KR20090114564A - Method and System for Providing Service of Small Sum Loan by Using Disposable Secret Access Number and Recording Medium - Google Patents

Abstract

PURPOSE: A small loan service providing method using a disposable password and a recording medium therefor are provided to enhance the convenience of the small loan processing using a portable phone. CONSTITUTION: When a small loan service is requested by using a disposable password through a client phone, the phone number of a client and a small loan request amount are received(1525). The small loan limit amount connected to the received client phone number is confirmed(1530). A loan approval for the received small loan request amount is confirmed through the small loan limit amount(1545). If the loan approval is possible, a disposable password for the payment of the small loan request amount is generated and transmitted to the client phone(1560).

Description

Method and system for providing small loan service using one-time password and recording medium therefor {Method and System for Providing Service of Small Sum Loan by Using Disposable Secret Access Number and Recording Medium}

1 is a view showing a face-to-face connection information registration system for providing a one-time password through a mobile phone number and providing a small loan service using a one-time password according to an embodiment of the present invention.

Figure 2 provides a one-time password through a mobile phone number according to an embodiment of the present invention, the mobile phone and account stored in the ledger D / B equipped with a DBMS on the financial system in a face-to-face manner to provide a small loan service using a one-time password A diagram illustrating a configuration of connection application information.

Figure 3 provides a one-time password through a mobile phone number according to another embodiment of the present invention, the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner to provide a small loan service using the one-time password FIG. 1 is a diagram illustrating a configuration of a mobile phone and account connection application information stored in an application.

Figure 4 provides a one-time password through a mobile phone number according to another embodiment of the present invention, the application to connect the mobile phone and account stored in the DBMS provided in the banking server in a face-to-face manner to provide a small loan service using the one-time password It is a figure which shows an information structure.

5A and 5B are diagrams illustrating a process of registering application information for connection with a mobile phone in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of registering mobile phone and account connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of registering mobile phone and account connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face connection information registration system for providing a one-time password through a mobile phone number and providing a small loan service using a one-time password according to another embodiment of the present invention.

Figure 9 provides a one-time password through a mobile phone number according to one embodiment of the present invention, and a mobile phone stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to provide a small loan service using a one-time password It is a figure which shows the structure of the account connection application information.

10 is connected with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner to provide a one-time password through a mobile phone number, and provide a small loan service using a one-time password in accordance with another embodiment of the present invention FIG. Is a diagram illustrating the configuration of mobile phone and account connection application information stored in a database.

Figure 11 provides a one-time password through a mobile phone number according to another embodiment of the present invention, the application to connect the mobile phone and the account stored in the DBMS provided in the banking server in a non-face-to-face for providing a small loan service using the one-time password It is a figure which shows an information structure.

12A and 12B illustrate a process of providing a one-time password through a mobile phone number and registering a mobile phone and account connection application information in a non-face-to-face manner to provide a small loan service using a one-time password according to one embodiment of the present invention. One drawing.

13A, 13B, and 13C are provided to provide a one-time password through a mobile phone number according to an embodiment of the present invention, and the application information linking the mobile phone and account through a non-face-to-face financial transaction channel to provide a small loan service using the one-time password A diagram illustrating a process of registering a.

14 illustrates a non-face-to-face financial transaction system for providing a bankbook / cardless withdrawal service using a mobile phone number according to an embodiment of the present invention.

15 is a flowchart illustrating a process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in a non-face-to-face manner in order to provide a bankbook / cardless withdrawal service using a mobile phone number according to an embodiment of the present invention. Drawing.

16 is a flowchart illustrating a process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in a non-face-to-face manner in order to provide a bankbook / cardless withdrawal service using a mobile phone number according to an embodiment of the present invention. Drawing.

17 is a flowchart illustrating a process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in a non-face-to-face manner in order to provide a bankbook / cardless withdrawal service using a mobile phone number according to another embodiment of the present invention. One drawing.

<Description of main parts of drawing>

1400: financial transaction server 1405: interface unit

1410: interface providing unit 1415: information receiving unit

1420: information verification unit 1425: validation unit

1430: information generating unit 1435: information transmitting unit

1440: financial transaction processing unit 1445: information storage unit

1450: storage medium 1455: automated equipment

1460: financial transaction terminal

The present invention comprises the steps of storing the customer's mobile phone number and the small loan limit amount in the storage medium, and requesting a small loan service using a one-time password through the customer's mobile phone, receiving the customer's mobile number and the small loan request amount And checking the loan amount limit associated with the received customer phone number, and checking whether the loan approval is possible for the received amount loan request amount through the amount loan amount for the customer number. As a result of the checking, when the loan approval for the small loan request amount requested by the customer is possible, a one-time password for withdrawing the small loan request amount-a password for using a medium withdrawal service through an automatic device-is generated to the customer mobile phone. Small amount using a one-time password comprising the step of transmitting Exodus relates to service delivery.

Due to the development of the financial industry, many modern people are using various financial transaction services, and through this, they are using convenient financial services.

In such a situation, most financial institutions that provide financial transaction services provide mobile financial services using mobile phones.

However, the mobile service using a mobile phone is focused on providing transfer service and inquiry service, rather than providing a method of finding cash when actual cash is needed, so it is not suitable for people who really need cash in a hurry. There is an uncomfortable difficulty.

An object of the present invention for solving the above problems, means for connecting the customer's mobile phone number and the small loan limit amount and storing in the storage medium, and requesting a small loan service using a one-time password through the customer's mobile phone, the customer's mobile phone Means for receiving a number, a small loan request amount, checking a small loan limit amount associated with the received customer mobile number, and a loan for the received small loan request amount via the small loan limit amount for the customer mobile number Means for checking whether or not the approval is possible, and if the loan is approved for the small loan request amount requested by the customer, the use of the medialess withdrawal service through the one-time password-automated device for withdrawing the small loan request amount is possible. Means for generating a password and transmitting it to the customer mobile phone; When a customer requests withdrawal using the received one-time password through an automated device, means for receiving the one-time password and confirming the authentication of the received one-time password, and the received one-time password is the customer. In the case of matching with the password provided to the, the small loan request amount is to provide a small loan service providing system using a one-time password including a means for processing the withdrawal through the automated device.

The method for providing a small loan service using a one-time password according to the present invention comprises the steps of storing a storage medium by connecting a customer's mobile number and a small loan limit amount, and requesting a small loan service using a one-time password through the customer's mobile phone. Receiving a customer's mobile phone number, a small loan request amount, checking a small loan limit amount associated with the received customer's mobile phone number, and receiving the received small loan request through the small loan limit amount for the customer's mobile phone number Checking whether the loan is approved for the amount, and if the loan is approved for the small loan request amount requested by the customer, the withdrawal of the medium through the one-time password-automated device for withdrawing the small loan request amount Create a password to use the service Characterized in that comprises the step of transmitting to.

In addition, when the customer requests a withdrawal using the received one-time password through the automated device, receiving the one-time password, and confirming the authentication of the received one-time password, and the result of the check the received one-time password When the coincidence with the password provided to the customer, characterized in that it comprises the step of processing the withdrawal of the micro loan request amount through the automated device.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the method for providing a small loan service using the one-time password.

Small loan service providing system using a one-time password according to the present invention, by means of connecting the customer's mobile phone number and the small loan limit amount to the storage medium, and request a small loan service using a one-time password through the customer's mobile phone, Means for receiving a customer's mobile phone number, a small loan request amount, and verifying a small loan limit amount associated with the received customer's mobile number, and the received small loan request amount via the small loan limit amount for the customer's mobile phone number Means for checking whether the loan is approved for the loan, and if the loan is approved for the small loan request amount requested by the customer, the medialess withdrawal service through the one-time password-automated device for withdrawing the small loan request amount Create a password for use with the customer Means for transmitting to the customer and requesting a withdrawal by using the received one-time password through the automated device, the means for receiving the one-time password and confirming the authentication of the received one-time password; If the received one-time password matches the password provided to the customer, characterized in that it comprises a means for processing the small loan request amount is withdrawn through the automated device.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and 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 embodiments 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's just

1 is a view showing a face-to-face connection information registration system for providing a one-time password through a mobile phone number and providing a small loan service using a one-time password according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer provides a one-time password through a mobile phone number, and includes at least one or more customer information, mobile phone number information, withdrawal account information, transaction authentication information to provide a small loan service using a one-time password When a mobile phone and an account connection application are prepared and submitted, the predetermined window terminal 175 acquires predetermined image contents corresponding to the mobile phone and account connection application through a predetermined image acquisition device, and provides a predetermined information registration interface. When the mobile phone and the account connection application information corresponding to the mobile phone and the account connection application and the image content obtained from the mobile phone and the account connection application are provided to the connection information registration system, a predetermined mobile phone and account connection including the image content are provided. Generate electronic documents to apply As a system configuration for storing in a storage medium, and stored in a predetermined storage medium 145 by processing the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the application information linked to the mobile phone and the account, In more detail, the electronic document storage is provided on an external system connected to the connection information registration system through a predetermined communication means.

If one of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 1 to provide a one-time password through a mobile phone number, configuration of connection information registration system for providing a small loan service using a one-time password Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer an implementation method provided in the DBMS where the electronic document repository is located in the connection information registration system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 1, a mobile phone and an account connection request electronic document corresponding to the mobile phone and an account connection application are described as being generated on the server side on the connection information registration system. It is by no means limited to this, and the mobile phone and the account connection request electronic document may be generated on the terminal side that has acquired the image content corresponding to the mobile phone and the account connection application through a predetermined image acquisition device (eg, the server side). The electronic document generation function provided in the terminal side is provided to generate an electronic document connection request electronic document with the mobile phone, thereby the present invention is not limited.

Hereinafter, on the connection information registration system shown in FIG. 1, a mobile phone and account connection application information and image contents corresponding to the mobile phone and account connection application created by the customer are provided through a predetermined information registration interface, and the predetermined mobile phone and account connection are provided. A component corresponding to at least one or more means and / or functional configurations for generating an application electronic document and storing the application electronic document in a predetermined electronic document storage and storing the mobile phone and account connection application information in a predetermined storage medium 145 for convenience " Information registration server 100 ".

Referring to FIG. 1 according to an embodiment of the present invention, a connection information registration system for providing a one-time password through the mobile phone number and providing a small loan service using the one-time password may include at least one financial institution branch (or a branch). It is characterized in that it comprises an information registration terminal 180 including a window terminal 175 provided in the), the information registration terminal 180 is provided on the connection information registration system through a predetermined financial network The communication channel is connected to the information registration server 100.

According to an embodiment of the present invention, the customer provides a one-time password through the mobile number, visits the financial institution branch (branch branch) to provide a small loan service using the one-time password, the financial institution branch (branch branch) Through a window (or through a teller) provided in the) a one-time password through the mobile phone number, a predetermined mobile phone and account connection application for providing a small loan service using the one-time password (for example, through the mobile phone number Provide a one-time password, and a form with a form for filling in at least one item of information for providing a microloan service using the one-time password). To seal the customer's seal for evidence, Preferable.

Then, when the customer submits the completed mobile phone and account link application to the teller, the teller scans the mobile phone and the account link application through a predetermined image acquisition device to obtain a predetermined image content, and a predetermined window A mobile phone including at least one image content obtained in response to the mobile phone and the account connection application through the terminal 175 and the customer information, mobile phone number information, withdrawal account information, transaction authentication information written in the mobile phone and the account connection application And (or select) account connection request information, and correspondingly, the counter terminal 175 registers the image contents and the mobile phone and account connection request information on the connection information registration system through the financial network. It is preferable to transmit to the server 100.

Here, the window terminal 175 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 175 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 175 and the information registration server 100 is connected to the window terminal 175 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the connection information registration system as described above, an image acquisition device for acquiring image contents corresponding to a mobile phone and an account connection application prepared by the customer, a window terminal 175 and the window terminal 175 used by the employee; The financial network connecting the information registration server 100 is an information registration interface for the customer to provide a one-time password through the mobile phone number, and register the application information linked to the mobile phone and account for providing a small loan service using the one-time password Perform the function of

The storage medium 145 provided on the connection information registration system according to the present invention includes the customer information, cell phone number information, and withdrawal account information included in the mobile phone and account connection application information provided from the information registration terminal 180. In addition, the transaction authentication information is characterized in that it is stored in a predetermined storage medium 145.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who created the account connection application with the mobile phone, and member information of the customer (for example, the customer). By registering as a financial transaction customer of the financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the linked information registration system corresponding to the customer. It is preferable that it comprises at least one or more).

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , At least one predetermined account number and account holder information corresponding to the real account, the virtual account, or the online account) and the financial institution in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides a one-time password through the mobile phone number, account password, financial transaction password, corresponding to the financial account opened in the financial institution for use of the withdrawal service using the one-time password, It is possible to further include financial company financial transaction authentication information including at least one or more security card information, by which the present invention is not limited.

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the connection information registration system (or associated with the connection information registration system). The storage medium 145 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the connection information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the connection information registration system according to the present invention is a generic term for the connection information registration system-side components that are connected to the information registration terminal 180 through a predetermined financial network. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the information registration server 100 is the window terminal 175 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the information registration server 100 is provided with an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 180 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the information registration terminal 180 is the window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 175, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 175 It is preferable.

Referring to FIG. 1, when the predetermined information registration terminal 180 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the mobile phone is connected to the information registration server 180. Providing a one-time password through the number, and the image content corresponding to the mobile phone and the account connection application created by the customer through a predetermined image acquisition device provided in the information registration terminal 180 to provide a small loan service using the one-time password Generate (or extract) at least one user interface for inputting (or selecting) mobile phone and account connection application information corresponding to the mobile phone and account connection application and transmitting the information to the information registration server 100; Providing the generated (or extracted) user interface to the information registration terminal 180 in association with the interface unit 105. Input (or select) the mobile phone and the account connection application information corresponding to the mobile phone and the account connection application through the interface providing unit 110 (or interface providing means) and the information registration terminal 180 to transmit In this case, the information receiving unit 115 for receiving the account connection request information transmitted from the information registration terminal 180 in association with the interface unit 105, and the user interface in the information registration terminal 180 Based on a predetermined image acquisition device based on the image content corresponding to the mobile phone and the account connection application prepared by the customer, and transmits the image content corresponding to the mobile phone and the account connection application in conjunction with the interface unit 105 Characterized in that it comprises a receiving image receiving unit 120.

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. Providing a one-time password through a mobile phone number and requesting a user interface for providing a small loan service using a one-time password, the mobile phone and account created by the customer through a predetermined image acquisition device provided in the information registration terminal 180 Acquire image content corresponding to the connection application, input (or select) mobile phone and account connection application information corresponding to the mobile phone and the account connection application, and transmit the information to the information registration server 100 through the financial network; Create one or more user interfaces, and / or extract from a predetermined database (not shown) In conjunction with the device 105 and the generated user interface (or extraction) it is characterized in that provided in the information registering terminal 180 through the financial network.

According to another embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to the mobile phone and the account connection application prepared by the customer through a predetermined image acquisition device, and corresponds to the mobile phone and the account connection application. When a predetermined information registration program is provided with at least one user interface for inputting (or selecting) a mobile phone and account connection application information and transmitting the information to the information registration server 100 through the financial network. As described above, image information corresponding to the mobile phone and the account connection application prepared by the customer is obtained through a predetermined image acquisition device, and the mobile phone and the account connection application information corresponding to the mobile phone and the account connection application are input (or selected). Create (or extract) a user interface to send to the registration server 100 The information registering interface providing even though providing to the terminal 180, 110 is omitted and mubang, to which the present invention is not limited.

Thereafter, the information registration terminal 180 inputs (or selects) the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the user interface. The input (or selected) mobile phone and the account connection request information is transmitted to the information registration server 100 through the financial network. In response, the information receiving unit 115 is connected to the interface unit 105 to transmit the information. Characterized in that for receiving the account connection request information and the mobile phone transmitted from the information registration terminal 180.

In addition, the information registration terminal 180 obtains the image content corresponding to the mobile phone and the account connection application prepared by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network The image receiving unit 120 is connected to the interface unit 105 to receive the image contents corresponding to the mobile phone and the account connection application in response thereto. .

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to the mobile phone and the account connection application created by the customer through a predetermined image acquisition device, and transmits the image contents to the information registration terminal 180. In the case of pre-stored in a predetermined storage device provided (or associated), the information registration terminal 180 connects an account with a mobile phone created by the customer among at least one or more image contents stored in the storage device through the user interface. An image content corresponding to the application is selected and transmitted to the information registration server 100 through the financial network. In response thereto, the image receiving unit 120 is linked with the interface unit 105 to connect the account with the mobile phone. It is desirable to receive image content corresponding to.

