. It is preferable to process the electronic document.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). Image content including at least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information in the image content generated by capturing the document content on a memory. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the watermarking image content and the loan application information. Generating the word processor file or the web document file including the MHT; It is preferable to process a loan application electronic document for a predetermined loan application requiring an inquiry.

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

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (955).

As shown in FIG. 7, the electronic document storage is connected to a server on the credit information ledger 790 construction system and a predetermined electronic document server 760 and electronic document D / B 780 linked through predetermined communication means. When provided to the outside including the, it is preferable that the server transmits the generated loan application electronic document to the electronic document server 760 through the communication means to store in the electronic document D / B (780) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the credit information ledger 790 construction system, the server may include the generated loan application electronic document in the credit information ledger 790 construction system. It is possible to store in the electronic document D / B 780 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Figure 7 by processing the generated loan application electronic document and predetermined electronic document management information It is preferable to include storing in / B (780).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the loan application information, and / or financial institution information transmitting the loan application electronic document, and / or Electronic document file format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (960), the server generates the loan account information based on the customer information, loan application information, credit inquiry approval information included in the loan application information ( 965).

In addition, the server may be used to determine whether to generate the loan account information according to the customer's credit rating corresponding to the customer's credit inquiry result.

Here, the loan account information preferably comprises account number and interest rate information corresponding to the loan account opened based on the loan application information.

Thereafter, the server opens and processes a loan account of the customer's name including the loan account information based on the customer information, loan application information, and credit inquiry approval information included in the loan application information in association with the financial system. (970).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generate the credit information ledger 790 associated with the customer ledger, generate predetermined account ledger information including the loan account information, and then assign the account to the predetermined account ledger associated with the customer ledger. By storing the ledger information, a predetermined loan account for a predetermined loan application requiring the credit information inquiry corresponding to the loan application information is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the loan account information in the ledger D / B 800 in association with the financial system. And generating the credit information ledger 790 associated with the customer ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 800 of the financial system to generate a predetermined account ledger including the loan account information and the credit ledger 790 associated with the customer ledger.

Thereafter, the server generates credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the loan application information, and establishes a predetermined credit information ledger in association with the financial system. Save to (790) (975)

According to an embodiment of the present invention, when the credit information ledger 790 is provided in the server or on a network associated with the server, the server may include the customer information included in the received loan application information. The credit inquiry information including at least one or more credit rating information, credit rating information, and expiration date information is preferably stored in the credit information ledger 790.

According to another embodiment of the present invention, when the credit information ledger 790 is provided in a DBMS provided on a financial system, the server includes the customer information, credit rating information, and credit included in the received loan application information. It is preferable to provide credit inquiry information including at least one rating information and expiration date information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, and / or the details of storing the loan application electronic document in the electronic document repository, and / or the credit information ledger 790). The details of storing the loan application information) are generated (or extracted) and transmitted to the terminal (980).

According to one embodiment of the invention, the credit information ledger 790 is provided to a DBMS on a financial system provided on the credit information ledger 790 construction system (or associated with the credit information ledger 790 construction system). Preferably, the credit information ledger 790 is a ledger D / B 800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800. The present invention is not limited thereto.

According to another embodiment of the present invention, the credit ledger 790 is an internet banking system, and / or a telebanking system provided on (or associated with) the credit ledger 790 construction system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

10A, 10B, and 10C illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry according to an embodiment of the present invention.

10A, 10B, and 10C show in detail when the credit information ledger 790 construction system shown in FIG. 7 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e., shown in FIG. 7). In the case where the financial institution server 700 on the established credit information ledger 790 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP-based network (for example, the Internet). After performing a predetermined customer authentication procedure, the client terminal transmits predetermined loan application information to the Internet banking server to open a loan account for a predetermined loan application requiring the credit information inquiry. The banking server based on the loan application information including at least one of the customer information, loan application information, credit inquiry approval information Storing credit inquiry information for a predetermined loan application requiring application information in a predetermined credit information ledger 790 and opening and processing the loan account for a predetermined loan application requiring the credit information inquiry For those skilled in the art to which the present invention pertains, the loan application information is provided through other types of non-face-to-face financial transaction channels by referring to and / or modifying the drawings 10a, 10b, and 10c. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 10a, 10b and 10c.

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. 10A, 10B, and 10C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering loan application information between the client terminal and the internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains 10a, 10b, and 10c, the client terminal on the basis of a predetermined Internet banking program mounted on the client terminal by referring to and / or modified the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. Internet Banking Server Corp Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of loan application information to the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, thereby The invention is not limited.

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 financial transaction channel connection method shown in Figures 10a, 10b and 10c, 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 loan application information registration. It includes all types of non-face-to-face channel based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in FIGS. 10A, 10B, and 10C.

In addition, although the embodiment shown in FIGS. 10A, 10B, and 10C 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. 10A, 10B, and 10C, the client terminal is referred to as a "terminal" for convenience, and an Internet banking server corresponding to the financial institution server 700 is referred to as a "server" for convenience.

10A, 10B, and 10C, when the terminal executes a browser program and accesses the server through the TCP / IP-based network (1000a), the server connects the terminal and the server through the browser. The communication channel is connected (1005a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server (or extracted) and transmitted to the terminal, and 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 (1010a).

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 (1015a), 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 (1020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1025a), or if the terminal does not need to install and / or update the Internet banking security module (1015a), 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 (1030a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm, and the information to be provided from the terminal to the server for registration of loan application information ( Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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 Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the information to be provided to the server for registration of loan application information by the terminal. (Or data) attaches a predetermined digital signature and / or at least one cancer When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1035a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1045a).

If the Internet banking customer authentication fails (1050a), the server blocks the Internet banking secure channel for the terminal (1055a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1050a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (1060a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined loan application information for a predetermined loan application requiring credit information inquiry to the server.

Thereafter, when the terminal requests a web page including a user interface for a predetermined loan application requiring the credit information inquiry to the server through an internet banking-based financial transaction channel (1000b), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) loan application information including at least one of the customer information, loan application information, and credit inquiry approval information to the server (1005b); In operation 1010b, the webpage including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel.

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) loan application information including at least one of customer information, loan application information, and credit inquiry approval information. And / or print a predetermined password and / or security card information (e.g., printed on a security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the loan application information. Security card information) and / or one time password (e.g. one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include a user interface for inputting.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the loan application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan application information, and credit inquiry approval information through the loan account opening interface (1015b).

If the terminal receives (or selects) loan application information including the customer information, loan application information, and credit inquiry approval information through the user interface (1020b), the terminal receives the input through the financial transaction channel ( Or the selected) loan application information is transmitted to the server (1025b).

According to an embodiment of the present invention, the terminal has a predetermined password for verifying the validity of the loan application information in the server to the loan application information including at least one of the customer information, loan application information, credit inquiry approval information. And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method, and / or loan application information including at least one or more of the customer information, loan application information, and credit inquiry approval information). Public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or by attaching a predetermined electronic signature to the loan application information. It is preferable to transmit to a server, and for this purpose, 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 authorized certificate is provided on a predetermined IC chip (or IC card), it is provided on the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method, and / or loan application information including at least one or more of the customer information, loan application information, and credit inquiry approval information). Public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and transmit the data to the server through the network means. Either with at least one encryption key corresponding to, and / or with a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a predetermined IC chip (or IC card). In this case, it is desirable that a card reader is provided for checking an official certificate provided in the IC chip (or IC card). It is.

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

Thereafter, the server receives and reads the loan application information through the financial transaction channel to check the validity of the loan application information (1030b).

According to an embodiment of the present invention, the loan application information includes at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange). Based on the at least one decryption method (eg, a symmetric key based decryption method and / or a public key based decryption method) corresponding to the encryption method, the server encrypts the encrypted loan application information. / Or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received loan application information.

Alternatively, when a predetermined electronic signature is attached to the loan application information, the server may verify the validity of the received loan application information by checking the electronic signature attached to the loan application information.

Those skilled in the art to which the present invention pertains know the technical features of various decryption methods for decrypting the encrypted loan application information and the technical features for confirming the electronic signature attached to the loan application information. Since it will be, a detailed description thereof will be omitted for convenience.

When the loan application information received through the information receiving unit 715 further includes a predetermined password for confirming the validity of the loan application information according to the method of the present invention, the server is provided with the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiving unit 715 further includes predetermined security card information for checking the validity of the loan application information, the server is included in the loan application information to receive the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS.

Or, if the loan application information received through the information receiving unit 715 further includes a predetermined OTP code for checking the validity of the loan application information, the server is included in the loan application information received It is preferable to authenticate the validity of the received loan application information by comparing and authenticating an OTP code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to an embodiment of the present invention, the validity confirmation of the loan application information is at least one or more matching the loan application information to the ledger D / B 800 on the financial system associated with the credit information ledger 790 establishment system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirmation of the loan application information is performed on the financial system associated with the credit information ledger 790 establishment system among the customer information (customer personal information or member information, etc.) among the information included in the loan application information. It is preferable to include a check that matches the customer ledger stored in the ledger D / B (800).

If the validity of the loan application information is not authenticated (1035b), the server generates a web page including predetermined loan account error information and transmits it to the terminal (1040b) and does not perform the loan account opening procedure. Do not.

