KR20090124052A - System and method for processing new account after canceling financial goods by using moblie phone and program recording medium - Google Patents

Abstract

PURPOSE: A new process method, a system thereof and a recording media for the same after closing a financial product using a mobile terminal are provided to deposit the other financial product after closing the financial product by using a mobile terminal. CONSTITUTION: An expiration termination object financial product corresponding to the received expiration deregistration request information is terminated(1670). The new process request information is inputted through a user interface(1690). A terminal transmits the new treatment request information through the communications channel to the server(1695). The server establishes financial product corresponding to the received novel treatment request information. The generated information is transmitted to the terminal after generating new process result information.

Description

System and Method for Processing New Account After Canceling Financial Goods by Using Moblie Phone and Program Recording Medium}

1 is a diagram illustrating a face-to-face financial product subscription processing system for visiting a window and joining a new financial product according to one embodiment of the present invention.

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

3A and 3B are diagrams illustrating a process of opening a financial product for a new financial product subscription by visiting a window in a face-to-face manner according to an exemplary embodiment of the present invention.

4A and 4B are diagrams illustrating a process of joining a financial product for new financial product subscription by visiting a window in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a financial product for a new financial product subscription by visiting a window in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a financial product termination registration system for registering a financial product maturity termination service for a financial product newly registered at a window according to an exemplary embodiment of the present invention.

7 is a financial product expiration termination service stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner to register the financial product expiration termination service for the newly registered financial products at the window according to an embodiment of the present invention It is a figure which shows the structure of request information.

FIG. 8 is a view of banking stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for registering a financial product expiration termination service for a financial instrument newly registered at a window according to another embodiment of the present invention. FIG. 8 is a diagram illustrating a product expiration termination service registration request information.

FIG. 9 is a diagram illustrating a financial product expiration termination service registration request information stored in a DBMS provided in a banking server in a face-to-face manner in order to register a financial product expiration termination service for a financial instrument newly registered at a window according to another exemplary embodiment of the present invention. Figure is a diagram.

10A and 10B illustrate a process of registering financial product expiration termination service registration request information in a face-to-face manner according to one embodiment of the present invention.

11A and 11B illustrate a process of registering financial product expiration termination service registration request information in a face-to-face manner according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a system for providing expiration termination service for providing a financial product termination service to a customer who has approved the termination service registration according to another embodiment of the present invention.

13 is an expiry request information structure stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to provide a financial product termination service for the customer who has approved the termination service registration according to an embodiment of the present invention Figure is a diagram.

14 is stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to provide a financial product termination service for the customer approved for the termination service registration according to another embodiment of the present invention It is a figure which shows the structure of the expiration request information.

FIG. 15 is a diagram illustrating the expiration request information configuration stored in a DBMS provided in a banking server in a non-face-to-face manner in order to provide a financial product termination service for a customer who has approved a termination service registration according to another embodiment of the present invention. Drawing.

16A and 16B illustrate a process of registering expiration request information in a non-face-to-face manner to provide a financial product termination service for a customer who has approved the termination service registration according to an embodiment of the present invention.

17A, 17B, and 17C illustrate a process of registering expiration request information through a non-face-to-face financial transaction channel to provide a financial product termination service for a customer who has approved a termination service registration according to an embodiment of the present invention. Figure is shown.

<Description of main parts of drawing>

1200: expiration termination service providing server 1205: interface unit

1210: interface providing unit 1215: information receiving unit

1220: validation unit 1225: electronic document generation unit

1230: electronic document transmission unit 1235: revocation processing unit

1240: financial transaction processing unit 1245: information storage unit

1250: storage medium 1255: electronic document server

1260: electronic document receiving unit 1265: information generating unit

1270: electronic document storage unit 1275: electronic document D / B

1280: customer terminal

The present invention, when the expiration date for the financial products subscribed by the customer, the step of confirming the mobile phone information registered by the customer, the financial product expiration guide information-financial product information, expiration date information, the expiration date financial products If the interest loss information is provided and an approval (or agreement) for the termination of the financial instrument corresponding to the termination of the financial instrument is made through the customer's mobile phone, the termination of the financial instrument subject to termination of the customer Step and, if the termination process of the expiration target financial products held by the customer is normally performed, the information on one or more new target financial products are output to the customer mobile phone, and the customer is new to any one or more of the new target financial products Upon request, all or part of the amount of the terminated financial instrument is selected by the customer. After the termination phase of financial products using mobile phones including the rules for handling such investments or deposits in financial instruments relates to novel processing methods.

Due to the development of the financial industry and the development of information and communication technology, various financial services are combined with information and communication technology.

However, due to the nature of the financial industry, most of the customers visit in person and include the real name verification / certification process, so that the visitor to the financial institution directly is troublesome for the customer using the financial service.

To solve this problem, we open a financial account using internet banking and provide a service to terminate it. However, this is limited to financial accounts opened through internet banking. Financial products still have inconvenient problems.

In addition, when the customer visits the deposit due to expiration from the financial institution's point of view, there is a problem that causes some losses due to the reduction of the financial institution's receipts.

An object of the present invention for solving the above problems is a means for processing the termination of the expiration target financial products held by the customer, if the termination process for the financial product has expired through the customer mobile phone, and the maturity held by the customer If the cancellation processing of the financial instrument to be canceled is normally performed, the mobile phone outputs at least one new target financial product information, and when the customer requests a new one or more of the new financial instruments, the terminated financial instrument The present invention provides a new processing system after termination of a financial product using a mobile phone including a means for processing all or part of the amount to be invested or deposited in a new financial product selected by the customer.

The new processing method after the termination of the financial product using the mobile phone according to the present invention, when the expiration date for the financial product subscribed by the customer, the step of confirming the mobile phone information registered by the customer, and the expiration of the financial product with the confirmed customer mobile phone When the guidance information-financial product information, expiration date information, financial instrument interest loss information after expiration-is provided, and the approval (or consent) for the termination of the financial product corresponding to the financial product termination guidance is made through the customer mobile phone, When the termination of the financial product subject to termination of expiration held by the customer and the termination of the financial instrument subject to expiration of the expiration held by the customer are normally performed, one or more new target financial product information is output to the customer's mobile phone, and the customer is processed. Upon requesting a new one or more of these new target financial instruments, the termination It characterized in that it comprises the step of processing all or part of the amount of the financial product to be invested or deposited in the new financial product selected by the customer.

In addition, it characterized in that it further comprises the step of authenticating the customer or customer mobile phone.

The present invention includes a computer-readable recording medium characterized by recording a program for executing a new processing method after the termination of the financial product using the mobile phone described above.

The new processing system after the termination of the financial product using the mobile phone according to the present invention, the means for processing the termination of the expiration of the financial product held by the customer when the termination processing for the financial product has expired through the customer mobile phone, When the termination processing of the financial instrument subject to termination of expiration held by the customer is normally performed, processing one or more new target financial product information is output to the customer's mobile phone, and when the customer requests a new one of the new target financial products, And a means for processing all or part of the terminated financial product amount to be invested or deposited in the new financial product selected by the customer.

In addition, upon the arrival of the expiration date for the financial products subscribed to by the customer, means for checking the mobile phone information registered by the customer, and processing the message for the expiration of the financial product to the confirmed customer mobile phone; If you access through the included callback URL, the customer's mobile phone will be processed to output the information on the expiration of the financial product information-financial product information, expiration date information, interest loss information on the financial product after the expiration, and through the customer mobile phone to guide the expiration of the financial product Means for obtaining a corresponding financial instrument termination approval (or consent), and upon completion of the financial instrument termination approval (or consent), means for processing the termination of the financial instrument subject to termination of the customer; and If the termination of the financial instrument subject to expiration is successful, one or more When the financial instrument information is output, and when the customer requests a new one or more of the new target financial products, all or part of the terminated financial product amount is processed or invested in the new financial product selected by the customer. Means; comprising a.