According to another embodiment of the present invention, the mobile terminal and the account corresponding to the mobile phone and the account connection application and the image content corresponding to the mobile phone and the account connection application created by the customer through the user interface in the information registration terminal 180 When the connection request information is transmitted together, the information receiver 115 may receive the image content corresponding to the mobile phone and the account connection application and the mobile phone and the account connection application information together with the interface unit 105 ( For example, the image receiving unit 120 is integrated into the information receiving unit 115 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 1, when the information registration server 100 receives the account connection request information transmitted from the information registration terminal 180 through the information receiving unit 115, the information registration server 100 connects the account with the received mobile phone. The application information is provided with a one-time password through the mobile phone number, characterized in that it comprises a validity check unit 125 to check whether the validity for providing a small loan service using the one-time password.

According to an embodiment of the present invention, the validity check of the mobile phone and the account connection application information is at least one ledger matched with the mobile phone and account connection application information in the ledger D / B on the financial system associated with the connection information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 125 may include, among the information included in the application information for linking the mobile phone and the account, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the connection information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validation of the mobile phone and the account connection request information is the account ledger stored in the ledger D / B of the information on the financial system connected to the connection information registration system of the withdrawal account information of the information contained in the mobile phone and the account connection application information It is desirable to include checking that the match with.

In addition, the validation of the mobile phone and the account connection request information is preferably made of the information contained in the mobile phone and the account connection request information, including whether the mobile phone number information is subscribed to the carrier.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 180 through the image receiving unit 120, and the mobile phone through the validity checking unit 125. And if the validity of the account connection request information is authenticated, the electronic document generation unit 130 for generating a predetermined mobile phone and the account connection request electronic document containing the received image content, and the generated mobile phone and account connection request electronics And an electronic document transmission unit 135 for transmitting the document to the electronic document repository associated with the connection information registration system.

The electronic document generator 130 generates an electronic document connection request electronic document with the mobile phone including the image content received from the information registration terminal 180 through the image receiver 120.

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 stores the mobile phone number as it is, the image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is desirable to provide a one-time password through, and to process a mobile phone and account link application electronic document for providing a small loan service using a one-time password.

Alternatively, the electronic document generation unit 130 is connected to the mobile phone and the account connection request information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Providing a one-time password through an image file corresponding to an image content including at least one or more of customer information, mobile number information, withdrawal account information, and transaction authentication information included in a watermarking method; It is desirable to generate a mobile phone and an account connection request electronic document for providing a small loan service using a one-time password.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 180 through the image receiving unit 120) 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 provide a one-time password through, and to create a mobile phone and account connection application electronic document for providing a small loan service using the one-time password.

Alternatively, the electronic document generation unit 130 is connected to the mobile phone and the account connection request information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Generates an image content including at least one or more of the included customer information, mobile number information, withdrawal account information, transaction authentication information by a watermarking method, and a predetermined document file including the generated image content ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) Provide a one-time password through the number, and before applying for a mobile phone and account connection to provide a small loan service using the one-time password. It is advisable to create an advisor.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 180 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) containing at least one document file containing the received mobile phone and account connection request information; Or by generating a web document file including MHT), it is preferable to provide a one-time password through the mobile phone number, and generate a mobile phone and account connection request electronic document for providing a small loan service using the one-time password.

Alternatively, the electronic document generation unit 130 is connected to the mobile phone and the account connection request information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Create image content including at least one or more of the included customer information, mobile phone number information, withdrawal account information, transaction authentication information by a watermarking method, and the generated image content and the application information linking the account with the mobile phone A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) by providing a one-time password through the mobile phone number, using a small loan service system using the one-time password It is desirable to create a connected mobile phone application electronic document and account for.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 and the technical features for generating an electronic file connection account and electronic documents in the image file format and / or a predetermined document file format and Since the technical features of the file format for the image file and / or the document file corresponding to the mobile phone and the account connection request electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the mobile phone and the account connection request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the connection information registration system. It is done.

As shown in FIG. 1, the electronic document repository is connected to the information registration server 100 on the connection information registration system through a predetermined communication means and the electronic document server 150 and the electronic document D / B 170 When the electronic document transmission unit 135 is provided to the outside, the electronic document server (130) via the communication means for the mobile phone and the account connection request electronic document generated by the electronic document generation unit 130; 150) characterized in that the transmission.

Here, when the electronic document server 150 and the electronic document D / B 170 is provided outside the connection information registration system, the electronic document server 150 and the electronic document D / B 170 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the connection information registration system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the mobile phone and the account connection request electronic document in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided in the connection information registration system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, a mobile phone corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 150. Customer information, and / or financial institution information for transmitting the account link request electronic document, and / or electronic document file format information, and / or the account link request information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 1, the information registration server 100 provides a one-time password for the mobile phone and the account connection request information received through the information receiving unit 115 through the mobile phone number through the validity checking unit 125. When the validity for providing a small loan service using a one-time password is authenticated, the predetermined information is obtained by linking and processing the customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the validity-certified mobile phone and account connection application information. Characterized in that it comprises an information storage unit 140 to be stored in the storage medium 145 of the.

When the validity of the mobile phone and the account connection request information is confirmed by the validity confirmation unit 125, the information storage unit 140 is the customer information, mobile phone number information, withdrawal account included in the mobile phone and account connection application information And storing the information in the storage medium 145 by cooperatively processing information and transaction authentication information. The storage medium 145 is provided in the information registration server 100 or is linked with the information registration server 100. When provided on the network, the information storage unit 140 processes the storage information by linking and processing the customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and the account connection application information. 145, preferably stored in the storage medium 145 is provided in the DBMS provided on the financial system, the information storage unit 140 is applied to the account connection request The customer information, the phone number information, and payment account information, transaction information contained in the authentication through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 1, a mobile phone and an account connection request electronic document are received from the information registration server 100 provided on the connection information registration system, and stored and managed in a predetermined electronic document D / B 170. The electronic document server 150 includes an electronic document receiving unit 155 for receiving a predetermined mobile phone and account connection request electronic document from the information registration server 100 through a predetermined communication means, and the received mobile phone and account connection request. An information generation unit 160 for generating predetermined electronic document management information for storing and managing electronic documents in the electronic document D / B 170, and the electronic document management information and the mobile phone and account connection request electronic document. And an electronic document storage unit 165 for storing the electronic document D / B 170 in a linked process.

The electronic document receiving unit 155 may receive an electronic document connection request electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 155 receives the mobile phone and the account connection request electronic document received through the communication means, which the information registration server 100 receives from the information registration terminal 180. It is preferable that the image file including the image content is included as it is.

Alternatively, the electronic document receiving unit 155 receives the mobile phone and the account connection request electronic document received through the communication means, the mobile phone and the mobile phone to the image content received by the information registration server 100 from the information registration terminal 180. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the account connection application information by the watermarking method. .

According to another embodiment of the present invention, the electronic document receiving unit 155 receives the mobile phone and the account connection request electronic document received through the communication means, the information registration server 100 is received from the information registration terminal 180 A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the electronic document receiving unit 155 receives the mobile phone and the account connection request electronic document received through the communication means, the mobile phone and the account to the image content received by the information registration server 100 from the information registration terminal 180 A predetermined document file (eg, PDF (Portable) containing image content including at least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the connection application information in a watermarking manner. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

According to another embodiment of the present invention, the mobile terminal and the account connection request electronic document received by the electronic document receiving unit 155 through the communication means, the information registration server 100 is the information registration terminal 180 At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from the mobile terminal and application information for account connection with the mobile phone. A word processor file, or a web document file including MHT).

Alternatively, the electronic document receiving unit 155 receives the mobile phone and the account connection request electronic document received through the communication means, the mobile phone and the account to the image content received by the information registration server 100 from the information registration terminal 180 Image content including at least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the connection application information by watermarking, and predetermined information including the application information for linking the account with the mobile phone. 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.

The information generating unit 160 uses a predetermined electronic document unique number (or unique information) to be assigned to a mobile phone and an account connection request electronic document received through the electronic document receiving unit 155, and the electronic document receiving unit 155. 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 mobile phone and account connection request electronic document was stored) when the mobile phone and account connection request electronic document were received. It features.

According to the exemplary embodiment of the present invention, the information generating unit 160 refers to the mobile phone received through the electronic document receiving unit 155 and the information registration server 100 that transmits the electronic connection request electronic document, the mobile phone It is preferable to check the financial institution that has sent the electronic document connection request and the electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document-related information (e.g., customer information for creating an account connection application with a mobile phone corresponding to the image content, and / or financial institution information for transmitting the mobile phone and account connection request electronic document, and / or electronic document file format information, And / or the mobile phone and the account connection request information, etc.) is preferably generated.

The electronic document storage unit 165 associates a mobile phone, an account connection request electronic document received through the electronic document receiving unit 155, and electronic document management information generated through the information generating unit 160 with a predetermined electronic content. Characterized in the document D / B (170).

According to the exemplary embodiment of the present invention, the cellular phone and the account connection request electronic document stored by the electronic document storage unit 165 in the electronic document D / B 170, the information registration server 100 is the information registration terminal It is preferable that the image file including the image content received from the 180 is included as it is.

Alternatively, the cellular phone and the account connection request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be received by the information registration server 100 from the information registration terminal 180. The image content includes an image file corresponding to the image content including at least one of customer information, mobile number information, withdrawal account information, and transaction authentication information included in the application information linked to the mobile phone and the account in a watermarking manner. It is preferable to comprise.

According to another embodiment of the present invention, a mobile phone and an account connection request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 are registered by the information registration server 100. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content received from the terminal 180. File, or a web document file including MHT).

Alternatively, an electronic document storage request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image received by the information registration server 100 from the information registration terminal 180. A predetermined document file including image contents including at least one or more information of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the application information linked to the mobile phone and account in a watermarking method. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to another embodiment of the present invention, the mobile phone and the account connection request electronic document that the electronic document storage unit 165 stores in the electronic document D / B 170, the information registration server 100 is the information A predetermined document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the registration terminal 180 and the account connection request information with the mobile phone. And a word processor file including at least one or a web document file including MHT).

Alternatively, an electronic document storage request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image received by the information registration server 100 from the information registration terminal 180. Image content including at least one or more information of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the application information linked to the mobile phone and the account in the watermarking method and the account connection request with the mobile phone 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).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 170 by the electronic document storage unit 165 in association with the mobile phone and the account connection request electronic document, the mobile phone and It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the account connection request electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 170 by linking and processing the electronic document storage unit 165 with the account connection request electronic document is the mobile phone. And the financial institution which has transmitted the mobile phone and the account connection request electronic document identified with reference to the information registration server 100 which has transmitted the account connection request electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 165 processes the mobile phone and the account connection request electronic document in association. The electronic document management information stored in the electronic document D / B 170 may include the received electronic document related information (for example, customer information for creating an account connection application with a mobile phone corresponding to the image content, and / or the mobile phone). And financial institution information for transmitting the account connection request electronic document, and / or electronic document file format information, and / or the mobile phone and account connection request information, etc.).

Figure 2 provides a one-time password through a mobile phone number according to one embodiment of the present invention, stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner to provide a small loan service using the one-time password Figure is a diagram showing the configuration of the mobile phone and account connection application information.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 145 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. As the information structure for an embodiment of the method of storing the customer information, the mobile phone number information, withdrawal account information, transaction connection information and the account connection request information is shown, the general knowledge in the technical field to which the present invention belongs If the person having a, it will be able to infer various information configuration methods for storing the application information linked to the mobile phone and the account in the ledger D / B (200) by referring to and / or modifying the figure 2, the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

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 relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number corresponding to the ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 2, the mobile phone and the account connection request information provided through the connection information registration system shown in FIG. 1 are stored in the form of additional information added to the account ledger. The customer information, mobile phone number information, withdrawal account information, characterized in that it comprises at least one or more transaction authentication information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who created the account connection application with the mobile phone, and member information of the customer (for example, the customer). By registering as a financial transaction customer of the financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the linked information registration system in response to the customer. It is preferable that it comprises at least one or more).

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , At least one predetermined account number and account holder information corresponding to the real account, the virtual account, or the online account) and the financial institution in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides the one-time password through the mobile phone number, account password corresponding to the financial account opened in the financial institution, to use the withdrawal service using the one-time password, financial transactions The financial company financial transaction authentication information including at least one or more password, security card information, etc. may be further included, whereby the present invention is not limited.

According to another embodiment of the present invention, the mobile phone and the account connection application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information added to and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limited to the present invention.

Figure 3 provides a one-time password through a mobile phone number according to another embodiment of the present invention, and ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner to provide a small loan service using the one-time password FIG. Is a diagram illustrating the configuration of mobile phone and account connection application information stored in an associated database.

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 145 shown in FIG. As shown in the drawings, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 to transfer the application information linked to the mobile phone and account to a predetermined database in the ledger D / B (200). It will be able to infer a variety of information configuration method to be stored in association with), but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 is a case in which it is not easy to store the mobile phone and account connection application information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the DBMS). It is not easy to change the ledger D / B (200) of the ledger, or the system expansion is not easy due to the nature of the financial system), the application to connect the account to the mobile phone to a predetermined database instead of the ledger D / B (200) It shows an implementation method of storing the information, the database and the ledger D / B (200) in a coordinated process.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 3, the database is characterized in that the customer information, mobile phone number information, withdrawal account information, transaction authentication information contained in the mobile phone and the account connection request information is stored in association with the mobile phone and the account connection request The information is preferably made to further include a CIF number corresponding to the ledger information in the mobile phone and account connection application information to be processed in conjunction with the ledger D / B (200).

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who created the account connection application with the mobile phone, and member information of the customer (for example, the customer). By registering as a financial transaction customer of the financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the linked information registration system in response to the customer. It is preferable that it comprises at least one or more).

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , At least one predetermined account number and account holder information corresponding to the real account, the virtual account, or the online account) and the financial institution in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides a one-time password through the mobile phone number, account password, financial transaction password, corresponding to the financial account opened in the financial institution for use of the withdrawal service using the one-time password, It is possible to further include financial company financial transaction authentication information including at least one or more security card information, by which the present invention is not limited.

Figure 4 provides a one-time password through a mobile phone number according to another embodiment of the present invention, the application information linked to the mobile phone and the account stored in the DBMS provided in the banking server in a face-to-face manner to provide a small loan service using the one-time password It is a figure which shows a structure.

In more detail, FIG. 4 shows a predetermined banking system in which the storage medium 145 shown in FIG. 1 is provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It will be able to infer the information configuration method for the mobile phone and the account connection request information stored in a predetermined DBMS, the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to Figure 4, the predetermined DBMS provided in the banking server is characterized by storing the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and the account connection application information stored in association do.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who created the account connection application with the mobile phone, and member information of the customer (for example, the customer). By registering as a financial transaction customer of the financial institution, member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the linked information registration system in response to the customer. It is preferable to include at least one).

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , At least one predetermined account number and account holder information corresponding to the real account, the virtual account, or the online account) and the financial institution in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides the one-time password through the mobile phone number, account password, financial transaction password, corresponding to the financial account opened in the financial institution for use of the withdrawal service using the one-time password, It is possible to further include financial company financial transaction authentication information including at least one or more security card information, by which the present invention is not limited.

5A and 5B illustrate a process of registering mobile phone and account connection application information in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 5A and 5B are window terminals 175 in which an information registration terminal 180 on the connection information registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the information registration server ( When the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer provides a one-time password through a mobile phone number, and a one-time password. In order to provide a small loan service using the customer information, mobile phone number information, withdrawal account information, transaction filling out a mobile phone and the application form including at least one or more information, and submit, a predetermined image in a predetermined window terminal 175 Acquire a predetermined image content corresponding to the application linked to the mobile phone and the account through the obtaining device, and the connection information through a predetermined information registration interface When a mobile phone and account connection application information corresponding to the mobile phone and account connection application are provided to the registration system and the image content obtained from the mobile phone and account connection application is provided, a predetermined mobile phone and account connection application electronic document including the image content is provided. Produce and store in a predetermined electronic document storage, and the customer information, mobile phone number information, withdrawal account information, transaction authentication information contained in the application information linked to the mobile phone and the transaction authentication information to the predetermined storage medium 145 A method for storing the information, specifically, the window terminal 175 acquires predetermined image contents corresponding to the mobile phone and account connection application through a predetermined image obtaining apparatus and transmits the predetermined image content to the information registration server 100. After that, the mobile phone and the account connection application information corresponding to the application for linking the account It shows an implementation method of inputting (or selecting) and transmitting to the information registration server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b, and the application information linking the mobile phone and the account from the window terminal 175 to the information registration server 100. 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 5a and 5b.