On the other hand, if the validity of the loan application information is authenticated (1035b), the server transmits the customer information included in the loan application information validated to the credit information company server 785 (1041b).

Thereafter, the credit information company server 785 transmits the credit rating information and the credit rating information to the server based on the customer information received from the server (1042b).

Thereafter, the server stores the credit evaluation information and the credit rating information received from the credit information company server 785 in the credit information ledger 790 (1043b).

Thereafter, the server generates predetermined document contents including at least one or more customer information including the loan application information, loan application information, and credit inquiry approval information (1045b), and the predetermined loan application including the document contents. Create an electronic document (1050c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information, loan application information, and credit inquiry approval information included in the received loan application information, and includes the document content. The document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is preferable to process a loan application electronic document for a predetermined loan application requiring information inquiry.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and the customer information included in the loan application information in the document content. A document file (eg, a Portable Document Format (PDF) file) including document contents including the watermarking after including at least one or more information of loan application information and credit inquiry approval information in a watermarking manner; or EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, web document file including MHT, etc.) for loan application for a predetermined loan application requiring the credit information inquiry It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). It is preferable to process an image file including the document content captured by the document content on the memory as a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). And image information generated by capturing the document content on a memory) including at least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information by a watermarking method. It is preferable to process an image file including the image contents including watermarking as a loan application electronic document for a predetermined loan application requiring the credit information inquiry.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing captured image content (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc., to process the loan application electronic document for a predetermined loan application requiring the credit information inquiry. desirable.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). Image content including at least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information in the image content generated by capturing the document content on a memory. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the image content including the watermarking. File, or a web document file containing MHT) Definition It is desirable to process a loan application electronic document for a loan application.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and generates the document content. Captured image content (e.g., image content generated by capturing the document content on a memory) and a predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (Electronic) containing the loan application information. Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like to apply for a loan application for a predetermined loan application requiring the credit information inquiry. It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information, loan application information, and credit inquiry approval information included in the received loan application information, and captures the image content (for example, the document content). Image content including at least one or more of customer information, loan application information, and credit inquiry approval information included in the loan application information in the image content generated by capturing the document content on a memory. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the watermarking image content and the loan application information. Generating the word processor file or the web document file including the MHT; It is preferable to process a loan application electronic document for a predetermined loan application requiring an inquiry.

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

Thereafter, the server stores the generated loan application electronic document in a predetermined electronic document storage (1055c).

As shown in FIG. 7, the electronic document storage is connected to a server on the credit information ledger 790 construction system and a predetermined electronic document server 760 and electronic document D / B 780 linked through predetermined communication means. When provided to the outside including the, it is preferable that the server transmits the generated loan application electronic document to the electronic document server 760 through the communication means to store in the electronic document D / B (780) Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the credit information ledger 790 construction system, the server may include the generated loan application electronic document in the credit information ledger 790 construction system. It is possible to store in the electronic document D / B 780 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the loan application electronic document in the electronic document storage, the electronic document D shown in Figure 7 by processing the generated loan application electronic document and predetermined electronic document management information It is preferable to include storing in / B (780).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the loan application electronic document.

In addition, the electronic document management information is predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the loan application information, and / or financial institution information transmitting the loan application electronic document, and / or Electronic document file format information, and / or the loan application information).

If the loan application electronic document is stored in the electronic document storage (1060c), the server generates the loan account information based on the customer information, loan application information, credit inquiry approval information included in the loan application information ( 1065c).

In addition, the server may be used to determine whether to generate the loan account information according to the customer's credit rating corresponding to the customer's credit inquiry result.

Here, the loan account information preferably comprises account number and interest rate information corresponding to the loan account opened based on the loan application information.

Thereafter, the server opens and processes a loan account of the customer's name including the loan account information based on the customer information, loan application information, and credit inquiry approval information included in the loan application information in association with the financial system. (1070c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the loan account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generate the credit information ledger 790 associated with the customer ledger, generate predetermined account ledger information including the loan account information, and then assign the account to the predetermined account ledger associated with the customer ledger. By storing the ledger information, a predetermined loan account for a predetermined loan application requiring the credit information inquiry corresponding to the loan application information is opened.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server includes a predetermined account ledger including the loan account information in the ledger D / B 800 in association with the financial system. And generating the credit information ledger 790 associated with the customer ledger.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B 800 of the financial system to generate a predetermined account ledger including the loan account information and the credit ledger 790 associated with the customer ledger.

Thereafter, the server generates credit inquiry information including at least one of the customer information, credit evaluation information, credit rating information, and expiration date information included in the loan application information and stores the credit inquiry information in a predetermined credit information ledger 790. (1075c)

According to an embodiment of the present invention, when the credit information ledger 790 is provided in the server or on a network associated with the server, the server may include the customer information included in the received loan application information. The credit inquiry information including at least one or more credit rating information, credit rating information, and expiration date information is preferably stored in the credit information ledger 790.

According to another embodiment of the present invention, when the credit information ledger 790 is provided in a DBMS provided on a financial system, the server includes the customer information, credit rating information, and credit included in the received loan application information. It is preferable to provide credit inquiry information including at least one rating information and expiration date information to an information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, and / or the details of storing the loan application electronic document in the electronic document repository, and / or the credit information ledger 790). The details of storing the loan application information) are generated (or extracted) and transmitted to the terminal (1080c).

According to one embodiment of the invention, the credit information ledger 790 is provided to a DBMS on a financial system provided on the credit information ledger 790 construction system (or associated with the credit information ledger 790 construction system). Preferably, the credit information ledger 790 is a ledger D / B 800 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800. The present invention is not limited thereto.

According to another embodiment of the present invention, the credit ledger 790 is an internet banking system, and / or a telebanking system provided on (or associated with) the credit ledger 790 construction system, and / or It is possible to be provided in a DBMS on at least one banking system of a wireless banking system and / or a TV banking system, whereby the present invention is not limited.

11 is a diagram illustrating a face-to-face financial transaction system based on credit information ledger (295,790) inquiry according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates at least one of customer information, transaction application information, and credit inquiry approval information for a predetermined financial transaction in which a predetermined customer needs the credit information inquiry to a financial transaction system through a predetermined financial transaction interface. When providing the financial transaction request information including the above, the financial transaction system uses the customer information, transaction application information, and credit inquiry approval information included in the provided financial transaction request information to request the credit information inquiry. The present invention relates to a system for providing a financial transaction for a financial transaction. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to obtain a predetermined financial information requiring credit information inquiry. It will be possible to infer various implementation methods for the financial transaction system configuration for the transaction, but the present invention It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, a financial transaction for a predetermined financial transaction requiring the credit information inquiry using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 11 is provided. Components corresponding to at least one or more means and / or functional configurations are referred to as " financial company server 1100 " for convenience, and the financial company server 1100 in FIG. Although it is preferable to include the account system on the financial system connected through the teller terminal and a predetermined financial network, this figure 11 shows the financial company server 1100 as a ledger server between the teller terminal and the account system for convenience of explanation. The present invention is not limited thereby.

Referring to FIG. 11 according to an embodiment of the present invention, a financial transaction system for a predetermined financial transaction requiring the credit information inquiry includes a terminal device including a window terminal provided at at least one branch of a financial institution. 1165 and a financial network (for example, a current network) connected to the terminal device 1165 and the terminal device 1165 connected to the terminal device 1165 through the financial network for a predetermined financial transaction requiring the credit information inquiry. A financial company server 1100 for processing financial transactions and a credit information ledger 295,790 corresponding to the financial account opened through the financial account opening system shown in FIG. 2 are stored.

The financial system for processing at least one financial transaction service through the credit information ledger (295,790) corresponding to the financial account opened through the financial account opening system shown in Figure 2 in connection with the financial company server 1100 is At least one window terminal provided at a branch (and / or branch) of the financial institution and a predetermined financial network (for example, a branch network), and at least one financial transaction customer through the window terminal. Provide face-to-face financial transaction services.

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

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

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

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

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

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

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

Referring to FIG. 11, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (E.g., customer ledger, receiving ledger, collateral ledger, credit information ledgers (295, 790), etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) Additional information is characterized in that the relationship is stored in relation to the relationship (Relationship) is stored, the ledger information is And a predetermined account ledger and predetermined credit information ledgers 295 and 790 corresponding to the financial account opened through the financial account opening system shown in FIG. 2.

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 for a predetermined financial transaction requiring the credit information inquiry, and through a window (or through a teller) provided at the financial institution branch. Fill out a prescribed application for a given financial transaction requiring a credit check (eg, a slip with a form for filling in at least one information item for a given financial transaction requiring a credit check) When the completed application is submitted to the counter clerk, the counter clerk inputs (or selects) the customer information, the transaction application information, and the credit inquiry approval information entered in the application through a predetermined counter terminal, and the counter terminal Recalling the financial transaction request information including at least one of the input (or selected) customer information, transaction application information, credit inquiry approval information To transmit through yungmang to a bank server (1100) is provided on the financial transaction system is preferred.

