KR20090123569A - System and method for providing remote transaction service and program recording medium - Google Patents

Abstract

PURPOSE: A method for offering a safe remote transaction service, a system and a program recording medium for a business conduct process between a client and a staff are provided to supply a financial transaction service by operating a remote transaction channel. CONSTITUTION: Effectiveness is authenticated for opening a linked account to a client through virtual account open request information(1010). A server creates virtual account ledger information of the client name corresponding to the linked account based on the virtual account requesting establishment information to the client(1020). The server confirms the account corresponding to the basis account in associated with the linked account(1025). The server creates the virtual account of the client name on a database(1035).

Description

System and Method for Providing Remote Transaction Service and Program Recording Medium}

1 is a diagram illustrating a system of establishing a face-to-face account for a face-to-face method for opening a grounded account in which a customer completes a real name verification procedure by visiting a financial institution according to an exemplary embodiment of the present invention.

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

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

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

5A and 5B are diagrams illustrating a process of opening a grounded account for establishing a grounded account in which a customer completes a real name verification procedure through a visit to a financial institution in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of opening a grounded account for establishing a grounded account in which a customer completes a real name verification procedure through a visit to a financial institution in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of opening a grounded account for opening a grounded account in which a customer completes a real name verification procedure by visiting a financial institution in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a view showing a connection account opening system for opening a connection account applied using a remote means according to an embodiment of the present invention.

9 is a view showing the configuration of a virtual account ledger for opening a connection account applied using a remote means according to an embodiment of the present invention.

10 is a view showing a connection account opening process for opening a connection account applied by using a remote means according to an embodiment of the present invention.

11 is a diagram illustrating a face-to-face financial transaction system for transferring funds between a linked account and a grounded account according to an embodiment of the present invention.

12 is a diagram illustrating a ledger configuration corresponding to a linked account included in a financial system for a face-to-face financial transaction for transfer of funds between a linked account and a grounded account according to an embodiment of the present invention.

13 is a diagram illustrating a process of processing a financial transaction for transfer of funds between a linked account and a grounded account in a face-to-face manner according to an embodiment of the present invention.

14 is a diagram illustrating a face-to-face financial transaction system for the termination of the grounded account according to an embodiment of the present invention.

FIG. 15 is a diagram illustrating a ledger configuration corresponding to a base account included in a financial system for a face-to-face financial transaction for revocation processing of a base account according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of processing a financial transaction for the termination of a grounded account in a face-to-face manner according to an embodiment of the present invention.

FIG. 17 is a diagram illustrating a non-face-to-face financial transaction system for revocation of a grounded account according to an embodiment of the present invention.

FIG. 18 is a diagram illustrating a ledger configuration corresponding to a grounded account provided in a financial system for a non-face-to-face financial transaction for the termination of a grounded account according to an embodiment of the present invention.

19 is a view showing a process of processing a financial transaction for the termination of the base account in a non-face-to-face for the termination of the base account in accordance with an embodiment of the present invention.

20A and 20B are diagrams illustrating a process of processing a financial transaction for revocation processing of a base account in a non-face-to-face manner for revocation processing of a base account according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

800: virtual account opening server 805: fax data receiving unit

810: information providing unit 815: interface unit

820: interface providing unit 825: information receiving unit

830: information verification unit 835: information generation unit

840: information storage unit 845: voice data receiving unit

850: transaction authentication processing unit 855: financial system

860: storage medium

The present invention stores and registers the financial transaction work instruction information in a storage medium when receiving a financial transaction work instruction from a customer through a remote transaction channel, and registers the new financial transaction work instruction in the storage medium. First verifying the validity of the registered contents of the financial transaction work order, and if the validity of the financial transaction work order information registered in the storage medium is first confirmed, the financial transaction work order information Requesting a transaction approval for the transaction, and when the transaction approval for the financial transaction work order information is completed, process the financial transaction corresponding to the financial transaction work order, and process the financial transaction processing result as the financial transaction work order information. It relates to a remote transaction service providing method comprising the step of storing and registering in the storage medium in connection with.

Because of the development of the economy, more and more people have accumulated a lot of wealth, and they have managed to put a lot of wealth in financial institutions.

However, they are too busy to visit financial institutions, so they actually use financial transaction services using ARS or Internet banking. However, Internet banking or financial transaction services have limitations in providing services.

An object of the present invention for solving the above problems is, when receiving a financial transaction work order from a customer through a remote transaction channel, means for storing and registering the financial transaction work order information on a storage medium, and a new finance on the storage medium. When the transaction work order is registered, the first means for confirming the validity of the registered contents of the registered financial transaction work order, and the validity of the financial transaction work order information registered in the storage medium is primary. If confirmed, the means for requesting the transaction approval for the financial transaction order information, and when the transaction approval for the financial transaction order information is completed, the financial transaction corresponding to the financial transaction work order is processed, and the financial transaction A remote transaction service comprising means for linking the processing result with the financial transaction order information and storing and registering the result in the storage medium; In providing a provision system.

In the remote transaction service providing method according to the present invention, upon receiving a financial transaction work instruction from a customer through a remote transaction channel, storing and registering the financial transaction work instruction information on a storage medium, and a new financial transaction on the storage medium. When the work order is registered, the first step of validating the validity of the registration details for the registered financial transaction work order, and the result of the check, the first validity of the financial transaction work order information registered in the storage medium Requesting transaction approval for the financial transaction order information, and when the transaction approval for the financial transaction order information is completed, process the financial transaction corresponding to the financial transaction order and process the financial transaction. And storing and registering a result in the storage medium by linking a result with the financial transaction order information.

In the remote transaction service providing method according to the present invention, when the financial transaction processing corresponding to the financial transaction work instruction of the customer is completed, the remote transaction processing result including the financial transaction work instruction information and the financial transaction processing result information is displayed. It further comprises the step of notifying the customer.

In the remote transaction service providing method according to the present invention, when the financial transaction work order is a transfer transaction request, the step of confirming the payment side financial account information included in the financial transaction work order information, and the confirmed payment side account is Checking whether or not the other financial account is in progress; and if the confirmed depositing account is the current financial account, processing a transfer transaction corresponding to the financial transaction order information; If the depositing side account is the other financial account, characterized in that it further comprises the step of notifying the transfer transaction processing corresponding to the financial transaction order information.

On the other hand, it includes a computer-readable program recording medium, characterized in that for recording the program for executing the above-described method for providing a remote transaction service.

On the other hand, the remote transaction service providing system according to the present invention, when receiving a financial transaction work order from a customer through a remote transaction channel, means for storing and registering the financial transaction work order information in a storage medium, and new to the storage medium When the financial transaction work order is registered, a means for firstly confirming the validity of the registered contents of the registered financial transaction work order, and the validity of the financial transaction work order information registered in the storage medium is 1 And when it is confirmed, processing means for requesting the transaction approval for the financial transaction order information; and when the transaction approval for the financial transaction order information is completed, the financial transaction corresponding to the financial transaction order is processed; Means for linking the transaction processing result with the financial transaction order information and storing and registering in the storage medium. It is characterized by.

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

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

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

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

1 is a diagram illustrating a system of establishing a face-to-face account for a face-to-face method for opening a grounded account in which a customer completes a real name verification procedure by visiting a financial institution according to an exemplary embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer fills out an application for opening a foundation account including at least one of predetermined customer information, remote transaction agreement agreement information, and recording agreement information, and submits it to a window provided at a predetermined financial institution. The financial institution opens a grounded account for opening a grounded account for which the customer has completed the real name verification procedure through a visit to the financial institution based on the application for opening the grounded account corresponding to the grounded account opening application, and opens the grounded account. The present invention relates to a system configuration for storing base account information for management in a predetermined storage medium. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention and refer to FIG. Various implementation methods for the establishment of a foundation account opening system for the establishment of a foundation account for which a real name verification procedure is completed by visiting Would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

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

In addition, a person having ordinary knowledge in the technical field to which the present invention belongs, in addition to the method of newly opening the base account by referring to and / or modifying the drawing 1, the previously established financial account is designated as the base account, This may be utilized, and the present invention is not limited thereto.

In addition, as shown in FIG. 1, in the method for generating the base account opening application electronic document, a base account opening application electronic document corresponding to the base account opening application is generated on the server side on the base account opening system. Although the present invention is not limited by this, the present invention is not limited thereto, and the electronic device for establishing an open account is generated by a terminal that has acquired image content corresponding to the electronic device for opening an account. (Eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the base account opening application electronic document), and the present invention is not limited thereto.

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

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a grounded account for opening a grounded account for which a customer completes a real name verification procedure through a visit to a financial institution is provided to at least one branch of a financial institution (or a branch). And a terminal device 195 including a window terminal provided therein, wherein the terminal device 195 is provided with a financial company server 100 provided on the foundation account opening system through a predetermined financial network. The communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) to open a grounded account where the customer has completed the real name verification procedure through a financial institution visit, and visits the financial institution branch branch (branch branch). Application for opening a preliminary account account (for example, the customer confirms his / her name by visiting a financial institution) through the provided counter (or through a cashier) to establish a base account for which the client has completed the real name verification process by visiting the financial institution. A document with a form for filling in at least one item of information for opening a grounded account which has completed the procedure, wherein the customer is required to seal the transaction of the client for legal basis for the application for opening the grounded account. It is desirable to stamp.

Subsequently, when the customer submits the prepared grounded account opening application to the counter staff, the counter staff scans the grounded account opening application through a predetermined image acquiring device to acquire predetermined image contents, and the predetermined counter terminal. Input (or select) the basis account application information including at least one of the image contents obtained in response to the application for opening the foundation account, at least one of customer information, remote transaction agreement consent information, and recording consent information entered in the foundation account opening application. Correspondingly, the counter terminal transmits the image content and the application for opening the foundation account to the financial institution server 100 provided on the foundation account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 180 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the grounded account opening system as described above, the image acquisition device for acquiring the image content corresponding to the grounded account opening application prepared by the customer, the teller terminal used by the employee and the teller terminal and the financial company server 100 The connecting financial network performs a function of a financial account opening interface for the customer to register application information for opening a foundation account for the establishment of a foundation account for which the customer has completed a real name verification procedure by visiting the financial institution.

The storage medium provided on the ground account opening system according to the present invention includes at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the ground account opening application information provided from the terminal device 195. It is characterized by storing the basis accounting information including the above.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 180 associated with the foundation account opening system in response to the customer. It is preferable to comprise as mentioned above.

For the remote transaction agreement consent information, after the customer visits a financial institution, a financial transaction service using a non-face-to-face channel such as opening a new account using a grounded account opened through the grounded account opening system or writing a telephone fax It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of those skilled in the art, a representative of the financial institution calls the customer and receives consent information for recording a call. It may be made to include more.

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system 180 provided on the foundation account opening system (or associated with the foundation account opening system), wherein The storage medium may be ledger D / B 185 provided in the DBMS on the financial system 180 and / or a predetermined database associated with the ledger D / B 185, whereby the present invention is limited. Not.

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

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

According to an exemplary embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 180. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 180, and / or a program provided in the external system on the financial system 180, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network. It is characterized by.

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

Referring to FIG. 1, when a predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the customer is a financial institution. Acquire image contents corresponding to the application for opening a foundation account prepared by the customer through a predetermined image acquisition device provided in the terminal device 195 to open a foundation account for which a real name verification procedure is completed through a visit, and the foundation account Create (or extract) at least one user interface for inputting (or selecting) evidence account opening application information corresponding to the opening application to the financial institution server 100, and in connection with the interface unit 105. An interface providing unit 110 (or interface providing means) for providing the generated (or extracted) user interface to the terminal device 195 and the terminal head; In operation 195, when the basis account opening application information corresponding to the foundation account opening application is input (or selected) and transmitted through the user interface, the terminal apparatus 195 is transmitted from the terminal device 195 in association with the interface unit 105. An application for opening a foundation account created by the customer through an information receiving unit 115 (or information receiving means) for receiving the application for establishing the foundation account and a predetermined image acquisition device based on the user interface in the terminal device 195. Acquiring and transmitting image content corresponding to the, characterized in that it comprises an image receiving unit 120 (or image receiving means) for receiving the image content corresponding to the foundation account opening application in connection with the interface unit 105 It is done.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105 through the interface unit 105, and then the customer finances the financial institution server 100. When requesting a user interface for opening a grounded account for which a real name verification procedure is completed by visiting an institution, image contents corresponding to the grounded account opening application prepared by the customer through a predetermined image acquisition device included in the terminal device 195. Generate at least one user interface for inputting (or selecting) the foundation account opening application information corresponding to the foundation account opening application and transmitting it to the financial institution server 100 through the financial network; and / Alternatively, the user interface extracted from a predetermined database (not shown) and generated (or extracted) in association with the interface unit 105. And a switch characterized in that it provides to the terminal device 195 through the financial network.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 acquires image contents corresponding to the application for opening a foundation account created by the customer through a predetermined image acquisition device, and opens a foundation account corresponding to the foundation account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the grounded account opening application prepared by the customer through the input, inputting (or selecting) grounded account opening application information corresponding to the grounded account opening application, and transmitting the information to the financial institution server 100. An interface that generates (or extracts) an interface and provides it to the terminal device 195. 'S provider 110 and mubang be omitted, to which the present invention is not limited.

Thereafter, the terminal device 195 inputs (or selects) the basis account opening application information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information through the user interface. The application information for opening the foundation account is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 from the terminal device 195. Characterized in that for receiving the sent account opening application information transmitted.

In addition, the terminal device 195 obtains the image content corresponding to the application for opening the foundation account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network. The image receiving unit 120 receives the image content corresponding to the application for opening the base account in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 acquires image contents corresponding to the application for opening a foundation account created by the customer through a predetermined image obtaining apparatus, and is provided in the terminal apparatus 195 ( Or when the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 may correspond to an application for opening a foundation account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Selecting and transmitting a content to the financial institution server 100 through the financial network, in response to the image receiving unit 120 receives the image content corresponding to the grounded account opening application in connection with the interface unit 105 It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 195 stores image content corresponding to the application for opening a foundation account created by the customer and the basis account opening application information corresponding to the foundation account opening application through the user interface. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the base account opening application and the base account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, if the financial institution server 100 receives the foundation account establishment application information transmitted from the terminal device 195 through the information receiver 115, the received foundation account establishment application information is displayed. Characterized in that the customer is provided with a validation unit 125 (or validation means) for confirming whether the customer satisfies the validity for opening the evidence account that completed the real name verification procedure through a visit to the financial institution.

According to the method of the present invention, the validity confirmation of the grounded account opening application information is matched with the grounded account opening application information in the ledger D / B 185 on the financial system 180 associated with the grounded account opening system; It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (185) on 180).

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and establishes the base account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit 130 (or electronic document generating means) for generating a predetermined electronic account opening application electronic document including the received image content, and the generated basis account opening And an electronic document transmission unit 135 (or electronic document transmission means) for transmitting the application electronic document to the electronic document repository associated with the foundation account opening system.

The electronic document generating unit 130 generates a grounded account opening request electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to an embodiment of the present invention, the electronic document generation unit 130 is an image file including the image content received from the terminal device 195 through the image receiving unit 120 as the customer is a financial institution It is advisable to use the electronic document to apply for the opening of a grounded account to open a grounded account that has completed the real name verification process by visiting.

Alternatively, the electronic document generation unit 130 is included in the grounded account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. The reason that the customer completes the real name verification process by visiting the financial institution with an image file corresponding to the image content including at least one of customer information, remote transaction agreement agreement information, and recording agreement information by watermarking. It is desirable to create an electronic document for the opening of an account for opening an account.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for applying for the opening of a supporting account for opening the supporting account for which the real name verification procedure has been completed by visiting.

Alternatively, the electronic document generation unit 130 is included in the grounded account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one of customer information, remote transaction agreement agreement information, and recording agreement information by a watermarking method, and include a predetermined document file (eg, a PDF file including the generated image content). The client visits a financial institution by creating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is desirable to generate an electronic document for applying for the opening of a grounded account for opening a grounded account that has completed the real name verification process.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the application information for opening the grounded account, or the MHT By generating a web document file, etc.), it is preferable that the customer creates an electronic document for applying for establishing a grounded account for opening a grounded account for which the real name verification procedure is completed through a financial institution visit.