For example, in the embodiment shown in FIGS. 5A and 5B, the window terminal 175 acquires predetermined image contents corresponding to the mobile phone and an account connection application through a predetermined image acquisition device, and / or the mobile phone. Although a user interface for inputting (or selecting) a mobile phone and account connection application information corresponding to the account connection application is illustrated and provided from the information registration server 100, the predetermined information registration is performed on the counter terminal 175. When the program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, mobile phone number information, withdrawal account information, and transaction authentication information transmitted from the window terminal 175 to the information registration server 100 are referred to as "mobile phone and account connection application information" for convenience.

Referring to Figures 5a and 5b, a predetermined customer provides a one-time password through a mobile phone number, at least one of customer information, mobile phone number information, withdrawal account information, transaction authentication information to provide a small loan service using a one-time password After filling out and submitting an application for linking the account with the cellular phone included in the above, the window terminal 175 shown in FIG. When providing a one-time password through a mobile phone number corresponding to the connection application, and requests a user interface for providing a small loan service using a one-time password (500), the server correspondingly through the predetermined image acquisition apparatus in the terminal A predetermined image corresponding to the mobile phone and the account link application prepared by the customer To obtain a content generating a user interface for transmitting to the server (or the extract) and 505, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (510).

Thereafter, the terminal acquires image content corresponding to the mobile phone and account connection application through a predetermined image acquisition device based on the user interface (515).

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

Thereafter, the server inputs (or selects) mobile phone and account connection request information including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information corresponding to the mobile phone and account connection application matching the image content. In step 535, a user interface for transmitting to the server is generated (or extracted), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) account connection request information with the mobile phone including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the user interface (540).

If the mobile phone and the account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information are input (or selected) through the user interface (545), the terminal is connected to the financial network. Through the input (or selected) the mobile phone and the account connection request information is transmitted to the server (550).

Thereafter, the server receives and reads the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the financial network to the mobile phone and account connection request information. Check the validity (555).

According to an embodiment of the present invention, the validity check of the mobile phone and the account connection application information is at least matched with the mobile phone and account connection application information to the ledger D / B (200) on the financial system associated with the connection information registration system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the application information for linking the mobile phone and the account, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the connection information registration system. It is preferably made to include matching with the customer ledger stored in / B (200).

In addition, the validity check of the mobile phone and the account connection request information is the information contained in the mobile phone and the account connection application information, the withdrawal account information to the ledger D / B (200) on the financial system connected to the connection information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validation of the mobile phone and the account connection request information is preferably made of the information contained in the mobile phone and the account connection request information, including whether the mobile phone number information is subscribed to the carrier.

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

On the other hand, if the validity of the mobile phone and the account connection request information is authenticated (560), the server generates a predetermined mobile phone and account connection request electronic document containing the image content (570).

According to one embodiment of the invention, the server provides a one-time password through the mobile phone number as it is the image file containing the image content received from the information registration terminal 180 through the image receiving unit 120 And, it is preferable to process a mobile phone and an account connection request electronic document for providing a small loan service using a one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Provide a one-time password through an image file corresponding to an image content including at least one or more information among the number information, withdrawal account information, and transaction authentication information through the watermarking method, and use the one-time password for a small loan. It is desirable to create a mobile phone and an account connection request electronic document for service provision.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT), to provide a one-time password through the mobile phone number. In addition, it is preferable to generate a mobile phone and an account connection request electronic document for providing a small loan service using a one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one or more of number information, withdrawal account information, and transaction authentication information in a watermarking manner, and include a predetermined document file (eg, a PDF (Portable Document) including the generated image content. 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). Providing an electronic document for linking a mobile phone and an account for providing a small loan service using a one-time password It is preferable.

According to another exemplary embodiment of the present invention, the server connects the account with the image content received from the information registration terminal 180 and the mobile phone received through the information receiving unit 115 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to provide a one-time password through the mobile phone number and to generate a mobile phone and account connection request electronic document for providing a small loan service using the one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. A predetermined document including image information including at least one or more information among number information, withdrawal account information, and transaction authentication information by a watermarking method, and including the generated image content and application information for connection with the mobile phone; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Providing a one-time password through the mobile phone number, the mobile for providing a small loan service using the one-time password And accounts connected application it is desirable to create an electronic document.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a mobile phone and account link application electronic document in the image file format and / or a predetermined document file format, and the mobile phone and account link 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.

Thereafter, the server stores the generated mobile phone and account connection request electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the connection information registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated mobile phone and the account connection request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the connection information registration system, the server stores the generated electronic document storage request electronic document on the DBMS provided in the connection information registration system. It is possible to store in the electronic document D / B (170) corresponding to this, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the mobile phone and the account connection request electronic document in the electronic document storage is performed by linking the generated mobile phone and the account connection request electronic document and predetermined electronic document management information to the drawing 1. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the mobile phone and the account connection request electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution that transmits the electronic document with the mobile phone account connection request.

The electronic document management information may include predetermined electronic document related information (for example, customer information in which an application for linking an account with a mobile phone corresponding to the image content is prepared and / or financial institution information for transmitting an electronic document for linking an account with the mobile phone). , And / or electronic document file format information, and / or the mobile phone and account connection application information).

If the electronic document and the account connection request electronic document is stored (580), the server stores the customer information, mobile phone number information, withdrawal account information, transaction authentication information contained in the mobile phone and account connection application information. Cooperative processing to store in a predetermined storage medium (145) (585), predetermined information registration history information (for example, the history of storing the mobile phone and the account connection request electronic document in the electronic document storage, and / or the storage medium In 145, the mobile terminal and the account connection application information are stored (or extracted) and transmitted to the terminal (590).

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the connection information registration system (or associated with the connection information registration system). The storage medium 145 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, whereby the present invention is limited. Not.

According to another exemplary embodiment of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the connection information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering mobile phone and account connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show a window terminal 175 in which an information registration terminal 180 on the connection information registration system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the information registration server ( When the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer provides a one-time password through a mobile phone number, and a one-time password. In order to provide a microloan service using a mobile phone and an account connection application including at least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information, a predetermined window terminal 175 may provide a predetermined application. Acquire a predetermined image content corresponding to the application for linking the account with the mobile phone through the image acquisition device, and the connection information through a predetermined information registration interface. When a mobile phone and account connection application information corresponding to the mobile phone and account connection application are provided to the registration system and the image content obtained from the mobile phone and account connection application is provided, a predetermined mobile phone and account connection application electronic document including the image content is provided. Produce and store in a predetermined electronic document storage, and the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and the account connection application information and stored in a predetermined storage medium 145 As an implementation method, in detail, after inputting (or selecting) the mobile phone and the account connection application information corresponding to the mobile phone and the account connection application in the window terminal 175 and transmitting the information to the information registration server 100, A predetermined image corresponding to the application for linking the mobile phone and the account through a predetermined image acquisition device To obtain a content shows a method embodiment for transmitting to the information registering server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b, and the application information linking the mobile phone and the account from the window terminal 175 to the information registration server 100. 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 6a and 6b.

For example, in the implementation method shown in FIGS. 6A and 6B, the window terminal 175 acquires predetermined image contents corresponding to the mobile phone and an account connection application through a predetermined image acquisition device, and / or the mobile phone. Although a user interface for inputting (or selecting) a mobile phone and account connection application information corresponding to the account connection application is illustrated and provided from the information registration server 100, the predetermined information registration is performed on the counter terminal 175. When the program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal 175 shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information, mobile phone number information, withdrawal account information, and transaction authentication information transmitted from the window terminal 175 to the information registration server 100 are referred to as "mobile phone and account connection application information" for convenience.

Referring to Figures 6a and 6b, a predetermined customer provides a one-time password through a mobile phone number, at least one of customer information, mobile phone number information, withdrawal account information, transaction authentication information to provide a small loan service using a one-time password After filling out and submitting an application for connection with a mobile phone and an account included above, the window terminal 175 shown in FIG. When providing a one-time password through a mobile phone number corresponding to the connection application, and requesting a user interface for providing a small loan service using the one-time password (600), the server corresponding to the mobile phone and account connection application prepared by the customer Corresponding customer information, mobile phone number information, withdrawal account information, transaction authentication information Generate (or extract) a user interface for inputting (or selecting) mobile phone and account connection request information including one or more to the server (605); and generating (or extracting) the user through the financial network. The interface is transmitted to the terminal and output (operation 610).

Thereafter, the terminal inputs (or selects) the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the user interface (615).

If the mobile phone and the account connection request information including at least one of the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information are input (or selected) through the user interface (620), the terminal is connected to the financial network. Through the input (or selected) the mobile phone and the account connection request information is transmitted to the server (625).

Thereafter, the server receives and reads the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the financial network to the mobile phone and account connection request information. Check the validity (630).

According to an embodiment of the present invention, the validity check of the mobile phone and the account connection application information is at least matched with the mobile phone and account connection application information to the ledger D / B (200) on the financial system associated with the connection information registration system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the application information for linking the mobile phone and the account, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the connection information registration system. It is preferably made to include matching with the customer ledger stored in / B (200).

In addition, the validity check of the mobile phone and the account connection request information is the information contained in the mobile phone and the account connection application information, the withdrawal account information to the ledger D / B (200) on the financial system connected to the connection information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validation of the mobile phone and the account connection request information is preferably made of the information contained in the mobile phone and the account connection request information, including whether the mobile phone number information is subscribed to the carrier.

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

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

Thereafter, the terminal acquires image content corresponding to the mobile phone and account connection application through a predetermined image acquisition device based on the user interface (655).

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

The server, which receives the account connection request information and the image content from the terminal, generates a predetermined mobile phone and account connection request electronic document including the image content (670).

According to an embodiment of the present invention, the server provides a one-time password through the mobile phone number as it is an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 and In addition, it is preferable to process a mobile phone and an account connection request electronic document for providing a small loan service using a one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Provide a one-time password through an image file corresponding to an image content including at least one or more information among the number information, withdrawal account information, and transaction authentication information through the watermarking method, and use the one-time password for a small loan. It is desirable to create a mobile phone and an account connection request electronic document for service provision.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT), to provide a one-time password through the mobile phone number. In addition, it is preferable to generate a mobile phone and an account connection request electronic document for providing a small loan service using a one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one or more of number information, withdrawal account information, and transaction authentication information in a watermarking manner, and include a predetermined document file (eg, a PDF (Portable Document) including the generated image content. 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). Providing an electronic document for linking a mobile phone and an account for providing a small loan service using a one-time password It is preferable.

According to another exemplary embodiment of the present invention, the server connects the account with the image content received from the information registration terminal 180 and the mobile phone received through the information receiving unit 115 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to provide a one-time password through the mobile phone number and to generate a mobile phone and account connection request electronic document for providing a small loan service using the one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. A predetermined document including image information including at least one or more information among number information, withdrawal account information, and transaction authentication information by a watermarking method, and including the generated image content and application information for connection with the mobile phone; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Providing a one-time password through the mobile phone number, the mobile for providing a small loan service using the one-time password And it is desirable to create an account Connection Request electronic documents.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a mobile phone and account link application electronic document in the image file format and / or a predetermined document file format, and the mobile phone and account link 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.

Thereafter, the server stores the generated mobile phone and account connection request electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the connection information registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated mobile phone and the account connection request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the connection information registration system, the server stores the generated electronic document storage request electronic document on the DBMS provided in the connection information registration system. It is possible to store in the electronic document D / B (170) corresponding thereto, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the mobile phone and the account connection request electronic document in the electronic document storage is performed by linking the generated mobile phone and the account connection request electronic document and predetermined electronic document management information to the drawing 1. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the mobile phone and the account connection request electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution that transmits the electronic document with the mobile phone account connection request.

The electronic document management information may include predetermined electronic document related information (for example, customer information in which an application for linking an account with a mobile phone corresponding to the image content is prepared and / or financial institution information for transmitting an electronic document for linking an account with the mobile phone). , And / or electronic document file format information, and / or the mobile phone and account connection application information).

If the electronic document and the account connection request electronic document is stored in the electronic document storage (680), the server includes the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and account connection application information And store the data in a predetermined storage medium 145 in a predetermined storage medium 145 (685). In step 690, the mobile terminal and the account connection request information are stored (or extracted) and transmitted to the terminal (690).

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the connection information registration system (or associated with the connection information registration system). The storage medium 145 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, whereby the present invention is limited. Not.

According to another exemplary embodiment of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the connection information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of registering mobile phone and account connection application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals 175 in which the information registration terminal 180 on the connection information registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the information registration server ( When the 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer provides a one-time password through a mobile phone number, and a one-time password. In order to provide a small loan service using the customer information, mobile phone number information, withdrawal account information, transaction filling out a mobile phone and the application form including at least one or more information, and submit, a predetermined image in a predetermined window terminal 175 Acquire a predetermined image content corresponding to the application linked to the mobile phone and the account through the obtaining device, and the connection information through a predetermined information registration interface When a mobile phone and account connection application information corresponding to the mobile phone and account connection application are provided to the registration system and the image content obtained from the mobile phone and account connection application is provided, a predetermined mobile phone and account connection application electronic document including the image content is provided. Produce and store in a predetermined electronic document storage, and the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and the account connection application information and stored in a predetermined storage medium 145 Specifically, the method for obtaining the predetermined image content corresponding to the mobile phone and the account connection application through a predetermined image acquisition device in the window terminal 175, and corresponding to the mobile phone and the account connection application Enter (or select) your mobile phone and account link registration information to register the information The implementation method of transmitting to the server 100 is shown.

Persons having ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b, and the application information for connecting the account with the mobile phone from the window terminal 175 to the information registration server 100. It will be able 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 7a and 7b.

For example, in the implementation method shown in FIGS. 7A and 7B, the window terminal 175 acquires predetermined image contents corresponding to the mobile phone and account connection application through a predetermined image acquisition device, and / or the mobile phone. Although a user interface for inputting (or selecting) a mobile phone and account connection application information corresponding to the account connection application is illustrated and provided from the information registration server 100, the predetermined information registration is performed on the counter terminal 175. When the program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIG. 7A and FIG. 7B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, mobile phone number information, withdrawal account information, and transaction authentication information transmitted from the window terminal 175 to the information registration server 100 are referred to as "mobile phone and account connection application information" for convenience.

Referring to Figures 7a and 7b, a predetermined customer provides a one-time password through a mobile phone number, at least one of customer information, mobile phone number information, withdrawal account information, transaction authentication information to provide a small loan service using a one-time password After filling out and submitting an application for connection with a mobile phone and an account including the above, the window terminal 175 shown in FIG. 1 connects to the server through a predetermined financial network and connects a predetermined communication channel to the mobile phone and the account. When providing a one-time password through a mobile phone number corresponding to the connection application, and requesting a user interface for providing a small loan service using a one-time password (700), in response to the server the mobile phone and account created by the customer in the terminal Enter (or select) your mobile phone and account linking request information Generate (or extract) a user interface for acquiring predetermined image contents corresponding to the mobile phone and account connection application through a predetermined image obtaining device and transmitting the same to the server (705); The generated (or extracted) user interface is transmitted to the terminal and output (710).

Thereafter, the terminal inputs (or selects) the account connection request information with the mobile phone including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the user interface (715).

If the mobile phone and the account connection request information including at least one of the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information are input (or selected) through the user interface (720), the terminal receives the user interface. An image content corresponding to the mobile phone and the account connection application is obtained through a predetermined image acquisition device based on 725.

If image contents corresponding to the mobile phone and account connection application are obtained through the image acquisition device (730), the terminal transmits the mobile phone and account connection application information and image content to the server through the financial network ( 735).

Thereafter, the server receives and reads the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the financial network to the mobile phone and account connection request information. Check the validity (740).

According to an embodiment of the present invention, the validity check of the mobile phone and the account connection application information is at least matched with the mobile phone and account connection application information to the ledger D / B (200) on the financial system associated with the connection information registration system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the application information for linking the mobile phone and the account, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the connection information registration system. It is preferably made to include matching with the customer ledger stored in / B (200).

In addition, the validity check of the mobile phone and the account connection request information is the information contained in the mobile phone and the account connection application information, the withdrawal account information to the ledger D / B (200) on the financial system connected to the connection information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validation of the mobile phone and the account connection request information is preferably made of the information contained in the mobile phone and the account connection request information, including whether the mobile phone number information is subscribed to the carrier.

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

On the other hand, if the validity of the mobile phone and the account connection request information is authenticated (745), the server generates a predetermined mobile phone and account connection request electronic document containing the image content (755).