Here, the terminal device 1165 preferably comprises a teller terminal used by a teller employee provided at the branch of the financial institution, the financial company server 1100 connected to the teller terminal is provided on the predetermined financial system. It is preferable to include a ledger server, the financial network connecting the teller terminal and the financial company server 1100 preferably comprises a branch network connecting the communication channel between the teller terminal and the financial company server 1100. Do.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller, and a finance network connecting the teller terminal and the financial company server 1100 require the customer to inquire the credit information. Performs a function of a financial transaction interface for registering financial transaction request information for a predetermined financial transaction.

The financial transaction request information transmitted from the terminal 1165 for the predetermined financial transaction requiring the credit information inquiry to the financial institution server 1100 may include predetermined customer information, transaction application information, and credit inquiry approval information. Characterized in that it comprises at least one or more.

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

The transaction application information is a financial transaction (e.g., loan application, card issuance, account opening and credit inquiry for which the customer needs credit information inquiry from the financial institution) for a predetermined financial transaction requiring the credit information inquiry. It is preferable to include the application information (eg, loan interest rate, loan request amount, interest rate, etc.) provided to the financial institution for the financial transaction.

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

The financial company server 1100 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the terminal device 1165 through a predetermined financial network, and includes at least one server (or Device) and / or at least one program 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 terminal device 1165 is a window terminal connected to a predetermined financial network, the financial company server 1100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial company server 1100 includes an interface unit 1110 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 1165 through the financial network. It is characterized by.

According to an exemplary embodiment of the present invention, when the terminal device 1165 is a window terminal connected to a predetermined financial network, the interface unit 1110 is determined based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 11, the financial institution server 1100 may be configured such that a predetermined terminal device 1165 connects a communication channel with the financial institution server 1100 through the interface unit 1110, and / or through the communication channel. When requesting a financial transaction for a predetermined financial transaction requiring the credit information inquiry, the terminal device 1165 inputs (or selects) predetermined financial transaction request information in connection with the interface unit 1110 and transmits it. And an interface providing unit 1110 (or interface providing means) for generating (or extracting) a predetermined user interface and providing the same to the terminal device 1165. When a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1110 may be omitted.

The interface providing unit 1110 may allow a predetermined terminal device 1165 to connect a communication channel with the financial institution server 1100 through the interface unit 1110 and / or to inquire the credit information through the communication channel. When a financial transaction for a predetermined financial transaction is requested, the financial company server may be input (or selected) in response to a functional configuration provided in the terminal device 1165 and the financial company server (eg, through the financial network). Create a predetermined user interface that can be transmitted to 1100, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 1110, the generated (or extracted) user interface in the financial network It is characterized in that to provide to the terminal device 1165 through.

According to an exemplary embodiment of the present invention, when the terminal device 1165 is a window terminal connected to a predetermined financial network, the interface providing unit 1110 may provide a predetermined financial transaction-related program included in the window terminal. It is preferable to generate (or extract) a user interface and provide the generated user interface to the window terminal through the interface unit 1110.

According to another exemplary embodiment of the present invention, the terminal apparatus 1165 includes at least one user interface for inputting (or selecting) the financial transaction request information to the financial institution server 1100 via the financial network. When the terminal-side banking program is provided, the interface providing unit 1110 for providing the user interface to the terminal device 1165 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) financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information to transmit to the financial institution server 1100. It is preferred to include an interface function.

Referring to FIG. 11, the financial institution server 1100 may input financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information through the user interface at the terminal device 1165 (or Select) to receive the financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information in association with the interface unit 1110 (or information reception). Means), a validity confirming unit 1125 (or validity confirming means) for confirming validity of the customer information, transaction application information, and credit inquiry approval information included in the received financial transaction request information; The credit information for a predetermined financial transaction requiring the credit information inquiry on the basis of the financial transaction request information confirmed in association with the validity An information checking unit 1130 (or information checking means) for checking whether the credit information of the customer is stored in the ledgers 295 and 790, and if the credit information of the customer is stored, the validity period of the stored customer credit information is determined. An expiration date confirmation unit 1135 (or an expiration date confirmation means) for checking whether the expiration date has passed, and if the expiration date of the customer credit information has not elapsed, the ledger inquiry unit 1140 for inquiring the customer's credit evaluation information and credit rating information. (Or ledger inquiry means) when the credit information of the customer is not stored in the credit ledger 295,790 or when the valid period of the customer credit information stored in the credit ledger 295,790 is not valid, A credit information inquiry unit 1145 (or credit information inquiry means) for inquiring the customer's credit information from the credit information company or the National Bank Federation Server; The customer information is received through the unit 1145 and transmitted to the credit information company server 1170, and the credit information inquiry unit 1145 receives the customer's credit information from the credit information company server 1170. Credit information transmitting and receiving unit 1160 (or credit information transmitting means) provided by the credit information inquiry unit 1145 at least one or more credit rating information, credit rating information and validity information of the customer inquired by the credit information ledger ( Information storage unit 1155 (or information storage means) stored in 295,790, and the financial transaction processing unit 1150 (or financial transaction processing means) that processes the financial transaction requested by the customer when the credit information of the customer is confirmed. And generate predetermined financial transaction result information for a financial transaction for a predetermined financial transaction requiring the credit information inquiry in connection with the financial transaction processing unit 1150, and the interface unit 1110 And an information transmission unit 1120 (or information transmission means) for transmitting the financial transaction result information to the terminal device 1165.

The terminal device 1165 inputs (or selects) financial transaction request information including at least one of the customer information, the transaction application information, and the credit inquiry approval information through the user interface, and through the financial network, the financial company server ( 1100) characterized in that the transmission.

The information receiving unit 1115 inputs (or selects) financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information through the user interface at the terminal 1165. When transmitting through, it is characterized in that for receiving the financial transaction request information in conjunction with the interface unit 1110, and provides the received financial transaction request information to the validity verification unit 1125.

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

The transaction application information is a financial transaction (e.g., loan application, card issuance, account opening and credit inquiry for which the customer needs credit information inquiry from the financial institution) for a predetermined financial transaction requiring the credit information inquiry. It is preferable to include the application information (eg, loan interest rate, loan request amount, interest rate, etc.) provided to the financial institution for the financial transaction.

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

The validity confirming unit 1125 checks whether the financial transaction request information received from the terminal device 1165 satisfies the validity for a predetermined financial transaction requiring credit information inquiry.

According to the method of the present invention, the validity of the financial transaction request information is determined by whether the ledger D / B on the financial system has an account ledger for the financial account corresponding to the customer information included in the financial transaction request information. It is preferable to include checking.

In addition, the validity check of the financial transaction request information is the information contained in the financial transaction request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the financial transaction system D / It is preferable to include checking whether the match with the customer ledger stored in B.

When the information confirming unit 1130 confirms the validity of the financial transaction request information from the validity confirming unit 1125, the credit information of the customer is based on the customer information included in the financial transaction request information. It is characterized by checking whether it is stored in the ledger (295, 790).

According to the method of the present invention, if the credit information of the customer is not stored in the credit information ledger (295, 790), the information verification unit 1130 is registered as a comprehensive credit information centralized organization through the credit information inquiry unit 1145 It is desirable to receive the credit information of the customer from a credit information company that has been granted a credit information business by the National Bank Federation or the Financial Supervisory Commission.

When the validity confirmation unit 1135 confirms that the customer's credit information is stored in the credit information ledgers 295 and 790 from the information confirmation unit 1130, the validity confirmation unit 1135 stores the credit information stored in the credit information ledgers 295 and 790. It is characterized by checking whether the expiration date of customer credit information has passed.

According to the exemplary embodiment of the present invention, the validity period checking unit 1135 performs the credit information inquiry unit 1145 when the validity period of the customer credit information stored in the credit information ledgers 295 and 790 is not valid. It is preferable to receive the customer's credit information from a credit information company that has been granted a credit information business by the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information intensive institution.

When the ledger inquiry unit 1140 confirms that the credit information of the customer is valid from the expiration date checker 1135, the credit evaluation information and the credit rating information of the customer stored in the credit information ledger 295,790 are determined. It is characterized by querying.

According to the exemplary embodiment of the present invention, when the credit information inquiry unit 1145 inquires the credit evaluation information and the credit rating information of the customer and stores the information in the credit information ledgers 295 and 790 through the information storage unit 1155, The ledger inquiry unit 1140 may store the credit evaluation information and the credit rating information of the customer stored through the information storage unit 1155 or the credit evaluation information and the credit valid for a valid period previously stored in the credit information ledgers 295 and 790. It is desirable to query grade information.

The credit information inquiry unit 1145 confirms that the customer's credit information is not stored in the credit information ledgers 295 and 790 through the information verification unit 1130 or through the expiration date confirmation unit 1135. If it is determined that the valid period of the customer credit information is invalid, the credit rating information and the credit rating information of the customer based on the customer information from the credit information company server 1170 through the credit information transmitting and receiving unit 1160 It is characterized in that for receiving and storing in the credit information ledger (295,790) through the information storage unit 1155.

The credit information transmitting and receiving unit 1160 receives the customer information included in the financial transaction application information validated through the validity confirming unit 1125 from the credit information inquiry unit 1145 and the credit information company server And transmits the credit rating information and the credit rating information of the customer, which are inquired based on the customer information, to the credit information inquiry unit 1145. It is done.

The information storage unit 1155 is provided with the customer's credit rating information and credit rating information inquired through the credit information inquiry unit 1145 and the credit rating information, credit rating information and expiration date information of the customer is credited. It stores the information in the ledger (295, 790).