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

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

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

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

1 is a diagram illustrating a face-to-face financial product subscription processing system for a new financial product subscription by visiting a window according to an embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined customer prepares a financial product subscription application including at least one of predetermined customer information, financial product information, and expiration date information, and submits it to a window provided at a predetermined financial institution, the financial institution Visits the counter based on the financial product subscription request information corresponding to the financial product subscription application, joins a financial product for new financial product subscription, and stores the financial product subscription information for managing the financial product. Regarding the system configuration to be stored in the medium 190, those skilled in the art to which the present invention pertains, financial products for subscription to new financial products by visiting the window by referring to and / or modifying the drawing 1 Various implementation methods for the configuration of the subscription processing system may be inferred, but the present invention is intended to implement all It includes a method, and is not limited to the embodiment method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may subscribe to a financial product by omitting an implementation method of storing the electronic product subscription request electronic document in the electronic document repository by referring to and / or modifying the drawing 1. It is possible to infer the processing system configuration, and even when the electronic product subscription request electronic document is stored in the electronic document repository, the electronic document repository is stored in the financial product subscription processing system in addition to the implementation method shown in FIG. Although it can be inferred the implementation method provided in the DBMS located, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in Figure 1, in the method for generating the financial product subscription request electronic document, the financial product subscription request electronic document corresponding to the financial product subscription application on the server side on the financial product subscription processing system Although the present invention is illustrated as being generated, the present invention is not limited thereto, and the financial product subscription request electronic document is obtained from a terminal that acquires image content corresponding to the financial product subscription application through a predetermined image acquisition device. It may be generated (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the financial product subscription request electronic document), thereby the present invention is not limited.

Hereinafter, the customer subscribes to the financial product in response to the financial product subscription application and the financial product subscription request information created by the customer through a predetermined financial account opening interface on the financial product subscription processing system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for generating a predetermined financial product subscription request electronic document and storing the electronic document in a predetermined electronic document repository are referred to as " financial company server 100 "

Referring to FIG. 1 according to an embodiment of the present invention, a financial product subscription processing system for visiting a new financial product by visiting the window includes a terminal provided at at least one financial institution branch (or branch). And a terminal device 195, wherein the terminal device 195 is connected to a financial company server 100 provided on the financial product subscription processing system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the window and visits the financial institution branch (branch branch) to join a new financial product, and through the window (or window) provided at the financial institution branch branch (branch branch). Application for a prescribed financial product subscription (for example, a document with a form for visiting at the window and filling in at least one information item for joining a new financial product) by visiting the counter; In this case, it is preferable that the customer seal the customer's seal for the legal basis for the financial instrument subscription application.

Then, when the customer submits the completed financial product subscription application to the window staff, the window staff scans the financial product subscription application through a predetermined image acquisition device to obtain a predetermined image content, and the predetermined window terminal Input (or select) financial product subscription request information including at least one of image content obtained in response to the financial product subscription application, and customer information, financial product information, and expiration date information written in the financial product subscription application; In response, the window terminal preferably transmits the image content and the financial product subscription request information to the financial company server 100 provided on the financial product subscription processing 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 187 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 financial product subscription processing system as described above, an image acquisition device for acquiring image contents corresponding to the financial product subscription application prepared by the customer, the teller terminal used by the employee, the teller terminal and the financial company server 100 The financial network that connects the customer visits the window and performs a function of a financial account opening interface for registering financial product subscription request information for new financial product subscription.

The storage medium 190 provided on the financial product subscription processing system according to the present invention stores the customer information, financial product information, and expiration date information included in the financial product subscription request information provided from the terminal device 195. Characterized in that it stores the financial product subscription information including at least one or more.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). The member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 187 associated with the financial product subscription processing system in response to the customer; It is preferable to include one or more.

The financial product information is the financial product name, sales company name, manager name, initial payment amount, monthly payment amount, monthly payment date, various fees according to the product operation, products for financial products sold by the financial institution that the customer wants to join It is preferable to include at least one or more operating period.

The expiration date information includes the expiration date information based on the membership (or based on a specified date) on the subscription date when the financial product that the customer wants to subscribe to is a financial product that is invested for a certain period of time. It is preferable.

According to one embodiment of the invention, the storage medium 190 is preferably provided in the DBMS on the financial system 187 provided on the financial product subscription processing system (or associated with the financial product subscription processing system). In this case, the storage medium 190 may be a ledger D / B 185 provided in the DBMS on the financial system 187 and / or a predetermined database associated with the ledger D / B 185. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription processing system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

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

According to an 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 187. It may be a ledger server provided on, and / or a server (or device) provided in the external world on the financial system 187, and / or a program provided in the external world on the financial system 187, 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 preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the financial institution server 100 visits the counter when a predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105. Acquiring image contents corresponding to the financial product subscription application prepared by the customer through a predetermined image acquisition device provided in the terminal device 195 for new financial product subscription, and subscribes to the financial product corresponding to the financial product subscription application. Generate (or extract) at least one user interface for inputting (or selecting) request information and transmitting the request information to the financial institution server 100, and the generated user interface in association with the interface unit 105. Interface providing unit 110 (or interface providing means) for providing the terminal device 195 to the terminal device 195 and the user interface in the terminal device 195. When the financial product subscription request information corresponding to the financial product subscription application is input (or selected) through a digital signature, the financial product subscription request information transmitted from the terminal device 195 in connection with the interface unit 105 is transmitted. Information content corresponding to the financial product subscription application written by the customer through the information receiving unit 115 (or information receiving means) for receiving the information, and the image obtaining apparatus based on the user interface in the terminal device 195. Acquiring and transmitting, characterized in that it comprises an image receiving unit 120 (or image receiving means) for receiving the image content corresponding to the financial product subscription application in connection with the interface unit 105.

The interface providing unit 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects to the financial institution server 100 at the counter. When the user requests a user interface for joining a new financial product, an image content corresponding to the financial product subscription application written by the customer is obtained through a predetermined image acquisition device provided in the terminal device 195, and the financial product is acquired. Generate (or select) at least one user interface for inputting (or selecting) financial product subscription request information corresponding to the subscription application to be transmitted to the financial institution server 100 through the financial network, and / or in a predetermined database (not shown). Extract the user interface generated through the financial network in conjunction with the interface unit 105. Characterized in that provided to the terminal device (195).

According to another embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device, and subscribes to the financial product corresponding to the financial product subscription application. When a predetermined information registration program having at least one user interface for inputting (or selecting) request information and transmitting the requested information to the financial institution server 100 through the financial network, the predetermined image obtaining apparatus as described above. A user for acquiring image content corresponding to the financial product subscription application prepared by the customer, inputting (or selecting) financial product subscription request information corresponding to the financial product subscription application, and transmitting the information to the financial company server 100. Interface that generates (or extracts) an interface and provides it to the terminal device 195. The switch providing unit 110 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 195 inputs (or selects) financial product subscription request information including at least one of the customer information, financial product information, and expiration date information through the user interface, and the input (or selected) The financial product subscription request information is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is transmitted from the terminal device 195 in association with the interface unit 105. Characterized in that the financial product subscription request information is received.