According to an embodiment of the present invention, the server provides a one-time password through the mobile phone number as it is an image file including the image content received from the information registration terminal 180 through the image receiving unit 120 and In addition, it is preferable to process a mobile phone and an account connection request electronic document for providing a small loan service using a one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Provide a one-time password through an image file corresponding to an image content including at least one or more information among the number information, withdrawal account information, and transaction authentication information through the watermarking method, and use the one-time password for a small loan. It is desirable to create a mobile phone and an account connection request electronic document for service provision.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. Files, or electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT), to provide a one-time password through the mobile phone number. In addition, it is preferable to generate a mobile phone and an account connection request electronic document for providing a small loan service using a one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. Generate image content including at least one or more of number information, withdrawal account information, and transaction authentication information in a watermarking manner, and include a predetermined document file (eg, a PDF (Portable Document) including the generated image content. 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). Providing an electronic document for linking a mobile phone and an account for providing a small loan service using a one-time password It is preferable.

According to another exemplary embodiment of the present invention, the server connects the account with the image content received from the information registration terminal 180 and the mobile phone received through the information receiving unit 115 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to provide a one-time password through the mobile phone number and to generate a mobile phone and account connection request electronic document for providing a small loan service using the one-time password.

Alternatively, the server may include the customer information included in the mobile phone and the account connection request information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. A predetermined document including image information including at least one or more information among number information, withdrawal account information, and transaction authentication information by a watermarking method, and including the generated image content and application information for connection with the mobile phone; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), Providing a one-time password through the mobile phone number, the mobile for providing a small loan service using the one-time password And it is desirable to create an account Connection Request electronic documents.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a mobile phone and account link application electronic document in the image file format and / or a predetermined document file format, and the mobile phone and account link 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.

Thereafter, the server stores the generated mobile phone and account connection request electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 150 and an electronic document D / B 170 connected to a server on the connection information registration system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated mobile phone and the account connection request electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the connection information registration system, the server stores the generated electronic document storage request electronic document on the DBMS provided in the connection information registration system. It is possible to store in the electronic document D / B (170) corresponding thereto, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the mobile phone and the account connection request electronic document in the electronic document storage is performed by linking the generated mobile phone and the account connection request electronic document and predetermined electronic document management information to the drawing 1. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the mobile phone and the account connection request electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution that transmits the electronic document with the mobile phone account connection request.

The electronic document management information may include predetermined electronic document related information (for example, customer information in which an application for linking an account with a mobile phone corresponding to the image content is prepared and / or financial institution information for transmitting an electronic document for linking an account with the mobile phone). , And / or electronic document file format information, and / or the mobile phone and account connection application information).

If the electronic document and the account connection request electronic document is stored in the electronic document storage (765), the server includes the customer information, mobile phone number information, withdrawal account information, transaction authentication information contained in the mobile phone and account connection application information Stored in a predetermined storage medium 145 in association processing (770), predetermined information registration history information (e.g., a history of storing the mobile phone and an account connection request electronic document in the electronic document storage, and / or the storage medium) In step 775, the mobile terminal and the account connection request information are stored (or extracted) and transmitted to the terminal (775).

According to an embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system provided on the connection information registration system (or associated with the connection information registration system). The storage medium 145 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200, whereby the present invention is limited. Not.

According to another exemplary embodiment of the present invention, the storage medium 145 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the connection information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face connection information registration system for providing a one-time password through a mobile phone number and providing a small loan service using a one-time password according to another embodiment of the present invention.

In more detail, Figure 8 shows that a predetermined customer provides a one-time password through the mobile number to a connection information registration system through a predetermined information registration interface, and provides customer information and mobile number information to provide a small loan service using the one-time password. If the mobile phone and the account connection request information including at least one, withdrawal account information, transaction authentication information is provided, the predetermined mobile phone and account connection request electronic document including the provided mobile phone and account connection request information in the connection information registration system Produce and store in a predetermined electronic document storage, and the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and the account connection application information stored in a predetermined storage medium 840 As for the system configuration, specifically the electronic document It relates to an implementation method in which the office is provided on an external system associated with the connection information registration system through a predetermined communication means.

If one of ordinary skill in the art to which the present invention pertains, referring to and / or modifying this figure 8 provides a one-time password through a mobile phone number, configuration of a connection information registration system for providing a small loan service using a one-time password Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the connection information registration system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the mobile phone and the account connection request electronic document are described as being generated on the server side on the connection information registration system, but the present invention is not limited thereto. The mobile phone and the account connection request electronic document may be generated on the terminal side that inputs (or selects) the mobile phone and the account connection request information (for example, the electronic document generation function provided on the server side is provided on the terminal side). To generate an electronic document connection request with the mobile phone), whereby the present invention is not limited.

Hereinafter, the mobile phone and the account connection request information is received from the customer through a predetermined information registration interface on the connection information registration system shown in FIG. And components corresponding to at least one or more means and / or functional configurations for storing the mobile phone and the account connection request information in a predetermined storage medium 840 are referred to as "information registration server 800" for convenience.

Referring to this figure 8 according to the embodiment of the present invention, the connection information registration system for providing a one-time password through the mobile phone number, using the one-time password, micro-loan service, wired terminal and / or wireless used by the customer And an information registration terminal 870 including at least one client terminal including at least one terminal, and the connection information registration system via a predetermined network means. The communication channel is connected to the information registration server 800 provided on the.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Provide a one-time password through the mobile phone number through at least one user interface provided by the information registration server 800, and input (or select) the mobile phone and account connection application information for providing a small loan service using the one-time password In this case, the client terminal preferably transmits the information registration server 800 provided on the connection information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is 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 Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

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

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

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 800, and inputs and / or selects at least one or more information through the user interface to the information registration server 800. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 800, etc.) is provided.

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

In the connection information registration 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 information registration server 800. And / or the wireless communication network performs a function of an information registration interface for providing a one-time password through the mobile phone number and registering the application information for connection with the mobile phone for providing a small loan service using the one-time password.

According to another exemplary embodiment of the present invention, the information registration terminal 870 is an automatic teller machine (ATM), a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the connection information registration system as described above, when the information registration terminal 870 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (not shown) and the information registration The financial network connecting the server 800 has a function of an information registration interface for registering a mobile phone and account connection application information for providing a one-time password through the mobile phone number and providing a small loan service using the one-time password. And / or connecting the call terminal (not shown), the call terminal (not shown), and the information registration server 800 when the information registration terminal 870 is the call terminal (not shown). Wired telephone network and / or wireless telephone network is the customer provides a one-time password through the mobile phone number, small loan service using a one-time password Performs a function of an information registration interface for registering the mobile phone and account connection application information for providing, and / or a terminal (and / or server) that the information registration terminal 870 is provided in an institution affiliated with the financial institution; (Not shown), a network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 800 may be used by the customer. It provides a one-time password through the number, and performs the function of the information registration interface for registering the application information linked to the mobile phone and account for providing a small loan service using the one-time password.

The storage medium 840 provided on the connection information registration system according to the present invention includes the customer information, mobile phone number information, and withdrawal account information included in the mobile phone and account connection application information provided from the information registration terminal 870. In operation, the transaction authentication information is linked and stored in a predetermined storage medium 840.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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 linked information registration system corresponding to the customer by It is preferable to make.

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , A real account, or a virtual account, or an online account) preferably includes at least one predetermined account number, account holder information, and financial institution information in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides a one-time password through the mobile phone number, account password, financial transaction password, corresponding to the financial account opened in the financial institution for use of the withdrawal service using the one-time password, It is possible to further include financial company financial transaction authentication information including at least one or more security card information, by which the present invention is not limited.

According to an embodiment of the present invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the connection information registration system (or associated with the connection information registration system). The storage medium 840 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 840 is provided with (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system provided on the connection information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the connection information registration system according to the present invention is a generic term for the connection information registration system-side components that are connected to the information registration terminal 870 through a predetermined network means. It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal 870 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 information registration server 800 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program included in the server (or device), and / or a server provided in the external world on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 800 is the wireless banking Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless 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 another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the information registration terminal 870 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 870 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 805 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication 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 transmitting and receiving data.

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a financial automatic device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation 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 information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, 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 information registration server 800, the interface unit 805 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 805 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 8, when the predetermined information registration terminal 870 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the mobile phone is connected to the information registration server 800. Provide a one-time password through a number, and input (or select) a predetermined mobile phone and account connection application information from the information registration terminal 870 to provide a small loan service using a one-time password to the information registration server 800 Interface providing unit 810 for generating (or extracting) at least one user interface for transmitting and providing the generated (or extracted) user interface to the information registration terminal 870 in association with the interface unit 805. And, when the information registration terminal 870 inputs (or selects) and transmits the account connection request information to the mobile phone through the user interface, It is characterized in that it comprises an information receiving unit 815 for receiving the account connection request information and the mobile phone transmitted from the information registration terminal 870 in conjunction with the interface unit 805.

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800 to the information registration server 800. Providing a one-time password through a mobile phone number and requesting a user interface for providing a micro loan service using a one-time password, the information registration terminal 870 inputs (or selects) predetermined mobile phone and account connection application information. Create at least one user interface for transmission to the information registration server 800 via a network means, and / or extract from a predetermined database (not shown), and generate (or interact with) the interface unit 805 The extracted user interface is provided to the information registration terminal 870 through the network means.

According to an embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or an interactive digital TV) through the interface unit 805. .

At least one or more to input (or select) a predetermined mobile phone and account connection application information to the information registration terminal 870 according to another embodiment of the present invention to transmit to the information registration server 800 through the network means When a predetermined information registration program having a user interface is provided, a user interface for inputting (or selecting) predetermined mobile phone and account connection application information and transmitting the information to the information registration server 800 is generated (or The interface providing unit 810 which is extracted) and provided to the information registration terminal 870 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 870 inputs (or selects) the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the user interface, The input (or selected) mobile phone and the account connection request information are transmitted to the information registration server 800 through the network means, and correspondingly, the information receiving unit 815 is connected to the interface unit 805 Characterized in that for receiving the account connection request information and the mobile phone transmitted from the information registration terminal 870.

According to the embodiment of the present invention, the information registration terminal 870 is the information registration server 800 in the mobile phone and account connection application information including at least one or more of the customer information, mobile phone number information, withdrawal account information, transaction authentication information ) At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the application information linked to the mobile phone and account; It is preferable to transmit to the information registration server 800 through the network means.

According to the embodiment of the present invention, the information registration terminal 870 is at least one encryption method for the mobile phone and account connection application information including at least one or more of the customer information, mobile phone number information, withdrawal account information, transaction authentication information ( For example, a symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. It is preferable to transmit a predetermined electronic signature to the information registration server 800 through the network means, and for this purpose, the information registration terminal 870 obtains at least one encryption key corresponding to the encryption method. And / or have a predetermined public certificate including at least one encryption key, and / or When the public certificate is provided in a predetermined IC chip (or IC card), it is preferable that a card reader for confirming the public certificate provided in the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the cellular phone and the account connection application information, and a technique for attaching a predetermined electronic signature to the cellular phone and the account connection application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Referring to FIG. 8, when the information registration server 800 receives the account connection request information transmitted from the information registration terminal 870 through the information receiver 815, the information registration server 800 connects the account with the received mobile phone. The application information is provided with a one-time password through the mobile phone number, characterized in that it comprises a validity check unit 820 to confirm whether the validity for providing a small loan service using the one-time password.

According to an embodiment of the present invention, the mobile phone and the account connection application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or a key exchange-based encryption scheme, etc., the validity confirming unit 820 includes at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted mobile phone and account connection request information. And / or public key 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 mobile phone and account connection application information. Do.

Alternatively, when a predetermined electronic signature is attached to the mobile phone and the account connection request information, the validity verification unit 820 checks the electronic signature attached to the mobile phone and the account connection application information, thereby connecting the account with the received mobile phone It is desirable to verify the validity of the application information.

Those skilled in the art to which the present invention pertains check the technical characteristics of various decryption methods for decrypting the encrypted mobile phone and account connection application information, and the electronic signature attached to the mobile phone and account connection application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the mobile phone and the account connection request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the mobile phone and account connection request information. The validity checker 820 compares and authenticates the password included in the mobile phone and the account connection request information with the password provided corresponding to the customer on the DBMS, thereby validating the received mobile phone and account connection request information. It is desirable to authenticate.

Alternatively, when the mobile phone and the account connection request information received through the information receiver 815 further includes predetermined security card information for confirming the validity of the mobile phone and account connection request information, the validity checking unit ( 820 compares and authenticates the security card information included in the mobile phone and the account connection request information with the security card information provided corresponding to the customer on the DBMS, thereby validating the received mobile phone and account connection request information. It is desirable to authenticate.

Alternatively, when the mobile phone and the account connection request information received through the information receiver 815 further includes a predetermined OTP code for checking the validity of the mobile phone and the account connection request information, the validity checker 820 ) Compares and authenticates the received OTP code included in the account connection request information with the mobile phone and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to verify the validity of the account link application information.

According to an embodiment of the present invention, the validity check of the mobile phone and the account connection application information is at least one ledger matched with the mobile phone and account connection application information in the ledger D / B on the financial system associated with the connection information registration system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 820 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the mobile phone and account connection application information is linked to the connection information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the mobile phone and the account connection request information is the account ledger stored in the ledger D / B of the information contained in the mobile phone and the account connection application information, the withdrawal account information on the financial system connected to the connection information registration system It is desirable to include checking that the match with.

In addition, the validation of the mobile phone and the account connection request information is preferably made of the information contained in the mobile phone and the account connection request information, including whether the mobile phone number information is subscribed to the carrier.

Referring to FIG. 8, when the validity of the mobile phone and the account connection request information is authenticated through the validity checker 820, the information registration server 800 includes a predetermined information including the received mobile phone and account connection request information. An electronic document generation unit 825 for generating a mobile phone and account connection request electronic document, and an electronic document transmission unit for transmitting the generated mobile phone and account connection application electronic document to an electronic document repository associated with the connection information registration system ( 830 is provided.

The electronic document generating unit 825 generates a mobile phone and an account connection request electronic document including the mobile phone and the account connection request information received from the information registration terminal 870 through the information receiving unit 815. do.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 may include customer information, mobile phone number information, withdrawal account information, and transaction authentication included in the mobile phone and account connection application information received through the information receiving unit 815. Generate document content including at least one information, and at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. A word processor file, or a web document file including an MHT), and the like, by providing a one-time password through the mobile phone number, and processing the electronic document through the mobile phone and account connection request for providing a micro loan service using the one-time password. Do.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received through the information receiving unit 815. After generating document content, and including at least one or more information of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the application information linked to the mobile phone and the account in the watermarking (Watermarking) method, A document file including document content including the watermarking (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 MHT). Web document file including a) provides a one-time password through the mobile number, a small amount using a one-time password Be treated as mobile phones and connected account application documents for electronic service delivery is preferred.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received through the information receiving unit 815. Generating a document content and providing a one-time password for the image file including the image content captured by capturing the document content (eg, the image content generated by capturing the document content on a memory) through the mobile number; It is preferable to process a mobile phone and an account link application electronic document for providing a small loan service using a one-time password.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received through the information receiving unit 815. Customer information and mobile phone number information included in the application information for linking the mobile phone and the account to image content (eg, image content generated by capturing the document content on a memory) that generates document content and captures the document content. After including at least one or more information, withdrawal account information, transaction authentication information in a watermarking (Watermarking) method, providing a one-time password through the mobile phone number image file containing the image content including the watermarking, As an electronic document requesting a mobile phone connection with an account for providing a micro loan service using a password. Lee it is preferable to.

According to another exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, mobile phone number information, withdrawal account information, and transactions included in the mobile phone and account connection application information received through the information receiver 815. A predetermined document file (for example, generating document content including at least one piece of authentication information) and including image content (eg, image content generated by capturing the document content on a memory). , 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). Provide a one-time password via e-mail, and apply for a mobile phone and account connection to provide a small loan service using a one-time password It is preferable to process the document.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received through the information receiving unit 815. Customer information and mobile phone number information included in the application information for linking the mobile phone and the account to image content (eg, image content generated by capturing the document content on a memory) that generates document content and captures the document content. Generating image content including at least one or more information of withdrawal account information and transaction authentication information by a watermarking method, and including a document file including the watermarking image content (eg, a PDF (Portable Document Format); Word processor including at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. File, or a web document file including MHT), it is preferable to provide a one-time password through the mobile phone number, and to process the mobile phone and the account connection request electronic document for providing a small loan service using the one-time password. .