When the credit information of the customer is confirmed, the financial transaction processing unit 1150 connects with the financial system equipped with the credit information ledgers 295 and 790 corresponding to the customer information, the customer information included in the financial transaction request information and transaction application. Based on the information, credit inquiry approval information, characterized in that for processing a financial transaction for a predetermined financial transaction requiring the credit information inquiry.

In addition, the financial transaction processing unit 1150 may be used to determine whether to process the financial transaction according to the credit information of the customer corresponding to the credit inquiry result of the ledger inquiry unit 1140.

When the financial transaction for a predetermined financial transaction requiring the credit information inquiry is processed by the financial transaction processing unit 1150, the information transmission unit 1120 is connected to the financial transaction processing unit 1150 to retrieve the credit information. Generate a financial transaction processing history including any one of a financial transaction approval history or a financial transaction error history for a financial transaction for a predetermined financial transaction, and the financial transaction processing is performed in connection with the interface unit 1110. The financial transaction result information including the details may be transmitted to the terminal device 1165 through the financial network.

Here, the financial transaction processing history is characterized by comprising the customer information and the transaction application information.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the terminal device 1165 through the financial network, and the terminal device receiving the financial transaction result information. 1165 outputs a predetermined financial transaction receipt including the financial transaction processing history included in the predetermined financial transaction result information.

12 is a diagram illustrating a ledger configuration corresponding to customer information provided in a financial system for a face-to-face financial transaction based on a credit information ledger (295,790) inquiry according to an embodiment of the present invention.

In more detail, FIG. 12 shows credit information corresponding to the financial account opened through the financial account opening system shown in FIG. 2 in the ledger D / B 1200 provided in the DBMS on the financial system shown in FIG. A method of implementing the method including the ledgers 295 and 790 is illustrated, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to obtain a predetermined financial information that requires the credit information inquiry. Various implementation methods for the ledger configuration corresponding to the financial account provided in the financial system for the transaction may be inferred, but the present invention includes all the implementation methods inferred, and only with the implementation method shown in FIG. It is not limited.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1200 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. Ledgers (eg, ledger, loan ledger, etc.) and credit information ledgers (295, 790), including those who have ordinary knowledge in the technical field to which the present invention belongs, the ledger provided in the DBMS on the financial system The D / B 1200 further includes at least one ledger and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger, the account ledger, and the credit information ledger 295,790 shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the financial account for a predetermined financial transaction requiring the credit information inquiry, and includes a customer information file (CIF) number, a country code, a contact person ID, a branch number, a customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mail Place, account number, president, type of business, legal representative, first trade date, TRW, DB, usage, parent company number. Country name, transmission, 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 account ledger is a ledger corresponding to the financial account for a predetermined financial transaction requiring the credit information inquiry, and is connected in relation to the customer ledger, and has a general knowledge in the technical field to which the present invention belongs. Since the contents and characteristics of the information contained in the account ledger and the additional information configuration will be clearly understood, a detailed description thereof will be omitted for convenience.

The credit information ledgers 295 and 790 are ledgers corresponding to the customer ledgers for a predetermined financial transaction requiring the credit information inquiry, and the national banks registered as comprehensive credit information concentration agencies through the credit information inquiry unit 1145. The ledger was created by receiving credit rating information and credit rating information of the customer from a credit information company licensed by the Federation or the Financial Supervisory Commission, which includes identification information, establishment information, personal loan information, personal debt guarantee information, At least one or more of the company's credit donation information, delinquency information, credit payment / payment information, bankruptcy information, related information, financial order disorder information, public record information, special record information, credit rating information, general delinquency information, and the like.

13 is a diagram illustrating a process of processing a financial transaction based on a credit ledger (295,790) inquiry in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a case in which the financial company server 1100 on the financial transaction system shown in FIG. 11 has a ledger server function on the financial system linked to the counter terminal through a predetermined financial network. After connecting to the financial company server 1100 and connecting a communication channel for the financial transaction, the financial company server 1100 includes the customer information, transaction application information, credit inquiry approval information through the communication channel When the financial transaction request information is transmitted, the financial institution server 1100 uses the customer information, the transaction application information, and the credit inquiry approval information included in the received financial transaction request information to obtain a predetermined financial information query. The present invention relates to a method of providing a financial transaction for a transaction. Those skilled in the art may refer to FIG. And / or may be modified to infer various implementation methods for processing a financial transaction for a given financial transaction requiring credit information lookup in the face-to-face manner, but the present invention may infer all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the window terminal shown in FIG. 11 is referred to as "terminal" for convenience, and the financial institution server 1100 shown in FIG. 11 is referred to as "server" for convenience.

Referring to FIG. 13, the terminal shown in FIG. 11 connects a communication channel for at least one financial transaction with the server through the financial network, and for a predetermined financial transaction requiring the credit information inquiry. A user interface for inputting (or selecting) financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information is output (1300).

Subsequently, a predetermined application (eg, at least one or more information item for a predetermined financial transaction requiring the credit information inquiry is entered from the customer includes at least one of the customer information, transaction application information, and credit inquiry approval information). Is prepared and submitted, the terminal receives the financial transaction request information including at least one of the customer information, transaction application information, credit inquiry approval information included in the application through the user interface Input (or select) 1305 and transmit financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information to the server through a financial network connecting the terminal and the server; 1315).

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

The transaction application information is a financial transaction (e.g., loan application, card issuance, account opening and credit inquiry for which the customer needs credit information inquiry from the financial institution) for a predetermined financial transaction requiring the credit information inquiry. It is preferable to include the application information (eg, loan interest rate, loan request amount, interest rate, etc.) provided to the financial institution for the financial transaction.

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

Thereafter, the server receives and reads financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information through the financial network, and confirms the validity of the financial transaction request information (1320). ).

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account ledger for the financial account corresponding to the customer information included in the financial transaction request information in the ledger D / B 1200 on the financial system. It is preferable to include checking whether it is provided.

In addition, the validity check of the financial transaction request information is the information contained in the financial transaction request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the financial transaction system D / It is preferably made to include matching with the customer ledger stored in B (1200).

If the validity of the financial transaction request information is not authenticated (1325), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1330), and the financial network The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1385), and in response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (1390).

On the other hand, if the validity of the financial transaction request information is authenticated (1325), the credit information linked to the customer ledger including the customer information included in the financial transaction request information that is validated in association with the financial system in the server Check the ledgers 295,790 (1335).

If there is no credit information ledger (295,790) associated with the customer ledger (1340), the credit rating information and credit rating information of the customer from the credit information company based on the customer information through the credit information inquiry unit in the server (1355), the credit rating information and credit rating information of the customer provided in connection with the financial system is stored in the credit information ledger (295, 790) (1360), and in conjunction with the financial system and the customer ledger Check the customer's credit rating information and credit rating information stored in the linked credit information ledger (295,790) (1365), and the financial transaction in connection with the financial system equipped with the credit information ledger (295,790) corresponding to the customer information Gold for any financial transaction that requires the credit information inquiry based on the customer information, transaction application information, and credit inquiry approval information included in the request information. If the financial transaction corresponding to the financial transaction request information is processed (1375), the server processes any one of the predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. Generate a financial transaction processing history including a (1380), and transmits the financial transaction result information including the financial transaction processing history through the financial network to the terminal (1385), the terminal corresponding to the financial transaction The financial transaction receipt including the processing history is printed and output (1390).

If the credit information ledger (295,790) associated with the customer ledger is confirmed (1340), the server checks the expiration date of the credit information ledger (295,790) associated with the customer ledger (1345).

If the valid period of the credit information ledger (295, 790) is not valid (1350), the credit information information and credit rating information of the customer is obtained from the credit information company based on the customer information through the credit information inquiry unit at the server. Received (1355), the provided credit rating information and credit rating information of the customer is stored in the credit information ledger (295, 790) in association with the financial system (1360), and linked with the customer ledger in conjunction with the financial system Check the customer's credit evaluation information and credit rating information stored in the credit information ledger (295,790) (1365) and request the financial transaction in connection with a financial system equipped with a credit information ledger (295,790) corresponding to the customer information Financing for any financial transaction that requires the credit information inquiry based on the customer information, transaction application information, and credit inquiry approval information included in the information If the financial transaction corresponding to the financial transaction request information is processed (1375), the server determines whether either the predetermined financial transaction approval information or the financial transaction error information according to the financial transaction processing result. Generate a financial transaction processing history including the transaction (1380), and transmits the financial transaction result information including the financial transaction processing history through the financial network to the terminal (1385), the terminal corresponding to the financial transaction processing The financial transaction receipt including the details is printed out (1390).

If the validity period of the credit information ledger (295, 790) is valid (1350), the credit rating information and credit rating of the customer stored in the credit information ledger (295, 790) associated with the customer ledger in connection with the financial system in the server Check the information (1365).

Thereafter, the server is linked with a financial system equipped with credit information ledgers 295 and 790 corresponding to the customer information, based on the customer information, transaction application information, and credit inquiry approval information included in the financial transaction request information. A financial transaction for a predetermined financial transaction requiring an inquiry is processed (1370).