In addition, the terminal device 195 obtains the image content corresponding to the financial product subscription application written 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 receiver 120 receives the image content corresponding to the financial product subscription application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image content corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device, and is provided in the terminal device 195 ( Or when the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 may correspond to a financial product subscription application created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select content and transmit the content to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the financial product subscription application in connection with the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, image information corresponding to the financial product subscription application prepared by the customer and the financial product subscription request information corresponding to the financial product subscription application are provided through the user interface in the terminal device 195. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the financial product subscription application and the financial product subscription request information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial company server 100 receives the financial product subscription request information transmitted from the terminal device 195 through the information receiving unit 115, the received financial product subscription request information is displayed. It is characterized in that it comprises a validity check unit 125 (or validity confirming means) for checking whether the visit to the window satisfies the validity for joining a new financial product.

According to an embodiment of the present invention, the validity check of the financial product subscription request information is matched with the financial product subscription request information to the ledger D / B 185 on the financial system 187 associated with the financial product subscription processing system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity check of the financial product subscription request information includes a financial system in which the customer information (customer personal information or member information, etc.) is linked to the financial product subscription processing system among information included in the financial product subscription request information. It is preferably made to check whether the match with the customer ledger stored in the ledger D / B (185) on (187).

In addition, the validity check of the financial product subscription request information, the information contained in the financial product subscription request information, the financial product information is confirmed whether the financial product information available for subscription processing through the financial company server 100 Preferably, for this purpose, it is preferable to include the financial product list information for the financial products that can be subscribed to the financial company server 100.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and subscribes to the financial product through the validity checking unit 125. When the validity of the request information is authenticated, the electronic document generation unit 130 (or electronic document generating means) for generating a predetermined financial product subscription request electronic document including the received image content, and the generated financial product subscription And an electronic document transmission unit 135 (or an electronic document transmission means) for transmitting the request electronic document to the electronic document storage associated with the financial product subscription processing system.

The electronic document generating unit 130 generates a financial product subscription request electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generating unit 130 visits the window as it is, the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is. It is preferable to process the electronic product subscription request for new financial product subscription.

Alternatively, the electronic document generation unit 130 is included in the financial product subscription request information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. Visit the window for an image file corresponding to an image content including at least one of customer information, financial product information, and expiration date information by watermarking, and request the electronic product subscription request electronic document for new financial product subscription. It is desirable to produce.

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 HWP / DOC, web document file including MHT, etc.) It is desirable to generate a financial product subscription request electronic document for new financial product subscription.

Alternatively, the electronic document generation unit 130 is included in the financial product subscription request information received through the information receiving unit 115 to 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, financial product information, and expiration date information in a watermarking manner, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to visit the window and join a new financial product. It is desirable to generate an electronic document requesting a financial instrument subscription.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may receive the image contents and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received financial product subscription request information, or By generating a web document file including MHT), it is preferable to visit the window and generate a financial product subscription request electronic document for new financial product subscription.

Alternatively, the electronic document generation unit 130 is included in the financial product subscription request information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including image information including at least one of customer information, financial product information, and expiration date information by a watermarking method, and including the generated image content and the financial product subscription request information ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to visit and generate an electronic document for requesting a financial instrument to join a new financial instrument.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features to generate a financial product subscription request electronic document in the image file format and / or a predetermined document file format, and The technical features of the file format of the image file and / or the document file corresponding to the electronic product request request electronic document will be familiar, so the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the financial product subscription request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the financial product subscription processing system. It is done.

As shown in FIG. 1, the electronic document repository is connected with a financial company server 100 on the financial product subscription processing system through a predetermined communication means and a predetermined electronic document server 165 and an electronic document D / B 183. When provided to the outside, the electronic document transmission unit 135, the electronic document server 165 through the communication means for the financial product subscription request electronic document generated by the electronic document generation unit 130 It is characterized in that for transmitting.

Here, when the electronic document server 165 and the electronic document D / B (183) is provided outside the financial product subscription processing system, the electronic document server 165 and the electronic document D / B (183) It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product subscription processing system, the electronic document transmitting unit 135 is generated by the electronic document generating unit 130. The financial product subscription request electronic document may be stored in the electronic document D / B 183 corresponding to the electronic document storage on the DBMS provided in the financial product subscription processing system, and thus the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document related information for generating predetermined electronic document management information in the electronic document server (165) (for example, financial products corresponding to the image content) The information on the financial institution that transmits the financial instrument subscription request electronic document, and / or the electronic document file format information, and / or the financial product subscription request information, etc.); It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial company server 100 visits the counter through the validity checking unit 125 and receives the financial product subscription request information received through the information receiving unit 115. When the authentication, the information generation unit 140 (information generating means) for generating the financial account information based on the customer information, financial product information, expiration date information included in the financial product subscription request information is validated, and It is characterized in that it comprises an account opening section 145 (or account opening means) for opening and processing a financial account of the customer name including the financial account information.

When the validity of the financial product subscription request information is confirmed by the validity confirming unit 125, the information generation unit 140 is based on customer information, financial product information, and expiration date information included in the financial product subscription request information. It characterized in that for generating the financial account information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the financial product established based on the financial product subscription request information. When the financial product 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 customer information included in the financial account opening application information in connection with the financial system 187 (or checks the customer ledger that is matched with the customer information. 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 financial product subscription request information. It is characterized by opening a predetermined financial account for visiting new financial products to visit.

When the financial company server 100 and the financial system 187 are present in the same system according to an exemplary embodiment of the present invention, the account opening unit 145 is linked with the financial system 187 in the 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 187 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 187 to generate a predetermined account ledger including the financial account information through the external system on the financial system 187.

Referring to FIG. 1, the financial company server 100 visits the counter through the validity checking unit 125 and receives the financial product subscription request information received through the information receiving unit 115. When the authentication is authenticated, information storage for storing the financial product subscription information including at least one or more of the customer information, the financial product information, and the expiration date information included in the validity-certified financial product subscription request information in a predetermined storage medium 190 It is characterized by comprising a unit 150 (or information storage means).

When the validity confirmation unit 125 confirms the validity of the financial product subscription request information, the information storage unit 150 includes the customer information, financial product information, and expiration date information included in the financial product subscription request information. And storing the financial product subscription information including at least one of the information in the storage medium 190.

According to an exemplary embodiment of the present invention, when the storage medium 190 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 be configured as the storage medium 190. Preferably, the storage medium 190 stores the financial product subscription information including at least one of the customer information, the financial product information, and the expiration date information included in the received financial product subscription request information.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 187, the information storage unit 150 is included in the received financial product subscription request information. The financial product subscription information including at least one of the customer information, financial product information, and expiration date information is provided to the information system through an external system on the financial system 187 and stored in a DBMS provided on the financial system 187. desirable.

Referring to FIG. 1, the financial company server 100 corresponds to a newly opened financial product through the account opening unit 145 and checks whether the financial product has expired or not. Confirmation means) and an information transmission unit 160 (or information transmission means) for transmitting the expiration guidance information to the communication means of the customer who holds the financial product, when the expiration date of the financial product arrives, Characterized in that made.

The information checking unit 155 checks whether the expiration date for the newly opened financial product is reached through the account opening unit 145.

According to the implementation method of the present invention, whether the expiration of the opened financial product is confirmed, among the one or more financial products opened through the financial product server, connected to the financial product information stored in the storage medium 190 It is preferable to check the expiration date information (or included in the financial instrument information) to confirm whether the financial instrument has expired.

When the information transmission unit 160 confirms whether the expiration of the financial product is confirmed through the information confirming unit 155, the information transmission unit 160 transmits the financial product expiration guide information to the communication means of the customer who holds the financial product that has reached the expiration date. Characterized in that the transmission.