According to another exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, mobile phone number information, withdrawal account information, included in the mobile phone and account connection application information received through the information receiver 815, and the like. Create document content including at least one transaction authentication information, apply for capturing the document content (e.g., image content generated by capturing the document content on a memory) and the mobile phone and account connection. 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, etc.) to provide a one-time password through the mobile phone number, and a small loan service system using the one-time password. It is preferable to apply processing to mobile phones and electronic documents for connected accounts.

Alternatively, the electronic document generating unit 825 includes at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received through the information receiving unit 815. Customer information and mobile phone number information included in the application information for linking the mobile phone and the account to image content (eg, image content generated by capturing the document content on a memory) that generates document content and captures the document content. A document file including image information including watermarking, at least one or more information of withdrawal account information and transaction authentication information by a watermarking method, and an image content including the watermarking and application information for linking the account with the mobile phone; (For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC). By generating a word processor file, or a web document file including the MHT, including one or more), providing a one-time password through the mobile phone number, the application to connect the mobile phone and account for providing a small loan service using the one-time password It is preferable to process the document.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 825 is a technical feature of generating an electronic file connection account and electronic document connection form of the image file and / or a predetermined document file format, and Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the mobile phone and the account connection request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 830 transmits and stores the mobile phone and account connection request electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the connection information registration system. It is done.

As shown in FIG. 8, the electronic document repository is connected with the information registration server 800 on the connection information registration system through a predetermined communication means, and the electronic document D / B 865 with a predetermined electronic document server 845. When the electronic document transmission unit 830 is provided to the outside, the electronic document server (110) via the communication means for the mobile phone and the account connection request electronic document generated by the electronic document generation unit 825 845).

Here, when the electronic document server 845 and the electronic document D / B 865 is provided outside the connection information registration system, the electronic document server 845 and the electronic document D / B 865 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the connection information registration system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. It is possible to store the mobile phone and the account connection request electronic document in the electronic document D / B 865 corresponding to the electronic document storage on the DBMS provided in the connection information registration system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 may transmit the electronic document related information (for example, the account connection request information with the mobile phone) for generating predetermined electronic document management information in the electronic document server 845. Customer information transmitted by inputting (selecting), and / or financial institution information for transmitting the account connection request electronic document with the mobile phone, and / or electronic document file format information, and / or the account connection request information with the mobile phone, etc.) In addition, it is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the information registration server 800 provides a one-time password for the mobile phone and the account connection request information received through the information receiving unit 815 through the mobile phone number through the validity checking unit 820. When the validity for providing a small loan service using a one-time password is authenticated, the predetermined information is obtained by linking and processing the customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the validity-certified mobile phone and account connection application information. Characterized in that it comprises an information storage unit 835 to be stored in the storage medium 840.

When the validity of the mobile phone and the account connection application information is confirmed by the validity confirmation unit 820, the information storage unit 835 is the customer information, mobile phone number information, withdrawal account included in the mobile phone and account connection application information And storing the information in the storage medium 840 by cooperatively processing the information and transaction authentication information, wherein the storage medium 840 is provided in the information registration server 800 or linked with the information registration server 800. When provided on the network, the information storage unit 835 links the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the received mobile phone and the account connection application information to the storage medium ( Preferably, the storage medium 840 is provided in a DBMS provided on a financial system. The information storage unit 835 stores an application for connection with the received mobile phone. The customer information, the phone number information, and payment account information, transaction information contained in the authentication through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 8, a mobile phone and an account connection request electronic document are received from the information registration server 800 provided on the connection information registration system, and stored and managed in a predetermined electronic document D / B 865. The electronic document server 845 includes an electronic document receiving unit 850 for receiving a predetermined mobile phone and account connection request electronic document from the information registration server 800 through a predetermined communication means, and the received mobile phone and account connection request. An information generation unit 855 for generating predetermined electronic document management information for storing and managing an electronic document in the electronic document D / B 865, and the electronic document management information and the mobile phone and account connection request electronic document. And an electronic document storage unit 860 for storing the data in a predetermined electronic document D / B 865.

The electronic document receiving unit 850 may receive an electronic document connection request electronic document in the form of an image file and / or a document file from the information registration server 800 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 850 receives the mobile phone and the account connection request electronic document received through the communication means that the information registration server 800 received from the information registration terminal 870 A document file (eg, a Portable Document Format (PDF) file, or an EDI file) including document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document receiving request electronic document received by the electronic document receiving unit 850 through the communication means electronic document and the account registration request information received by the information registration server 800 from the information registration terminal 870 Among the customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the application information for linking the mobile phone and the account to document contents including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included. After including at least one or more information in a watermarking manner, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including the watermarking. / DOC, including at least one word processor file, or a web document file containing the MHT, etc.) This is preferred.

Alternatively, the electronic document receiving request electronic document received by the electronic document receiving unit 850 through the communication means electronic document and the account registration request information received by the information registration server 800 from the information registration terminal 870 Image content captured (eg, image content generated by capturing the document content on a memory) including document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information. It is preferable to include an image file.

Alternatively, the electronic document receiving request electronic document received by the electronic document receiving unit 850 through the communication means electronic document and the account registration request information received by the information registration server 800 from the information registration terminal 870 The image content (eg, image content generated by capturing the document content on the memory) captured by the document content including at least one or more included customer information, mobile phone number information, withdrawal account information, and transaction authentication information. After including at least one or more information of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and the account connection application information by watermarking (Watermarking) method, including the image content including the watermarking It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 850 receives the mobile phone and the account connection request electronic document received through the communication means, the information registration server 800 is received from the information registration terminal 870 Image content (e.g., capturing the document content on a memory) which captures document content including at least one of customer information, mobile number information, withdrawal account information, and transaction authentication information included in a mobile phone and account connection application information. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated by It is preferable that the web document file including a).

Alternatively, the electronic document receiving request electronic document received by the electronic document receiving unit 850 through the communication means electronic document and the account registration request information received by the information registration server 800 from the information registration terminal 870 The image content (eg, image content generated by capturing the document content on the memory) captured by the document content including at least one or more included customer information, mobile phone number information, withdrawal account information, and transaction authentication information. Create an image content including at least one or more of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the application information linked to the mobile phone and watermarking (Watermarking), the watermarking Document files containing image content (e.g., Portable Document Format (PDF) files, or Electronic Data Interchan) ge) file, 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 electronic document receiving unit 850 receives the mobile phone and the account connection request electronic document received through the communication means, the information registration server 800 from the information registration terminal 870 Image content that captures document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection application information (eg, the document content is stored on the memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the captured image content) and the mobile phone and account connection request information. Or a web document file including the MHT).

Alternatively, the electronic document receiving request electronic document received by the electronic document receiving unit 850 through the communication means electronic document and the account registration request information received by the information registration server 800 from the information registration terminal 870 The image content (eg, image content generated by capturing the document content on the memory) captured by the document content including at least one or more included customer information, mobile phone number information, withdrawal account information, and transaction authentication information. Create an image content including at least one or more of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the application information linked to the mobile phone and watermarking (Watermarking), the watermarking A document file (eg, PDF (Portable Document Fo) containing image contents and account connection request information with the mobile phone. rmat) file, 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).

The information generating unit 855 uses a predetermined electronic document unique number (or unique information) to be assigned to a mobile phone and an account connection request electronic document received through the electronic document receiving unit 850, and the electronic document receiving unit 850. 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 mobile phone and account connection request electronic document was stored) when the mobile phone and account connection request electronic document were received. It features.

According to an exemplary embodiment of the present invention, the information generating unit 855 refers to the mobile phone received through the electronic document receiving unit 850 and the information registration server 800 that transmits an account connection request electronic document. It is preferable to check the financial institution that has sent the electronic document connection request and the electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 800 through the electronic document receiving unit 850, the information generating unit 855 receives the received information. Electronic document related information (e.g., customer information transmitted by inputting (selecting) the mobile phone and account connection request information and / or financial institution information transmitting the mobile phone and account connection request electronic document, and / or electronic document file format). Information, and / or the electronic document management information further including the mobile phone and account connection request information).

The electronic document storage unit 860 associates a mobile phone, an account connection request electronic document received through the electronic document receiving unit 850, and electronic document management information generated through the information generation unit 855, with a predetermined electronic content. The document D / B 865 may be stored.

According to the exemplary embodiment of the present invention, the cellular phone and the account connection request electronic document stored by the electronic document storage unit 860 in the electronic document D / B 865 are configured by the information registration server 800 of the information registration terminal. A document file (eg, PDF (Portable Document Format) including document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received from 870. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

Alternatively, an electronic document storage request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is received by the information registration server 800 from the information registration terminal 870. Customer information included in the application information linking the mobile phone and the account, mobile phone number information, withdrawal in the document content including at least one of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and account connection application information After at least one of account information and transaction authentication information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic) file containing document content including the watermarking). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable.

Alternatively, the cellular phone and the account connection request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 are the cellular phone received by the information registration server 800 from the information registration terminal 870. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, mobile number information, withdrawal account information, and transaction authentication information included in the account connection request information. Preferably an image file containing one image content).

Alternatively, an electronic document storage request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 is received by the information registration server 800 from the information registration terminal 870. Image content (e.g., the document content is captured on a memory) which captures document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information. After the watermarking method includes at least one or more of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and the account connection request information in the generated image content, It is preferable to include an image file including the included image content.

According to another exemplary embodiment of the present invention, the mobile phone and the account connection request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 are registered by the information registration server 800. Image content capturing document content including at least one of customer information, mobile number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received from the terminal 870 (eg, the At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content generated by capturing document content on a memory. Word processor files, or web document files containing MHT).

Alternatively, the electronic document storage unit 860 stores the electronic document D / B 865 in a mobile phone and an account connection request electronic document that the information registration server 800 receives from the information registration terminal 870. Image content (e.g., the document content is captured on a memory) which captures document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information. Generated image contents) to generate image contents including at least one or more of customer information, mobile number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information by a watermarking method. , A document file (eg, a Portable Document Format (PDF) file, or an EDI (Electronic Data Interc) file including the image content including the watermarking). hange) file, a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT).

According to another exemplary embodiment of the present invention, a mobile phone and an account connection request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 are stored in the information registration server 800. Image content (e.g., captured) of document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information received from the registration terminal 870 (for example, A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including an image content generated by capturing the document content on a memory; A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the cellular phone and the account connection request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 are the cellular phone received by the information registration server 800 from the information registration terminal 870. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one of customer information, mobile number information, withdrawal account information, and transaction authentication information included in the account connection request information. Generate an image content including at least one or more information of customer information, mobile number information, withdrawal account information, and transaction authentication information included in the mobile phone and the account connection request information in a watermarking manner; A document file (for example, PDF (Portable Document) including image content including the watermarking and the account connection request information with the mobile phone. Format file, 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 the method of the present invention, the electronic document management information stored in the electronic document D / B 865 by processing the electronic document storage unit 860 in association with the mobile phone and the account connection request electronic document, the mobile phone and It is preferable to include a predetermined number (or unique information) of the pre-consultation assigned to the electronic link request electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by processing the electronic document storage unit 860 in association with the cellular phone and the electronic document requesting electronic document is the cellular phone. And the financial institution that has transmitted the mobile phone and the account connection request electronic document identified with reference to the information registration server 800 which has transmitted the account connection request electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the information registration server 800, the electronic document storage unit 860 processes the mobile phone and the account connection request electronic document in association. The electronic document management information stored in the electronic document D / B 865 may include the received electronic document related information (eg, customer information transmitted by inputting (selecting) the mobile phone and account connection request information), and / or Financial institution information, and / or electronic document file format information, and / or the mobile phone and account connection request information, etc.) for transmitting the mobile phone and account connection request electronic document.

9 is a ledger D / B 900 provided in a DBMS on a financial system in a non-face-to-face manner to provide a one-time password through a mobile phone number and provide a small loan service using a one-time password according to an embodiment of the present invention. FIG. 1 is a diagram illustrating a configuration of a mobile phone and account connection application information stored in an application.

In more detail, in FIG. 9, when the storage medium 840 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 is used. As an information configuration for an embodiment of the method of storing the customer information, the mobile phone number information, the withdrawal account information, the transaction connection information including the mobile phone application information is shown, the general knowledge in the technical field to which the present invention belongs If you have, it will be able to infer a variety of information configuration methods for storing the application information linked to the mobile phone and the account in the ledger D / B (900) by referring to and / or modified in this figure, the present invention is inferred It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 900 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Omit.

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 relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 9, the mobile phone and the account connection request information provided through the connection information registration system shown in FIG. 8 are stored in the form of additional information added to the account ledger. The customer information, mobile phone number information, withdrawal account information, characterized in that it comprises at least one or more transaction authentication information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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 linked information registration system corresponding to the customer by It is preferable to make.

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , At least one predetermined account number and account holder information corresponding to the real account, the virtual account, or the online account) and the financial institution in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides a one-time password through the mobile phone number, account password, financial transaction password, corresponding to the financial account opened in the financial institution for use of the withdrawal service using the one-time password, It is possible to further include financial company financial transaction authentication information including at least one or more security card information, by which the present invention is not limited.

According to another embodiment of the present invention, the mobile phone and the account connection application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information added to and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limited to the present invention.

FIG. 10 is a ledger D / B 900 provided in a DBMS on a financial system in a non-face-to-face manner to provide a one-time password through a mobile phone number and provide a small loan service using a one-time password according to another embodiment of the present invention. Figure is a view showing the configuration of the mobile phone and account connection application information stored in the database associated with.

In more detail, FIG. 10 shows an information structure for an implementation method in which the storage medium 840 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 900 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10 to apply the mobile phone and account connection application information to a predetermined database in the ledger D / B 900. It is possible to infer various information configuration methods for storing in association with the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the mobile phone and account connection application information in the ledger information of the ledger D / B 900 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the DBMS It is not easy to change the ledger D / B (900), or the system expansion is not easy due to the nature of the financial system), the application to connect the account to the mobile phone to a predetermined database instead of the ledger D / B (900) It shows an implementation method of storing the information, the database and the ledger D / B (900) in a cooperative process.

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

Referring to FIG. 10, the database stores and stores the customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information. Preferably, the information further includes a CIF number corresponding to the ledger information in the mobile phone and account connection application information to be linked to the ledger D / B 900.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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 linked information registration system corresponding to the customer by It is preferable to make.

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , At least one predetermined account number and account holder information corresponding to the real account, the virtual account, or the online account) and the financial institution in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides a one-time password through the mobile phone number, account password, financial transaction password, corresponding to the financial account opened in the financial institution for use of the withdrawal service using the one-time password, It is possible to further include financial company financial transaction authentication information including at least one or more security card information, by which the present invention is not limited.

Figure 11 provides a one-time password through a mobile phone number according to another embodiment of the present invention, the application to connect the mobile phone and the account stored in the DBMS provided in the banking server in a non-face-to-face for providing a small loan service using the one-time password It is a figure which shows an information structure.

More specifically, in Figure 11, the storage medium 840 shown in Figure 8 is a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of configuring information on the mobile phone and the account connection request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 11, a predetermined DBMS provided in the banking server stores and stores customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information. do.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone 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 linked information registration system corresponding to the customer by It is preferable to make.

Preferably, the mobile phone number information includes a telephone number assigned to the mobile phone by matching the terminal unique information for identifying the customer mobile phone, in order to use the communication infrastructure provided by the telecommunication company to which the customer mobile phone is subscribed.

The withdrawal account information is account information registered by a customer to provide a one-time password through the mobile number and to use a withdrawal service using a one-time password. , At least one predetermined account number and account holder information corresponding to the real account, the virtual account, or the online account) and the financial institution in which the financial account is opened.

According to the method of the present invention, the withdrawal account information is preferably withdrawal account information that matches the sender's mobile phone number in the process of providing a one-time password through the mobile phone number, using the withdrawal service using the one-time password.

The transaction authentication information, the customer provides a one-time password through the mobile phone number, account password, financial transaction password, corresponding to the financial account opened in the financial institution for use of the withdrawal service using the one-time password, It is possible to further include financial company financial transaction authentication information including at least one or more security card information, by which the present invention is not limited.

12A and 12B illustrate a process of providing a one-time password through a mobile phone number and registering a mobile phone and account connection application information in a non-face-to-face manner to provide a small loan service using a one-time password according to an embodiment of the present invention. One drawing.