Alternatively, the electronic document generation unit 130 is included in the grounded account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generates image content including at least one of customer information, remote transaction agreement agreement information, and recording agreement information by watermarking, and includes the generated image content and the application for opening the base account. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) And generating an electronic document for requesting to open a grounded account for opening a grounded account for which the customer has completed the real name verification process by visiting a financial institution. It is preferred.

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

The electronic document transmission unit 135 transmits and stores the electronic document creation request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document storage associated with the foundation account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to the financial company server 100 on the foundation account opening system with a predetermined electronic document server 155 and an electronic document D / B 175 through predetermined communication means. When provided externally, the electronic document transmission unit 135 is the electronic document server through the communication means the electronic document server 155 generated by the electronic document generation unit 130, the electronic document server 155 It characterized in that the transmission to.

Here, when the electronic document server 155 and the electronic document D / B 175 are provided outside the foundation account opening system, the electronic document server 155 and the electronic document D / B 175 are 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 foundation account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the foundation account opening system, and the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, a base account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155. The customer information on which the application was opened, and / or financial institution information for transmitting the electronic document opening application, and / or electronic document file format information, and / or the application for opening the reference account, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 performs a real name verification procedure through a visit to a financial institution by the customer through a validity checker 125 of the application for establishing a foundation account received through the information receiver 115. Information for generating the financial account information based on the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the application for opening the evidence account, which is validated, when the validity for the opening of the foundation account is verified. And a generating unit 165 (140) (or information generating means) and an account opening unit 145 (or an account opening means) for opening and processing a financial account under the customer's name including the financial account information. It features.

When the validity of the foundation account opening application information is confirmed by the validity verification unit 125, the information generation unit 165 and 140 may include customer information and remote transaction agreement consent information included in the foundation account opening application information. In addition, the financial account information is generated based on the recording agreement information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the foundation account opened based on the application for opening the foundation account, and when the foundation account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account opening unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system 180 (or checks the customer ledger that is matched with the customer information and is already provided. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the application for opening the grounded account. Through the visit to the financial institution, a predetermined financial account for opening a grounded account for which the real name verification procedure is completed is opened and processed.

According to an embodiment of the present invention, when the financial institution server 100 and the financial system 180 exist in the same system, the account opening unit 145 may be linked with the financial system 180 ledger D / B At 185, it is desirable to create a predetermined ledger containing the financial account information.

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

Referring to FIG. 1, the financial institution server 100 performs a real name verification procedure through a visit to a financial institution by the customer through a validity checker 125 of the application for establishing a foundation account received through the information receiver 115. When the validity for opening the grounded account is authenticated, the baseline account information including at least one of the customer information, the remote transaction agreement consent information, and the recording consent information included in the validity-based foundation account application information is determined. And an information storage unit 150 (or information storage means) for storing in the storage medium.

When the validity of the foundation account opening application information is confirmed by the validity verification unit 125, the information storage unit 150 records the customer information and the remote transaction agreement consent information and recording included in the foundation account opening application information. And storing the base account information including at least one agreement information on the storage medium.

According to an exemplary embodiment of the present invention, when the storage medium is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may receive the received basis. It is preferable to store the account information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the account opening application information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system 180, the information storage unit 150 includes the customer information included in the received ground account opening application information. It is preferable to provide the account information including at least one of the remote transaction agreement agreement information and the recording agreement information to the information system through the external system on the financial system 180 and to store it in the DBMS provided on the financial system 180. Do.

Referring to FIG. 1, an electronic document received from a financial institution server 100 provided on the grounded account opening system, and stored and managed in a predetermined electronic document D / B 175 is provided. The document server 155 includes an electronic document receiving unit 160 (or electronic document receiving unit) for receiving a predetermined opening account application electronic document from the financial institution server 100 through a predetermined communication unit, and the received basis. An information generating unit 165 (140) (or information generating means) for generating predetermined electronic document management information for storing and managing an account opening request electronic document in the electronic document D / B 175; And an electronic document storage unit 170 (or electronic document storage means) configured to link management information with the electronic document opening request electronic document and store it in a predetermined electronic document D / B 175.

The electronic document receiving unit 160 may receive an electronic document establishment request electronic document in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

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

Alternatively, the electronic document receiving unit 160 requests to open the ground based account received through the communication means, the financial institution server 100 requests to open the ground account to the image content received from the terminal device 195. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, remote transaction agreement agreement information, recording agreement information included in the information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the basis account opening application electronic document received through the communication means, the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document receiving unit 160 receives the electronic account establishment request electronic document from the financial institution server 100 in the image content received from the terminal device 195 in the electronic account receiving application information. A predetermined document file (eg, a Portable Document Format (PDF) file) containing image content including at least one or more of customer information, remote transaction agreement consent information, and recording agreement information included in a watermarking manner, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives the basis account opening application electronic document received through the communication means, the image being received by the financial institution server 100 from the terminal device 195. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing contents and application information for opening the base account; Or a web document file including the MHT).

Alternatively, the electronic document receiving unit 160 receives the electronic account establishment request electronic document from the financial institution server 100 in the image content received from the terminal device 195 in the electronic account receiving application information. Image content including at least one or more of the included customer information, remote transaction agreement agreement information, and recording agreement information by watermarking, and a predetermined document file (for example, PDF ( A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 165 and 140 may include a predetermined electronic document unique number (or unique information) to be assigned to the base account opening request electronic document received through the electronic document receiving unit 160, and the electronic document receiving unit 160. Generating electronic document management information including electronic document archiving date and time information including a date and time (or a date and time at which the base account opening application electronic document was stored) when the electronic document opening application electronic document was received. It features.

According to an exemplary embodiment of the present invention, the information generating unit 165 and 140 may refer to the financial company server 100 that has transmitted the electronic document opening request electronic document received through the electronic document receiving unit 160. It is preferable to check the financial institution that has sent the electronic document opening application request document and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160, the information generating unit 165 and 140 may be used. Received electronic document-related information (e.g., customer information on which the application for opening a foundation account corresponding to the image content is made, and / or financial institution information for transmitting the foundation account opening application electronic document, and / or electronic document file format information, And / or the application for opening the base account, etc.).

The electronic document storage unit 170 processes the electronic document management information generated through the information account opening application request electronic document received through the electronic document receiving unit 160 and the information generating unit 165 and 140 in a predetermined manner. Characterized in that stored in the electronic document D / B (175).

According to an exemplary embodiment of the present invention, the financial institution server 100 requests the electronic device storage unit 170 to store the electronic account storage unit 170 in the electronic document D / B 175. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the electronic document storage unit 170 stores the electronic account D / B 175 in the request for opening a document based on the image content received by the financial institution server 100 from the terminal device 195. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, the remote transaction agreement agreement information, the recording agreement information included in the application for opening the foundation account by watermarking method. .

According to another exemplary embodiment of the present invention, the financial institution server 100 may request that the electronic company storage unit 170 store the electronic account storage unit 170 in the electronic document D / B 175. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, the electronic document storage unit 170 stores the electronic account D / B 175 in the request for opening a document based on the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, PDF (Portable) containing image content including at least one or more information among customer information, remote transaction agreement agreement information, and recording agreement information included in the application for opening a foundation account by watermarking. 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 exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic account D / B in the electronic document opening request application electronic document, the financial company server 100, the terminal device 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 image contents received from the 195 and the application for opening the base account. Or a web document file including the MHT).

Alternatively, the electronic document storage unit 170 stores the electronic account D / B 175 in the request for opening a document based on the image content received by the financial institution server 100 from the terminal device 195. Predetermined documents including image contents including at least one of customer information, remote transaction agreement agreement information, and recording agreement information included in the application for opening a foundation account by watermarking, and the application for opening the foundation account. A 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.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the electronic document opening request electronic document is stored in the electronic account opening. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in connection with the application for establishing an opening account is the basis account. The financial institution server 100 that has transmitted the opening application electronic document may preferably further include information on the financial institution that has transmitted the founding account opening application electronic document.

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

FIG. 2 is a diagram illustrating an implementation method in which a storage medium for storing foundation account information corresponding to a foundation account opened in a face-to-face manner is provided in a DBMS on the financial system 180 according to one embodiment of the present invention.

In more detail, FIG. 2 shows the storage medium shown in FIG. 1 when the ledger D / B 185 included in the DBMS on the financial system 180 or the ledger D / B 185 is provided. An information structure for an exemplary embodiment of storing the base account information in the ledger information provided in the ledger D / B 185 is shown in the drawings. By referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the base account information in the ledger D / B 185, but the present invention includes all the inferred implementation methods. It is not limited only 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 185 provided in the DBMS on the financial system 180 is linked to a predetermined customer ledger, and the customer ledger The account ledger corresponding to the financial account opened through the opening account opening system shown in FIG. 1 and at least one information associated with the account ledger are included, which is a general knowledge in the technical field to which the present invention pertains. If the person has, the ledger D / B 185 provided in the DBMS on the financial system 180 has at least one ledger (for example, receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 2, which includes an implementation method provided in the ledger D / B 185 or the ledger D / B 185 according to an embodiment of the present invention, FIG. In the form of additional information added to the account ledger, evidence account information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the evidence account opening application information provided through the illustrated evidence account opening system. Characterized in that it is stored.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 180 associated with the foundation account opening system in response to the customer. It is preferable to comprise as mentioned above.

For the remote transaction agreement consent information, after the customer visits a financial institution, a financial transaction service using a non-face-to-face channel such as opening a new account using a grounded account opened through the grounded account opening system or writing a telephone fax It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of a person skilled in the art, consent information for recording a call after the person in charge of the financial institution calls the customer. It may be made to include more.

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

3 is a storage medium for storing the base account information corresponding to the base account opened in a face-to-face in accordance with another embodiment of the present invention is linked with the ledger D / B 185 provided in the DBMS on the financial system 180 A diagram showing an implementation method including a compiled database.

In more detail, FIG. 3 shows an information structure of an embodiment in which the storage medium shown in FIG. 1 includes a predetermined database linked to the ledger D / B 185 provided in the DBMS on the financial system 180. 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 3 to process the linking account information with the ledger D / B 185 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

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

In addition, the database shown in FIG. 3 does not have to be provided on the DBMS provided on the financial system 180 as in the embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium includes a database associated with the ledger D / B 185 provided in the DBMS on the financial system 180. And storing the base account information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the application for opening. The base account information is stored in the ledger D / B 185. It is preferable that the base account information further includes a CIF number corresponding to the ledger information to be linked.

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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 180 associated with the foundation account opening system in response to the customer. It is preferable to comprise as mentioned above.

For the remote transaction agreement consent information, after the customer visits a financial institution, a financial transaction service using a non-face-to-face channel such as opening a new account using a grounded account opened through the grounded account opening system or writing a telephone fax It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of those skilled in the art, a representative of the financial institution calls the customer and receives consent information for recording a call. It may be made to include more.

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

In more detail, FIG. 4 shows that the storage medium shown in FIG. 1 is provided in a predetermined banking server 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 provided in the DBMS that is provided, if one of ordinary skill in the art to which the present invention pertains, a predetermined DBMS provided in at least one banking server by referring to and / or modifying the figure 4 It is possible to infer the information configuration method for the base account information stored in the present invention, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the application for opening a base account. And storing the base account information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement 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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 180 associated with the foundation account opening system in response to the customer. It is preferable to comprise as mentioned above.

For the remote transaction agreement consent information, after the customer visits a financial institution, a financial transaction service using a non-face-to-face channel such as opening a new account using a grounded account opened through the grounded account opening system or writing a telephone fax It is preferable to include consent information according to the use.

The recording agreement information is a voice call generated between the customer and the financial institution when the non-face-to-face channel is a method using a telephone when the client requests the financial institution using a non-face-to-face channel. It is desirable to include consent information for recording.

In addition, when the customer applies for a financial transaction service through a non-face-to-face channel using a fax or the like according to the intention and purpose of those skilled in the art, a representative of the financial institution calls the customer and receives consent information for recording a call. It may be made to include more.

5A and 5B are diagrams illustrating a process of opening a grounded account for establishing a grounded account in which a customer completes a real name verification procedure by visiting a financial institution in a face-to-face manner according to one embodiment of the present invention.

5A and 5B show the terminal device 195 on the foundation account opening system shown in FIG. 1 at a financial institution branch (or branch office), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 180 linked to a counter terminal through a financial network, a predetermined customer opens a grounded account in which a customer completes a real name verification procedure by visiting a financial institution. In order to open a grounded account for a client, a bank account opening application form including at least one of customer information, remote transaction agreement consent information, and recording consent information is prepared and submitted. A system configuration for opening and processing a grounded account, specifically, the customer prepares the grounded account opening application form and submits it to the counter. If the window terminal acquires a predetermined image content corresponding to the foundation account opening application through a predetermined image acquisition device, transmits the predetermined image content to the financial institution server 100, and establishes a foundation account corresponding to the foundation account opening application. When the application information is input (or selected) and transmitted to the financial institution server 100, the financial institution server 100 requests the establishment of the grounded account including at least one of the customer information, the remote transaction agreement consent information, and the recording consent information. The implementation method of opening and processing the base account based on the information is shown.

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

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

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

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

Referring to FIGS. 5A and 5B, the basis for a given customer including at least one of customer information, remote transaction agreement agreement information, and recording agreement information for opening a base account where a customer completes the real name verification process by visiting a financial institution. After completing and submitting an application for opening an account, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects to a predetermined communication channel. If a request is made for a user interface for opening a grounded account for which a real name verification procedure is completed through a visit (500), in response, the server responds to the grounded account opening application prepared by the customer through a predetermined image acquisition device in the terminal. Generate (or extract) a user interface for obtaining and transmitting predetermined image content to the server (5); 05) and transmits the generated (or extracted) user interface to the terminal through the financial network (510).

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

If image contents corresponding to the application for opening a bank account are acquired through the image acquisition device (520), the terminal transmits the obtained image contents to the server through the financial network (525).

Thereafter, the server inputs (or selects) the foundation account opening application information including at least one of customer information, a remote transaction agreement agreement information, and a recording agreement information corresponding to the foundation account opening application matched with the image content. A user interface for transmitting to the terminal is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) basis account opening application information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information through the user interface (540).

If the application information for opening the foundation account including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information is input (or selected) through the user interface (545), the terminal is connected to the financial network. In step 550, the application information for opening the foundation account opened (or selected) is transmitted to the server.

Thereafter, the server confirms the validity of the foundation account opening application information by receiving and reading the foundation account opening application information including at least one of the customer information, the remote transaction agreement consent information, and the recording consent information through the financial network. (555).

According to the method of the present invention, the validity confirmation of the grounded account opening application information is matched with the grounded account opening application information in the ledger D / B 185 on the financial system 180 associated with the grounded account opening system; It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (185) on 180).

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

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

According to an exemplary embodiment of the present invention, the server uses the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, the customer visits a financial institution as a real name verification procedure. It is preferable to process the electronic document to apply for the opening of a grounded account for opening the grounded account.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Evidence for establishing a baseline account for which the client has completed the real-name verification process by visiting a financial institution with an image file corresponding to the image content including at least one of consent information and recording consent information in a watermarking manner. It is desirable to create an account opening request electronic document.

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

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Generating an image content including at least one information of the consent information and the recording consent information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to generate an electronic document for applying for the opening of a grounded account for opening the grounded account.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the base account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is desirable for the customer to generate an electronic document for applying for establishing a grounded account for opening a grounded account for which the real name verification procedure is completed by visiting a financial institution.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. A predetermined document file (eg, PDF) is generated that generates image contents including at least one of consent information and recording consent information in a watermarking manner, and includes the generated image contents and the application for opening the foundation account. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for applying for the opening of a supporting account for opening the supporting account for which the real name verification procedure has been completed by visiting.