If a financial transaction corresponding to the financial transaction request information is processed (1375), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1380, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial network. In response to the terminal, the terminal receives a financial transaction receipt including the financial transaction processing history. Print out (1390).

14 is a diagram illustrating a non-face-to-face financial transaction system for financial transactions based on credit information ledgers (295,790) inquiry according to another embodiment of the present invention.

More specifically, FIG. 14 illustrates at least one of customer information, transaction application information, and credit inquiry approval information for a predetermined financial transaction in which a predetermined customer needs the credit information inquiry to a financial transaction system through a predetermined financial transaction interface. When providing the financial transaction request information including the above, the financial transaction system uses the customer information, transaction application information, and credit inquiry approval information included in the provided financial transaction request information to request the credit information inquiry. The present invention relates to a system for providing a financial transaction for a financial transaction. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to obtain a predetermined financial information that requires credit information inquiry. It will be possible to infer various implementation methods for the financial transaction system configuration for the transaction, but the present invention It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, a financial transaction for a predetermined financial transaction requiring the credit information inquiry using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 14 is provided. Components corresponding to at least one or more means and / or functional configurations are referred to as " financial company server 1400 " for convenience, and in FIG. 14 providing the non-face-to-face financial transaction service, the financial company server 1400 is Internet banking. It is preferable to include all types of non-face-to-face banking servers including at least one server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 14 according to an embodiment of the present invention, a financial transaction system for a predetermined financial transaction requiring the credit information inquiry includes a client including at least one wired terminal and / or wireless terminal used by a customer. A terminal device 1465 including at least one terminal, a network means corresponding to a wired communication network and / or a wireless communication network to which the terminal device 1465 is connected, and the terminal device 1465 through the network means. A credit information ledger corresponding to the loan account opened through a financial company server 1400 connected to process a financial transaction for a predetermined financial transaction requiring the credit information inquiry and the financial account opening system shown in FIG. (295,790) is characterized by including a stored financial system.

The financial system that processes the at least one financial transaction service through the credit information ledger (295,790) corresponding to the loan account opened through the financial account opening system shown in Figure 7 in connection with the financial company server (1400) At least one window terminal provided at a branch (and / or branch) of the financial institution and a predetermined financial network (for example, a branch network), and at least one financial transaction customer through the window terminal. Provide face-to-face financial transaction services.

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (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 A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile 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. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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 (e.g., wireless terminal equipped with a 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. Through IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

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

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

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

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

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored as, the ledger information is shown in FIG. And includes predetermined account ledger with a predetermined credit ledger (295 790) corresponding to the financial account opening through the molten account opening system is characterized in that formed.

Those skilled in the art to which the present invention pertains may include 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 characteristics of the financial system. In addition to knowing at least one corresponding ledger additional information, each ledger information is stored in a relational manner and / or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer connects to the financial institution server 1400 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, When the financial transaction request information for the predetermined financial transaction requiring the credit information inquiry is input (or selected) through at least one user interface provided by the financial institution server 1400, the client terminal selects a predetermined network means. It is preferable to transmit to the financial company server 1400 provided on the financial transaction system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 1465 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; / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 1465 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. (1465), and / or all terminal devices 1465 connected to the IEEE 802.16x based portable Internet, and / or all terminal devices 1465 connected to Motorola's DataTAC method and / or Erricson's Mobitex method wireless data communication network. Collectively, Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or PHS connected to the CDMA based mobile communication network (Personal Handyphone System) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or At least one wireless communication terminal connected to the HSDPA-based wireless communication 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 financial institution server 1400 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.

The network means for connecting the client terminal and the financial institution server 1400 may be a CDMA based mobile communication network and / or an HSDPA based wireless communication network and / or an IEEE 802.16x based portable device according to a wireless communication network type to which the client terminal is connected. It is preferable that any one of the Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types 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 financial institution server 1400, and inputs and / or selects at least one or more information through the user interface to transmit to the financial institution server 1400. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 1400, 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 financial transaction 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 communication network connecting the client terminal and the financial company server 1400 and / or Alternatively, the wireless communication network performs a function of a financial transaction interface for registering financial transaction request information for a predetermined financial transaction in which the customer needs the credit information inquiry.

According to another exemplary embodiment of the present invention, the terminal device 1465 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the terminal device 1465 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 1400. The financial network that connects) performs a function of a financial transaction interface for registering the financial transaction request information for a predetermined financial transaction in which the customer requires the credit information inquiry, and / or the terminal device 1465. Is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 1400 is the customer the credit information; Perform a function of a financial transaction interface for registering financial transaction request information for a predetermined financial transaction requiring an inquiry, and / or the financial device which is the terminal device 1465 In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with an institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial company The network connecting the server 1400 performs a function of a financial transaction interface for registering the financial transaction request information for a predetermined financial transaction in which the customer needs the credit information inquiry.

The financial company server 1400 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system-side components connected to the terminal 1465 through a predetermined network means, and includes at least one server (or Device) and / or at least one program 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 terminal device 1465 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 1400 may be configured as the client terminal. A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet 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 internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is limited. It does.

According to another exemplary embodiment of the present invention, when the terminal device 1465 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 1400 may be configured on the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 1465 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 1400 is on the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien, and / or a program provided in the external world on the financial system, whereby the present invention is not limited. The.

According to another exemplary embodiment of the present invention, when the terminal device 1465 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 company server 1400 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

The financial transaction request information transmitted from the terminal device 1465 for the predetermined financial transaction requiring the credit information inquiry to the financial institution server 1400 includes predetermined customer information, transaction application information, and credit inquiry approval information. Characterized in that it comprises at least one or more.

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

The transaction application information is a financial transaction (e.g., loan application, card issuance, account opening and credit inquiry for which the customer needs credit information inquiry from the financial institution) for a predetermined financial transaction requiring the credit information inquiry. It is preferable to include the application information (eg, loan interest rate, loan request amount, interest rate, etc.) provided to the financial institution for the financial transaction.

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

According to an embodiment of the present invention, the financial institution server 1400 includes an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 1465 through the network means. It is characterized by.

According to an embodiment of the present invention, when the terminal device 1465 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 1405 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 1400, the interface unit 1405 communicates with the client terminal based on the TCP / IP protocol. It 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 1465 is a financial automation device connected to a predetermined financial network, the interface unit 1405 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 1465 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 may implement a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1405 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 financial institution server 1400, the interface unit 1405 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 1465 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 may connect 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 1405 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 terminal device 1465 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1405 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. 14, the financial institution server 1400 may be configured such that a predetermined terminal device 1465 connects a communication channel with the financial institution server 1400 through the interface unit 1405, and / or through the communication channel. When requesting a financial transaction for a predetermined financial transaction requiring the credit information inquiry, the terminal device 1465 inputs (or selects) predetermined financial transaction request information in connection with the interface unit 1405 and transmits it. And an interface providing unit 1410 (or interface providing means) for generating (or extracting) a predetermined user interface and providing the terminal device 1465 to the terminal device 1465. When 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 connects a communication channel with the financial institution server 1400 through a predetermined terminal device 1465 through the interface unit 1405, and then provides a functional configuration of the terminal device 1465. Correspondingly generate (or select) the financial transaction request information and generate a predetermined user interface capable of transmitting to the financial institution server 1400 via the network means, and / or extract from a predetermined database (not shown) And the user interface generated (or extracted) in cooperation with the interface unit 1405 to the terminal device 1465 through the network means.

According to an embodiment of the present invention, when the terminal device 1465 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 1410 may include Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 1405. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 1465 is a financial automation device connected to a predetermined financial network, the interface providing unit 1410 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the terminal device 1465 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the terminal device 1465 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1410 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (for example, an ARS-based user interface) through the interface unit 1405 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 1465 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1410 may 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 1405.

According to another exemplary embodiment of the present invention, the terminal apparatus 1465 includes at least one user interface for inputting (or selecting) the financial transaction request information to the financial institution server 1400 through the network means and transmitting the requested information. When the terminal side banking program is provided, the interface providing unit 1410 for providing the user interface to the terminal device 1465 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) financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information to transmit to the financial company server 1400. It is preferred to include an interface function.

Referring to FIG. 14, the financial company server 1400 inputs financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information through the user interface at the terminal device 1465 (or Select) to receive the financial transaction request information including at least one of the customer information, the transaction application information, and the credit inquiry approval information in association with the interface unit 1405 (or the information receiving unit). Means), a validity checking unit 1425 (or validity checking means) for checking the validity of the customer information, the transaction application information, and the credit inquiry approval information included in the received financial transaction request information; The credit information for a predetermined financial transaction requiring the credit information inquiry on the basis of the financial transaction request information confirmed in association with the validity An information checking unit 1430 (or information checking means) for checking whether the credit information of the customer is stored in the ledgers 295 and 790, and if the credit information of the customer is stored, the validity period of the stored customer credit information An expiration date confirmation unit 1435 (or an expiration date confirmation means) for checking whether the elapsed time has passed, and if the validity period of the customer credit information has not elapsed, the ledger inquiry unit 1440 for inquiring the credit evaluation information and the credit rating information of the customer. (Or ledger inquiry period), the credit information of the customer is not stored in the credit ledger (295, 790), or the validity period of the customer credit information stored in the credit ledger (295, 790) is invalid A credit information inquiry unit 1445 (or credit information inquiry means) for inquiring the customer's credit information from the credit information company or the National Bank Federation Server; Receives the customer information through the referral 1445 and transmits it to the credit information company server 1470, and receives the customer's credit information from the credit information company server 1470 to the credit information inquiry unit 1445. Credit information transmitting and receiving unit 1460 (or credit information transmitting and receiving means), the credit information information and credit rating information and the expiration date information of the customer inquired from the credit information inquiry unit 1445, the credit information ledger ( An information storage unit 1455 (or information storage means) stored in 295 and 790, a financial transaction processing unit 1450 and a financial transaction processing unit 1450 which process the financial transaction requested by the customer when the credit information of the customer is confirmed. And generate predetermined financial transaction result information for a financial transaction for a predetermined financial transaction requiring credit information inquiry, and in conjunction with the interface unit 1405 The transaction result information is characterized in that formed by an information transmitting unit 1420 to transmit to the terminal device (1465).