According to the implementation method of the present invention, the financial product expiration guidance information is the expiration target financial product information, the expiration date information of the financial product, and if the financial product has not expired, It is preferable to include at least one interest loss information after the expiration of the financial instrument.

Herein, the communication means of the customer may include one or more Short Message Service (SMS) communication means, a Multimedia Message Service (MMS) communication means, an email communication means, an ARS (Advanced Recorded System) communication means, and the like.

In addition, the expiration target financial product information, preferably comprises at least one or more of the product name, membership, payment period, payment date, etc. for the financial instrument has reached maturity.

In addition, the expiration date information of the financial product, it is preferable to include the expiration date information for the target financial instruments.

In addition, the interest loss information after the expiration of the financial instrument, it is preferable to include the difference between the interest paid to the maturity date and the interest paid after the maturity of the financial instrument.

Referring to FIG. 1, an electronic document that receives a predetermined financial product subscription request electronic document from the financial company server 100 provided on the financial product subscription processing system and stores and manages the electronic document D / B 183 in a predetermined electronic document D / B 183. The document server 165 may include an electronic document receiving unit 170 (or an electronic document receiving unit) for receiving a predetermined financial product subscription request electronic document from the financial institution server 100 through a predetermined communication unit, and the received financial unit. An information generation unit 175 (or information generating means) for generating predetermined electronic document management information for storing and managing a product subscription request electronic document in the electronic document D / B 183, and the electronic document management information; And an electronic document storage unit 180 (or electronic document storage means) for linking and processing the financial product subscription request electronic document and storing the electronic document in the predetermined electronic document D / B 183.

The electronic document receiving unit 170 may receive an electronic document subscription 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 an exemplary embodiment of the present invention, the financial product subscription request electronic document received by the electronic document receiving unit 170 through the communication means may include image content received by the financial company server 100 from the terminal device 195. It is preferable that the image file is included as it is.

Alternatively, the financial product subscription request electronic document received by the electronic document receiving unit 170 through the communication means may include the financial product subscription request information 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, financial product information, expiration date information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial product subscription request electronic document received by the electronic document receiving unit 170 through the communication means is an image content received by the financial company 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 financial product subscription request electronic document received by the electronic document receiver 170 through the communication means may be included in the financial product subscription request information on 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 or EDI (Electronic) containing image content including at least one or more of the included customer information, financial product information, and expiration date information in a watermarking manner). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial product subscription request electronic document received by the electronic document receiving unit 170 through the communication means is an image received by the financial company server 100 from the terminal device 195. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing a content and the financial product subscription request information; Or a web document file including the MHT).

Alternatively, the financial product subscription request electronic document received by the electronic document receiver 170 through the communication means may be included in the financial product subscription request information on the image content received by the financial institution server 100 from the terminal device 195. Image content including at least one or more of the included customer information, financial product information, and expiration date information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document Format) including the financial product subscription request information. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 175 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product subscription request electronic document received through the electronic document receiving unit 170, and through the electronic document receiving unit 170 And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial instrument subscription request electronic document was received (or a date and time at which the financial instrument subscription request electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generator 175 subscribes to the financial product by referring to the financial company server 100 that has transmitted the financial product subscription request electronic document received through the electronic document receiver 170. It is preferable to identify the financial institution that has sent the requested electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 170, the information generating unit 175 may receive the received electronic document. Document-related information (e.g., customer information for preparing a financial product subscription application corresponding to the image content, and / or financial institution information for transmitting the financial product subscription request electronic document, and / or electronic document file format information, and / or It is preferable to generate electronic document management information further comprising the financial product subscription request information, etc.).

The electronic document storage unit 180 associates a financial product subscription request electronic document received through the electronic document receiving unit 170 with electronic document management information generated through the information generating unit 175 to process a predetermined electronic document. The document D / B 183 may be stored.

According to an exemplary embodiment of the present invention, the financial product subscription request electronic document stored in the electronic document D / B 183 by the electronic document storage unit 180 is configured by the financial institution server 100 in the terminal device 195. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the financial product subscription request electronic document stored in the electronic document D / B 183 by the electronic document storage unit 180 may be applied to 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, financial product information, expiration date information included in the financial product subscription request information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial product subscription request electronic document stored in the electronic document D / B 183 by the electronic document storage unit 180 is configured by the financial institution server 100 in the terminal device 195. 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 financial product subscription request electronic document stored in the electronic document D / B 183 by the electronic document storage unit 180 corresponds to the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, Portable Document Format (PDF)) containing image content including at least one or more of customer information, financial product information, and expiration date information included in the financial product subscription request information by a watermarking method. File, or 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 an MHT.

According to another exemplary embodiment of the present invention, the financial product subscription request electronic document stored in the electronic document D / B 183 is stored in the electronic document storage unit 180 by the financial company server 100. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the 195 and the financial product subscription request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the financial product subscription request electronic document stored in the electronic document D / B 183 by the electronic document storage unit 180 corresponds to the image content received by the financial institution server 100 from the terminal device 195. Image content including at least one or more of customer information, financial product information, and expiration date information included in the financial product subscription request information by a watermarking method, and a predetermined document file including the financial product subscription request information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to the method of the present invention, the electronic document management information stored in the electronic document D / B (183) by the electronic document storage unit 180 is processed in connection with the financial product subscription request electronic document, the financial product subscription Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the request electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 183 by processing the electronic document storage unit 180 in conjunction with the financial product subscription request electronic document is the financial product. The financial institution server 100 that has transmitted the subscription request electronic document is preferably made to further include information on the financial institution that has transmitted the financial product subscription request electronic document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial company server 100, the electronic document storage unit 180 processes the connection with the financial product subscription request electronic document and the The electronic document management information stored in the electronic document D / B 183 may include the received electronic document related information (for example, customer information for preparing a financial product subscription application corresponding to the image content, and / or the financial product subscription request). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the financial product subscription request information, etc.).

2 is a diagram illustrating an implementation method in which a storage medium 190 for storing financial product subscription information corresponding to a financial product opened in a face-to-face manner is provided in a DBMS on a financial system 187 according to an exemplary embodiment of the present invention. to be.

In more detail, in FIG. 2, the storage medium 190 shown in FIG. 1 is provided in the ledger D / B 185 provided in the DBMS on the financial system 187, or in the ledger D / B 185. In this case, the information structure for one embodiment of the financial product subscription information is stored in the ledger information provided in the ledger D / B (185), if the person of ordinary skill in the art By referring to and / or modifying FIG. 2, various information construction methods for storing the financial instrument subscription information in the ledger D / B 185 may be inferred, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG. 2 only.

Referring to FIG. 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 187 is associated with a predetermined ledger and the ledger. An account ledger corresponding to a financial account opened through the financial product subscription processing system shown in FIG. 1 and at least one information associated with the account ledger are included. If you have a person, the ledger D / B 185 provided in the DBMS on the financial system 187 has at least one ledger (for example, receiving ledger, loan ledger, collateral) in addition to the customer ledger and account ledger shown in FIG. Ledger, ... etc.) and / or at least one additional information for maintaining and managing the ledgers, and Since you will be familiar with the details, detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 2, the storage medium 190 includes the ledger D / B 185 or an implementation method provided in the ledger D / B 185 according to an embodiment of the present invention. Additional information to be added to the account ledger, financial product subscription information including at least one of the customer information, financial product information, expiration date information included in the financial product subscription request information provided through the financial product subscription processing system shown in FIG. It is characterized in that it is stored in the form.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). The member ID information, CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system 187 associated with the financial product subscription processing system in response to the customer; It is preferable to include one or more.