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

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

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 connected to a server on the foundation account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated account opening request electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the foundation account opening system, the server sends the generated basis account opening application electronic document to an electronic document storage on a DBMS provided in the foundation account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, the storing of the grounded account opening request electronic document in the electronic document storage is shown in FIG. 1 by linking the generated grounded account opening application electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (175).

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

The electronic document management information may further include financial institution information that transmits the electronic document opening application electronic document.

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

If the electronic document opening request electronic document is stored in the electronic document storage (580), the server is based on the customer information, remote transaction agreement agreement information, recording agreement information contained in the evidence account opening application information based on the financial account Generate information (585).

Herein, the financial account information may include an account number and an interest rate information corresponding to the foundation account opened based on the application for opening the foundation account, and when the foundation account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 180 to include the financial account information based on the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the foundation account opening application information. Open and process a financial account (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 180 (or a customer provided with matching customer information). Confirm the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the grounded account; It is characterized in that the customer opens a predetermined financial account for the establishment of a grounded account that completes the real name verification procedure through a visit to a financial institution.

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

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

Thereafter, the server generates base account information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the base account opening application information, and stores the base account information in a predetermined storage medium (595).

According to an embodiment of the present invention, when the storage medium is provided in the server or on the network associated with the server, the server remotely stores the customer information included in the received base account application information. It is preferable to store the base account information including at least one of transaction agreement consent information and recording agreement information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system 180, the server agrees to the remote transaction agreement with the customer information included in the received base account opening application information. It is preferable to provide the account information including at least one information and recording consent information as an information system through an external system on the financial system 180 and store the information in the DBMS provided on the financial system 180.

Subsequently, the server may set predetermined financial account opening history information (eg, the opening account opening history, and / or the history of storing the opening account opening application electronic document in the electronic document repository, and / or the ground on the storage medium). The details of storing the account opening application information) are generated (or extracted) and transmitted to the terminal (599).

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system 180 provided on the foundation account opening system (or associated with the foundation account opening system), wherein The storage medium may be ledger D / B 185 provided in the DBMS on the financial system 180 and / or a predetermined database associated with the ledger D / B 185, whereby the present invention is limited. Not.

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

6A and 6B illustrate a process of opening a grounded account for establishing a grounded account in which a customer completes a real name verification procedure by visiting a financial institution in a face-to-face manner according to another embodiment of the present invention.

6a and 6b show a terminal terminal in which a terminal device 195 on the foundation account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 180 linked to a counter terminal through a financial network, a predetermined customer opens a grounded account in which a customer completes a real name verification procedure by visiting a financial institution. In order to open a grounded account for a client, a bank account opening application form including at least one of customer information, remote transaction agreement consent information, and recording consent information is prepared and submitted. A system configuration for opening and processing a grounded account, specifically, the customer prepares the grounded account opening application form and submits it to the counter. In response, the window terminal inputs (or selects) the foundation account opening application information corresponding to the foundation account opening application to the financial institution server 100 and transmits the basis to the foundation account opening application through a predetermined image acquisition device. Obtaining predetermined image content and transmitting the predetermined image content to the financial institution server 100, the financial institution server 100 requests the opening of the basis account including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information. The implementation method of opening and processing the base account based on the information is shown.

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

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

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

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

Referring to FIGS. 6A and 6B, the basis for a given customer including at least one of customer information, remote transaction agreement agreement information, and recording agreement information for the establishment of a grounded account for which the customer completed the real name verification process by visiting the financial institution. After completing and submitting an application for opening an account, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects to a predetermined communication channel. If a request is made for a user interface for opening a grounded account for which a real name verification procedure has been completed through visits (600), the server corresponding to the client information, remote transaction agreement consent information, and recording corresponding to the grounded account opening application prepared by the customer Input (or select) application information for opening a foundation account including at least one consent information and transmit the information to the server. Generates (or extracts) a user interface 605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) basis account opening application information including at least one of the customer information, remote transaction agreement agreement information, and recording agreement information through the user interface (615).

If the application information for opening the foundation account including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information is input (or selected) through the user interface (620), the terminal is connected to the financial network. In step 625, the application information for opening the foundation account opened (or selected) is transmitted to the server.

Thereafter, the server confirms the validity of the foundation account opening application information by receiving and reading the foundation account opening application information including at least one of the customer information, the remote transaction agreement consent information, and the recording consent information through the financial network. (630).

According to the method of the present invention, the validity confirmation of the grounded account opening application information is matched with the grounded account opening application information in the ledger D / B 185 on the financial system 180 associated with the grounded account opening system; It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (185) on 180).

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

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

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

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

In operation 670, the server receiving the foundation account establishment request information and the image content from the terminal generates a predetermined foundation account establishment request electronic document including the image content.

According to an exemplary embodiment of the present invention, the server uses the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, the customer visits a financial institution as a real name verification procedure. It is preferable to process the electronic document to apply for the opening of a grounded account for opening the grounded account.

Alternatively, the server may include customer information and remote transaction included in the application for establishing a foundation account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Evidence for establishing a baseline account for which the client has completed the real-name verification process by visiting a financial institution with an image file corresponding to the image content including at least one of agreement agreement information and recording agreement information by watermarking. It is desirable to create an account opening request electronic document.

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

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Generating an image content including at least one information of the consent information and the recording consent information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for the opening of a grounded account for completing the grounded account.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the base account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is desirable for the customer to generate an electronic document for applying for establishing a grounded account for opening a grounded account for which the real name verification procedure is completed by visiting a financial institution.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. A predetermined document file (eg, PDF) is generated that generates image contents including at least one of consent information and recording consent information in a watermarking manner, and includes the generated image contents and the application for opening the base account. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for applying for the opening of a supporting account for opening the supporting account for which the real name verification procedure has been completed by visiting.

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

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

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 connected to a server on the foundation account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated account opening request electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the foundation account opening system, the server sends the generated basis account opening application electronic document to an electronic document storage on a DBMS provided in the foundation account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, the storing of the grounded account opening request electronic document in the electronic document storage is shown in FIG. 1 by linking the generated grounded account opening application electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (175).

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

The electronic document management information may further include financial institution information that transmits the electronic document opening application electronic document.

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

If the electronic document storage application electronic document is stored in the electronic document storage (680), the server is based on the customer information, the remote transaction agreement agreement information, the recording agreement information contained in the application for opening the foundation account the financial account Generate information (685).

Herein, the financial account information may include an account number and an interest rate information corresponding to the foundation account opened based on the application for opening the foundation account, and when the foundation account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 180 to include the financial account information based on the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the foundation account opening application information. Open and process a financial account (690).

According to an embodiment of the present invention, the server is connected to the financial system 180 to generate a customer ledger including customer information included in the application for opening a financial account (or matched with the customer information, and is provided in advance. Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, In response, the customer may open and process a predetermined financial account for opening a grounded account for which a real name verification procedure is completed by visiting a financial institution.

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

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

Thereafter, the server generates base account information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the base account opening application information, and stores the base account information in a predetermined storage medium (695).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server remotely deals with the customer information included in the received base account opening application information. It is preferable to store the base account information including at least one of agreement agreement information and recording agreement information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system 180, the server agrees to the remote transaction agreement with the customer information included in the received base account opening application information. It is preferable to provide the account information including at least one information and recording consent information as an information system through an external system on the financial system 180 and store the information in the DBMS provided on the financial system 180.

Subsequently, the server may set predetermined financial account opening history information (eg, the opening account opening history, and / or the history of storing the opening account opening application electronic document in the electronic document repository, and / or the ground on the storage medium). Details of storing the account opening application information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system 180 provided on the foundation account opening system (or associated with the foundation account opening system), wherein The storage medium may be ledger D / B 185 provided in the DBMS on the financial system 180, and / or a predetermined database associated with the ledger D / B 185, whereby the present invention It is not limited.

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

7A and 7B illustrate a process of opening a grounded account for establishing a grounded account in which a customer completes a real name verification procedure by visiting a financial institution in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 195 on the foundation account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 180 linked to a counter terminal through a financial network, a predetermined customer opens a grounded account in which a customer completes a real name verification procedure by visiting a financial institution. In order to open a grounded account for the bank, the applicant may prepare and submit a grounded account opening application including at least one of customer information, remote transaction agreement consent information, and recording consent information. In this regard, the present invention relates to a system for opening and processing a grounded account. When the counter terminal acquires a predetermined image content corresponding to the foundation account opening application through a predetermined image acquisition device, inputs (or selects) the foundation account opening application information corresponding to the foundation account opening application. And transmitting the image contents and the application for opening the foundation account to the financial institution server 100, wherein the financial institution server 100 includes at least one of the customer information, the remote transaction agreement consent information, and the recording consent information. It shows an implementation method of opening and processing the base account based on the account opening application information.

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

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

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

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

Referring to FIGS. 7A and 7B, the basis for a given customer including at least one of customer information, remote transaction agreement agreement information, and recording agreement information for opening a grounded account where the customer has completed the real name verification process by visiting a financial institution. After completing and submitting an application for opening an account, the window terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects to a predetermined communication channel. When requesting a user interface for opening a grounded account for which a real name verification procedure is completed through a visit (700), in response, the server inputs the grounded account opening application information corresponding to the grounded account opening application prepared by the customer in the terminal. (Or select) a predetermined image controller corresponding to the application for opening the foundation account through a predetermined image acquisition device. A user interface for obtaining and transmitting a content is generated (or extracted) for transmitting to the server (705), and the generated (or extracted) user interface is transmitted to the terminal for output through the financial network (710).

Thereafter, the terminal inputs (or selects) basis account opening application information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information through the user interface (715).

If the application information for opening the foundation account including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information is input (or selected) through the user interface (720), the terminal is based on the user interface. An image content corresponding to the foundation account opening application is obtained through a predetermined image acquisition device (725).

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

Thereafter, the server confirms the validity of the foundation account opening application information by receiving and reading the foundation account opening application information including at least one of the customer information, the remote transaction agreement consent information, and the recording consent information through the financial network. 740.

According to the method of the present invention, the validity confirmation of the grounded account opening application information is matched with the grounded account opening application information in the ledger D / B 185 on the financial system 180 associated with the grounded account opening system; It is preferable to include checking whether at least one ledger information is registered.

For example, the validity confirmation of the application for opening the foundation account includes the financial system in which the customer information (customer personal information or member information, etc.) is linked to the foundation account opening system among information included in the foundation account opening application information ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (185) on 180).

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

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

According to an exemplary embodiment of the present invention, the server uses the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, the customer visits a financial institution as a real name verification procedure. It is preferable to process the electronic document to apply for the opening of a grounded account for opening the grounded account.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Evidence account for the establishment of a basis account for which the customer has completed the real-name verification process by visiting the financial institution with an image file corresponding to the image content including at least one of consent information and recording consent information in a watermarking manner. It is desirable to create an electronic application.

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

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. Generating an image content including at least one information of the consent information and the recording consent information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to generate an electronic document for applying for the opening of a grounded account for completing the grounded account.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the base account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is desirable for the customer to generate an electronic document for applying for establishing a grounded account for opening a grounded account for which the real name verification procedure is completed by visiting a financial institution.

Alternatively, the server may include the customer information and the remote transaction agreement included in the application for opening the base account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. A predetermined document file (eg, PDF) is generated that generates image contents including at least one of consent information and recording consent information in a watermarking manner, and includes the generated image contents and the application for opening the foundation account. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for applying for the opening of a supporting account for opening the supporting account for which the real name verification procedure has been completed by visiting.

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

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

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 connected to a server on the foundation account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated account opening request electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the foundation account opening system, the server sends the generated basis account opening application electronic document to an electronic document storage on a DBMS provided in the foundation account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, the storing of the grounded account opening request electronic document in the electronic document storage is shown in FIG. 1 by linking the generated grounded account opening application electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (175).

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

The electronic document management information may further include financial institution information that transmits the electronic document opening application electronic document.

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

If the electronic document storage application electronic document is stored in the electronic document storage (765), the server is based on the customer information, remote transaction agreement agreement information, recording agreement information contained in the evidence account opening application information based on the financial account Generate information (770).

Herein, the financial account information may include an account number and an interest rate information corresponding to the foundation account opened based on the application for opening the foundation account, and when the foundation account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 180 to include the financial account information based on the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the foundation account opening application information. A financial account is opened and processed (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 180 (or a customer provided with matching customer information). Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby responding to the application for opening the grounded account; It is characterized in that the customer opens a predetermined financial account for the establishment of a grounded account that completes the real name verification procedure through a visit to a financial institution.

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

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

Thereafter, the server generates base account information including at least one of the customer information, the remote transaction agreement agreement information, and the recording agreement information included in the base account opening application information, and stores the base account information in a predetermined storage medium (780).

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network associated with the server, the server remotely deals with the customer information included in the received base account opening application information. It is preferable to store the supporting account information including at least one of agreement agreement information and recording agreement information in the storage medium.

According to another exemplary embodiment of the present invention, when the storage medium is provided in the DBMS provided on the financial system 180, the server agrees to the remote transaction agreement with the customer information included in the received base account opening application information. It is preferable to provide the account information including at least one information and recording consent information as an information system through an external system on the financial system 180 and store the information in the DBMS provided on the financial system 180.

Subsequently, the server may set predetermined financial account opening history information (eg, the opening account opening history, and / or the history of storing the opening account opening application electronic document in the electronic document repository, and / or the ground on the storage medium). The details of storing the account opening application information) are generated (or extracted) and transmitted to the terminal (785).

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system 180 provided on the foundation account opening system (or associated with the foundation account opening system), wherein The storage medium may be ledger D / B 185 provided in the DBMS on the financial system 180 and / or a predetermined database associated with the ledger D / B 185, whereby the present invention is limited. Not.

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

8 is a view showing a connection account opening system for opening a connection account applied using a remote means according to an embodiment of the present invention.

In more detail, Figure 8 shows that a predetermined customer requests a connection account for opening a connection account that is requested by using a remote means through a face-to-face virtual account opening interface, and a predetermined customer in the connection account opening system according to the present invention. A system for setting up a linked account using a base account opened in the name of a parent, and specifically, by a means such as telephone or fax to a teller (or a representative) of a financial institution where the customer opens the linked account. When requesting to open a virtual account having a predetermined base account as the parent account, the teller (or a responsible staff member) provides predetermined virtual account opening application information corresponding to the virtual account opening application through a predetermined employee terminal 865. In the connected account opening system according to the present invention, the virtual means for opening the application information to the customer the remote means This section describes how to open a linked account for opening a linked account.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for the configuration of a connection account opening system for opening a connection account by using a remote means by referring to and / or modifying the drawing 8. 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, those skilled in the art to which the present invention pertains, when requesting to open a connection account via telephone or fax for opening the connection account with reference to and modifying this figure 8, the connection account for opening the connection account An application for an establishment may be prepared by an employee, and may be prepared by a customer and provided to the financial institution, or may be provided by a customer by means of a fax or the like, and the present invention is not limited thereto.

In addition, if a person having ordinary knowledge in the technical field to which the present invention pertains, the linked account established by referring to and modifying the drawing 8 is opened as a real account linked to the base account, not a virtual account having the base account as the parent account. In addition, this invention is not limited by this.

Hereinafter, based on the virtual account opening application information provided from the customer through a predetermined virtual account opening interface on the connection account opening system shown in FIG. 8, a predetermined connection account of the customer name corresponding to the connection account opening target is provided. Components corresponding to at least one or more means and / or functional configurations of opening are referred to as " virtual account opening server 800 " for convenience.

Referring to this figure 8 according to the implementation method of the present invention, a connection account opening system for opening a connection account applied using the remote means, the employee terminal used by the teller (or staff) at least one financial institution Characterized in that it comprises a (865), the employee terminal 865 is connected to the communication channel and the virtual account opening server 800 provided on the connection account opening system through a predetermined communication network.