The terminal device 1465 inputs (or selects) financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information through the user interface, and through the network means, the financial company server ( 1400) characterized in that the transmission.

The information receiving unit 1415 inputs (or selects) the financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information through the user interface at the terminal device 1465 to perform the network means. When transmitting through, it is characterized in that for receiving the financial transaction request information in conjunction with the interface unit 1405, and provides the received financial transaction request information to the validity check unit 1425.

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

The transaction application information is a financial transaction (e.g., loan application, card issuance, account opening and credit inquiry for which the customer needs credit information inquiry from the financial institution) for a predetermined financial transaction requiring the credit information inquiry. It is preferable to include the application information (eg, loan interest rate, loan request amount, interest rate, etc.) provided to the financial institution for the financial transaction.

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

The validity confirming unit 1425 checks whether the financial transaction request information received from the terminal device 1465 satisfies the validity for a predetermined financial transaction requiring credit information inquiry.

According to the method of the present invention, the validity of the financial transaction request information is determined by whether the ledger D / B on the financial system has an account ledger for the financial account corresponding to the customer information included in the financial transaction request information. It is preferable to include checking.

Further, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. When encrypted through an included encryption key), the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information), and the decryption. It is preferable to include whether or not is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is the information contained in the financial transaction request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the financial transaction system D / It is preferable to include checking whether the match with the customer ledger stored in B.

When the validity confirming unit 1425 confirms the validity of the financial transaction request information, the information confirming unit 1430 converts the credit information of the customer into the credit information based on the customer information included in the financial transaction request information. It is characterized by checking whether it is stored in the ledger (295, 790).

According to the method of the present invention, if the credit information of the customer is not stored in the credit information ledger (295, 790), the information verification unit 1430 is registered as a comprehensive credit information central organ through the credit information inquiry unit (1445) It is desirable to receive the credit information of the customer from a credit information company that has been granted a credit information business by the National Bank Federation or the Financial Supervisory Commission.

When the validity confirmation unit 1435 confirms that the customer's credit information is stored in the credit information ledger 295,790 from the information confirmation unit 1430, the validity check unit 1435 stores the credit information stored in the credit information ledger 295,790. It is characterized by checking whether the expiration date of customer credit information has passed.

According to the exemplary embodiment of the present invention, the validity period checking unit 1435 performs the credit information inquiry unit 1445 when the valid period of the customer credit information stored in the credit information ledgers 295 and 790 is not valid. It is preferable to receive the customer's credit information from a credit information company that has been granted a credit information business by the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information intensive institution.

When the ledger inquiry unit 1440 confirms that the customer's credit information is valid from the expiration date checker 1435, the ledger inquiry unit 1440 stores the credit evaluation information and the credit rating information of the customer stored in the credit information ledgers 295,790. It is characterized by inquiring.

According to an embodiment of the present invention, when the credit information inquiry unit 1445 queries the customer's credit evaluation information and credit rating information and stores the information in the credit information ledgers 295 and 790 through the information storage unit 1455, The ledger inquiry unit 1440 stores credit evaluation information and credit rating information of the customer stored through the information storage unit 1455 or credit evaluation information with valid expiration date previously stored in the credit information ledgers 295,790. It is desirable to query grade information.

The credit information inquiry unit 1445 confirms that the customer's credit information is not stored in the credit information ledgers 295 and 790 through the information confirmation unit 1430, or through the expiration date confirmation unit 1435. If it is determined that the valid period of the customer credit information is invalid, the credit rating information and the credit rating information of the customer based on the customer information from the credit information company server 1470 through the credit information transmitting and receiving unit 1460 It is characterized in that for receiving and storing in the credit information ledger (295,790) through the information storage unit 1455.

The credit information transmitting and receiving unit 1460 receives the customer information included in the financial transaction application information validated through the validity confirming unit 1425 from the credit information inquiry unit 1445, and receives the credit information company server. And transmits the credit rating information and the credit rating information of the customer inquired based on the customer information from the credit information company server 1470 and provides the received credit rating information to the credit information inquiry unit 1445. It is done.

The information storage unit 1455 receives the customer's credit rating information and credit rating information retrieved through the credit information inquiry unit 1445, and stores the credit rating information, the credit rating information, and the expiration date information of the customer. It stores the information in the ledger (295, 790).

* When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1450 is linked to a financial system equipped with an account ledger corresponding to the loan account, the customer information included in the financial transaction request information, transaction application Based on the information, credit inquiry approval information, characterized in that for processing a financial transaction for a predetermined financial transaction requiring the credit information inquiry.

In addition, the financial transaction processing unit 1450 may be used to determine whether to process the financial transaction according to the credit information of the customer corresponding to the credit inquiry result of the ledger inquiry unit 1440.

When the financial transaction for a predetermined financial transaction requiring the credit information inquiry is processed by the financial transaction processing unit 1450, the information transmission unit 1420 is inquiring about the credit information in connection with the financial transaction processing unit 1450. Generate a financial transaction processing history including any one of a financial transaction approval history or a financial transaction error history for a financial transaction for a predetermined financial transaction, and the financial transaction processing is performed in connection with the interface unit 1405. The financial transaction result information including the details may be transmitted to the terminal device 1465 through the network means.

Here, the financial transaction processing history is characterized by comprising the customer information and the transaction application information.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the terminal device 1465 through the network means. The financial transaction result information may include the financial transaction request. It is preferable that the information is encrypted similarly to the information, or the electronic signature of the financial institution is attached and transmitted to the terminal device 1465.

15 is a diagram illustrating a ledger configuration corresponding to a loan account provided in a financial system for a non-face-to-face financial transaction for a financial transaction based on a credit information ledger (295,790) inquiry according to an embodiment of the present invention. .

More specifically, FIG. 15 shows credit information ledgers corresponding to the financial accounts opened through the financial account opening system shown in FIG. 7 in the ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 15 for a predetermined financial transaction requiring the credit information inquiry. Various implementation methods for the ledger configuration corresponding to the financial account provided in the financial system may be inferred, but the present invention includes all the implementation methods inferred 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 provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger (eg , Ledger, loan ledger, etc.) and credit information ledgers (295,790), and those skilled in the art to which the present invention belongs, the ledger D / B provided in the DBMS on the financial system It will be clearly understood that in addition to the customer ledger, account ledger and credit information ledger 295,790 shown in this figure 15, at least one ledger and / or at least one additional information for maintaining and managing the ledgers is shown. In addition, since it will be familiar with the specific technical matters, a detailed description thereof will be omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the financial account for a predetermined financial transaction requiring the credit information inquiry, and includes a customer information file (CIF) number, a country code, a contact person ID, a branch number, a customer Classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mail Place, account number, president, type of business, legal representative, first trade date, TRW, DB, usage, parent company number. Country name, transmission, 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 account ledger is a ledger corresponding to the financial account for a predetermined financial transaction requiring the credit information inquiry, and is connected in relation to the customer ledger, and has a general knowledge in the technical field to which the present invention belongs. Since the contents and characteristics of the information contained in the account ledger and the additional information configuration will be clearly understood, a detailed description thereof will be omitted for convenience.

The credit information ledgers 295 and 790 are ledgers corresponding to the customer ledgers for a predetermined financial transaction requiring the credit information inquiry. National banks registered as comprehensive credit information concentration agencies through the credit information inquiry unit 1445. The ledger was created by receiving credit rating information and credit rating information of the customer from a credit information company licensed by the Federation or the Financial Supervisory Commission, which includes identification information, establishment information, personal loan information, personal debt guarantee information, At least one or more of the company's credit donation information, delinquency information, credit payment / payment information, bankruptcy information, related information, financial order disorder information, public record information, special record information, credit rating information, general delinquency information, and the like.

16 illustrates a process of processing a financial transaction for a predetermined financial transaction requiring a credit information inquiry in a non-face-to-face manner for a financial transaction based on a credit ledger (295,790) inquiry according to an embodiment of the present invention. Figure is shown.