The financial product information includes at least one initial payment amount, monthly payment amount, monthly payment date, various fees according to product operation, product operation period, etc. for financial products or derivative financial products sold by a financial institution that the customer wants to join. It is preferable to comprise as mentioned above.

The expiration date information includes the expiration date information based on the membership (or based on a specified date) on the subscription date when the financial product that the customer wants to subscribe to is a financial product that is invested for a certain period of time. It is preferable.

According to another exemplary embodiment of the present invention, the financial product subscription request information may be stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, a 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.

3A and 3B illustrate a process of opening a financial product for subscription to a new financial product by visiting a window in a face-to-face manner according to an exemplary embodiment of the present invention.

3a and 3b show a terminal terminal 195 on a financial product subscription processing system shown in FIG. 1, which is provided at a financial institution branch (or branch), and the financial company server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 187 associated with a teller terminal through a financial network of a customer, a predetermined customer visits the teller and joins a financial instrument for a new financial instrument subscription. When a financial product subscription application including at least one of customer information, financial product information, and expiration date information is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product subscription application. Specifically, when the customer completes the financial product subscription application form and submits it to the window, After obtaining the predetermined image content corresponding to the financial product subscription application through the obtaining device and transmitting to the financial company server 100, input (or select) the financial product subscription request information corresponding to the financial product subscription application If the financial company server 100 is transmitted to the financial company server 100, the financial company server 100 performs subscription processing on the financial product based on the financial product subscription request information including at least one of the customer information, financial product information, and expiration date information. The method is shown.

Those skilled in the art to which the present invention pertains, various implementations of registering the financial product subscription request information with the financial company server 100 at the window terminal by referring to and / or modified in the drawings 3a and 3b. 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. 3A and 3B.

For example, although the implementation method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the financial product subscription application and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image content corresponding to the financial product subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial product subscription request information corresponding to the financial product subscription 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.

3A and 3B, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in FIG. 1 is referred to as "server" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer visits a counter and prepares and submits a financial product subscription application including at least one of customer information, financial product information, and expiration date information for joining a new financial product, When the window terminal shown in 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, the window terminal visits a window corresponding to the financial product subscription application and requests a user interface for new financial product subscription. In response thereto, the server generates a user interface for acquiring the predetermined image content corresponding to the financial product subscription application written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server (or Extract (305) the user interface generated (or extracted) through the financial network. And it transmits the output words 310. [

Thereafter, the terminal acquires image content corresponding to the financial product subscription application through a predetermined image acquisition device based on the user interface (315).

If image content corresponding to the financial product subscription application is obtained through the image acquisition device (320), the terminal transmits the acquired image content to the server through the financial network (325).

Thereafter, the server inputs (or selects) financial product subscription request information including at least one of customer information, financial product information, and expiration date information corresponding to the financial product subscription application matching the image content, and transmits the information to the server. A user interface is generated (or extracted) for the user interface 330, and the generated (or extracted) user interface is transmitted to the terminal through the financial network (335).

Thereafter, the terminal inputs (or selects) financial product subscription request information including at least one of the customer information, financial product information, and expiration date information through the user interface (340).

If the financial product subscription request information including at least one of the customer information, the financial product information, and the expiration date information is input (or selected) through the user interface (345), the terminal transmits the information to the server through the financial network. Input (or select) the financial product subscription request information is transmitted (350).

Thereafter, the server receives and reads the financial product subscription request information including at least one of the customer information, the financial product information, and the expiration date information through the financial network to check the validity of the financial product subscription request information (355). ).

According to an embodiment of the present invention, the validity check of the financial product subscription request information is matched with the financial product subscription request information to the ledger D / B 185 on the financial system 187 associated with the financial product subscription processing system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity check of the financial product subscription request information includes a financial system in which the customer information (customer personal information or member information, etc.) is linked to the financial product subscription processing system among information included in the financial product subscription request information. It is preferably made to check whether the match with the customer ledger stored in the ledger D / B (185) on (187).

In addition, the validity check of the financial product subscription request information, the information contained in the financial product subscription request information, the financial product information is confirmed whether the financial product information available for subscription processing through the financial company server 100 Preferably, for this purpose, it is preferable to include the financial product list information for the financial products that can be subscribed to the financial company server 100.

If the validity of the financial product subscription request information is not authenticated (360), the server generates predetermined financial account error information and transmits it to the terminal (365), and the financial product corresponding to the financial product subscription request information Do not perform the sign up process.

On the other hand, if the validity of the financial product subscription request information is verified (360), the server generates a predetermined financial product subscription request electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server visits an image file including the image content received from the terminal device 195 via the image receiving unit 120 as it is to visit the window for new financial product subscription. It is preferable to process the electronic document requesting to join a financial product.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. It is preferable to generate a financial product subscription request electronic document for new financial product subscription by visiting an image file corresponding to the image content including at least one or more information of the expiration date in a watermarking manner.

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 of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document for the financial instrument subscription request.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. , Generating image contents including at least one or more of the expiration date information in a watermarking manner, and generating a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like to visit the window and request to join a financial product for new financial product subscription. It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the financial product subscription request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the electronic product subscription request electronic document for the new financial product subscription by visiting the window.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generating an image content including at least one or more information of an expiration date by a watermarking method, and a predetermined document file (for example, PDF (Portable Document) including the generated image content and the financial product subscription request information). Format file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is preferable to generate an electronic document for requesting a financial instrument to join.

Those skilled in the art to which the present invention pertains include technical features that the server generates a financial product subscription request electronic document in an image file format and / or a predetermined document file format, and the financial product subscription 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 financial product subscription request electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 165 and an electronic document D / B 183 associated with a server on the financial product subscription processing system through predetermined communication means. When provided externally, the server preferably transmits the generated financial product subscription request electronic document to the electronic document server 165 through the communication means to store in the electronic document D / B (183). .

Or, if the electronic document storage is provided on the DBMS provided in the financial product subscription processing system, the server is the electronic document on the DBMS provided in the financial product subscription processing system for the generated financial product subscription request electronic document It is possible to store in the electronic document D / B 183 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, storing the financial product subscription request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial product subscription request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (183).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial product subscription request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the financial product subscription request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial product subscription application corresponding to the image content, and / or financial institution information for transmitting the financial product subscription request electronic document, and And / or electronic document file format information, and / or the financial instrument subscription request information).

If the financial product subscription request electronic document is stored in the electronic document repository (380), the server generates the financial account information based on the customer information, financial product information, expiration date information included in the financial product subscription request information. (385).

Herein, the financial account information may include an account number and an interest rate information corresponding to the financial product established based on the financial product subscription request information. When the financial product 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 connects the financial account of the customer name including the financial account information based on the customer information, the financial product information, and the expiration date information included in the financial product subscription request information in connection with the financial system 187. Open process (390).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 187 (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 financial product subscription request information. By visiting the window, it is characterized in that the opening of a predetermined financial account for new financial product subscription.

When the server and the financial system 187 are present in the same system according to an embodiment of the present invention, the server may link the financial account information to the ledger D / B 185 in association with the financial system 187. 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 187 exist on another system connected through a predetermined communication means, the server is connected to the financial system 187 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 187 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates and stores the financial product subscription information including at least one of the customer information, the financial product information, and the expiration date information included in the financial product subscription request information in a predetermined storage medium 190 (395).

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the server or on a network associated with the server, the server includes the customer information included in the received financial product subscription request information. And the financial product subscription information including at least one financial product information and an expiration date information, in the storage medium 190.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 187, the server includes the customer information and the financial information included in the received financial product subscription request information. The financial product subscription information including at least one of product information and expiration date information is preferably provided to the information system through an external system on the financial system 187 and stored in a DBMS provided on the financial system 187.