12A and 12B show that the information registration terminal 870 on the connection information registration system shown in FIG. 8 is a client terminal, and the information registration server 800 is connected to a client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer provides a one-time password through the mobile phone number, and provides customer information, mobile phone number information, and a withdrawal account through the client terminal to provide a small loan service using the one-time password. If the mobile phone and the account connection request information including at least one information, transaction authentication information is provided, the connection information registration system generates a predetermined mobile phone and account connection request electronic document including the provided mobile phone and account connection request information Keep in a predetermined electronic document storage, and the account and the mobile phone An embodiment of the present invention relates to a method of linking the customer information, mobile phone number information, withdrawal account information, transaction authentication information stored in a predetermined storage medium 840, the general knowledge in the technical field to which the present invention pertains. If the person having a, it will be able to infer various implementation methods for registering the connection information with the mobile phone and the account from the client terminal to the information registration server 800 by referring to and / or modified with reference to Figures 12a and 12b, The present invention includes all the implementation methods inferred above, and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, in the implementation method shown in FIGS. 12A and 12B, a web page provided by the information registration server 800 provides a user interface for the client terminal to input (or select) the account connection request information with the mobile phone. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 800, thereby the present invention is not limited.

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server 800 shown in FIG. 8 is referred to as " server " for convenience. The customer information, mobile phone number information, withdrawal account information, and transaction authentication information transmitted to the information registration server 800 are referred to as "mobile phone and account connection application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the mobile phone Providing a one-time password through a number and requesting a web page including a user interface for providing a small loan service using a one-time password (1200), the server correspondingly the customer information, mobile phone number information, withdrawal account information Inputting (or selecting) account connection request information with a mobile phone including at least one transaction authentication information and transmitting the same to the server; A web page including a user interface for generating a web page is generated (or extracted) (1205), and the web page including the generated (or extracted) user interface is transmitted to the terminal and output through the network means (1210). .

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the account connection request information with the mobile phone. It is not limited.

Thereafter, the terminal inputs (or selects) the mobile phone and account connection request information including at least one or more customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the user interface included in the web page (1215). .

If the terminal inputs (or selects) the mobile phone and account connection request information including the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information through the user interface (1220), the terminal transmits the communication channel. The input (or selected) through the customer information, mobile number information, withdrawal account information, transaction authentication information is transmitted to the server (1225).

According to the method of the present invention, the terminal is connected to the mobile phone and account connection request information from the server to the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, transaction authentication information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the transmission to the server via the network means It is desirable to.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key) and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information. Based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. Preferably, a signature is transmitted to the server through the network means, and for this purpose, the terminal includes at least one encryption key corresponding to the encryption scheme, and / or includes at least one encryption key. Have a certified certificate and / or the certificate is placed on a predetermined IC chip (or IC card) When provided, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, based on a symmetric key) for the mobile phone and account connection request information including at least one of the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information. An encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), a car for checking the official certificate provided on the IC chip (or IC card) It is preferred that the reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the cellular phone and the account connection application information, and a technique for attaching a predetermined electronic signature to the cellular phone and the account connection application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information through the communication channel to confirm the validity of the mobile phone and account connection application information (1230).

According to an embodiment of the present invention, the mobile phone and the account connection application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or, when encrypted with a key exchange based encryption scheme, the server at least one decryption scheme (eg, symmetric key based decryption scheme, and / or public) that corresponds to the encryption scheme. Key-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 mobile phone and account connection application information.

Alternatively, when a predetermined electronic signature is attached to the mobile phone and the account connection request information, the server checks the electronic signature attached to the mobile phone and the account connection request information, thereby validating the received mobile phone and account connection request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains check the technical characteristics of various decryption methods for decrypting the encrypted mobile phone and account connection application information, and the electronic signature attached to the mobile phone and account connection application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the mobile phone and the account connection request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the mobile phone and account connection request information, the server It is preferable to authenticate the validity of the received mobile phone and the account connection application information by comparing and authenticating the received password included in the mobile phone and the account connection application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the mobile phone and the account connection request information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the mobile phone and the account connection request information, the server includes the mobile phone. And verifying the validity of the received mobile phone and the account connection application information by comparing and authenticating the received security card information included in the account connection application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the mobile phone and the account connection request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the mobile phone and the account connection request information, the server may be connected to the mobile phone. By comparing and authenticating the received OTP code included in the account connection request information with the OTP code generated based on the predetermined OTP generation information provided in correspondence with the customer on the DBMS, It is desirable to authenticate validity.

According to an embodiment of the present invention, the validation of the mobile phone and the account connection request information is at least matched with the mobile phone and account connection request information in the ledger D / B (900) on the financial system associated with the connection information registration system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 820 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the mobile phone and account connection application information is linked to the connection information registration system. It is preferable to include checking whether the / B 900 matches the customer ledger.

In addition, the validity confirmation of the mobile phone and the account connection request information is the information contained in the mobile phone and the account connection application information, the withdrawal account information to the ledger D / B (900) on the financial system connected to the connection information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validation of the mobile phone and the account connection request information is preferably made of the information contained in the mobile phone and the account connection request information, including whether the mobile phone number information is subscribed to the carrier.

If the validity of the mobile phone and the account connection request information is not authenticated (1235), the server generates a web page including the predetermined information registration error information and transmits it to the terminal (1240), and the mobile phone and account connection Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the mobile phone and the account connection request information is authenticated (1235), the server includes at least one or more customer information, mobile phone number information, withdrawal account information, transaction authentication information including the mobile phone and account connection request information Generates predetermined document content (1245), and generates an electronic connection request electronic document with a predetermined mobile phone including the document content (1250).

According to an embodiment of the present invention, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection application information. A document file including the document content (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 including an MHT) File, etc.), it is preferable to provide a one-time password through the mobile phone number, and to process a mobile phone and an account connection request electronic document for providing a small loan service using the one-time password.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and the mobile phone and the mobile phone and the mobile phone and the mobile phone and the mobile phone and the mobile phone. Document file including the document content including the watermarking after including at least one of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the account connection application information by watermarking method (Watermarking) (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). Provide one-time password through the phone, and open a mobile phone and account for providing a small loan service using the one-time password It is preferable to apply processing to electronic documents.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. A mobile phone and an account for providing a one-time password through the mobile phone number and providing a small loan service using the one-time password for an image file including image content (eg, image content generated by capturing the document content on a memory). It is advisable to process the connection request electronic document.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. At least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information in the image content (for example, image content generated by capturing the document content on a memory); After the watermarking (Watermarking) method, the image file including the watermarking image file provides a one-time password through the mobile phone number, and the mobile phone and account connection for providing a small loan service using the one-time password It is desirable to process the application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection application information. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content (eg, image content generated by capturing the document content on a memory) that captures the document content, or an EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), to provide a one-time password through the mobile phone number and a small amount using a one-time password. It is advisable to use a mobile phone and an account link application electronic document to provide a loan service.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. At least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information in the image content (for example, image content generated by capturing the document content on a memory); Generating image content including the watermarking method, and including a document file including the watermarking image content (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or Word processor file containing at least one HWP / DOC, etc., or web document file containing the MHT Etc.), it is preferable to provide a one-time password through the mobile phone number, and to process a mobile phone and account connection application electronic document for providing a small loan service using the one-time password.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection application information. And a predetermined document file (eg, PDF (Portable) that includes image content (eg, image content generated by capturing the document content on a memory) and the mobile phone and account connection request information. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). To provide a small loan service using a one-time password, mobile phone and account connection application electronic It is desirable to process each other.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. At least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information in an image content (for example, image content generated by capturing the document content on a memory); Generating an image content including information by a watermarking method, and a document file (eg, a Portable Document Format (PDF) file, or an image content including the watermarking and application information for linking the account with the mobile phone) A word processor including at least one Electronic Data Interchange (EDI) file or HWP / DOC It is preferable to provide a one-time password through the mobile number and generate a one-time password or a web document file including the MHT, and process it as a mobile phone and an account connection request electronic document for providing a small loan service using the one-time password. .

Those skilled in the art to which the present invention pertains, the technical features that the server generates a mobile phone and account link application electronic document in the image file format and / or a predetermined document file format, and the mobile phone and account link 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.

Thereafter, the server stores the generated mobile phone and account connection request electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes an electronic document D / B 865 and a predetermined electronic document server 845 linked with a server on the connection information registration system through predetermined communication means. When provided with, the server preferably transmits the generated account connection request electronic document to the electronic document server 845 via the communication means to store in the electronic document D / B (865). .

Alternatively, when the electronic document storage is provided on a DBMS provided in the connection information registration system, the server stores the generated electronic document storage request electronic document on the DBMS provided in the connection information registration system. It is possible to store in the electronic document D / B 865 corresponding to the present invention, thereby not limited.

According to an embodiment of the present invention, the storing of the mobile phone and the account connection request electronic document in the electronic document storage unit is performed by linking the generated mobile phone and the account connection request electronic document and predetermined electronic document management information to the drawing 8. It is preferable to include storing in the electronic document D / B (865) shown in.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the mobile phone and the account connection request electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution that transmits the electronic document with the mobile phone account connection request.

The electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the mobile phone and account connection request information and / or financial information for transmitting the mobile phone and account connection request electronic document). Institution information, and / or electronic document file format information, and / or the mobile phone and account connection application information).

If the electronic document and the account connection request electronic document is stored in the electronic document storage (1260), the server includes the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and account connection application information And store the data in a predetermined storage medium 840 in a predetermined storage medium 840 (1265), and store the predetermined information registration history information (e.g., a history of storing the mobile phone and an account connection request electronic document in the electronic document storage, and / or the storage medium). In operation 840, the mobile terminal and the account connection request information are stored (or extracted) and transmitted to the terminal (1270).

According to an embodiment of the present invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the connection information registration system (or associated with the connection information registration system). The storage medium 840 may be a ledger D / B 900 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 840 is provided with (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system provided on the connection information registration system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

13a and 13b and 13c provide a one-time password through a mobile phone number according to an embodiment of the present invention, and the connection information between the mobile phone and the account through a non-face-to-face financial transaction channel for providing a small loan service using the one-time password. A diagram illustrating a process of registering a.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case in which the connection information registration system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the connection information registration shown in FIG. 8). In the case where the information registration server 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.) and performs a predetermined customer authentication procedure. After performing, the client terminal provides a one-time password through a mobile phone number, and transmits a predetermined mobile phone and account connection application information for providing a small loan service using the one-time password to the Internet banking server, the Internet banking server. A predetermined mobile phone and account connection request e-mail including the received mobile phone and account connection request information Produce and store in a predetermined electronic document storage, and the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the mobile phone and the account connection application information stored in a predetermined storage medium 840 As a person of ordinary skill in the art to which the present invention pertains, the mobile phone is connected to another mobile communication channel through another type of non-face-to-face financial transaction channel by referring to and / or modifying the drawings 13a, 13b and 13c. Various implementation methods for registering the account connection request information with the present invention may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a mobile phone and an account connection application information between the client terminal and the internet banking server based on the browser program is illustrated, general knowledge in the technical field to which the present invention pertains is shown. In the case of a person having the Internet banking method, the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C is referred to and / or modified, based on a predetermined Internet banking program mounted on the client terminal. Client terminal and inter Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a mobile phone and account connection application information between banking servers, the present invention provides an internet banking-based financial transaction provided based on the internet banking program. And the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer a method of linking a non-face-to-face channel-based financial transaction channel for registering account connection application information. The invention includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention. This is not limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

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

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

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

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

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

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

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

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

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

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

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

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

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

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), 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 (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel is a communication channel for providing a one-time password through the mobile phone number from the terminal to the server and transmitting and registering a predetermined mobile phone and account connection application information for providing a small loan service using the one-time password. it means.

Subsequently, the terminal provides a one-time password through the mobile phone number to the server through an internet banking-based financial transaction channel and requests a web page including a user interface for providing a small loan service using the one-time password (1300b). In response, the server inputs (or selects) a mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information, and transmits the user interface to the server. A web page including the web page is generated (or extracted) (1305b), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page is a user interface for inputting (or selecting) mobile phone and account connection request information including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information in the terminal. It is preferably made, and / or predetermined password and / or security card information (eg, during the Internet banking application process to confirm the validity for the Internet banking customer requesting to register the account connection application information with the mobile phone The security card information printed on the security card issued to the customer and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application) is provided by the financial institution to the customer (or OTP authentication). The user interface for inputting a one-time password generated through the program) desirable.

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 mobile phone and the account connection request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, and transaction authentication information through the information registration interface (1315b).

If the terminal inputs (or selects) the account connection application information including the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information through the user interface (1320b), the terminal performs the financial transaction. The input (or selected) mobile phone and the account connection request information are transmitted to the server through a channel (1325b).

According to the method of the present invention, the terminal is connected to the mobile phone and account connection request information from the server to the mobile phone and account connection request information including at least one of the customer information, mobile phone number information, withdrawal account information, transaction authentication information At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the transmission to the server via the network means It is desirable to.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, based on a symmetric key) for the mobile phone and account connection request information including at least one of the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information. Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. It is preferable to transmit to the server through the network means attached to this, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or includes a predetermined at least one encryption key Have an accredited certificate, and / or the accredited certificate on a given IC chip (or IC card) If provided, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, based on a symmetric key) for the mobile phone and account connection request information including at least one of the customer information, the mobile phone number information, the withdrawal account information, and the transaction authentication information. An encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC card), a car for checking the official certificate provided on the IC chip (or IC card) It is preferred that the reader is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the cellular phone and the account connection application information, and a technique for attaching a predetermined electronic signature to the cellular phone and the account connection application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the account connection application information through the financial transaction channel and checks the validity of the mobile phone and account connection application information (1330b).

According to an embodiment of the present invention, the mobile phone and the account connection application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or, when encrypted with a key exchange based encryption scheme, the server at least one decryption scheme (eg, symmetric key based decryption scheme, and / or public) that corresponds to the encryption scheme. Key-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 mobile phone and account connection application information.

Alternatively, when a predetermined electronic signature is attached to the mobile phone and the account connection request information, the server checks the electronic signature attached to the mobile phone and the account connection request information, thereby validating the received mobile phone and account connection request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains check the technical characteristics of various decryption methods for decrypting the encrypted mobile phone and account connection application information, and the electronic signature attached to the mobile phone and account connection application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the mobile phone and the account connection request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the mobile phone and account connection request information, the server It is preferable to authenticate the validity of the received mobile phone and the account connection application information by comparing and authenticating the received password included in the mobile phone and the account connection application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the mobile phone and the account connection request information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the mobile phone and the account connection request information, the server includes the mobile phone. And verifying the validity of the received mobile phone and the account connection request information by comparing and authenticating the received security card information included in the account connection request information with the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the mobile phone and the account connection request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the mobile phone and the account connection request information, the server may be connected to the mobile phone. By comparing and authenticating the received OTP code included in the account connection request information with the OTP code generated based on the predetermined OTP generation information provided in correspondence with the customer on the DBMS, It is desirable to authenticate validity.

According to an embodiment of the present invention, the validation of the mobile phone and the account connection request information is at least matched with the mobile phone and account connection request information in the ledger D / B (900) on the financial system associated with the connection information registration system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 820 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the mobile phone and account connection application information is linked to the connection information registration system. It is preferable to include checking whether the / B 900 matches the customer ledger.

In addition, the validity confirmation of the mobile phone and the account connection request information is the information contained in the mobile phone and the account connection application information, the withdrawal account information to the ledger D / B (900) on the financial system connected to the connection information registration system It is desirable to include verifying that it matches a stored ledger.

In addition, the validation of the mobile phone and the account connection request information is preferably made of the information contained in the mobile phone and the account connection request information, including whether the mobile phone number information is subscribed to the carrier.

If the validity of the mobile phone and the account connection request information is not authenticated (1335b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1340b), and connects the account with the mobile phone. Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the mobile phone and the account connection request information is authenticated (1335b), the server includes at least one or more customer information, mobile number information, withdrawal account information, transaction authentication information including the mobile phone and account connection request information Generates predetermined document content (1345b), and generates an electronic connection request electronic document with a predetermined mobile phone including the document content (1350c).