In more detail, FIG. 16 illustrates a case where the financial institution server 1400 on the financial transaction system illustrated in FIG. 14 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial company server 1400 and connecting a communication channel for the financial transaction, the financial information including the customer information, transaction application information, credit inquiry approval information to the financial company server 1400 through the communication channel When the transaction request information is transmitted, a predetermined financial transaction requiring the credit information inquiry using the customer information, the transaction application information, and the credit inquiry approval information included in the received financial transaction request information at the financial company server 1400. As an implementation method for providing a financial transaction for a person having ordinary knowledge in the technical field to which the present invention belongs. However, various implementation methods for a process of processing a financial transaction for a predetermined financial transaction requiring credit information inquiry in the non-face-to-face manner may be inferred by referring to and / or modifying the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the client terminal illustrated in FIG. 14 is referred to as a “terminal” for convenience, and the financial institution server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience.

Referring to Figure 16, the terminal shown in Figure 14 is a predetermined network means (e.g., if the terminal is a wired terminal, a TCP / IP based wired communication network, if the terminal is a wireless terminal, a CDMA based mobile communication network, and And / or request a financial transaction for a predetermined financial transaction requiring the credit information inquiry (1600) by accessing the server through an HSDPA based wireless communication network and / or an IEEE 802.16x based portable Internet, etc. The server may include a user interface for inputting (or selecting) financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information for a predetermined financial transaction requiring the credit information inquiry. A web page is generated (or extracted) and transmitted to the terminal through the communication channel and output (1605).

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 procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information through the user interface (1610).

If the terminal receives (or selects) financial transaction request information including the customer information, the transaction application information, and the credit inquiry approval information through the user interface (1615), the terminal receives the input through the communication channel ( Or) the selected customer information, transaction application information, and credit inquiry approval information to the server (1620), and the customer information, transaction request information, and credit inquiry approval inputted (or selected) through the communication channel at the terminal. The transmitting of the information to the server may include electronically signing and / or encrypting the financial transaction request information input (or selected) through the user interface through a security module (not shown) provided in the terminal and transmitting the information to the server. It is preferable that it further comprises.

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

The transaction application information is a financial transaction (e.g., loan application, card issuance, account opening and credit inquiry for which the customer needs credit information inquiry from the financial institution) for a predetermined financial transaction requiring the credit information inquiry. It is preferable to include the application information (eg, loan interest rate, loan request amount, interest rate, etc.) provided to the financial institution for the financial transaction.

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

Thereafter, the server receives and reads financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information through the communication channel, and confirms the validity of the financial transaction request information (1625). The validity of the financial transaction request information may include decrypting the financial transaction request information when the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal. Or, and / or decrypting the financial transaction request information.

According to the method of the present invention, the validity of the financial transaction request information is determined by whether the ledger D / B on the financial system has an account ledger for the financial account corresponding to the customer information included in the financial transaction request information. It is preferable to include checking.

Further, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. When encrypted through an included encryption key), the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information), and the decryption. It is preferable to include whether or not is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is the information contained in the financial transaction request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the financial transaction system D / It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the financial transaction request information is not authenticated (1630), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1635), and the communication channel. In operation 1690, the financial transaction result information including the financial transaction processing history is transmitted to the terminal. The terminal outputs the financial transaction result including the financial transaction processing history in operation 1695.

On the other hand, if the validity of the financial transaction request information is authenticated (1630), the credit information associated with the customer ledger including the customer information included in the financial transaction request information that is validated in association with the financial system in the server Check the ledgers 295,790 (1640).

If there is no credit ledger (295, 790) associated with the customer ledger (1645), the credit rating information of the customer from the credit information company based on the customer information through the credit information inquiry unit 1445 in the server And credit rating information (1660), the credit rating information and credit rating information of the customer provided in connection with the financial system and stored in the credit information ledger (295, 790) (1665), in conjunction with the financial system Check the customer's credit rating information and credit rating information stored in the credit information ledger (295,790) associated with the customer ledger (1670), and linked with a financial system equipped with a credit information ledger (295,790) corresponding to the customer information For a predetermined financial transaction requiring the credit information inquiry based on the customer information, transaction application information, and credit inquiry approval information included in the financial transaction request information. If a financial transaction corresponding to the financial transaction request information is processed (1680) and the financial transaction corresponding to the financial transaction request information is processed (1680), the server determines either one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. Generate a financial transaction processing history including a (1685), and transmits the financial transaction result information including the financial transaction processing history to the terminal via the communication channel (1690), the terminal corresponding to the financial transaction The screen displays the financial transaction result including the transaction details (1695).

If the credit information ledger (295, 790) associated with the customer ledger is confirmed (1645), the server checks the expiration date of the credit information ledger (295, 790) associated with the customer ledger (1650).

If the validity period of the credit information ledgers (295, 790) is not valid (1655), the credit information information and the credit rating information of the customer from the credit information company based on the customer information through the credit information inquiry unit 1445 in the server Receive credit rating information (1660), store the credit rating information and credit rating information of the customer provided in the credit information ledger (295, 790) in association with the financial system (1665), and in connection with the financial system Check the customer's credit rating information and credit rating information stored in the credit information ledger (295,790) associated with the customer ledger (1670), and in connection with the financial system equipped with the credit information ledger (295,790) corresponding to the customer information Based on the customer information, transaction application information, and credit inquiry approval information included in the financial transaction request information for a predetermined financial transaction requiring the credit information inquiry If a financial transaction corresponding to the financial transaction request information is processed (1680), the server processes either the financial transaction approval information or the financial transaction error information according to the financial transaction processing result (1680). Generate a financial transaction processing history including a (1685), and transmits the financial transaction result information including the financial transaction processing history to the terminal via the communication channel (1690), the terminal corresponding to the financial transaction The screen displays the financial transaction result including the transaction details (1695).

If the validity period of the credit information ledger (295,790) is valid (1655), the credit rating information and credit rating of the customer stored in the credit information ledger (295,790) linked to the customer ledger in connection with the financial system in the server Verify the information (1670).

Thereafter, the server is linked with a financial system equipped with credit information ledgers 295 and 790 corresponding to the customer information, based on the customer information, transaction application information, and credit inquiry approval information included in the financial transaction request information. Process a financial transaction for a given financial transaction that requires an inquiry (1675).

If a financial transaction corresponding to the financial transaction request information is processed (1680), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1685, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel (1690). In response, the terminal transmits the financial transaction result including the financial transaction processing history. Screen output (1695).

17A and 17B illustrate a financial transaction for a predetermined financial transaction requiring a credit information inquiry in a non-face-to-face manner for a financial transaction based on a credit ledger (295,790) inquiry according to another embodiment of the present invention. It is a figure which shows the process of processing.

In more detail, FIGS. 17A and 17B illustrate that when the financial transaction system illustrated in FIG. 14 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, And accessing the Internet banking server through the Internet, and performing a predetermined customer authentication procedure, and then requesting the banking information of the predetermined financial transaction request information for a predetermined financial transaction requiring credit information inquiry from the client terminal. When the financial transaction request information including the customer information, transaction application information, and credit inquiry approval information is transmitted to a server, customer information, transaction application information, included in the received financial transaction request information at the financial institution server 1400, By using the credit inquiry approval information, a financial transaction for a predetermined financial transaction requiring the credit information inquiry can be performed. The present disclosure relates to a method for carrying out the disclosure, and a person skilled in the art needs to refer to and / or modify the drawings 17a and 17b to inquire credit information in a non-face-to-face manner other than the Internet banking. Various implementation methods for the process of processing a financial transaction for a given financial transaction 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. No.

That is, the browser program 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. 17A and 17B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 17A and 17B, based on a predetermined Internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. Financial transactions Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

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 17a and 17b, a telebanking system And / or each non-face-to-face for financial transaction processing for any financial transaction requiring the credit information inquiry in any other non-face-to-face banking system including at least one or more of a wireless banking system and / or a TV banking system. It is possible to infer an implementation method of connecting a financial transaction channel corresponding to a channel, but the present invention provides a telebanking system and / or a wireless banking system and / or a TV banking system and / or a non-face-to-face channel banking system proposed in the future. It includes all kinds of non-face-to-face channel-based financial transactions, including the technical configuration of the present invention It is by no means limited to the case of Internet banking shown in Figs. 7A and 17B.

Hereinafter, in FIG. 17A and FIG. 17B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 1400 is referred to as a "server" for convenience.

17A and 17B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server communicates between the terminal and the server through the browser. (1705a), 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 (1710a).

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 installed and / or updated in the terminal (1715a), 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 (1720a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1725a), or if the terminal does not need to install and / or update the security module for internet banking (1715a), 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 (1730a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering financial transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by 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 A communication channel for decrypting the information (or data) by 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 Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering financial transaction request information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server 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 is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1740a), the server (and / or authentication server) authenticates the customer connected via the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1745a).

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), 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 (1760a), where the Internet banking-based The financial transaction channel may transmit the financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information from the terminal to the server to process the internet banking based financial transaction. It means a communication channel.

Thereafter, the terminal requests an internet banking-based financial transaction for a predetermined financial transaction requiring the credit information inquiry to the server through the financial transaction channel (1700b), and correspondingly, the server queries the credit information. Generating (or extracting) a web page including a user interface for inputting (or selecting) financial transaction request information including at least one of customer information, transaction application information, and credit inquiry approval information for a predetermined financial transaction requiring ) Is transmitted to the terminal through the financial transaction channel and output (1705b).

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 procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information through the user interface (1710b).