Thereafter, the server stores predetermined financial account opening history information (eg, the financial product subscription details, and / or the details of storing the financial product subscription request electronic document in the electronic document repository, and / or the storage medium 190). The details of storing the financial product subscription request information) are generated (or extracted) and transmitted to the terminal (399).

According to one embodiment of the invention, the storage medium 190 is preferably provided in the DBMS on the financial system 187 provided on the financial product subscription processing system (or associated with the financial product subscription processing system). In this case, the storage medium 190 may be a ledger D / B 185 provided in the DBMS on the financial system 187 and / or a predetermined database associated with the ledger D / B 185. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription processing system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

4A and 4B are diagrams illustrating a financial product subscription process for a new financial product subscription by visiting a window in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show the terminal device 195 on the financial product subscription processing system shown in FIG. 1 provided at a financial institution branch (or branch), and the financial company server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 187 associated with a teller terminal through a financial network of a customer, a predetermined customer visits the teller and joins a financial instrument for a new financial instrument subscription. When a financial product subscription application including at least one of customer information, financial product information, and expiration date information is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product subscription application. Specifically, when the customer completes the financial product subscription application form and submits it to the window, the window terminal receives the financial After inputting (or selecting) the financial product subscription request information corresponding to the subscription application to the financial institution server 100, the predetermined image content corresponding to the financial product subscription application is obtained through a predetermined image acquisition device. If the financial company server 100 is transmitted to the financial company server 100, the financial company server 100 performs subscription processing on the financial product based on the financial product subscription request information including at least one of the customer information, financial product information, and expiration date information. The method is shown.

Those skilled in the art to which the present invention pertains, various implementations to register the financial product subscription request information to the financial company server 100 in the window terminal by referring to and / or modified in the drawings 4a and 4b. 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. 4A and 4B.

For example, although the implementation method shown in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the financial product subscription application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 4A and 4B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the financial product subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial product subscription request information corresponding to the financial product subscription 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 4a and 4b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Fig. 1 is referred to as "server" for convenience, and said teller terminal said The customer information, the financial product information, and the expiration date information transmitted to the financial institution server 100 are referred to as "financial product subscription request information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer visits a counter and prepares and submits a financial product subscription application including at least one of customer information, financial product information, and expiration date information for joining a new financial product, When the window terminal shown in 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, the window terminal visits a window corresponding to the financial product subscription application and requests a user interface for new financial product subscription. In response, the server inputs (or selects) financial product subscription request information including at least one of customer information, financial product information, and expiration date information corresponding to the financial product subscription application prepared by the customer. Generate (or extract) a user interface for transmission to a network (405), and generate (or extract) through the financial network And outputs to the output) the user interface transmitted to the mobile station 410. The

Thereafter, the terminal inputs (or selects) financial product subscription request information including at least one of the customer information, financial product information, and expiration date information through the user interface (415).

If the financial product subscription request information including at least one of the customer information, the financial product information, and the expiration date information is input (or selected) through the user interface (420), the terminal transmits the information to the server through the financial network. The input (or selected) financial instrument subscription request information is transmitted (425).

Thereafter, the server receives and reads the financial product subscription request information including at least one of the customer information, financial product information, and expiration date information through the financial network, and confirms the validity of the financial product subscription request information (430). ).

According to an embodiment of the present invention, the validity check of the financial product subscription request information is matched with the financial product subscription request information to the ledger D / B 185 on the financial system 187 associated with the financial product subscription processing system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity check of the financial product subscription request information includes a financial system in which the customer information (customer personal information or member information, etc.) is linked to the financial product subscription processing system among information included in the financial product subscription request information. It is preferably made to check whether the match with the customer ledger stored in the ledger D / B (185) on (187).

In addition, the validity check of the financial product subscription request information, the information contained in the financial product subscription request information, the financial product information is confirmed whether the financial product information available for subscription processing through the financial company server 100 Preferably, for this purpose, it is preferable to include the financial product list information for the financial products that can be subscribed to the financial company server 100.

If the validity of the financial product subscription request information is not authenticated (435), the server generates predetermined financial account error information and transmits it to the terminal (440), the financial product corresponding to the financial product subscription request information Do not perform the sign up process.

On the other hand, if the validity of the financial product subscription request information is authenticated (435), the server acquires predetermined image contents corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device in the terminal to obtain the server. A user interface for transmitting to the terminal is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the financial product subscription application through a predetermined image acquisition device based on the user interface (455).

If image content corresponding to the financial product subscription application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (465).

The server receiving the financial product subscription request information and the image content from the terminal generates a predetermined financial product subscription request electronic document including the image content (470).

According to an exemplary embodiment of the present invention, the server visits an image file including the image content received from the terminal device 195 via the image receiving unit 120 as it is to visit the window for new financial product subscription. It is preferable to process the electronic document requesting to join a financial product.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. It is preferable to generate a financial product subscription request electronic document for new financial product subscription by visiting an image file corresponding to the image content including at least one or more information of the expiration date in a watermarking manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the terminal device 195 through the image receiving unit 120). File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document for the financial instrument subscription request.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. , Generating image contents including at least one or more of the expiration date information in a watermarking manner, and generating a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like to visit the window and request to join a financial product for new financial product subscription. It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the financial product subscription request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to visit the window and generate a financial product subscription request electronic document for new financial product subscription.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generating an image content including at least one or more information of an expiration date by a watermarking method, and a predetermined document file (for example, PDF (Portable Document) including the generated image content and the financial product subscription request information). Format file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is preferable to generate an electronic document for requesting a financial instrument to join.

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

Thereafter, the server stores the generated financial product subscription request electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 165 and an electronic document D / B 183 associated with a server on the financial product subscription processing system through predetermined communication means. When provided externally, the server preferably transmits the generated financial product subscription request electronic document to the electronic document server 165 through the communication means to store in the electronic document D / B (183). .

Or, if the electronic document storage is provided on the DBMS provided in the financial product subscription processing system, the server is the electronic document on the DBMS provided in the financial product subscription processing system for the generated financial product subscription request electronic document It is possible to store in the electronic document D / B 183 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, storing the financial product subscription request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial product subscription request electronic document and predetermined electronic document management information It is preferable to include storing the electronic document D / B (183).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial product subscription request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the financial product subscription request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial product subscription application corresponding to the image content, and / or financial institution information for transmitting the financial product subscription request electronic document, and And / or electronic document file format information, and / or the financial instrument subscription request information).

If the financial product subscription request electronic document is stored in the electronic document repository (480), the server generates the financial account information based on the customer information, financial product information, expiration date information included in the financial product subscription request information (485).

Herein, the financial account information may include an account number and an interest rate information corresponding to the financial product established based on the financial product subscription request information. When the financial product 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 connects the financial account of the customer name including the financial account information based on the customer information, the financial product information, and the expiration date information included in the financial product subscription request information in connection with the financial system 187. Opening process (490).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 187 (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 financial product subscription request information. By visiting the window, it is characterized in that the opening of a predetermined financial account for new financial product subscription.

When the server and the financial system 187 are present in the same system according to an embodiment of the present invention, the server may link the financial account information to the ledger D / B 185 in association with the financial system 187. 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 187 exist on another system connected through a predetermined communication means, the server is connected to the financial system 187 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 187 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates and stores the financial product subscription information including at least one of the customer information, the financial product information, and the expiration date information included in the financial product subscription request information in a predetermined storage medium 190 (495).