According to one embodiment of the present invention, the customer contacts the financial institution by telephone or fax to establish a connection account applied using the remote means, through a window provided at the financial institution (or a teller (or Person in charge)) A form for filling in at least one information item for opening a linked account (for example, a linked account open using a remote means) is provided for opening a linked account applied using the remote means. Completed documents) through the counter clerk (or responsible clerk) (or the clerk accounted by the clerk (or clerk) by telephone or fax to the customer by using the remote means) The application for opening a predetermined virtual account for the opening of the application) and the clerk ( Or a clerk), the teller (or clerk) inputs (or selects) the information entered in the virtual account opening application through a predetermined clerk terminal 865, and the clerk terminal 865 Preferably, the input (or selected) information is transmitted to the virtual account opening server 800 provided on the connection account opening system through the communication network.

Here, the employee terminal 865 preferably comprises a terminal used by the teller (or staff in charge) provided in the financial institution, the virtual account opening server 800 connected to the employee terminal 865 is It is preferable to include a ledger server provided on the financial system 855, the connection account is opened, the communication network connecting the employee terminal 865 and the virtual account opening server 800 is the employee terminal 865 ) And the current network for connecting the communication channel between the virtual account opening server 800.

In the linked account opening system as described above, an application for opening a virtual account created by a teller (or a clerk) at the request of the customer, an employee terminal 865 used by the teller (or a clerk), and the employee The communication network connecting the terminal 865 and the virtual account opening server 800 has a function of a virtual account opening interface for registering virtual account opening application information for opening a connection account requested by the customer using the remote means. Conduct.

A financial institution that opens a linked account for opening a linked account applied to the predetermined customer by using the remote means at the request of the customer may request at least one financial transaction (eg, credit, receiving, foreign exchange) to at least one financial transaction customer. , Financial investment, etc.) is provided with a predetermined financial system 855 to provide a service.

The financial system 855 provided in the financial institution includes at least one or more employee terminals 865 provided at branches (and / or sales offices) of the financial institution and a predetermined communication network (for example, a corporate network or the like). Or a wired or wireless telephone network for fax connection, or a wired or wireless internet network for connecting the Internet, etc.), and faces at least one financial transaction customer through the employee terminal 865. It provides a financial transaction service of the scheme, wherein the financial transaction service is preferably made by including a financial transaction service for opening a connection account applied by using the remote means through the opening and operation of the linked account.

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 affiliated with the financial institution. At least one financial terminal provided in at least one other financial institution (and / or another financial institution branch), and / or at least one financial terminal provided in a public place and a predetermined communication network (eg, CD common network) And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal, wherein the financial transaction service uses the remote means through opening and operating the linked account. It is desirable to include a financial transaction service for opening a consolidation account.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with access and browsing functions, and the financial transaction service may be configured to open and operate the linked account. It is desirable to include financial transaction services for opening a consolidation account by means of means. .

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

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

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smart phone, etc., wherein the financial transaction service opens a connection account applied using the remote means through opening and operating the connection account. It is desirable to include a financial transaction service for the purpose.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides a non-face-to-face financial transaction service to at least one financial transaction customer, and the financial transaction service provides a financial transaction service for opening a linked account applied using the remote means through opening and operating the linked account. It is preferable to include.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal, etc., wherein the financial transaction service opens a connection account requested by using the remote means through opening and operating the connection account. It is desirable to include financial transaction services.

Referring to FIG. 8, the financial system 855 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An information system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch information support, and customer information management; Interconnection between the financial system 855 and at least one other financial system 855 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g. Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) the financial system (85) 5) an external system providing access to and / or various financial transaction interfaces through at least one or more common networks (eg, CD common network, financial common network), and also the financial system 855. ) Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (eg, ledger information, and / Or customer information, and / or management information, etc.) is characterized by comprising a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing.

In addition, the financial system 855 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 855 and the purpose of the financial system 855. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical matters of the financial system 855, and 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 855, the financial institution opens at least one financial account to at least one financial transaction customer, and based on the financial account at least one financial transaction service And a ledger D / B on the financial system 855 for storing at least one ledger for providing, wherein the ledger D / B on the financial system 855 is provided by the financial institution to the financial transaction customer. At least one or more ledger information (e.g., customer ledger, ledger, collateral ledger, etc.) for the processing of at least one financial transaction, and corresponding to each ledger information (e.g., attributes / functions of each ledger) And / or at least one supplementary ledger additional information is stored in a relational manner. do.

Those skilled in the art to which the present invention pertains may include at least one or more provided in the ledger D / B on the financial system 855 according to the type of each financial institution and the purpose and characteristics of the financial system 855. Not only are they familiar with ledger information and at least one ledger additional information corresponding to each ledger information, but each ledger information is stored in a relational manner and / or predetermined ledger information and at least one ledger addition As it will be appreciated that information is stored in a relational manner, detailed description thereof will be omitted for convenience.

The virtual account opening server 800 provided on the connection account opening system according to the present invention is a generic term for the component of the connection account opening system side connected to the employee terminal 865 through a predetermined communication network, and includes at least one or more components. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the virtual account opening server 800 includes an interface unit 815 (or interface means) for providing a predetermined virtual account opening interface to the employee terminal 865 through the communication network. Characterized in that made.

According to an exemplary embodiment of the present invention, when the employee terminal 865 is an employee terminal 865 connected to a predetermined communication network, the interface unit 815 is based on the protocol stack defined in the communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a communication channel 865 and a predetermined communication channel and using a communication protocol defined in a connection account opening program included in the employee terminal 865. Do.

Referring to FIG. 8, the virtual account opening server 800 may be connected to the interface unit 815 when a predetermined employee terminal 865 is connected to the virtual account opening server 800 through the interface unit 815. Interface providing unit that generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined virtual account opening application information from the employee terminal 865 in connection with the employee terminal 865 ( 820 (or an interface providing means) and interworking with the interface unit 815 to receive predetermined virtual account opening request information transmitted from the employee terminal 865 through the user interface (or selected). In response to the information receiving unit 825 (or information receiving means) and the received virtual account opening application information, confirm the base account information corresponding to the mother account included in the virtual account opening application information. For example, when the information confirmation unit 830 (or information confirmation means) confirming the remote transaction agreement agreement information and the base account information based on the received virtual account opening application information are included in the remote transaction agreement agreement information, An information generating unit (or information generating means) for generating predetermined virtual account ledger information corresponding to the linked account to be opened to the customer, and the basis linked to the linked account in the ledger D / B on the financial system 855 And an information storage unit 840 (or information storage means) for storing the generated virtual account ledger information in association with the account ledger of the financial account corresponding to the account.

In addition, the virtual account opening server 800 is a fax data receiving unit 805 (or fax data receiving means) for receiving the fax data for the fax document (or fax electronic document) sent through the customer's fax terminal, When receiving a fax from a customer's fax terminal, the information providing unit 810 (or information providing means) that provides whether or not the fax is received to the terminal of the teller (or the clerk) and the teller (or the clerk) In a voice call with the customer, a voice data receiver 845 (or voice data receiving means) for receiving the voice call data and the received voice data are recognized to confirm whether the voice of the customer is present, and the customer If the voice of the negative, the transaction authentication processing unit 850 (or transaction authentication processing means) for processing the authentication of the customer, and the customer whose authentication is confirmed, the basis account corresponding to the parent account In the case of requesting the opening of the linked account, the information checking unit 830 confirms whether or not the recording agreement information is included in the supporting account information corresponding to the mother account, and when the recording agreement is received by the customer, An information storage unit for storing voice data in a storage medium 860 by cooperative processing with the customer information about the customer, or storing the received fax data in a storage medium 860 by cooperatively processing the received fax data with the customer information about the customer. 840 is further provided.

The interface providing unit 820 corresponds to a functional configuration provided in the employee terminal 865 when a predetermined employee terminal 865 is connected to the virtual account opening server 800 through the interface unit 815. Generate a predetermined user interface capable of inputting (or selecting) the virtual account opening application information and transmitting it to the virtual account opening server 800 through the communication network, and / or extracting from a predetermined database (not shown) In addition, the user interface 865 may be provided to the employee terminal 865 through the communication network.

Thereafter, the employee terminal 865 inputs (or selects) the virtual account opening request information based on the user interface, and opens the virtual account opening request information on the input (or selected) through the communication network. Send to server 800.

According to an embodiment of the present invention, when the employee terminal 865 is a staff terminal 865 connected to a predetermined communication network, the interface providing unit 820 is a connection account opening program provided in the staff terminal 865. 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 employee terminal 865 through the interface unit 815.

The information receiving unit 825 inputs (or selects) predetermined virtual account opening application information through the user interface in the employee terminal 865 and transmits the information through the communication network. And receiving the virtual account opening application information, and providing the received virtual account opening application information to the information generating unit.

According to an embodiment of the present invention, the virtual account opening application information includes customer information requesting the customer to open a connection account applied using the remote means (eg, telephone, fax, etc.), the customer information, and the virtual. It is preferable that the base account information corresponding to the mother account linked to the account and at least one or more financial information requested to join.

Here, the customer information requesting the establishment of a connection account applied to the customer by using the remote means may include 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, Member information of the customer (e.g., in the customer ledger provided on the financial system 855 associated with the foundation account opening system in response to the customer by the customer signing up as a financial transaction customer of the financial institution) And at least one member ID information, a CIF (Customer Information File) number, or the like).

Further, the base account information associated with the virtual account is information corresponding to a base account corresponding to a real account linked to the linked account of the customer's name at the request of the customer, and the ledger D / on the financial system 855. It is preferable to include at least one or more of the account number and account holder information, etc. for the base account already established in B.

According to the embodiment of the present invention, the information receiving unit 825 preferably further includes a function of checking the validity of the received virtual account opening application information.

Here, the validity of the virtual account opening includes checking whether a financial account corresponding to the grounded account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system 855. It is preferable to make it.

The information checking unit 830 checks the base account information corresponding to the mother account included in the virtual account opening application information in response to the received virtual account opening application information, and confirms remote transaction agreement agreement information. It is done.

In addition, the information checking unit 830 corresponds to the received virtual account opening application information, financial products that can open a financial product corresponding to the subscription request financial product information included in the virtual account opening application information (that is, regularity Deposits / savings, beneficiary certificates, trusts, periodic foreign currency deposits, etc.).

According to the method of the present invention, it is preferable to check the account ledger including the base account information corresponding to the mother account included in the virtual account opening application information, and confirm the presence or absence of remote transaction agreement consent information on the account ledger.

The information generating unit, based on the received virtual account opening application information, if the base account information includes the remote transaction agreement consent information, based on the virtual account opening application information received through the information receiving unit 825 And generating predetermined virtual account ledger information to be provided in the linked account opened under a customer's name, wherein the virtual account ledger information is provided on the financial system 855 and the parent account information associated with the virtual account. It is preferable to include at least one ledger information to be included in the account ledger provided in the ledger D / B (or virtual account to be equipped to process at least one or more financial transactions requested by the customer).

In addition, the virtual account ledger information for the generated linked account further comprises the withdrawal target account information for the target account (for example, the base account, which is the parent account for the linked account) withdrawal through the linked account. Preferably, according to the intention and purpose of those skilled in the art, the generated linked account is preferably made further comprises a cash withdrawal setting information to set the cash withdrawal is impossible.

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

When predetermined virtual account ledger information to be included in the linked account is generated by the information generation unit, the information storage unit 840 corresponds to the base account provided in the ledger D / B provided on the financial system 855. And generating a predetermined virtual account ledger associated with the account ledger, and storing the generated virtual account ledger information in the virtual account ledger.

The fax data receiving unit 805 is characterized in that receiving the fax data for the fax document (or fax electronic document) sent through the customer's fax terminal, the received fax data is the information providing unit 810 It is preferable to provide the fax reception information to the clerk (or staff member) terminal in charge of the customer, or provide the information storage unit 840 and store the data in association with the customer information.

Thereafter, it is preferable to check the received fax data and make a telephone call with the customer. According to the intention and purpose of the person skilled in the art, a connection is made to the parent account immediately according to the virtual account opening procedure using the received fax data. You can also open an account.

The voice data receiving unit 845 may be configured to receive voice data of the customer and the employee when the teller (or the employee in charge) makes a voice call with the customer, and the voice call history information on the received voice data. After the transaction authentication of the customer is confirmed (or regardless of the customer) is preferably stored in the storage medium 860 in association with the information storage unit 840.

According to an embodiment of the present invention, the voice data receiving unit 845 receives analog (or digital) data received from the customer's voice call terminal (eg, a landline phone or a mobile phone), and, if analog voice When data is received, the voice data receiver 845 preferably further includes a function of an analog to digital (A / D) converter.

The transaction authentication processing unit recognizes the received voice data, confirms whether or not the voice of the customer, and if the voice of the customer, characterized in that for processing the authentication of the customer.

According to the method of the present invention, the received voice data is compared with the voice data information previously stored in the storage medium 860 when the customer opens the base account, and confirms the customer, and the voice data information of the customer If is confirmed, it is preferable to treat the transaction authentication for the customer as confirmed.

According to another exemplary embodiment of the present invention, the received voice data is compared with the voice data information previously stored in the storage medium 860 by the customer to confirm the customer, and the voice data information of the customer is stored. If confirmed, it is preferable to treat the transaction authentication for the customer as confirmed.

The information checking unit 830 checks whether or not recording consent information is included in the supporting account information corresponding to the mother account when the authenticated customer requests to establish a linked account based on the supporting account corresponding to the mother account. Preferably, when the customer has agreed to record, the received voice data is preferably stored in the storage medium 860 in association with the customer information about the customer.

9 is a view showing the configuration of a virtual account ledger for opening a connection account applied using a remote means according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates an account corresponding to a grounded account provided in the ledger D / B on the financial system 855 for opening a connection account applied by the remote means in the connection account opening system shown in FIG. 8. As a virtual account ledger that is linked to the ledger and is processed by those of ordinary skill in the art to which the present invention pertains, a virtual for opening a linked account applied by using remote means by referring to and / or modifying the drawing 9 Various implementation methods for the account ledger may be inferred, but the present invention includes all the implementation methods inferred above and is not limited by the implementation method shown in FIG.

Referring to FIG. 9, a virtual account ledger corresponding to a linked account opened under the customer's name for opening a linked account applied using the remote means is processed in association with an account ledger corresponding to the grounded account. It is characterized in that it is provided in the ledger D / B on 855, the account ledger corresponding to the base account is linked to a predetermined customer ledger corresponding to the customer.

In this drawing 9 according to the embodiment of the present invention, the customer ledger is a ledger corresponding to the customer. Classification code, phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, Legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, gender resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. It is preferable.

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

In addition, in this figure 9, the account ledger corresponding to the grounded account is linked to the customer ledger in a relational form, such as account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, and RBI balance. 1, RBI balance 2, bank balance, bank account number, interest now, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest rate accounting, flat consolidation It includes account ledger information including at least one or more, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation, and includes the account number, withdrawal (months), and period corresponding to the account ledger. At least one of: periodic reception information including at least one (day), extension of time, expiration date, and target amount; and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the account ledger. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, It includes transaction history information including at least one of a date of origin, a bank account line, a brief summary, and a CIF.

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

Referring to FIG. 9, the virtual account ledger may be processed in a relational manner with an account ledger corresponding to the base account. The virtual account ledger information may include parent account information associated with the virtual account and the financial system ( At least one ledger information to be included in the ledger D / B provided on 855 (or the virtual account to be equipped to process at least one financial transaction requested by the customer); It is preferable to make.

According to the embodiment of the present invention, the virtual account ledger information includes a mother account number associated with the virtual account, and in addition to the account ledger, a predetermined virtual account number, point number, currency, opening date, virtual account state , Virtual account type, virtual account interest rate, virtual account password, virtual account deposit, bank balance, bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one ledger information, such as the number of unpaid transactions, interest rate account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation, wherein the virtual account deposit is the consolidation. As the amount corresponding to the account balance, the actual balance of the linked account is preferably deposited in the base account.

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

10 is a diagram illustrating a connection account opening process for opening a connection account applied using a remote means according to an exemplary embodiment of the present invention.