According to an embodiment of the present invention, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection application information. A document file including the document content (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 including an MHT) File, etc.), it is preferable to provide a one-time password through the mobile phone number, and to process a mobile phone and an account connection request electronic document for providing a small loan service using the one-time password.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and the mobile phone and the mobile phone and the mobile phone and the mobile phone and the mobile phone and the mobile phone. Document file including the document content including the watermarking after including at least one of the customer information, mobile phone number information, withdrawal account information, transaction authentication information included in the account connection application information by watermarking method (Watermarking) (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). Provide one-time password through the phone, and open a mobile phone and account for providing a small loan service using the one-time password It is preferable to apply processing to electronic documents.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. A mobile phone and an account for providing a one-time password through the mobile phone number and providing a small loan service using the one-time password for an image file including image content (eg, image content generated by capturing the document content on a memory). It is advisable to process the connection request electronic document.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. At least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information in the image content (for example, image content generated by capturing the document content on a memory); After the watermarking (Watermarking) method, the image file including the watermarking image file provides a one-time password through the mobile phone number, and the mobile phone and account connection for providing a small loan service using the one-time password It is desirable to process the application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection application information. A predetermined document file (eg, a Portable Document Format (PDF) file) including an image content (eg, image content generated by capturing the document content on a memory) that captures the document content, or an EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), to provide a one-time password through the mobile phone number and to use a one-time password. It is preferable to process the mobile phone and the account link application electronic document to provide a micro loan service.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. At least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information in the image content (for example, image content generated by capturing the document content on a memory); Generating image content including the watermarking method, and including a document file including the watermarking image content (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or Word processor file including at least one HWP / DOC, etc., or web document file containing the MHT Etc.), it is preferable to provide a one-time password through the mobile phone number, and to process a mobile phone and account connection application electronic document for providing a small loan service using the one-time password.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection application information. And a predetermined document file (e.g., PDF (e.g., PDF) containing image content (e.g., image content generated by capturing the document content on a memory) and the mobile phone and account connection request information. A portable document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Provide a password and apply for a mobile phone and account connection to provide a small loan service using a one-time password It is preferable to process the document.

Alternatively, the server generates document content including at least one of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the received mobile phone and account connection request information, and captures the document content. At least one or more of customer information, mobile phone number information, withdrawal account information, and transaction authentication information included in the mobile phone and account connection application information in the image content (for example, image content generated by capturing the document content on a memory); Generating an image content including a watermarking method, and a document file (eg, a Portable Document Format (PDF) file or an EDI file containing the watermarking image content and application information for linking the account with the mobile phone). (Electronic Data Interchange) Word processor including at least one file, or HWP / DOC Days, or web document files containing MHT, etc.), it is preferable to provide a one-time password through the mobile phone number, and to process as a mobile phone and account link application electronic document for providing a small loan service using the one-time password Do.

Those skilled in the art to which the present invention pertains, the technical features that the server generates a mobile phone and account link application electronic document in the image file format and / or a predetermined document file format, and the mobile phone and account link 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.

Thereafter, the server stores the generated mobile phone and account connection request electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes an electronic document D / B 865 and a predetermined electronic document server 845 linked with a server on the connection information registration system through predetermined communication means. When provided with, the server preferably transmits the generated account connection request electronic document to the electronic document server 845 via the communication means to store in the electronic document D / B (865). .

Or, if the electronic document storage is provided on the DBMS provided in the connection information registration system, the server is the electronic document storage on the DBMS provided in the connection information registration system with the generated mobile phone connection request electronic document. It is possible to store in the electronic document D / B 865 corresponding to the present invention, thereby not limited.

According to an embodiment of the present invention, the storing of the mobile phone and the account connection request electronic document in the electronic document storage unit is performed by linking the generated mobile phone and the account connection request electronic document and predetermined electronic document management information to the drawing 8. It is preferable to include storing in the electronic document D / B (865) shown in.

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the mobile phone and the account connection request electronic document and the electronic document storage date and time information.

The electronic document management information may further include information on a financial institution that transmits the electronic document with the mobile phone account connection request.

The electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the mobile phone and account connection request information and / or financial information for transmitting the mobile phone and account connection request electronic document). Institution information, and / or electronic document file format information, and / or the mobile phone and account connection application information).

If the electronic document and the account connection request electronic document is stored in the electronic document storage (1360c), the server stores the customer information, mobile phone number information, withdrawal account information, transaction authentication information contained in the mobile phone and account connection application information Stored in a predetermined storage medium 840 in a coordinated process (1365c), and a predetermined information registration history information (e.g., a history of storing the mobile phone and an account connection request electronic document in the electronic document repository, and / or the storage medium). In step 840, the mobile terminal and the account connection application information are stored (or extracted) and transmitted to the terminal (1370c).

According to an embodiment of the present invention, the storage medium 840 is preferably provided in a DBMS on a financial system provided on the connection information registration system (or associated with the connection information registration system). The storage medium 840 may be a ledger D / B 900 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 900, thereby limiting the present invention. Not.

According to another exemplary embodiment of the present invention, the storage medium 840 is provided with (or associated with) the Internet banking system, and / or the telebanking system, and / or the wireless banking system provided on the connection information registration system, and It is possible to be provided in a DBMS on at least one or more banking systems of the TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a non-face-to-face financial transaction system for providing a bankbook / cardless withdrawal service using a mobile phone number according to an embodiment of the present invention.

More specifically, FIG. 14 shows a mobile phone number information and a withdrawal request for a predetermined customer to provide a bankbook / cardless withdrawal service using the mobile phone number to a financial transaction system through a predetermined financial transaction interface (eg, wireless Internet or SMS). When providing financial transaction request information including at least one amount of money information and transaction authentication information, the financial transaction system checks the withdrawal account information corresponding to the mobile number information included in the provided financial transaction request information, and confirms A system configuration for providing a financial transaction for providing a bankbook / cardless withdrawal service using the mobile number using the withdrawal request amount information and transaction authentication information from the withdrawal account, which is common knowledge in the technical field to which the present invention pertains. If a person with a reference to Figure 14 and / or modified to take a break Various implementation methods for a financial transaction system configuration for providing a bankbook / cardless withdrawal service using a phone number may be inferred, but the present invention includes all the implementation methods inferred above, and is shown in FIG. It is not limited to only.

Hereinafter, a financial transaction for providing a bankbook / cardless withdrawal service using the mobile phone number 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 transaction server 1400 " for convenience, and the financial transaction server 1400 in FIG. 14 providing the non-face-to-face financial transaction service. Preferably, all kinds of non-face-to-face banking servers include at least one or more of an Internet banking 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 providing a bankbook / cardless withdrawal service using the mobile phone number includes a client including at least one wired terminal and / or a wireless terminal used by a customer. A financial transaction terminal 1460 including at least one terminal, a network means corresponding to a wired and / or wireless communication network to which the financial transaction terminal 1460 is connected, and the financial transaction terminal through the network means ( 1460 and a financial transaction server 1400 for processing a financial transaction for providing a bankbook / cardless withdrawal service using the mobile phone number and a financial system in which the mobile phone number is opened.

The financial system that processes the at least one financial transaction service through the mobile number in connection with the financial transaction server 1400 may include at least one window terminal and a predetermined terminal at a branch (and / or a branch) of the financial institution. Characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction services to at least one financial transaction customer through the window terminal.

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

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

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

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

According to an embodiment of the present invention, the customer may establish a carrier server (or SMS) via 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. Providing a server, and inputs (or selects) financial transaction request information for using a bank account / cardless withdrawal service using a mobile phone number through the mobile communication server server and transmits the information to a mobile communication company, the financial transaction server 1400. Preferably, the financial transaction request information is received through the telecommunication company server.

According to another exemplary embodiment of the present invention, the customer connects to a server providing a wireless Internet service through a client terminal including a wireless terminal connected to a predetermined wireless communication network, and uses a mobile phone number / no bankbook number through the server. When the financial transaction request information for using a card withdrawal service is input (or selected) and transmitted to a telecommunication company, the financial transaction server 1400 preferably receives the financial transaction request information through the telecommunication company server.

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

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

In addition, the network means for connecting the client terminal and the financial transaction server 1400 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable 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, when the client terminal accesses the financial transaction server 1400 through the wireless Internet, the client terminal outputs at least one or more user interfaces provided by the financial transaction server 1400, and at least one or more information through the user interface. 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 transaction server 1400, etc.) for inputting and / or selecting and transmitting to the financial transaction server 1400. It is preferable that it 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 or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1400 and And / or the wireless communication network performs a function of a financial transaction interface for registering the financial transaction request information for providing the bank account / cardless withdrawal service using the mobile number.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1460 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 financial terminal. And a financial automatic device 1455 (not shown) including a Cash Dispenser (CD) and / or a Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network and It further comprises a predetermined call terminal (not shown) connected to the same wired telephone network, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, And / or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto.

In the financial transaction system as described above, when the financial transaction terminal 1460 is the financial automated device 1455 (not shown), the financial automated device 1455 (not shown) and the financial automated device 1455 are used. (Not shown) and the financial network connecting the financial transaction server 1400 provides the financial transaction request information for providing the financial transaction service without a bankbook or cash card to the customer using the automated teller machine 1455. Perform a function of a financial transaction interface for registering, and / or when the financial transaction terminal 1460 is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the A wired telephone network and / or a wireless telephone network connecting the financial transaction server 1400 may be used to provide a financial transaction service without a bankbook or cash card to a customer who uses the automated teller machine 1455. A terminal (and / or server) provided in an institution affiliated with the financial institution, which is the financial transaction terminal 1460, and / or performs a function of a financial transaction interface for registering the financial transaction request information for the public. Omission), the network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial transaction server 1400 may be provided by the customer. It performs a function of the financial transaction interface for registering the financial transaction request information for providing the financial transaction service to the customer using the (1455) without a bankbook or cash card.

The financial transaction 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 financial transaction terminal 1460 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 1460 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 1400 is the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. 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)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

The financial transaction request information transmitted from the financial transaction terminal 1460 to the financial transaction server 1400 for providing a bankbook / cardless withdrawal service using the mobile phone number includes predetermined mobile phone number information and withdrawal request amount information; Characterized in that it comprises at least one transaction authentication information.

Preferably, the mobile phone number information includes a mobile phone number provided to the financial transaction system in order to confirm the withdrawal account stored in connection with the mobile phone number through the information registration system shown in FIG.

The withdrawal request amount information comprises a financial transaction amount withdrawn from the withdrawal account connected to the mobile phone number to provide a bank account / cardless withdrawal service using the mobile phone number, the withdrawal request amount is the mobile phone number It does not exceed the balance that is deposited in the financial account associated with (or the amount withdrawable through the financial account associated with the mobile number).

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction to provide a bank account / cardless withdrawal service using the mobile phone number. Information to secure the, characterized in that it comprises at least one or more passwords corresponding to the mobile phone number (or a financial account associated with the mobile phone number), or a password corresponding to the financial transaction.

In addition, due to the characteristics of the financial transaction system shown in FIG. The transaction authentication information may further include at least one security code information provided on the security card provided to the customer in the process of opening a withdrawal account connected to the mobile phone number, and / or provided to the customer by one OTP (One Tome). Password) preferably further comprises an OTP code generated through the generator.

According to an embodiment of the present invention, the financial transaction server 1400 includes an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 1460 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the financial transaction terminal 1460 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 is based on a protocol stack defined in the wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the 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 transaction server 1400, the interface unit 1405 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 14, the financial transaction server 1400 may be configured such that a predetermined financial transaction terminal 1460 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the communication. When a financial transaction for providing a bankbook / cardless withdrawal service using the mobile number is requested through a channel, the financial transaction terminal 1460 inputs predetermined financial transaction request information in conjunction with the interface unit 1405 (or And an interface providing unit 1410 (or interface providing means) for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 1460. When the transaction terminal 1460 is provided with a predetermined terminal-side banking program including the user interface, the interface provider 1410 is omitted. It is preferred.

The interface providing unit 1410 is provided in the financial transaction terminal 1460 after a predetermined financial transaction terminal 1460 connects a communication channel with the financial transaction server 1400 through the interface unit 1405. Corresponding to the functional configuration, generate a predetermined user interface capable of inputting (or selecting) the financial transaction request information to the financial transaction server 1400 via the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface to the financial transaction terminal 1460 through the network means in conjunction with the interface unit 1405.

According to an embodiment of the present invention, when the financial transaction terminal 1460 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 may include a browser program provided in the client terminal and And / or 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 1405.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 1460 and transmitting the financial transaction request information to the financial transaction server 1400 through the network means is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 1410 for providing the user interface to the financial transaction terminal 1460 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 mobile phone number information, withdrawal request amount information, and transaction authentication information, and transmits it to the financial transaction server 1400. It is preferable to include an interface function to make.

Referring to FIG. 14, the financial transaction server 1400 may provide financial transaction request information including at least one of mobile phone number information, withdrawal request amount information, and transaction authentication information through the user interface at the financial transaction terminal 1460. When receiving (or selecting) and transmitting, the information receiving unit 1415 receiving the financial transaction request information including at least one of the mobile phone number information, withdrawal request amount information and transaction authentication information in association with the interface unit 1405. (Or information receiving means), an information checking unit 1420 (or information checking means) for confirming withdrawal account information associated with the mobile phone number information included in the received financial transaction request information, and from the checked withdrawal account Validity of checking whether the withdrawal request amount included in the financial transaction request information can be withdrawn and the validity of the transaction authentication information Work for processing a financial transaction for providing a bankbook / cardless withdrawal service using the mobile phone number based on a worker 1425 (or validity confirming means) and financial transaction request information validated in association with the financial system. An information generating unit 1430 (or information generating means) for generating a password for use and a one-time password generated through the information generating unit 1430 transmit the financial transaction request information to the financial transaction terminal 1460 (or the An information transmitter 1435 (or information transmission means) for processing to be transmitted to a mobile phone number included in the financial transaction request information, a one-time password transmitted to the financial transaction terminal 1460, and a withdrawal request amount And an information storage unit 1445 (or information storage means) for connecting the information with the mobile phone number information of the customer and storing the information in the storage medium 1450. The.

In addition, when the financial transaction server 1400 receives the financial transaction request information from the financial transaction terminal 1460, and receives the branch (or branch) information to be visited by the customer, the received branch (or branch) Information may be stored in the storage medium 1450 in connection with the mobile phone number information of the customer.

The financial transaction terminal 1460 inputs (or selects) financial transaction request information including at least one of the mobile phone number information, the withdrawal request amount information, and the transaction authentication information through the user interface, and the financial means through the network means. Characterized in that the transmission to the transaction server 1400.

The information receiving unit 1415 inputs (or selects) financial transaction request information including at least one of mobile phone number information, withdrawal request amount information, and transaction authentication information through the user interface at the financial transaction terminal 1460. When transmitting through a network means, the financial transaction request information is received in connection with the interface unit 1405, and provides the received financial transaction request information to the information verification unit 1420.

The mobile phone number information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, corresponding to the customer information (for example, the name of the account holder, or the mobile phone number according to the intention of the skilled person) Customer Information File (CIF) number of the customer, financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact information (e.g., person who opened and in charge of the mobile phone number) Name, contact person code, etc.) may be further included.

The withdrawal request amount information is characterized in that it comprises a financial transaction amount [withdrawal] from the mobile number to provide a bank account / cardless withdrawal service using the mobile number, the withdrawal request amount is deposited in the mobile number It is characterized by not exceeding the remaining balance.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for providing a bank account / cardless withdrawal service using the mobile phone number. Information to secure the, characterized in that comprises at least one password corresponding to the mobile phone number, or a password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in Figure 14, characterized in that the financial transaction for providing a bank account / card-free withdrawal service using the mobile phone number is made through a non-face-to-face channel, the transaction authentication information is the opening of the mobile phone number In the process further comprises at least one or more security code information (eg, one or more security code, or a combination of two or more security code) provided on the security card provided to the customer, and / or OTP (One Tome) provided to the customer Password) preferably further comprises an OTP code generated through the generator.

In addition, in the characteristics of the financial transaction system shown in Figure 14, characterized in that the financial transaction for providing a bank account / cardless withdrawal service using the mobile number is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal (1460) (or at least one encryption included in the authentication certificate information included in the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1460), or the authentication certificate Preferably, the method further comprises encrypting the financial transaction request information based on a key, or attaching the electronic signature of the customer to the financial transaction request information.

The information checking unit 1420 receives the withdrawal account information corresponding to the mobile phone number information included in the financial transaction request information received from the financial transaction terminal 1460 through the information registration system shown in FIG. 1 or 8. Characterized in the information stored / registered in the storage medium 1450 provided on the information registration system shown in Figure 1 or 8, characterized in that the withdrawal account information is provided to the validity verification unit 1425 do.

The validity confirming unit 1425 checks whether the financial transaction request information received from the financial transaction terminal 1460 satisfies the validity for providing a bankbook / cardless withdrawal service using a mobile phone number.

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

In addition, the validity check of the financial transaction request information includes the amount deposited in the mobile phone number (eg, an account ledger provided in the ledger D / B on the financial system corresponding to the mobile phone number) in the financial transaction request information. It is preferable to include whether the amount is greater than the withdrawal request amount, and the validity of the financial transaction request information is preferably authenticated when the mobile phone number balance is greater than the withdrawal request amount.