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the server or on a network associated with the server, the server includes the customer information included in the received financial product subscription request information. And the financial product subscription information including at least one financial product information and an expiration date information, in the storage medium 190.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 187, the server includes the customer information included in the received financial product subscription request information. The financial product subscription information including at least one financial product information and an expiration date information is preferably provided to the information system through an external system on the financial system 187 and stored in a DBMS provided on the financial system 187.

Thereafter, the server sets predetermined financial account opening history information (eg, the financial product opening history, and / or the details of storing the financial product subscription request electronic document in the electronic document repository, and / or the storage medium 190). The details of storing the financial product subscription request information) are generated (or extracted) and transmitted to the terminal (499).

According to one embodiment of the invention, the storage medium 190 is preferably provided in the DBMS on the financial system 187 provided on the financial product subscription processing system (or associated with the financial product subscription processing system). In this case, the storage medium 190 may be a ledger D / B 185 provided in the DBMS on the financial system 187 and / or a predetermined database associated with the ledger D / B 185. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription processing system, And / or it is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

5A and 5B illustrate a process of opening a financial product for new financial product subscription by visiting a window in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B show a terminal terminal in which a terminal device 195 on the financial product subscription processing system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 187 associated with a teller terminal through a financial network of a customer, a predetermined customer visits the teller and joins a financial instrument for a new financial instrument subscription. When a financial product subscription application including at least one of customer information, financial product information, and expiration date information is prepared and submitted, the financial institution subscribes to the financial product in a face-to-face manner based on the financial product subscription application. Specifically, when the customer completes the financial product subscription application form and submits it to the window, After acquiring predetermined image content corresponding to the financial product subscription application through an acquisition device, inputting (or selecting) financial product subscription request information corresponding to the financial product subscription application, and then registering the image content and the financial product subscription. When the request information is transmitted to the financial company server 100, the financial company server 100 subscribes to the financial product based on the financial product subscription request information including at least one of the customer information, financial product information, and expiration date information. The implementation method to process is shown.

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

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

In addition, in the implementation method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial product subscription request information corresponding to the financial product subscription 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, whereby the present invention is not limited.

Hereinafter, the window terminal shown in FIG. 1 in FIGS. 5A and 5B will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience. The customer information, the financial product information, and the expiration date information transmitted to the financial institution server 100 are referred to as "financial product subscription request information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer visits a counter and prepares and submits a financial product subscription application including at least one of customer information, financial product information, and expiration date information to join a new financial product, When the window terminal shown in 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, the window terminal visits a window corresponding to the financial product subscription application and requests a user interface for new financial product subscription. In response, the server inputs (or selects) financial product subscription request information corresponding to the financial product subscription application prepared by the customer in the terminal, and inputs the financial product subscription application through a predetermined image acquisition device. Generating a user interface for acquiring the corresponding predetermined image content and transmitting the same to the server; Extraction) and 505, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (510).

Thereafter, the terminal inputs (or selects) financial product subscription request information including at least one of the customer information, financial product information, and expiration date information through the user interface (515).

If the financial product subscription request information including at least one of the customer information, the financial product information, and the expiration date information is input (or selected) through the user interface (520), the terminal displays a predetermined image based on the user interface. The image content corresponding to the financial product subscription application is obtained through the obtaining apparatus (525).

If image content corresponding to the financial product subscription application is obtained through the image acquisition device (530), the terminal transmits the financial product subscription request information and image content to the server through the financial network (535). .

Thereafter, the server receives and reads the financial product subscription request information including at least one of the customer information, the financial product information, and the expiration date information through the financial network, and confirms the validity of the financial product subscription request information (540). ).

According to an embodiment of the present invention, the validity check of the financial product subscription request information is matched with the financial product subscription request information to the ledger D / B 185 on the financial system 187 associated with the financial product subscription processing system. It is preferable to include whether the at least one ledger information is registered.

For example, the validity check of the financial product subscription request information includes a financial system in which the customer information (customer personal information or member information, etc.) is linked to the financial product subscription processing system among information included in the financial product subscription request information. It is preferably made to check whether the match with the customer ledger stored in the ledger D / B (185) on (187).

In addition, the validity check of the financial product subscription request information, the information contained in the financial product subscription request information, the financial product information is confirmed whether the financial product information available for subscription processing through the financial company server 100 Preferably, for this purpose, it is preferable to include the financial product list information for the financial products that can be subscribed to the financial company server 100.

If the validity of the financial product subscription request information is not authenticated (545), the server generates predetermined financial account error information and transmits it to the terminal (550), and the financial product corresponding to the financial product subscription request information. Do not perform the sign up process.

On the other hand, if the validity of the financial product subscription request information is authenticated (545), the server generates a predetermined financial product subscription request electronic document including the image content (555).

According to an exemplary embodiment of the present invention, the server visits an image file including the image content received from the terminal device 195 via the image receiving unit 120 as it is to visit the window for new financial product subscription. It is preferable to process the electronic document requesting to join a financial product.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. It is preferable to generate a financial product subscription request electronic document for new financial product subscription by visiting an image file corresponding to the image content including at least one or more information of the expiration date in a watermarking manner.

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 of HWP / DOC, or a web document file including an MHT), to visit the window for subscription of a new financial product. It is desirable to create an electronic document requesting to join a financial instrument.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. , Generating image contents including at least one or more of the expiration date information in a watermarking manner, and generating a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like to visit the window and request to join a financial product for new financial product subscription. It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the financial product subscription request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to visit the window and generate a financial product subscription request electronic document for new financial product subscription.

Alternatively, the server may include customer information and financial product information included in the financial product subscription request information received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120. And generating an image content including at least one or more information of an expiration date by a watermarking method, and a predetermined document file (for example, PDF (Portable Document) including the generated image content and the financial product subscription request information). Format file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like. It is preferable to generate an electronic document for requesting a financial instrument to join.

Those skilled in the art to which the present invention pertains include technical features that the server generates a financial product subscription request electronic document in an image file format and / or a predetermined document file format, and the financial product subscription 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 financial product subscription request electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 165 and an electronic document D / B 183 associated with a server on the financial product subscription processing system through predetermined communication means. When provided externally, the server preferably transmits the generated financial product subscription request electronic document to the electronic document server 165 through the communication means to store in the electronic document D / B (183). .

Or, if the electronic document storage is provided on the DBMS provided in the financial product subscription processing system, the server is the electronic document on the DBMS provided in the financial product subscription processing system for the generated financial product subscription request electronic document It is possible to store in the electronic document D / B 183 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, storing the financial product subscription request electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial product subscription request electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (183).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the financial product subscription request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the financial product subscription request electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial product subscription application corresponding to the image content, and / or financial institution information for transmitting the financial product subscription request electronic document, and And / or electronic document file format information, and / or the financial instrument subscription request information).

If the financial product subscription request electronic document is stored in the electronic document repository (565), the server generates the financial account information based on the customer information, financial product information, expiration date information included in the financial product subscription request information. 570.

Herein, the financial account information may include an account number and an interest rate information corresponding to the financial product established based on the financial product subscription request information. When the financial product 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 connects the financial account of the customer name including the financial account information based on the customer information, the financial product information, and the expiration date information included in the financial product subscription request information in connection with the financial system 187. Open process (575).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the application for opening a financial account in connection with the financial system 187 (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 financial product subscription request information. By visiting the window, it is characterized in that the opening of a predetermined financial account for new financial product subscription.

When the server and the financial system 187 are present in the same system according to an embodiment of the present invention, the server may link the financial account information to the ledger D / B 185 in association with the financial system 187. 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 187 exist on another system connected through a predetermined communication means, the server is connected to the financial system 187 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 187 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates and stores the financial product subscription information including at least one of the customer information, the financial product information, and the expiration date information included in the financial product subscription request information in a predetermined storage medium 190 (580).