In more detail, in FIG. 10, in the connected account opening system shown in FIG. 8, a predetermined customer opens the virtual account through a predetermined virtual account opening interface (for example, a virtual account opening application form and an employee terminal 865 and a communication network). When the virtual account opening application information is transmitted to the server 800, the virtual account opening application server 800 opens the predetermined connection account based on the virtual account opening application information. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for opening the connection account for opening a connection account applied by using a remote means by referring to and / or modifying the drawing 10 are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 10, the employee terminal 865 shown in FIG. 8 is referred to as "terminal" for convenience, and the virtual account opening server 800 is referred to as "server" for convenience.

Referring to FIG. 10, a customer who wants to open a linked account to the customer for opening a linked account applied using the remote means, establishes a linked account which is a virtual account using a base account using a telephone or a fax to the financial institution. When applying for, the clerk (or a clerk) provides the virtual account opening application information to the server through the virtual account opening interface through the terminal (1000).

According to the implementation method of the present invention, the virtual account establishment application information is the customer information requesting the establishment of a connection account for opening a connection account applied to the customer by using the remote means, the customer information, and the virtual account linked It is preferable that the at least one basis account information corresponding to the parent account and the subscription request financial product information is included.

Here, the customer information for requesting the establishment of a connection account for opening a connection account applied to the customer by using the remote means may include personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, and mail of the customer). Address, etc.) and member information of the customer (e.g., on the financial system 855 associated with the base account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File), etc.) provided in the customer ledger.

Further, the base account information associated with the virtual account is information corresponding to a base account corresponding to a real account linked to the linked account of the customer's name at the request of the customer, and the ledger D / on the financial system 855. It is preferable to include at least one or more of the account number and account holder information, etc. for the base account already established in B.

When predetermined virtual account opening application information is received through the virtual account opening interface, the server reads the received virtual account opening application information, thereby confirming whether the connection account can be opened to the customer (1005). ).

Here, the validity of the virtual account opening is to check whether a financial account corresponding to the grounded account information included in the virtual account opening application information is opened as a real account in the ledger D / B on the financial system 855. It is preferable to comprise.

In addition, the virtual account opening validity check, it is preferable to check the account ledger including the basis account information corresponding to the parent account included in the virtual account opening application information, to confirm the presence of remote transaction agreement consent information on the account ledger. Do.

In addition, the virtual account establishment validity check, when receiving the voice data of the customer, it is preferable to check whether the received voice data is the voice of the customer.

If the validity to open the linked account to the customer is not authenticated through the virtual account open application information (1010), the server provides the linked account open error information to the customer through the virtual account open interface; 1015, stop opening the linked account to the customer.

On the other hand, if the validity to open the connection account to the customer is authenticated through the virtual account opening application information (1010), the server corresponding to the connection account to be opened to the customer based on the virtual account opening application information The virtual account ledger information of the customer's name is generated (1020).

Here, the virtual account ledger information is to be included in the mother account information associated with the virtual account and the account ledger provided in the ledger D / B provided on the financial system 855 (or the virtual account is requested by the customer) Preferably at least one ledger information to be provided for processing at least one financial transaction.

In addition, the virtual account ledger information for the generated linked account further comprises the withdrawal target account information for the target account (for example, the base account, which is the parent account for the linked account) withdrawal through the linked account. Preferably, according to the intention and purpose of those skilled in the art, the generated linked account is preferably made further comprises a cash withdrawal setting information to set the cash withdrawal is impossible.

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

Thereafter, the server checks the account ledger corresponding to the grounded account to be linked to the linked account to be opened to the customer among at least one or more account ledgers provided on the ledger D / B on the financial system 855 (1025). .

If the account ledger corresponding to the grounded account to be linked to the linked account to be opened to the customer is identified (1030), the server corresponds to the grounded account provided on the ledger D / B on the financial system 855. Create a virtual account ledger of the customer name that is linked to the account ledger (1035), and the virtual account ledger generated by linking with the account ledger corresponding to the base account in the ledger D / B on the financial system 855 The generated virtual account ledger information is stored (1040).

11 is a diagram illustrating a face-to-face financial transaction system for transferring funds between a linked account and a grounded account according to an embodiment of the present invention.

In more detail, in Figure 11, a predetermined customer transfers funds between a linked account opened through a linked account opening system shown in FIG. 8 and a grounded account linked to the linked account to a teller via telephone or fax. When providing the financial transaction request information including at least one of the consolidated account information, the transfer amount information and the transfer target account information, the teller transfers funds between the linked account and the underlying account to the financial transaction system through a predetermined financial transaction interface. For providing the financial transaction request information including at least one of the connection account information, the transfer amount information and the transfer target account information, the connection account information and the transfer amount information included in the provided financial transaction request information in the financial transaction system Funds transfer between the linked account and the underlying account using the account information The present invention relates to a system for providing a financial transaction for those who have ordinary knowledge in the technical field to which the present invention pertains. Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more financial transactions for transferring funds between the linked account and the underlying account using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. Components corresponding to the means and / or functional configuration are referred to as " financial transaction server 1100 " for convenience, and the financial transaction server 1100 in FIG. 11 providing the face-to-face financial transaction service includes at least one employee. It is preferable to include an account system on the financial system 1160 connected to the terminal 1170 through a predetermined communication network, but FIG. 11 shows the financial transaction server 1100 and the employee terminal 1170 for convenience of explanation. Although illustrated as a ledger server between accounts, the present invention is not limited thereby.

Referring to FIG. 11 according to an embodiment of the present invention, a financial transaction system for transferring funds between the linked account and the underlying account includes an employee terminal including an employee terminal 1170 provided at at least one financial institution branch. 1170) and a communication network (for example, an executive network) connected to the employee terminal 1170, and connected to the employee terminal 1170 through the communication network to process a financial transaction for transfer of funds between the linked account and the underlying account. The financial transaction server 1100 and the linked account opened through the linked account opening system shown in FIG. 8 are characterized in that it comprises a financial system 1160 opened.

The financial system 1160 that processes the at least one financial transaction service through the linked account opened through the linked account opening system shown in FIG. 8 in connection with the financial transaction server 1100 is a branch of the financial institution. (And / or a branch) is connected to at least one or more employee terminals 1170 and a predetermined communication network (eg, our network), at least one or more financial transaction customers through the employee terminal 1170 Provide face-to-face financial transaction services.

Further, the financial system 1160 may 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 the financial institution. At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch), and / or at least one financial terminal provided in a public place and a predetermined communication network (eg, CD common network). And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system 1160 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 1160 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing capabilities connected to the mobile communication network) and / or connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

The financial system 1160 may be connected to a predetermined IC chip based wireless banking server, and may be based on a predetermined wireless network (eg, code division multiple access (CDMA)) through the IC chip based wireless banking server. At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 1160 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 1160 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 1160 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 11, the financial system 1160 is 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. A computer system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or a window), an information system for processing a headquarters business, a branch information support, and customer information management; Interconnection between the financial system 1160 and at least one other financial system 1160 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc.) (1160), and / or the external system that provides a variety of financial transaction interfaces through at least one or more common networks (e.g., CD common network, financial common network), the financial system ( 1160 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 1160, and predetermined information required for performing respective functions in the components in the financial system 1160. And a DBMS (DataBase Management System) including at least one database for storing and managing (eg, ledger information, and / or customer information, and / or management information).

In addition, the financial system 1160 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 1160 and the purpose of the financial system 1160. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 1160, and thus the 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 1160, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational Characterized in that it is stored in association with (Relationship), the ledger information is shown in Figure 8 And a predetermined ledger corresponding to the linked account opened through the linked account opening system.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristic of the financial system 1160. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer visits the financial institution branch for the transfer of funds between the linked account and the underlying account, and connects the linked account with a window (or through a cashier) provided at the financial institution branch. Fill out a prescribed application for the transfer of funds between evidence accounts (for example, a document with a form for filling in at least one item of information for transfer of funds between the linked account and the evidence accounts) and send the completed application to the teller. Upon submission, the teller enters (or selects) the linked account information, the transfer amount information, and the transfer target account information entered in the application through a predetermined employee terminal 1170, and the employee terminal 1170 enters the input. (Or selected) financial transaction request information including at least one or more selected connection account information, transfer amount information, and transfer target account information through the communication network. To be sent to the financial transaction server 1100 is provided on the financial transaction system is preferred.

Here, the employee terminal 1170 preferably comprises an employee terminal 1170 used by a teller staff provided at the financial institution branch, the financial transaction server 1100 connected to the employee terminal 1170 is Preferably it comprises a ledger server provided on a predetermined financial system 1160, the communication network connecting the employee terminal 1170 and the financial transaction server 1100 is the employee terminal 1170 and the financial transaction server 1100, it is preferable to include a conventional network for connecting the communication channel.

In the financial transaction system as described above, an application written by the customer, a communication network connecting the employee terminal 1170 and the employee terminal 1170 and the financial transaction server 1100 used by the teller, is provided by the customer. It performs a function of the financial transaction interface for registering the financial transaction request information for the transfer of funds between the linked account and the underlying account.

The financial transaction request information transmitted from the employee terminal 1170 for the transfer of funds between the linked account and the underlying account to the financial transaction server 1100 may include predetermined connection account information, transfer amount information, and transfer target account information. Characterized in that it comprises at least one or more.

The linked account information comprises an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the linked account opening system shown in FIG. Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the linked account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account and the contact person code) may be further included.

The transfer amount information comprises a financial transaction amount transferred from the linked account for the transfer of funds between the linked account and the underlying account, the transfer amount does not exceed the balance deposited in the linked account It is characterized by.

The transfer target account information includes an account number (or a number) for a target financial account for depositing the withdrawal amount (that is, for transferring a predetermined amount from the linked account) after withdrawing the transfer amount from the linked account. Financial account aliases, etc.), and according to the intention of the skilled person, customer information (for example, the name of the account holder or the CIF (Customer Information File) number of the customer corresponding to the linked account), financial institution information ( For example, it may further include at least one or more bank name, or bank code), branch information (for example, branch code), contact information (for example, name of the person in charge of opening and in charge of the connection account, contact code, etc.).

The financial transaction server 1100 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the employee terminal 1170 through a predetermined communication network, and includes at least one server (or Device) and / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the employee terminal 1170 is an employee terminal 1170 connected to a predetermined communication network, the financial transaction server 1100 is connected to the employee terminal 1170 through a predetermined communication network. A ledger server provided on the financial system 1160, and / or a server (or device) provided on the external system on the financial system 1160, and / or provided on the external system on the financial system 1160. It may be a program, whereby the present invention is not limited.

According to the method of the present invention, the financial transaction server 1100 is provided with an interface unit 1115 (or interface means) for connecting and managing the employee terminal 1170 and a predetermined communication channel through the communication network. It is characterized by.

According to an exemplary embodiment of the present invention, when the employee terminal 1170 is an employee terminal 1170 connected to a predetermined communication network, the interface unit 1115 may be configured based on the protocol stack defined in the communication network. 1170 and a predetermined communication channel, 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 financial transaction-related program included in the employee terminal 1170. Do.

Referring to FIG. 11, the financial transaction server 1100 has a predetermined employee terminal 1170 connecting a communication channel with the financial transaction server 1100 through the interface unit 1115, and / or the communication. When a financial transaction is requested for transfer of funds between the linked account and the underlying account through a channel, the employee terminal 1170 interoperates with the interface unit 1115 to input (or select) predetermined financial transaction request information from the employee terminal 1170. And an interface providing unit 1120 (or interface providing means) for generating (or extracting) a predetermined user interface and providing the same to the employee terminal 1170. When a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1120 may be omitted.

The interface providing unit 1120 may be configured such that a predetermined employee terminal 1170 connects a communication channel with the financial transaction server 1100 through the interface unit 1115, and / or with the connection account through the communication channel. When requesting a financial transaction for transfer of funds between underlying accounts, the financial transaction server 1100 is inputted through (or selected) the financial transaction request information corresponding to the functional configuration provided in the employee terminal 1170, and through the communication network. Generate a predetermined user interface which can be transmitted to the network, and / or extract it from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 1115 via the communication network. Characterized in that provided by the staff terminal (1170).

According to an embodiment of the present invention, when the employee terminal 1170 is an employee terminal 1170 connected to a predetermined communication network, the interface providing unit 1120 is related to financial transactions provided in the employee terminal 1170. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and to provide the user terminal 1170 with the generated (or extracted) user interface through the interface unit 1115.

According to another exemplary embodiment of the present invention, a predetermined one or more user interfaces for inputting (or selecting) the financial transaction request information to the employee terminal 1170 and transmitting the financial transaction request information to the financial transaction server 1100 through the communication network are provided. When the terminal-side banking program is provided, the interface providing unit 1120 for providing the user interface to the employee terminal 1170 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 linked account information, transfer amount information, and transfer target account information to the financial transaction server 1100. It is preferable to include an interface function to make.

Referring to FIG. 11, the financial transaction server 1100 inputs financial transaction request information including at least one of connection account information, transfer amount information, and target transfer account information through the user interface at the employee terminal 1170. (Or the selection), the information receiving unit 1125 for receiving the financial transaction request information including at least one of the connection account information, the transfer amount information, and the transfer target account information in association with the interface unit 1115. (Or information receiving means), an information storage unit (1155) (or information storage means) for storing the received financial transaction request information in the storage medium 1165 using the financial transaction instruction information, and the received financial transaction Validation unit 1135 (or validity check) for checking the validity of the linked account information, the transfer amount information and the target account information included in the request information And a financial transaction processing unit 1140 (or financial) that processes a financial transaction for transfer of funds between the linked account and the underlying account based on the financial transaction request information that is validated in connection with the financial system 1160. Transaction processing means) and the financial transaction processing unit 1140 to generate predetermined financial transaction result information for the financial transaction for transfer of funds between the linked account and the underlying account, and in conjunction with the interface unit 1115 Characterized in that it comprises an information transmission unit 1130 (or information transmission means) for transmitting the financial transaction result information to the employee terminal (1170).

In addition, the financial transaction server 1100 is a fax data receiving unit 1105 (or fax data receiving means) for receiving fax data for a fax document (or fax electronic document) sent through the customer's fax terminal, and the customer. When receiving a fax from the fax terminal of the information, the information providing unit 1110 (or information providing means) that provides whether or not to receive the fax to the terminal of the teller (or responsible staff), and the teller (or staff) In a voice call with a customer, the voice data receiver 1145 (or voice data receiving means) for receiving the voice call data and the received voice data are recognized to confirm whether the voice of the customer is present, and the customer If the voice of the transaction, the transaction authentication processing unit 1150 (or transaction authentication processing means) for processing the authentication of the customer, and the customer is confirmed that the authentication is a predetermined amount from the connection account When requesting a transfer to the account, an information checking unit (or information checking means) for checking whether the recording account information includes the recording consent information, and the voice data received when the customer consents to the recording. An information storage unit 1155 for storing the information on the storage medium 1165 in association with the customer information for the customer and storing the received fax data in association with the customer information for the customer. (Or information storage means) further comprises.

The employee terminal 1170 inputs (or selects) financial transaction request information including at least one of the connection account information, the transfer amount information, and the transfer target account information through the user interface, and the financial transaction server through the communication network. It characterized in that the transmission to (1100).

The information receiving unit 1125 inputs (or selects) the financial transaction request information including at least one of connection account information, transfer amount information, and transfer target account information through the user interface in the employee terminal 1170, and the communication network. If the transmission through the interface unit 1115, and receives the financial transaction request information, characterized in that for receiving the financial transaction request information, the validity check unit 1135 and the information receiving unit 1125 )

The linked account information comprises an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the linked account opening system shown in FIG. Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the linked account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account and the contact person code) may be further included.

The transfer amount information comprises a financial transaction amount transferred from the linked account for the transfer of funds between the linked account and the underlying account, the transfer amount does not exceed the balance deposited in the linked account It is characterized by.

The transfer target account information includes an account number (or a number) for a target financial account for depositing the withdrawal amount (that is, for transferring a predetermined amount from the linked account) after withdrawing the transfer amount from the linked account. Financial account aliases, etc.), and according to the intention of the skilled person, customer information (for example, the name of the account holder or the CIF (Customer Information File) number of the customer corresponding to the linked account), financial institution information ( For example, it may further include at least one or more bank name, or bank code), branch information (for example, branch code), contact information (for example, name of the person in charge of opening and in charge of the connection account, contact code, etc.).