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

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed by the security code information. The security code corresponding to the transaction authentication information is compared with the security code information corresponding to the security card included on (or associated with) the account ledger provided in the ledger D / B on the financial system corresponding to the mobile phone number. It is preferable to include a check whether a match is made, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

When the withdrawal account for the mobile number included in the financial transaction request information is confirmed, and the validity corresponding to the received financial transaction request information is confirmed, the information generator 1430 is a bankbook / cardless card using the mobile number. In order to provide a withdrawal service, characterized in that for generating a one-time password to be provided to the financial transaction terminal 1460, the generated one-time password is the financial transaction terminal 1460 through the information transmission unit 1435 ( Or a terminal corresponding to a mobile phone number included in the financial transaction request information), and / or the one-time password and withdrawal request amount information is connected to the mobile phone number through the information storage unit 1445 to the storage medium. (1450).

The information transmitter 1435 transmits the one-time password generated through the information generator 1430 to the financial transaction terminal 1460 in order to use the bankbook / cardless withdrawal service using the mobile number. And, according to the intention and purpose of those skilled in the art may be processed to be transmitted to the communication means designated by the customer requesting the financial transaction.

Referring to FIG. 14, the financial transaction server 1400 is an information receiver for receiving a one-time password provided through the information transmission unit 1435 from an automated device 1455 connected to the financial transaction server 1400 through a communication network. 1415 (or information receiving means), a validity checking unit 1425 (or validating means) for checking the validity of the received one-time password, and when the validity of the received one-time password is confirmed, It is characterized in that it comprises a financial transaction processing unit 1440 (or financial transaction processing means) for processing to withdraw the withdrawal request amount stored in connection with the one-time password through the automated device 1455 that transmitted the password.

The information receiving unit 1415 receives a one-time password transmitted by inputting (or selecting) through a bankbook / cardless financial transaction interface provided through the automation device 1455, and the received one-time password is valid. It is provided to the identification unit 1425.

The validity verification unit 1425 is a one-time password received from the automated device 1455 is included in the financial transaction terminal 1460 (or the financial transaction request information to provide a bank account / cardless withdrawal service using a mobile phone number) And a one-time password provided to the terminal corresponding to the mobile phone number.

According to the exemplary embodiment of the present invention, the validity check on the one-time password may include checking whether the one-time password matching the one-time password received from the automation device 1455 is stored in the storage medium 1450. Do.

According to another exemplary embodiment of the present invention, the validation of the one-time password may further include a mobile phone number in addition to the one-time password from the automation device 1455, and after first checking the received mobile phone number, Secondly, it is preferable to check whether the matched one-time password is stored.

According to the exemplary embodiment of the present invention, when the one-time password is received from the automated device 1455 and the one-time password and the stored point (or branch) information are connected, the automated device 1455 that transmits the one-time password is It is desirable to further check whether the information is matched with the installed point (or Youngom point).

When the validity of the one-time password is confirmed, the financial transaction processing unit 1440 is connected to the one-time password stored in the storage medium 1450 in connection with a financial system equipped with an account ledger corresponding to the withdrawal account connected with the one-time password. The withdrawal request amount is characterized in that the processing to withdraw through the automated device (1455).

According to the implementation method of the present invention, the financial transaction processing unit 1440 withdraws the withdrawal request amount associated with the one-time password from the account ledger corresponding to the withdrawal account connected with the one-time password in connection with the financial system, the withdrawal It is preferable that the processed amount is provided so as to be provided through the automation device 1455.

15 illustrates a process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in a non-face-to-face manner to provide a bankbook / cardless withdrawal service using a mobile phone number according to an embodiment of the present invention. Drawing.

In more detail, FIG. 15 illustrates a case where the financial transaction server 1400 on the financial transaction system illustrated in FIG. 14 includes 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 transaction server 1400 and connecting a communication channel for the financial transaction, the mobile phone number information, withdrawal request amount information, and transaction authentication information are transmitted to the financial transaction server 1400 through the communication channel. When the financial transaction request information is transmitted, the financial transaction server 1400 uses the mobile phone number using the mobile number and the withdrawal request amount information and transaction authentication information included in the received financial transaction request information. As the present invention relates to an implementation method of providing a financial transaction for providing a non-cardless withdrawal service, Is a person having ordinary skill in the art, various implementations of the process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in the non-face-to-face manner by referring to and / or modifying this drawing 15. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 15, the client terminal illustrated in FIG. 14 is referred to as a “terminal” for convenience, and the financial transaction server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience.

Referring to Figure 15, the terminal shown in Figure 14 is a predetermined network means (e.g., if the terminal is a wireless terminal, CDMA based mobile communication network, and / or HSDPA based wireless communication network, and / or IEEE 802.16x based portable When a financial transaction for accessing the bankbook / cardless withdrawal service using the mobile phone number is requested by accessing the server through the Internet (1500), the server corresponding to the bankbook / cardless withdrawal service using the mobile phone number in response thereto. The communication channel is generated by generating (or extracting) a web page including a user interface for inputting (or selecting) financial transaction request information including at least one of mobile phone number information, withdrawal request amount information, and transaction authentication information. It transmits to the terminal through the output 1505.

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 mobile phone number information, withdrawal request amount information, and transaction authentication information through the user interface (1510).

If the terminal receives (or selects) financial transaction request information including the mobile phone number information, withdrawal request amount information, and transaction authentication information (1515) from the user interface, the terminal inputs the information through the communication channel. (Or selected) the mobile phone number information, withdrawal request amount information and transaction authentication information are transmitted to the server (1520), and the mobile phone number information and withdrawal request amount inputted (or selected) through the communication channel in the terminal; Transmitting the information and the transaction authentication information to the server, by digitally 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 sending to the server.

Here, the mobile phone number information is preferably made of a mobile phone number provided to the financial transaction system to confirm the withdrawal account stored in connection with the mobile phone number through the information registration system shown in FIG. Do.

The withdrawal request amount information comprises a financial transaction amount withdrawn from the withdrawal account connected to the mobile phone number to provide a bank account / cardless withdrawal service using the mobile phone number, the withdrawal request amount is the mobile phone number It does not exceed the balance that is deposited in the financial account associated with (or the amount withdrawable through the financial account associated with the mobile number).

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction to provide a bank account / cardless withdrawal service using the mobile phone number. Information to secure the, characterized in that it comprises at least one or more passwords corresponding to the mobile phone number (or a financial account associated with the mobile phone number), or a password corresponding to the financial transaction.

In addition, due to the characteristics of the financial transaction system shown in FIG. 14, a financial transaction for providing a bankbook / cardless withdrawal service using the mobile number is performed through a non-face-to-face channel (for example, wireless internet or mobile phone SMS). The transaction authentication information may further include at least one security code information provided on the security card provided to the customer in the process of opening a withdrawal account connected to the mobile phone number, and / or provided to the customer, one tome password. It is preferable that it further comprises an OTP code generated through the generator.

Thereafter, the server receives financial transaction request information including at least one of mobile phone number information, withdrawal request amount information, and transaction authentication information through the communication channel (1525), and the cellular phone included in the received financial transaction request information. Check the withdrawal account information associated with the number information (1530).

According to the exemplary embodiment of the present invention, the withdrawal account information corresponding to the mobile number information included in the financial transaction request information received from the terminal may be obtained through the information registration system shown in FIG. 1 or 8. After confirming a mobile phone number matching the information stored / registered in the storage medium 1450 provided on the information registration system shown in Fig., It is preferable to check the withdrawal account information stored in connection with the mobile phone number.

If withdrawal account information corresponding to the mobile number information included in the financial transaction request information is not confirmed (1535), the server generates withdrawal account verification error information corresponding to the received financial transaction request information (or Extraction), and transmits the error information to the terminal through the communication channel (1540), then terminates the process.

On the other hand, when the withdrawal account information corresponding to the mobile number information included in the financial transaction request information is confirmed (1535), the server checks the validity of the received financial transaction request information and the confirmed withdrawal account information; Checking the validity of the financial transaction request information, 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 an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the withdrawal account corresponding to the mobile phone number information included in the financial transaction request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the mobile phone number is provided, and if the account ledger (or the customer ledger corresponding to the mobile phone number) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information includes the amount deposited in the mobile phone number (eg, an account ledger provided in the ledger D / B on the financial system corresponding to the mobile phone number) in the financial transaction request information. It is preferable to include whether the amount is greater than the withdrawal request amount, and the validity of the financial transaction request information is preferably authenticated when the mobile phone number balance is greater than the withdrawal request amount.

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

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity of the financial transaction request information is determined by the security code information. And a security code corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included in (or associated with) the account ledger provided in the ledger D / B on the financial system corresponding to the mobile phone number. It is preferable to include checking whether the information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1550), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information, and through the communication channel, The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1555).

On the other hand, if the validity of the financial transaction request information is authenticated (1550), the server generates (or extracts) a one-time password for providing a bankbook / cardless withdrawal service using the mobile phone number, and generates (or extracts) the one-time password. The one-time password is transmitted to the terminal through the communication channel (1560), the withdrawal request amount included in the generated one-time password and the received financial transaction request information withdraws the mobile number information (or withdrawal associated with the mobile number) Information stored in the storage medium 1450 (1565).

16 illustrates a process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in a non-face-to-face manner in order to provide a bankbook / cardless withdrawal service using a mobile phone number according to an embodiment of the present invention. Drawing.

In more detail, FIG. 16 illustrates a case in which the financial transaction 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 transaction server 1400 and connecting a communication channel for the financial transaction, the mobile phone number information, withdrawal request amount information, and transaction authentication information are transmitted to the financial transaction server 1400 through the communication channel. When the financial transaction request information is transmitted, the financial transaction server 1400 uses the mobile phone number using the mobile number and the withdrawal request amount information and transaction authentication information included in the received financial transaction request information. As the present invention relates to an implementation method of providing a financial transaction for providing a non-cardless withdrawal service, Is a person having ordinary skill in the art, various embodiments of the process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in the non-face-to-face manner by referring to and / or modifying this drawing 16. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the automation device 1455 illustrated in FIG. 14 is referred to as a “terminal” for convenience, and the financial transaction server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience.

Referring to FIG. 16, the terminal shown in FIG. 14 connects a communication channel with a server through the network means (1600), and provides a single-use account / cardless withdrawal service using a mobile phone number through the connected communication channel. The password is transmitted (1605).

Thereafter, the server receives the one-time password information transmitted from the terminal through the communication channel and checks the validity of the received one-time password information (1610).

According to the exemplary embodiment of the present invention, the validity check on the one-time password may include checking whether the one-time password matching the one-time password received from the automation device 1455 is stored in the storage medium 1450. Do.

According to another exemplary embodiment of the present invention, the validation of the one-time password may further include a mobile phone number in addition to the one-time password from the automation device 1455, and after first checking the received mobile phone number, Secondly, it is preferable to check whether the matched one-time password is stored.

If the validity of the one-time password received from the terminal is not confirmed (1615), the server generates (or extracts) validation error information on the received one-time password, and generates (or extracts) the The error information is transmitted to the terminal through the communication channel (1620).

On the other hand, if the validity of the one-time password received from the terminal is confirmed (1615), the withdrawal request amount stored in the storage medium 1450 shown in Figure 14 in connection with the received one-time password is the terminal It is processed to be withdrawn through (1625).

According to the method of the present invention, the server processes the withdrawal processing of the withdrawal request amount associated with the one-time password from the account ledger corresponding to the withdrawal account connected with the one-time password in association with the financial system, and the withdrawal amount is withdrawn. It is preferable that the processing is provided through the automation device 1455.

17 is a flowchart illustrating a process of processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in a non-face-to-face manner to provide a bankbook / cardless withdrawal service using a mobile phone number according to another embodiment of the present invention. One drawing.

In more detail, FIG. 17 illustrates a case in which the financial transaction 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 transaction server 1400 and connecting a communication channel for the financial transaction, the mobile phone number information, withdrawal request amount information, and transaction authentication information are transmitted to the financial transaction server 1400 through the communication channel. When the financial transaction request information is transmitted, the financial transaction server 1400 uses the mobile phone number using the mobile number and the withdrawal request amount information and transaction authentication information included in the received financial transaction request information. As the present invention relates to an implementation method of providing a financial transaction for providing a non-cardless withdrawal service, Those skilled in the art may refer to and / or modify the drawing 17 and various implementation methods for processing a financial transaction for providing a bankbook / cardless withdrawal service using a mobile phone number in the non-face-to-face manner. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the automation device 1455 illustrated in FIG. 14 is referred to as a “terminal” for convenience, and the financial transaction server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience.

Referring to FIG. 17, the terminal shown in FIG. 14 connects a communication channel with a server through the network means (1700), and provides a single-use account / cardless withdrawal service using a mobile phone number through the connected communication channel. The password is transmitted (1705).

Thereafter, the server receives the one-time password information transmitted from the terminal through the communication channel and checks the validity of the received one-time password information (1710).

According to the exemplary embodiment of the present invention, the validity check on the one-time password may include checking whether the one-time password matching the one-time password received from the automation device 1455 is stored in the storage medium 1450. Do.

According to another exemplary embodiment of the present invention, the validation of the one-time password may further include a mobile phone number in addition to the one-time password from the automation device 1455, and after first checking the received mobile phone number, Secondly, it is preferable to check whether the matched one-time password is stored.

If the validity of the one-time password received from the terminal is not confirmed (1715), the server generates (or extracts) validation error information on the received one-time password, and generates (or extracts) the Error information is transmitted to the terminal through the communication channel (1720).

On the other hand, if the validity of the one-time password received from the terminal is confirmed (1715), the server checks the point (or branch) information that the automated device 1455 is transmitted to the one-time password is installed (1725), the The identified point (or branch) information is connected with the received one-time password information to check whether the point (or branch) information stored in the storage medium 1450 matches (1730).

According to the exemplary embodiment of the present invention, when the one-time password is received from the automated device 1455 and the one-time password and the stored point (or branch) information are connected, the automated device 1455 that transmits the one-time password is It is desirable to further check whether the information is matched with the installed point (or Youngom point).

If it is not matched with the branch (business branch) information stored in the storage medium 1450 in connection with the one-time password information (1735), the server generates (or extracts) the branch (or branch office) information check error information, The terminal transmits the terminal through the communication channel (1740).

On the other hand, when the matched with the one-time password information stored in the storage medium 1450 (branch) information is matched (1735), the server is connected to the received one-time password to the storage medium 1450 shown in Figure 14 The withdrawal request amount stored in the process is processed to be withdrawn through the terminal (1745).

According to the method of the present invention, the server processes the withdrawal processing of the withdrawal request amount associated with the one-time password from the account ledger corresponding to the withdrawal account connected with the one-time password in association with the financial system, and the withdrawal amount is withdrawn. It is preferable that the processing is provided through the automation device 1455.

According to the present invention, by providing a financial transaction method for requesting a small loan through a mobile phone, there is an advantage of providing the convenience of small loan processing using a mobile phone.

According to the present invention, in the case of using a microloan service through a mobile phone, for the security of this, by providing a one-time password, and input it through an automated device, there is an advantage of using a more secure financial transaction service have.

Claims (4)

Connecting the customer's mobile phone number and the small loan limit amount to a storage medium; Requesting a microloan service using a one-time password via a customer mobile phone, receiving the mobile phone number of the customer, the microloan request amount, and confirming the microloan limit amount associated with the received mobile phone number; Checking whether the loan approval is possible for the received small loan request amount through the small loan limit amount for the customer mobile phone number; As a result of the checking, when the loan approval for the small loan request amount requested by the customer is possible, a one-time password for withdrawing the small loan request amount-a password for using a medium withdrawal service through an automatic device-is generated to the customer mobile phone. Small loan service providing method using a one-time password, characterized in that comprises a; transmitting. The method of claim 1, When the customer requests withdrawal using the received one-time password through an automated device, receiving the one-time password and confirming authentication of the received one-time password; If the received one-time password matches the password provided to the customer, processing the micro-loan request amount to be withdrawn through the automated device; How to Provide a Loan Service. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for associating a customer cell phone number with a microloan limit amount and storing it in a storage medium; Means for receiving a micro-loan service using a one-time password through a customer's mobile phone, receiving the mobile phone number of the customer and the micro-loan request amount, and confirming the micro-loan limit amount associated with the received customer's mobile phone number; Means for confirming whether a loan is approved for the received small loan request amount through the small loan limit amount for the customer mobile phone number; As a result of the checking, when the loan approval for the small loan request amount requested by the customer is possible, a one-time password for withdrawing the small loan request amount-a password for using a medium withdrawal service through an automatic device-is generated to the customer mobile phone. Means for transmitting; Means for receiving the one-time password and confirming the authentication of the received one-time password when the customer requests withdrawal using the received one-time password through an automated device; And a means for processing the micro loan request amount to be withdrawn through the automated device if the received one-time password matches the password provided to the customer. Loan service provision system.

Images