If the terminal receives (or selects) financial transaction request information including the customer information, transaction application information, and credit inquiry approval information through the user interface (1715b), the terminal inputs the information through the financial transaction channel. (Or selected) customer information, transaction application information, and credit inquiry approval information are transmitted to the server (1720b), and the customer information, transaction application information, and credit inputted (or selected) through the financial transaction channel in the terminal. The transmission of the inquiry approval information to the server may be performed by electronically signing and / or encrypting the financial transaction request information input (or selected) through the user interface through a security module (not shown) provided in the terminal. It is preferable to further comprise transmitting.

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

The transaction application information is a financial transaction (e.g., loan application, card issuance, account opening and credit inquiry for which the customer needs credit information inquiry from the financial institution) for a predetermined financial transaction requiring the credit information inquiry. It is preferable to include the application information (eg, loan interest rate, loan request amount, interest rate, etc.) provided to the financial institution for the financial transaction.

The credit inquiry approval information is sent to a credit information company that receives a credit information business license from the National Bank Federation or the Financial Supervisory Commission, which is registered as a comprehensive credit information concentration institution for the credit of the customer when the customer receives a loan from the financial institution. It is desirable to include the customer's consent information for querying the customer's credit information.

The expiration date information is a period of use of the customer's credit rating information and credit rating information received and stored by the financial institution from the National Bank Federation or a credit information company, and the credit rating information and credit of the customer determined by an operator It is preferable to include the expiration date of the grade information.

Thereafter, the server receives and reads financial transaction request information including at least one of the customer information, transaction application information, and credit inquiry approval information through the financial transaction channel, and confirms the validity of the financial transaction request information. 1725b) confirming the validity of the financial transaction request information, if the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the financial transaction request information; And decrypting the financial transaction request information.

According to the method of the present invention, the validity of the financial transaction request information is determined by whether the ledger D / B on the financial system has an account ledger for the financial account corresponding to the customer information included in the financial transaction request information. It is preferable to include checking.

Further, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. When encrypted through an included encryption key), the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information), and the decryption. It is preferable to include whether or not is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is the information contained in the financial transaction request information, the customer information (customer personal information, member information, etc.) is ledger on the financial system associated with the financial transaction system D / It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the financial transaction request information is not authenticated (1730b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1735b), and the financial transaction. The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a channel (1790b). In response, the terminal outputs the financial transaction result including the financial transaction processing history (1795b).

On the other hand, if the validity of the financial transaction request information is authenticated (1730b), the credit information associated with the customer ledger including the customer information included in the financial transaction request information that is validated in association with the financial system in the server Check the ledgers 295, 790 (1740b).

If there is no credit ledger (295,790) associated with the customer ledger (1745b), the credit rating information of the customer from the credit information company based on the customer information through the credit information inquiry unit 1445 in the server And credit rating information (1760b), the credit rating information and credit rating information of the customer provided in connection with the financial system is stored in the credit information ledger (295,790) (1765b), and in conjunction with the financial system Check the customer's credit evaluation information and credit rating information stored in the credit information ledger (295,790) associated with the customer ledger (1770b), and linked with the financial system equipped with the credit information ledger (295,790) corresponding to the customer information A predetermined financial transaction requiring the credit information inquiry based on the customer information, transaction application information, and credit inquiry approval information included in the financial transaction request information. And a financial transaction corresponding to the financial transaction request information (1780b), if the financial transaction corresponding to the financial transaction request information is processed (1780b), the server according to the financial transaction processing result of any financial transaction approval information or financial transaction error information; Generate a financial transaction processing history including one (1785b), and transmit financial transaction result information including the financial transaction processing history to the terminal through the financial transaction channel (1790b); The financial transaction result including the transaction transaction history is displayed on the screen (1795b).

If the credit information ledger (295,790) linked to the customer ledger is confirmed (1745b), the server checks the expiration date of the credit information ledger (295,790) linked to the customer ledger (1750b).

If the validity period of the credit information ledgers (295, 790) is not valid (1755b), the credit information information and the credit rating information of the customer from the credit information company based on the customer information through the credit information inquiry unit 1445 in the server Receive credit rating information (1760b), store the credit rating information and credit rating information of the customer provided in the credit information ledger (295,790) in conjunction with the financial system (1765b), and in conjunction with the financial system Check the customer's credit rating information and credit rating information stored in the credit information ledger (295,790) associated with the customer ledger (1770b), and in conjunction with the financial system equipped with the credit information ledger (295,790) corresponding to the customer information On the basis of the customer information, transaction application information, credit inquiry approval information included in the financial transaction request information for a predetermined financial transaction that requires the credit information inquiry If a financial transaction corresponding to the financial transaction request information is processed (1780b), the server processes either a financial transaction approval information or financial transaction error information according to the financial transaction processing result. Generate a financial transaction processing history including a transaction (1785b), and transmit financial transaction result information including the financial transaction processing history to the terminal through the financial transaction channel (1790b); The financial transaction result including the transaction processing history is displayed on the screen (1795b).

If the validity period of the credit information ledger (295,790) is valid (1755b), the credit rating information and credit rating of the customer stored in the credit information ledger (295,790) linked to the customer ledger in connection with the financial system in the server Verify the information (1770b).

Thereafter, the server is linked with a financial system equipped with credit information ledgers 295 and 790 corresponding to the customer information, based on the customer information, transaction application information, and credit inquiry approval information included in the financial transaction request information. Process a financial transaction for a predetermined financial transaction requiring an inquiry (1775b).

If a financial transaction corresponding to the financial transaction request information is processed (1780b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1785b), and transmits the financial transaction result information including the financial transaction processing history to the terminal through the financial transaction channel (1790b), and the terminal corresponding to the financial transaction result including the financial transaction processing history; Screen is displayed (1795b).

According to the present invention, since the credit information stored by the financial institution for the customer is stored and used for a certain period of time, there is an advantage in that the credit rating can be prevented from being caused by the customer's excessive credit inquiry.

In addition, since the credit information of the customer is stored, since the number of credit information inquiry from the financial institution to the credit information company is reduced, there is an advantage of reducing the expenditure due to the credit information inquiry.

1 is a view showing a credit information inquiry history management system according to an embodiment of the present invention.

2 is a diagram illustrating a face-to-face credit information ledger construction system for a predetermined loan application requiring credit information inquiry according to an embodiment of the present invention.

3 is a diagram illustrating an implementation method of a credit information ledger for storing credit inquiry information corresponding to a loan account opened in a face-to-face manner in a DBMS on a financial system according to an embodiment of the present invention.

4A and 4B illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry in a face-to-face manner according to one embodiment of the present invention.

5A and 5B illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry in a face-to-face manner according to another embodiment of the present invention.

6A and 6B illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry in a face-to-face manner according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a non-face-to-face credit information ledger construction system for a predetermined loan application requiring credit information inquiry according to another embodiment of the present invention.

8 is a diagram illustrating an implementation method in which a credit information ledger storing credit inquiry information corresponding to a loan account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

9A and 9B illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry in a non-face-to-face manner according to one embodiment of the present invention.

10A, 10B, and 10C illustrate a process of opening a loan account for a predetermined loan application requiring credit information inquiry according to an embodiment of the present invention.

11 is a diagram illustrating a face-to-face financial transaction system based on credit information ledger inquiry according to an embodiment of the present invention.

12 is a diagram illustrating a ledger configuration corresponding to customer information included in a financial system for a face-to-face financial transaction based on credit information ledger inquiry according to an embodiment of the present invention.

13 is a diagram illustrating a process of processing a financial transaction based on credit information ledger inquiry in a face-to-face manner according to an embodiment of the present invention.

14 is a diagram illustrating a non-face-to-face financial transaction system for financial transactions based on credit information ledger in accordance with another embodiment of the present invention.

15 is a view illustrating a ledger configuration corresponding to a loan account provided in a financial system for a non-face-to-face financial transaction for financial transactions based on credit information ledger inquiry according to an embodiment of the present invention.

16 is a diagram illustrating a process of processing a financial transaction for a predetermined financial transaction requiring a credit information inquiry in a non-face-to-face manner for a financial transaction based on a credit information ledger inquiry according to an embodiment of the present invention. to be.

17A and 17B illustrate a process of processing a financial transaction for a predetermined financial transaction requiring a credit information inquiry in a non-face-to-face manner for a financial transaction based on a credit information ledger inquiry according to another embodiment of the present invention. Figure is a diagram.

<Description of main parts of drawing>

200, 700, 1100, 1400: Financial Institution Server

290, 785, 1170, 1470: Credit Information Server

Claims (1)

When a customer requests a financial transaction requiring credit information inquiry, the server retrieves and receives credit rating information and credit rating information about the customer from a credit information server, and then the customer information, credit rating information, credit rating information, and the like. Establishing a credit information ledger by linking expiration date information; When the customer requests the next financial transaction requiring credit information inquiry, the server first checks whether the credit information ledger including the customer information is established and then checks whether the validity period of the credit information ledger has elapsed. step; And If the validity period has not elapsed as a result of the checking, the server inquires the credit rating information and the credit rating information of the customer from the credit information ledger, and if the validity period has elapsed, from the credit information server The credit information inquiry history management method further comprises the step of querying the credit rating information and credit rating information for the customer.