The validity confirming unit 1135 checks whether the financial transaction request information received from the employee terminal 1170 satisfies the validity for transfer of funds between the linked account and the grounded account.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for a financial account corresponding to the linked account information included in the financial transaction request information in the ledger D / B on the financial system 1160. (Or check whether the customer ledger corresponding to the linked account) is provided, and if the account ledger (or the customer ledger corresponding to the linked account) is provided for the financial transaction request information It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the linked account (for example, the account ledger provided in the ledger D / B on the financial system 1160 corresponding to the linked account) the financial transaction request It is preferable to include whether the amount is greater than the transfer amount included in the information, and if the balance of the balance is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is the account ledger for the financial account corresponding to the transfer target account information included in the financial transaction request information in the ledger D / B on the financial system 1160 (or the transfer target) It is preferable to include whether the customer ledger corresponding to the account is provided, and if the account ledger (or the customer ledger corresponding to the transfer target account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information, the account ledger (or the linked account) for the financial account corresponding to the linked account information included in the financial transaction request information in the ledger D / B on the financial system 1160 It is preferable to check whether the transfer target account is a withdrawal account (ie, a grounded account).

In addition, the validity check of the financial transaction request information, the financial transaction work order information stored in the storage medium (1165) and the voice call history information between the customer and the employee compared and confirms, and the financial transaction It is preferable to request the transaction approval through the manager (or the person in charge) of the financial institution in response to the work order information.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1140 is linked to the financial transaction request information in connection with the financial system 1160 equipped with an account ledger corresponding to the linked account. And the financial transaction for transfer of funds between the linked account and the base account based on the transfer amount information and the transfer target account information.

According to the implementation method of the present invention, the financial transaction processing unit 1140 is linked to the financial system 1160, the amount corresponding to the transfer amount information from the account ledger corresponding to the linked account information included in the financial transaction request information It is preferable to carry out the transfer process.

When the financial transaction for transfer of funds between the linked account and the underlying account is processed by the financial transaction processor 1140, the information transmitter 1130 is connected between the linked account and the underlying account in connection with the financial transaction processor 1140. Generate a financial transaction processing history including any one of financial transaction approval details or financial transaction error details for a financial transaction for transfer of funds, and the financial transaction including the financial transaction processing details in connection with the interface unit 1115. Characterized in that the result information is transmitted to the employee terminal 1170 via the communication network.

Here, the financial transaction processing history is characterized in that it comprises the connection account information and the transfer amount information, and further comprises an approval code (or error code (ie, transfer transaction processing)) for the financial transaction. It is characterized by.

The financial transaction result information is characterized in that it comprises a protocol structure for transmitting the generated financial transaction processing details to the employee terminal 1170 via the communication network, the employee terminal receiving the financial transaction result information ( 1170 preferably outputs a predetermined financial transaction receipt (ie, financial transaction processing result) including the financial transaction processing history included in the predetermined financial transaction result information and provides the same to the customer.

The fax data receiving unit 1105 may receive fax data about a fax document (or a fax electronic document) sent through the customer's fax terminal, and the received fax data may be provided in the information providing unit 1110. It is preferable to provide the fax reception information to the clerk (or staff member) terminal in charge of the customer, or provide the information storage unit 1155 to associate with the customer information for the customer and store the information.

Thereafter, it is preferable to check the received fax data and make a telephone call with the customer. According to the intention and purpose of the person skilled in the art, a connection is made to the parent account immediately according to the virtual account opening procedure using the received fax data. You can also open an account.

The voice data receiving unit 1145 may receive the voice call data when the counter employee (or a responsible employee) makes a voice call with the customer, and the voice call history information on the received voice call data is After the transaction authentication of the customer is confirmed (or irrespective of the customer), it is preferable to store the information in the storage medium 1165 in association with the information storage unit 1155.

According to an embodiment of the present invention, the voice data receiver 1145 receives data consisting of analog (or digital) received from a voice call terminal (for example, a landline phone or a mobile phone) of the customer. When data is received, the voice data receiver 1145 preferably further includes a function of an analog to digital (A / D) converter.

The transaction authentication processing unit recognizes the received voice data, confirms whether or not the voice of the customer, and if the voice of the customer, characterized in that for processing the authentication of the customer.

According to the method of the present invention, the received voice data is compared with the voice data information previously stored in the storage medium 1165 when the customer opens the base account, and confirms the customer, and the voice data of the customer Once the information is confirmed, it is desirable to treat the transaction authentication for the customer as confirmed.

According to another exemplary embodiment of the present invention, the received voice data is compared with voice data information previously stored in the storage medium 1165 by the customer, and the customer is identified, and the voice data information of the customer is stored. If confirmed, it is preferable to treat the transaction authentication for the customer as confirmed.

The information checking unit checks whether or not the recording consent information is included in the base account information corresponding to the mother account when the authenticated customer requests to open a linked account based on the base account corresponding to the mother account. Preferably, when the customer agrees to record, the received voice data is preferably stored in the storage medium 1165 in association with the customer information about the customer.

FIG. 12 illustrates a ledger configuration corresponding to a linked account provided in the financial system 1160 for a face-to-face financial transaction for transfer of funds between a linked account and a grounded account according to an embodiment of the present invention.

More specifically, FIG. 12 shows an account ledger corresponding to the linked account opened through the linked account opening system shown in FIG. 8 in the ledger D / B provided in the DBMS on the financial system 1160 shown in FIG. As shown in FIG. 12, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawing 12 and use the financial system 1160 to transfer funds between the linked account and the underlying account. Various implementation methods for the ledger configuration corresponding to the connection account provided in) may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 12 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system 1160 includes a predetermined customer ledger and at least one account associated with the customer ledger. Ledger (eg, ledger, loan ledger, etc.) and at least one information associated with the account ledger is shown to include, if the person having ordinary knowledge in the technical field to which the present invention belongs, the financial system (1160) In the ledger D / B provided in the DBMS on the at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) and / or 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 to further understand, and the specific technical matters for this will be understood. Detailed description is omitted for convenience.

The customer ledger is a ledger including customer information corresponding to the linked account for the transfer of funds between the linked account and the grounded account, and includes a customer information file (CIF) number, a country code, a contact ID, a branch number, a customer classification, Customer Name, Customer Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Location, Account number, president, type of business, legal representative, first 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.

The ledger is a ledger corresponding to the linked account for the transfer of funds between the linked account and the underlying account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference, and the final interest calculation date, etc. The number of months), period (days), period extension, maturity date and at least one target amount, and / or account number corresponding to the ledger, the amount of trust, the face value, the pension date and Trust reception information including at least one drinking water, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

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

13 is a diagram illustrating a process of processing a financial transaction for transfer of funds between a linked account and a base account in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a case in which the financial transaction server 1100 on the financial transaction system illustrated in FIG. 11 has a ledger server function on the financial system 1160 linked to the employee terminal 1170 through a predetermined communication network. The employee terminal 1170 accesses the financial transaction server 1100 to connect a communication channel for the financial transaction, and then connects the connection account information to the financial transaction server 1100 through the communication channel. When the financial transaction request information including the transfer amount information and the transfer target account information is transmitted, the financial account server 1100 may include the connection account information, the transfer amount information, and the transfer target account information included in the received financial transaction request information. As a method for providing a financial transaction for the transfer of funds between the linked account and the base account using the, the general knowledge in the technical field to which the present invention belongs Persons having the same will be able to infer various implementation methods for the process of processing financial transactions for transfer of funds between the linked account and the underlying account in the face-to-face manner by referring to and / or modifying the present invention. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the employee terminal 1170 illustrated in FIG. 11 is referred to as a “terminal” for convenience, and the financial transaction server 1100 illustrated in FIG. 11 is referred to as a “server” for convenience.

Referring to FIG. 13, the terminal illustrated in FIG. 11 connects a communication channel for at least one financial transaction with the server through the communication network, and connects account information and transfer for transferring funds between the connection account and the underlying account. In operation 1300, a user interface for inputting (or selecting) financial transaction request information including at least one of money amount information and transfer target account information is output.

Subsequently, a predetermined application (eg, at least one information item for transferring funds between the linked account and the underlying account) includes at least one of the linked account information, the transfer amount information, and the transfer target account information from the customer. Once the completed document is submitted and the form is submitted, the terminal inputs financial transaction request information including at least one of the linked account information, the transfer amount information, and the target transfer account information included in the application through the user interface. (Or select) 1305, and transmits the financial transaction request information including at least one of the connection account information, the transfer amount information, and the transfer target account information to the server through a communication network connecting the terminal and the server (1315). ).

The linked account information comprises an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the linked account opening system shown in FIG. Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the linked account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account and the contact person code) may be further included.

The transfer amount information includes a financial transaction amount transferred from the linked account for the transfer of funds between the linked account and the underlying account, wherein the transfer amount does not exceed the balance deposited in the linked account. It is characterized by not.

The transfer target account information includes an account number (or a number) for a target financial account for depositing the withdrawal amount (that is, for transferring a predetermined amount from the linked account) after withdrawing the transfer amount from the linked account. Financial account aliases, etc.), and according to the intention of the skilled person, customer information (for example, the name of the account holder or the CIF (Customer Information File) number of the customer corresponding to the linked account), financial institution information ( For example, it may further include at least one or more bank name, or bank code), branch information (for example, branch code), contact information (for example, name of the person in charge of opening and in charge of the connection account, contact code, etc.).

Thereafter, the server receives and reads financial transaction request information including at least one of the connection account information, the transfer amount information, and the transfer target account information through the communication network, and confirms the validity of the financial transaction request information (1320). ).

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for a financial account corresponding to the linked account information included in the financial transaction request information in the ledger D / B on the financial system 1160. (Or check whether the customer ledger corresponding to the linked account) is provided, and if the account ledger (or customer ledger corresponding to the linked account) is provided, the financial transaction request information It is desirable that the validity of the certificate is verified.

In addition, the validity check of the financial transaction request information is the amount deposited in the linked account (for example, the account ledger provided in the ledger D / B on the financial system 1160 corresponding to the linked account) the financial transaction request It is preferable to include whether the amount is greater than the transfer amount included in the information, and if the balance of the balance is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is the account ledger for the financial account corresponding to the transfer target account information included in the financial transaction request information in the ledger D / B on the financial system 1160 (or the transfer target) It is preferable to include whether the customer ledger corresponding to the account is provided, and if the account ledger (or the customer ledger corresponding to the transfer target account) is provided, the validity of the financial transaction request information is authenticated. It is preferable to be.

In addition, the validity check of the financial transaction request information, the account ledger (or the linked account) for the financial account corresponding to the linked account information included in the financial transaction request information in the ledger D / B on the financial system 1160 It is preferable to check whether the transfer target account in the customer ledger corresponding to the withdrawal account.

In addition, the validity check of the financial transaction request information, the financial transaction work order information stored in the storage medium (1165) and the voice call history information between the customer and the employee compared and confirms, and the financial transaction In response to the work order information, it is preferable to request the transaction approval through the manager (or the person in charge) of the financial institution.

If the validity of the financial transaction request information is not authenticated (1325), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1330), and establishes the communication network. The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1350), and in response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (1355).

On the other hand, if the validity of the financial transaction request information is authenticated (1325), the server is linked with the financial account request information included in the financial transaction request information in connection with the financial system 1160 equipped with an account ledger corresponding to the linked account; Based on the transfer amount information and the target account information, the financial transaction for transfer of funds between the linked account and the base account is processed (1335).

According to an embodiment of the present invention, the server transfers the amount corresponding to the transfer amount information from the account ledger corresponding to the linked account information included in the financial transaction request information in connection with the financial system 1160. desirable.

If a financial transaction corresponding to the financial transaction request information is processed (1340), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1345), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication network (1350), and correspondingly, the terminal prints a financial transaction receipt including the financial transaction processing history. Output (1355).

14 is a diagram illustrating a face-to-face financial transaction system for the termination of the base account according to an embodiment of the present invention.

More specifically, FIG. 14 illustrates that when a predetermined customer provides financial transaction request information including at least one of the basis account information and transaction authentication information for the termination of the basis account to the financial transaction system through a predetermined financial transaction interface. The present invention relates to a system configuration for providing a financial transaction for revocation processing of a grounded account using the grounded account information and transaction authentication information included in the provided financial transaction request information in the financial transaction system. Those skilled in the art may refer to and / or modify this drawing 14 to infer various implementation methods for the construction of a financial transaction system for the termination of the grounded account, but the present invention is inferred from all It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means for providing a financial transaction for the termination of the base account using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. Alternatively, a component corresponding to a functional configuration is referred to as a "financial transaction server 1400" for convenience, and the financial transaction server 1400 in FIG. Although it is preferable to include an account system on the financial system connected through the financial network of the present invention, FIG. 14 illustrates the financial transaction server 1400 as a ledger server between the counter terminal and the account system for convenience of explanation. The present invention is not limited.

Referring to FIG. 14 according to an embodiment of the present invention, the financial transaction system for the termination of the grounded account includes a financial transaction terminal 1440 and a financial terminal including a window terminal provided at at least one branch of a financial institution. A financial transaction server (e.g., a banking network) connected to a transaction terminal 1440 and a financial transaction server connected to the financial transaction terminal 1440 through the financial network to process a financial transaction for the termination of the underlying account ( 1400) and a financial system in which the grounded account opened through the grounded account opening system shown in FIG. 1 is established.

The financial system processing at least one financial transaction service through the ground account opened through the ground account opening system shown in FIG. 1 in connection with the financial transaction server 1400 may be a branch of the financial institution (and // Or at least one window terminal provided at a branch) and a predetermined financial network (eg, a branch network), and face-to-face financial transaction services to at least one financial transaction customer through the window terminal. To provide.

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

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

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

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

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

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

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

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

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

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

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

According to the method of the present invention, the customer visits the financial institution branch for the termination of the underlying account, and performs the termination of the grounded account through the window (or through the clerk) provided at the financial institution branch. After completing a prescribed application form (e.g., a document with a form for filling out at least one item of information for the termination of the grounded account), and submitting the completed application form to the counter staff, the counter staff Enter (or select) the basis account information and transaction authentication information entered in the application through the counter terminal, and the counter terminal includes at least one of the input (or selected) basis account information and transaction authentication information. The request information is preferably transmitted to the financial transaction server 1400 provided on the financial transaction system through the financial network.

In this case, the financial transaction terminal 1440 preferably comprises a window terminal used by a teller staff provided in the branch of the financial institution, the financial transaction server 1400 connected to the window terminal on the predetermined financial system It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 1400 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 1400. It is preferable to make it.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server 1400, the customer cancels the base account. It performs the function of the financial transaction interface for registering financial transaction request information for processing.

The financial transaction request information transmitted from the financial transaction terminal 1440 to the financial transaction server 1400 for the termination of the underlying account includes at least one predetermined account information and transaction authentication information. It features.

The base account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the base account opening system shown in Figure 1, according to the intention of the skilled person Customer information (e.g., the name of the stockholder, or Customer Information File (CIF) number of the customer corresponding to the supporting account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code) At least one contact person information (for example, the name of the person in charge of opening the account and opening the account, a person in charge code, etc.) may be further included.

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

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 1440 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 1440 is a window terminal connected to a predetermined financial network, the financial transaction server 1400 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

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 1440 through the financial network. Characterized in that made.

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

Referring to FIG. 14, the financial transaction server 1400 may be configured such that a predetermined financial transaction terminal 1440 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the communication. When a financial transaction request for the termination of the underlying account is requested through a channel, the financial transaction terminal 1440 interoperates with the interface unit 1405 to input (or select) predetermined financial transaction request information to be transmitted. And an interface providing unit 1410 (or an interface providing means) for generating (or extracting) a predetermined user interface and providing the same to the financial transaction terminal 1440. The financial transaction terminal 1440 is provided. In the case where a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1410 may be omitted.

The interface provider 1410 may be configured such that a predetermined financial transaction terminal 1440 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the base account through the communication channel. When a financial transaction is requested for termination of the transaction, the financial transaction server 1400 is input through the financial network by inputting (or selecting) the financial transaction request information corresponding to the functional configuration of the financial transaction terminal 1440. Generate a predetermined user interface that can be transmitted to the network, and / or extract it from a predetermined database (not shown), and link the interface unit 1405 with the generated (or extracted) user interface through the financial network. Characterized in that provided to the financial transaction terminal (1440).

According to an embodiment of the present invention, when the financial transaction terminal 1440 is a window terminal connected to a predetermined financial network, the interface providing unit 1410 may provide a financial transaction-related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter 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 1440 and transmitting the financial transaction request information to the financial transaction server 1400 through the financial network 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 1440 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface includes an interface function for inputting (or selecting) financial transaction request information including at least one of accounting information and transaction authentication information and transmitting the financial transaction request information to the financial transaction server 1400. It is preferable to comprise.

Referring to FIG. 14, the financial transaction server 1400 inputs (or selects) financial transaction request information including at least one basis account information and transaction authentication information from the financial transaction terminal 1440 through the user interface. And the information receiving unit 1415 (or information receiving means) receiving the financial transaction request information including at least one of the base account information and the transaction authentication information in association with the interface unit 1405, and A validity checking unit 1425 (or validity checking means) for checking the validity of the base account information and the transaction authentication information included in the received financial transaction request information, and the base account included in the received financial transaction request information; Information checking unit 1430 (or information confirmation to check the existence of the linked account, and if there is a linked account further checks the second base account of the customer name Means), a financial transaction processing unit 1435 (or financial transaction processing means) for processing a financial transaction for the termination processing of the underlying account based on the financial transaction request information whose validity is confirmed in association with the financial system; Generates predetermined financial transaction result information for a financial transaction for termination processing of the underlying account in connection with a financial transaction processing unit 1435, and generates the financial transaction result information in connection with the interface unit 1405. And an information transmitting unit 1420 (or information transmitting means) for transmitting to 1440.

The financial transaction terminal 1440 inputs (or selects) financial transaction request information including at least one of the base account information and transaction authentication information through the user interface and the financial transaction server 1400 through the financial network. It characterized in that the transmission to.

The information receiving unit 1415 inputs (or selects) financial transaction request information including at least one of account information and transaction authentication information through the user interface from the financial transaction terminal 1440 and transmits the information through the financial network. The financial transaction request information is received in cooperation with the interface unit 1405, and the received financial transaction request information is provided to the validity verification unit 1425.

The base account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the base account opening system shown in Figure 1, according to the intention of the skilled person Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the supporting account), financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account, and the contact person code) may be further included.

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

The validity confirming unit 1425 is configured to check whether the financial transaction request information received from the financial transaction terminal 1440 satisfies the validity for the termination of the underlying account.

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

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

The information checking unit 1430 first checks whether the linked account is linked to the base account included in the financial transaction request information, and if there is a linked account, further checks the second base account under the customer's name. The verification result is provided to the financial transaction processing unit 1435.

The financial transaction processing unit 1435 is for revocation processing of the base account based on the base account information and transaction authentication information included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the base account. Characterized in processing financial transactions.

If there is a linked account linked to the dismissal request subject account according to the method of the present invention, the second account account (that is, the financial account in which the remote transaction agreement is set) of the customer's name is connected to the linked account. After that, it is preferable to terminate the ground account requested for termination.

According to another embodiment of the present invention, if there is no linked account connected to the base account for requesting revocation, it is preferable to terminate the requested base account for revocation.

When the financial transaction for the termination of the base account is processed by the financial transaction processing unit 1435, the information transmission unit 1420 is connected to the financial transaction processing unit 1435 to perform the financial transaction for the termination process of the base account. Generate a financial transaction processing history including any of financial transaction approval history or financial transaction error history for the financial transaction result, and the financial transaction result information including the financial transaction processing history in connection with the interface unit 1405; Characterized in that the transmission to the financial transaction terminal 1440 via a network.

Here, the transaction details of the financial transaction is characterized in that it comprises the basis account information, characterized in that it further comprises an authorization code (or error code (that is, notification of termination processing)) for the financial transaction. .

In addition, the notification of the cancellation processing can be notified when there is a linked account connected to the base account requested to cancel, and there is no second base account in the customer's name.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1440 through the financial network, and receiving the financial transaction result information. The transaction terminal 1440 outputs a predetermined financial transaction receipt including the financial transaction processing history included in the predetermined financial transaction result information.

FIG. 15 is a diagram illustrating a ledger configuration corresponding to a grounded account provided in a financial system for a face-to-face financial transaction for the termination of a grounded account according to an embodiment of the present invention.

More specifically, FIG. 15 includes an account ledger corresponding to the grounded account opened through the grounded account opening system shown in FIG. 1 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As a method of implementation, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15 to correspond to the grounded account provided in the financial system for the termination of the grounded account. Various implementation methods for the ledger configuration can be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account ledger associated with the customer ledger (eg , 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 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details. It will be omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the grounded account for the termination of the grounded account, and includes a customer information file (CIF) number, a country code, a representative ID, a branch number, a customer classification, a customer name, a customer. Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry 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 , Sector, legal representative, date of first transaction, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the grounded account for the termination of the grounded account, which is linked to the customer ledger in a relational manner, including account number, CIF number, branch number, currency, opening date, status, product type, interest rate, and password. , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions It includes at least one or more interest rate account accounts, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), Periodic reception information including at least one or more periods (days), period extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction corresponding to the ledger It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

16 is a diagram illustrating a process of processing a financial transaction for the termination of a grounded account in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a case in which the financial transaction server 1400 on the financial transaction system illustrated in FIG. 14 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. The terminal accesses the financial transaction server 1400 and connects a communication channel for the financial transaction, and then includes the basis account information and transaction authentication information to the financial transaction server 1400 through the communication channel. When the transaction request information is transmitted, the financial transaction server 1400 provides a financial transaction for the termination of the foundation account by using the basis account information and the transaction authentication information included in the received financial transaction request information. As those skilled in the art to which the present invention pertains, those skilled in the art can refer to and / or modify this drawing 16 to Various implementation methods for the process of processing the financial transaction for the termination of the account 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. .

Hereinafter, in FIG. 16, the window terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the financial transaction server 1400 shown in FIG. 14 is called "server" for convenience.

Referring to FIG. 16, the terminal shown in FIG. 14 connects the communication channel for at least one financial transaction with the server through the financial network, and the ground account information and transaction authentication information for the termination of the ground account. The user interface for inputting (or selecting) financial transaction request information including at least one of the outputs is output (1600).

Thereafter, a predetermined application (for example, a slip provided with a form for filling in at least one information item for revocation processing of the basis account) includes at least one of the basis account information and transaction authentication information from the customer. Once completed and submitted, the terminal inputs (or selects) financial transaction request information including at least one of the basis account information and transaction authentication information included in the application through the user interface (1605), and the terminal and the terminal. The financial transaction request information including at least one of the base account information and the transaction authentication information is transmitted to the server through a financial network connecting the server (1615).

Here, the base account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the base account opening system shown in Figure 1, the intention of the skilled person Customer information (e.g., account holder's name, or customer's CIF (Customer Information File) number corresponding to the supporting account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code) ), The contact person information (for example, the name of the person in charge of opening and in charge of the evidence account, the contact person code, etc.) may be further included.

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the termination of the evidence account. Characterized in that it comprises at least one password corresponding to the base account, or a password corresponding to the financial transaction.

Thereafter, the server checks and validates the validity of the financial transaction request information by receiving and reading financial transaction request information including at least one of the base account information and transaction authentication information through the financial network.

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

In addition, the validity check 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 underlying account corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

If the validity of the financial transaction request information is not authenticated (1625), the server generates a financial transaction processing history including the predetermined financial transaction error information corresponding to the validity error information (1630), and the financial network The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1650), and in response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (1655).

On the other hand, if the validity of the financial transaction request information is verified (1625), the server is linked to the financial system equipped with an account ledger corresponding to the evidence account, the account information and transaction authentication information included in the financial transaction request information Based on the processing of the financial transaction for the termination of the base account is processed (1635).

If a financial transaction corresponding to the financial transaction request information is processed (1640), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1645, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial network. Print out (1655).

FIG. 17 illustrates a non-face-to-face financial transaction system for the termination of a grounded account according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates that when a predetermined customer provides financial transaction request information including at least one basis account information and transaction authentication information to the financial transaction system through a predetermined financial transaction interface for the termination of the basis account, The present invention relates to a system configuration for providing a financial transaction for revocation processing of a grounded account using the grounded account information and transaction authentication information included in the provided financial transaction request information in the financial transaction system. Those skilled in the art will be able to infer various implementation methods for the construction of the financial transaction system for the termination of the grounded account by referring to and / or modifying the drawing 17, but the present invention is inferred from all It includes an implementation method and is not limited to the implementation method shown in FIG.

At least one or more means for providing a financial transaction for the termination of the base account using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. Alternatively, a component corresponding to a functional configuration is referred to as a "financial transaction server 1700" for convenience, and the financial transaction server 1700 in FIG. 17 providing the non-face-to-face financial transaction service is an internet banking server or a wireless banking. It is preferable to include all types of non-face-to-face banking server including at least one server, home banking server and the like.

Referring to FIG. 17 according to an embodiment of the present invention, the financial transaction system for the termination of the base account includes at least one client terminal or the like including at least one wired terminal and / or wireless terminal used by a customer. A financial transaction terminal 1740, a network means corresponding to a wired and / or wireless communication network to which the financial transaction terminal 1740 is connected, and connected to the financial transaction terminal 1740 via the network means. A financial transaction server 1700 for processing a financial transaction for the termination of a grounded account and the grounded account opened through the grounded account opening system shown in FIG.

The financial system processing at least one financial transaction service through the ground account opened through the ground account opening system shown in FIG. 1 in connection with the financial transaction server 1700 may be a branch of the financial institution (and // Or at least one window terminal provided at a branch) and a predetermined financial network (eg, a branch network), and face-to-face financial transaction services to at least one financial transaction customer through the window terminal. To provide.

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or 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. 17, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

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

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational 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 accesses the financial transaction server 1700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the financial transaction request information for the termination of the underlying account is input (or selected) through at least one user interface provided by the financial transaction server 1700, the client terminal receives the financial transaction through a predetermined network means. It is preferable to transmit to the financial transaction server 1700 provided on the trading system.

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 It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial transaction server 1700 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a 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 financial transaction server 1700 is a CDMA based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based according to 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, the client terminal outputs at least one or more user interfaces provided by the financial transaction server 1700, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 1700. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the financial transaction server 1700) is provided.

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

In the financial transaction system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1700 and And / or the wireless communication network performs a function of a financial transaction interface for the customer to register the financial transaction request information for the termination processing of the base account.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1740 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A telephone automation network (Cash Dispenser; CD) further comprises, and / or a wired telephone network such as a predetermined public switched telephone network (PSTN), VoIP (Voice over IP) 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 financial transaction system as described above, when the financial transaction terminal 1740 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial transaction server are described. A financial network connecting 1700 performs a function of a financial transaction interface for the customer to register financial transaction request information for the termination of the underlying account, and / or the financial transaction terminal 1740 calls the currency. In the case of a terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 1700 may be terminated by the customer. Performing a function of a financial transaction interface for registering financial transaction request information for processing, and / or provided to an institution affiliated with the financial institution that is the financial transaction terminal 1740. In the case of a horse (and / or server) (not shown), the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) connecting the financial transaction server 1700 The network performs a function of a financial transaction interface for the customer to register financial transaction request information for the termination of the base account.

The financial transaction server 1700 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 1740 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 1740 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 1700. 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 provided in the server (or device), and / or a server provided in the external system 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 is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1740 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 1700 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 financial transaction terminal 1740 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 1700 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 on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1740 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the financial transaction server 1700 may be 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.

The financial transaction request information transmitted from the financial transaction terminal 1740 to the financial transaction server 1700 for the termination of the basis account includes at least one predetermined account information and transaction authentication information. It features.

The base account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the base account opening system shown in Figure 1, according to the intention of the skilled person Customer information (e.g., the name of the stockholder, or Customer Information File (CIF) number of the customer corresponding to the supporting account, etc.), financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code) At least one contact person information (for example, the name of the person in charge of opening the account and opening the account, a person in charge code, etc.) may be further included.

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

In addition, in the characteristic of the financial transaction system shown in Figure 17, characterized in that the financial transaction for the termination of the ground account is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the ground account It is preferable to further include at least one security code information provided in the security card, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, the financial transaction system shown in Figure 17, characterized in that the financial transaction for the termination of the ground account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal (1740) (or Based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1740, or based on at least one encryption key included in the authentication certificate Preferably, the method further includes encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

According to an embodiment of the present invention, the financial transaction server 1700 includes an interface unit 1705 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 1740 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the financial transaction terminal 1740 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1705 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 1705 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

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

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

For example, when the client terminal is equipped with a browser program corresponding to a 19 WAP (19 wireless application protocol) and / or a mobile explorer (ME) protocol, the interface unit 1705 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving a web page (eg, a WML (19 wireless markup language) compliant web page, or an HTML compliant web page) and / or information using a WAP / ME protocol defined in the browser program. .

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

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

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

Referring to FIG. 17, the financial transaction server 1700 may be configured such that a predetermined financial transaction terminal 1740 connects a communication channel with the financial transaction server 1700 through the interface unit 1705, and / or the communication. When a financial transaction request for the termination of the underlying account is requested through a channel, the financial transaction terminal 1740 inputs (or selects) and transmits predetermined financial transaction request information in connection with the interface unit 1705. And an interface providing unit 1710 (or interface providing means) for generating (or extracting) a predetermined user interface and providing the same to the financial transaction terminal 1740. When a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1710 may be omitted.

The interface providing unit 1710 is provided in the financial transaction terminal 1740 after a predetermined financial transaction terminal 1740 connects a communication channel with the financial transaction server 1700 through the interface unit 1705. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction request information and transmitting it to the financial transaction server 1700 via the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 1705 to the financial transaction terminal 1740 through the network means.

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

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1740 is a financial automation device connected to a predetermined financial network, the interface providing unit 1710 may be 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 1705.

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

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

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

According to another exemplary embodiment of the present invention, the financial transaction terminal 1740 includes at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction server 1700 through the network means. When a predetermined terminal-side banking program is provided, the interface providing unit 1710 for providing the user interface to the financial transaction terminal 1740 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface includes an interface function for inputting (or selecting) financial transaction request information including at least one of accounting information and transaction authentication information and transmitting it to the financial transaction server 1700. It is preferable to comprise.

Referring to FIG. 17, the financial transaction server 1700 inputs (or selects) financial transaction request information including at least one basis account information and transaction authentication information from the financial transaction terminal 1740 through the user interface. And the information receiving unit 1715 (or information receiving means) receiving the financial transaction request information including at least one of the base account information and the transaction authentication information in association with the interface unit 1705 and the reception unit. A validity checking unit 1725 (or validity checking means) for checking the validity of the base account information and the transaction authentication information included in the received financial transaction request information, and the base account included in the received financial transaction request information. Information confirmation unit 1730 (or information confirmation to confirm the existence of the linked account, and further confirms the second base account of the customer name if there is a linked account Means), a financial transaction processing unit 1735 (or financial transaction processing means) for processing a financial transaction for the termination processing of the base account based on the valid financial transaction request information in association with the financial system; Generates predetermined financial transaction result information for a financial transaction for termination of the account based on the financial transaction processing unit 1735, and generates the financial transaction result information in connection with the interface unit 1705. And an information transmitter 1720 (or an information transmission means) for transmitting to 1740.

The financial transaction terminal 1740 inputs (or selects) financial transaction request information including at least one of the base account information and transaction authentication information through the user interface, and through the network means, the financial transaction server 1700. It characterized in that the transmission.

The information receiving unit 1715 receives (or selects) financial transaction request information including at least one of account information and transaction authentication information from the financial transaction terminal 1740 and transmits the information through the network means. The financial transaction request information is received in connection with the interface unit 1705, and the received financial transaction request information is provided to the validity verification unit 1725.

The base account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the base account opening system shown in Figure 1, according to the intention of the skilled person Customer information (e.g., account holder's name or customer's CIF (Customer Information File) number corresponding to the supporting account), financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), At least one contact person information (for example, the name of the contact person who opened and is in charge of opening the account, and the contact person code) may be further included.

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

In addition, in the characteristic of the financial transaction system shown in Figure 17, characterized in that the financial transaction for the termination of the ground account is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the ground account It further comprises at least one or more security code information (e.g., one or more security codes, or a combination of two or more security codes) provided on the security card, and / or generated by the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise an OTP code.

In addition, the financial transaction system shown in Figure 17, characterized in that the financial transaction for the termination of the ground account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal (1740) (or Based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1740, or based on at least one encryption key included in the authentication certificate Preferably, the method further includes encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

The validity confirming unit 1725 checks whether the financial transaction request information received from the financial transaction terminal 1740 satisfies the validity for the termination of the underlying account.

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

In addition, the validity of the financial transaction request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords and the underlying account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

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

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1740, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include a, and when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

The information checking unit 1730 first checks whether the linked account is linked to the base account included in the financial transaction request information, and if there is a linked account, further confirms the second base account under the customer's name. The verification result is provided to the financial transaction processing unit 1735.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1735 is connected with the financial system equipped with an account ledger corresponding to the evidence account, and the account information and transaction authentication included in the financial transaction request information. It is characterized in that for processing the financial transaction for the termination of the base account based on the information.

If there is a linked account linked to the dismissal request subject account according to the method of the present invention, the second account account (that is, the financial account in which the remote transaction agreement is set) of the customer's name is connected to the linked account. After that, it is preferable to terminate the ground account requested for termination.

According to another embodiment of the present invention, if there is no linked account connected to the base account for requesting revocation, it is preferable to terminate the requested base account for revocation.

When the financial transaction for the termination of the underlying account is processed by the financial transaction processing unit 1735, the information transmission unit 1720 is connected to the financial transaction processing unit 1735 to perform the financial transaction for the termination of the underlying account. Generate a financial transaction processing history including any one of financial transaction approval history or financial transaction error history for the network; and, in connection with the interface unit 1705, provide financial transaction result information including the financial transaction processing history. It is characterized in that for transmitting to the financial transaction terminal 1740 through.

Here, the transaction details of the financial transaction is characterized in that it comprises the basis account information, characterized in that it further comprises an authorization code (or error code (that is, notification of termination processing)) for the financial transaction. .

In addition, the notification of the cancellation processing can be notified when there is a linked account connected to the base account requested to cancel, and there is no second base account in the customer's name.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1740 through the network means. The financial transaction result information may include the financial transaction. Similar to the request information, or encrypted, or is attached to the electronic signature of the financial institution is preferably transmitted to the financial transaction terminal 1740.

18 is a diagram illustrating a ledger configuration corresponding to a base account included in a financial system for a non-face-to-face financial transaction for the termination of a base account according to an embodiment of the present invention.

More specifically, FIG. 18 shows an account ledger corresponding to the grounded account opened through the grounded account opening system shown in FIG. 1 in the ledger D / B provided in the DBMS on the financial system shown in FIG. As a method of implementation, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 18 to correspond to the grounded account provided in the financial system for the termination of the grounded account. Various implementation methods for the ledger configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and at least one 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. In addition to the customer ledger and account ledger shown in Figure 18, the ledger D / B includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional ledger for maintaining and managing the ledgers. It will be clearly understood that more information is included, and you will be familiar with the specific technical details. It will be omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the grounded account for the termination of the grounded account, and includes a customer information file (CIF) number, a country code, a representative ID, a branch number, a customer classification, a customer name, a customer. Address, Area Code, Telephone Number, Business Number, Trade Name, Classification Code, Expiry 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 , Sector, legal representative, date of first transaction, 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 detailed description thereof will be omitted.

The ledger is a ledger corresponding to the grounded account for the termination of the grounded account, which is linked to the customer ledger in a relational manner, including account number, CIF number, branch number, currency, opening date, status, product type, interest rate, and password. , Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. (Day), periodic reception information including at least one or more of an extension period, an expiration date, and a target amount, and / or an account number corresponding to the account ledger, a deposit amount, par value, pension date, and number of shares. Trust reception information including one or more, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction corresponding to the ledger It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

19 is a diagram illustrating a process of processing a financial transaction for the termination of the base account in a non-face-to-face manner for the termination of the base account in accordance with an embodiment of the present invention.

In more detail, FIG. 19 illustrates a case where the financial transaction server 1700 on the financial transaction system illustrated in FIG. 17 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. The financial transaction including the basis account information and transaction authentication information to the financial transaction server 1700 through the communication channel after connecting to the financial transaction server 1700 and connecting a communication channel for the financial transaction; When the request information is transmitted, the financial transaction server 1700 provides a financial transaction for the termination processing of the base account using the base account information and transaction authentication information included in the received financial transaction request information. As those skilled in the art to which the present invention pertains, those skilled in the art can refer to and / or modify this drawing 19 to Various implementation methods for the process of processing the financial transaction for the termination of the base account in a non-face-to-face manner may be inferred, but the present invention includes all the implementation methods inferred above, the implementation method shown in FIG. It is not limited to this.

Hereinafter, in FIG. 19, the client terminal shown in FIG. 17 is referred to as "terminal" for convenience, and the financial transaction server 1700 shown in FIG. 17 is referred to as "server" for convenience.

Referring to FIG. 19, the terminal shown in FIG. 17 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, and / Or HSDPA-based wireless communication network, and / or the IEEE 802.16x-based portable Internet, etc.) to request the financial transaction for the termination of the base account by accessing the server (1900), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) financial transaction request information including at least one of accounting information and transaction authentication information for the termination of the account, and through the communication channel. Transmitting and outputting to the terminal (1905).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the 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 base account information and transaction authentication information through the user interface (1910).

If the financial transaction request information including the base account information and the transaction authentication information is input (or selected) through the user interface (1915), the terminal is input (or selected) through the communication channel. The basis account information and the transaction authentication information is transmitted to the server (1920), and the basis account information and transaction authentication information input (or selected) through the communication channel in the terminal is transmitted to the server. Preferably, the method further comprises electronically signing and / or encrypting the financial transaction request information input (or selected) through the security module (not shown) provided in the terminal and transmitting the electronic signature and / or encryption to the server.

Here, the base account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the base account opening system shown in Figure 1, the intention of the skilled person Customer information (e.g., account holder's name, or customer's CIF (Customer Information File) number corresponding to the supporting account), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code) ), The contact person information (for example, the name of the person in charge of opening and in charge of the evidence account, the contact person code, etc.) may be further included.

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

In addition, in the characteristic of the financial transaction system shown in Figure 17, characterized in that the financial transaction for the termination of the ground account is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the ground account It is preferable to further include at least one security code information provided in the security card, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

Further, in the characteristic of the financial transaction system shown in FIG. 17, wherein the financial transaction for the termination of the ground account is performed through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal 1740 (or the The financing based on 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 1740, or at least one encryption key included in the authentication certificate. Preferably, the method further includes encrypting the transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

Thereafter, the server receives and reads financial transaction request information including at least one of the base account information and transaction authentication information through the communication channel to confirm the validity of the financial transaction request information (1925). Checking the validity of the 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, decrypt the financial transaction request information, and / Alternatively, the method may further include decoding 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 financial account corresponding to the supporting account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the supporting account is provided. When the account ledger (or the customer ledger corresponding to the supporting account) is provided, the validity of the financial transaction request information is authenticated. It is preferable to be.

In addition, the validity check 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 underlying account corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or associated) with each other, and checking whether the various passwords corresponding to the transaction authentication information match, and requesting the financial transaction if the various passwords corresponding to the transaction authentication information match. 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. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. Security code information corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included on (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the evidence account. It is preferable to include a check whether the match, 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.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1740, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

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

If the validity of the financial transaction request information is not authenticated (1930), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1935), and the communication channel. In operation 1955, the financial transaction result information including the financial transaction processing history is transmitted to the terminal. The terminal outputs the financial transaction result including the financial transaction processing history (1960).

On the other hand, if the validity of the financial transaction request information is authenticated (1930), the server is linked to a financial system equipped with an account ledger corresponding to the evidence account, the account information and transaction authentication information included in the financial transaction request information Based on the processing of the financial transaction for the termination of the base account (1940).

If a financial transaction corresponding to the financial transaction request information is processed (1945), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1950, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel, and in response thereto, the terminal transmits the financial transaction result including the financial transaction processing history. Screen output (1960).

20A and 20B illustrate a process of processing a financial transaction for the termination of a grounded account in a non-face-to-face manner for the termination of the grounded account according to another embodiment of the present invention.

In more detail, FIGS. 20A and 20B illustrate that when the financial transaction system illustrated in FIG. 17 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, and the like, the client terminal transmits predetermined financial transaction request information for the termination of the underlying account to the Internet banking server. And sending the financial transaction request information including transaction authentication information, the financial transaction server 1700 terminates the foundation account by using the basis account information and the transaction authentication information included in the received financial transaction request information. As to a method for providing a financial transaction for the common practice in the art to which the present invention belongs Those skilled in the art may refer to and / or modify the drawings 20a and 20b to infer various implementation methods for processing financial transactions for the termination of the underlying account in a non-face-to-face manner other than the Internet banking. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation and / or Netscape Navigator of Netscape, etc.) provided in the client terminal in FIGS. 20A and 20B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 20a and 20b, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. Financial transactions Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 20a and 20b, a telebanking system And / or a financial transaction corresponding to each non-face-to-face channel for financial transaction processing for the termination of the base account in all other non-face-to-face banking systems of at least one or more including at least one wireless banking system and / or a TV banking system. It would be possible to infer an implementation method of connecting channels, but the present invention is not limited to all kinds of non-inclusive, 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. It includes a face-to-face channel-based financial transactions, the technical configuration of the present invention is shown in Figures 20a and 20b Limited to the case of Net Banking is never.

20A and 20B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 1700 is referred to as a "server" for convenience.

20A and 20B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server communicates between the terminal and the server through the browser. (2005a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (2010a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or 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 (2015a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2025a), or if the terminal does not need to install and / or update the Internet banking security module (2015a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2030a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital 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 the information to be provided to the server for registering financial transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registering financial transaction request information in the terminal. Attach a predetermined digital signature to information (or data) to be Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2035a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, and the server includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data. Data is preferably transmitted electronically and / or encrypted over 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 (2040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (2060a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting the financial transaction request information including at least one of the base account information and transaction authentication information from the terminal to the server to process the internet banking based financial transaction. it means.

Thereafter, the terminal requests an internet banking-based financial transaction for the termination of the base account to the server through the financial transaction channel (2000b), and correspondingly, the server establishes a base account for the termination process of the base account. A web page including a user interface for inputting (or selecting) financial transaction request information including at least one information and transaction authentication information is generated (or extracted) and transmitted to the terminal through the financial transaction channel for output. 2005b).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the 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 base account information and transaction authentication information through the user interface (2010b).

If the financial transaction request information including the basis account information and transaction authentication information is input (or selected) through the user interface (2015b), the terminal inputs (or selects) the financial transaction channel. Transmitting the base account information and the transaction authentication information to the server (2020b), and transmitting the base account information and the transaction authentication information input (or selected) to the server through the financial transaction channel in the terminal; Preferably, the method further comprises electronically signing and / or encrypting the financial transaction request information input (or selected) through a user interface through a security module (not shown) provided in the terminal.

Here, the base account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name opened through the base account opening system shown in Figure 1, the intention of the skilled person Customer information (e.g., the name of the account holder, or the customer's CIF (Customer Information File) number corresponding to the supporting account), financial institution information (e.g. bank name, or bank code), branch information (e.g. Code), and contact person information (eg, name of a contact person who opens and is responsible for opening the account, and a contact person code) may be further included.

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

In addition, in the characteristic of the financial transaction system shown in Figure 17, characterized in that the financial transaction for the termination of the ground account is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the ground account It is preferable to further include at least one security code information provided in the security card, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, the financial transaction system shown in Figure 17, characterized in that the financial transaction for the termination of the ground account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal (1740) (or Based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the financial transaction terminal 1740, or based on at least one encryption key included in the authentication certificate Preferably, the method further includes encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

Thereafter, the server receives and reads financial transaction request information including at least one of the base account information and transaction authentication information through the financial transaction channel to confirm the validity of the financial transaction request information (2025b). Checking the validity of the financial transaction request information, if the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, decrypt the financial transaction request information, and And / or 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 financial account corresponding to the supporting account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the supporting account is provided. When the account ledger (or the customer ledger corresponding to the supporting account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

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

In addition, in the non-face-to-face financial transaction system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. Security code information corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included on (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the evidence account. It is preferable to include a check whether the match, 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.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 17, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1740, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

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

If the validity of the financial transaction request information is not authenticated (2030b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (2035b), and the financial transaction. The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a channel (2055b). In response, the terminal outputs the financial transaction result including the financial transaction processing history (2060b).

On the other hand, if the validity of the financial transaction request information is authenticated (2030b), the server is linked to a financial system equipped with an account ledger corresponding to the underlying account, the account information and transaction authentication information included in the financial transaction request information Based on the processing of the financial transaction for the termination of the base account (2040b).

If a financial transaction corresponding to the financial transaction request information is processed (2045b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (2050b), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial transaction channel (2055b), and the terminal corresponding to the financial transaction result including the financial transaction processing history. Screen is displayed (2060b).

According to the present invention, by operating a remote transaction channel to provide a financial transaction service, there is an advantage that can provide an environment similar to the state of visiting a financial institution to process the financial transaction business.

According to the present invention, by providing a plurality of approval process in the process of processing between the customer and the employee, by utilizing this, there is an advantage that can provide a more secure remote transaction service.

According to the present invention, by recording the call history between the customer and the employee, by using it, there is an advantage that can cope with various problems that may occur when providing a financial transaction service.

Claims (5)

Storing and registering the financial transaction work order information in a storage medium when receiving a financial transaction work order from a customer through a remote transaction channel; When the new financial transaction work order is registered in the storage medium, first checking the validity of the registered contents of the registered financial transaction work order; If the validity of the financial transaction order information registered in the storage medium is first confirmed as a result, requesting a transaction approval for the financial transaction order information; When the transaction approval for the financial transaction work order information is completed, the financial transaction corresponding to the financial transaction work order is processed, and the financial transaction processing result is connected to the financial transaction work order information and stored and registered in the storage medium. Remote transaction service providing method characterized in that it comprises a. The method of claim 1, And when the financial transaction processing corresponding to the financial transaction work instruction of the customer is completed, notifying the customer of a remote transaction processing result including the financial transaction work instruction information and the financial transaction processing result information. Remote transaction service providing method, characterized in that. The method of claim 1, When the financial transaction work order is a transfer transaction request, checking depositing financial account information included in the financial transaction work order information; Confirming whether the confirmed depositing side account is the other financial account; If the check result, the confirmed deposit side account is the current financial account, processing the transfer transaction corresponding to the financial transaction order information, and if the confirmed result, the confirmed deposit side account is another financial account, Notifying the transfer transaction processing corresponding to the financial transaction instruction information; Remote transaction service providing method characterized in that it further comprises. A computer-readable program recording medium, which records a program for executing the method of claim 1. Means for storing and registering the financial transaction order information on a storage medium when receiving a financial transaction order from a customer through a remote transaction channel; Means for first checking the validity of the registered contents of the registered financial transaction instruction when the new financial transaction instruction is registered in the storage medium; Means for requesting a transaction approval for the financial transaction order information when the validity of the financial transaction order information registered in the storage medium is first confirmed; When the transaction approval for the financial transaction work order information is completed, the financial transaction corresponding to the financial transaction work order is processed, and the financial transaction processing result is connected to the financial transaction work order information and stored and registered in the storage medium. Remote transaction service providing system, characterized in that comprises;

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