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the server or on a network associated with the server, the server includes the customer information included in the received financial product subscription request information. And the financial product subscription information including at least one financial product information and an expiration date information, in the storage medium 190.

According to another exemplary embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 187, the server includes the customer information and the financial information included in the received financial product subscription request information. The financial product subscription information including at least one of product information and expiration date information is preferably provided to the information system through an external system on the financial system 187 and stored in a DBMS provided on the financial system 187.

Thereafter, the server stores predetermined financial account opening history information (eg, the financial product subscription details, and / or the details of storing the financial product subscription request electronic document in the electronic document repository, and / or the storage medium 190). The details of storing the financial product subscription request information) are generated (or extracted) and transmitted to the terminal (585).

According to one embodiment of the invention, the storage medium 190 is preferably provided in the DBMS on the financial system 187 provided on the financial product subscription processing system (or associated with the financial product subscription processing system). In this case, the storage medium 190 may be a ledger D / B 185 provided in the DBMS on the financial system 187 and / or a predetermined database associated with the ledger D / B 185. The present invention is not limited thereby.

According to another exemplary embodiment of the present invention, the storage medium 190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription processing system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

6 is a diagram illustrating a financial product termination registration system for registering a financial product maturity termination service for a newly registered financial instrument at a window according to an embodiment of the present invention.

In more detail, Fig. 6 shows information on the expiration of a financial product through a communication means of a customer who subscribes to a financial product that has expired, in order to register a financial product expiration termination service for a financial product newly registered by a predetermined customer at a window. And the employee in charge of the customer obtains the customer's agreement to cancel the financial product cancellation, at least one of customer information, the expiration target financial product information, employee information, and branch / store information through the employee terminal. When the financial product expiration termination service registration request information is inputted and transmitted, the financial product termination termination service registration request electronic document including the provided financial product expiration termination service registration request information is generated by the financial product termination registration system. To store in a predetermined electronic document storage, and request registration of the expiration of the expiration of the financial products A system configuration for linking and processing the customer information, expiration target financial product information, employee information, and branch / branch information included in the information in a predetermined storage medium 640. Specifically, the electronic document repository is predetermined. The implementation method is provided on the external system associated with the financial product termination registration system through a communication means of.

For those of ordinary skill in the art to which the present invention pertains, a financial product termination registration system for registering a financial product expiration termination service for a newly registered financial product by referring to and / or modifying this drawing 6 can be obtained. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

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

In addition, according to the implementation method shown in FIG. 6, a financial product expiration termination service registration request electronic document corresponding to the financial product expiration termination service registration request information is generated as being generated on the server side on the financial product termination registration system. Although the present invention is not limited thereto, the financial product expiration termination service registration request electronic document may be generated at a terminal that inputs (or selects) the financial product expiration termination service registration request information and transmits the information. For example, the electronic document generation function provided on the server side is provided on the terminal side to generate the financial product expiration termination service registration request electronic document), whereby the present invention is not limited thereto.

Hereinafter, a financial product expiration termination service registration request electronic document is generated by receiving the financial product expiration termination service registration request information input by the employee through a predetermined information registration interface on the financial product termination registration system shown in FIG. And a component corresponding to at least one or more means and / or functional configurations for storing the financial product expiration termination service registration request information in a predetermined storage medium 640 for convenience. (600) ".

Referring to FIG. 6 according to an embodiment of the present invention, a financial product termination registration system for registering a financial product maturity termination service for a newly subscribed financial product at the counter may include at least one financial institution branch (or a branch). And an information registration terminal 675 including a window terminal 670 (or a branch (or branch) terminal or a call center terminal) provided. The information registration terminal 675 may include a predetermined financial network. The communication channel is connected to the information registration server 600 provided on the financial product termination registration system.

According to an exemplary embodiment of the present invention, the customer is a person in charge of the financial institution branch (office) for registration of the financial product expiration termination service for the newly registered financial products at the counter, the financial product holder (I.e., when a customer terminates the termination service registration through a telephone call, etc.), a financial instrument newly registered at the window through a window provided at the branch (or branch) of the financial institution (or a clerk / person in charge). Input (or select) financial product termination service registration request information including at least one piece of customer information, financial product information for termination of expiration, employee information, and branch / branch information for registration of financial product termination service for In response, the counter terminal 670 (or the branch (or branch) terminal or call center terminal) through the financial network to solve the financial product To transmit to the information registering server 600 provided on the registration system is preferred.

Here, the window terminal 670 (or branch (or branch) terminal or call center terminal) is one or more financial terminals used by employees of the financial institution branch (or branch), or one or more call center terminals used by employees of the financial institution call center. Preferably, the information registration server 600 connected to the counter terminal 670 (or a branch (or branch office) terminal or a call center terminal) is a server (eg, a ledger server) provided on the predetermined financial system. Etc.), and the financial network connecting the window terminal 670 (or the branch (or branch office) terminal or the call center terminal) and the information registration server 600 is the window terminal 670 (or Branch office (or branch office) terminal or call center terminal) and the information network to the communication server 600 is preferably made to include a conventional network.

The storage medium 640 provided on the financial product termination registration system according to the present invention is the customer information included in the financial product expiration termination service registration request information provided from the information registration terminal 675, the subject to the expiration target financial The product information, employee information, and branch / branch point information may be stored in a predetermined storage medium 640 by linkage processing.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer requesting registration of the expiration termination service of the financial product, and member information of the customer (eg, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the financial product termination registration system in response to the customer by signing up as a financial transaction customer of the financial institution Number or the like), and the like.

The financial product information subject to termination of expiration may include financial product names, sales company names, manager names, initial payment amounts, monthly payment amounts, and the like for one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration are periodic deposits, savings regular payments, free savings savings, long-term housing savings, and subscriptions. It is preferable to include an installment etc.

The employee information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the employee in charge of the customer or in charge of the financial products subscribed to by the customer. It is preferable to include at least one or more employee information (e.g., an employee number assigned to the employee by the employee as the employee of the financial institution).

Preferably, the branch / branch point information includes at least one or more names of branches or branch offices where the customer visits a financial institution and requests to join the financial product, and a management code assigned for branch or branch office management. It may be a branch or a branch in charge of a customer, or a branch or branch to which the employee belongs.

According to an embodiment of the present invention, the storage medium 640 is preferably provided in a DBMS on a financial system provided on the financial product termination registration system (or associated with the financial product termination registration system). At this time, the storage medium 640 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 640 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product termination registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The information registration server 600 provided on the financial product termination registration system according to the present invention is a generic term for the components of the financial product termination registration system side connected to the information registration terminal 675 through a predetermined financial network. It may be implemented by including at least one 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, when the information registration terminal 675 is a window terminal 670 (or a branch (or a branch) terminal or a call center terminal) connected to a predetermined financial network, the information registration server 600. Is a ledger server provided on a financial system connected to the teller terminal 670 (or a branch (or a branch) terminal or a call center terminal) through a predetermined financial network, and / or a server provided in an external system on the financial system. (Or a device), and / or a program included in the external world on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 600 includes an interface unit 605 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 675 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the information registration terminal 675 is a window terminal 670 (or a branch (or branch) terminal or a call center terminal) connected to a predetermined financial network, the interface unit 605 may be used. Connect the communication terminal 670 (or branch (or branch) terminal or call center terminal) and a predetermined communication channel based on the protocol stack defined in the financial network, and the window terminal 670 (or branch (or branch)) 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 a financial transaction related program provided in a terminal or a call center terminal).

Referring to FIG. 6, when the predetermined information registration terminal 675 connects a predetermined communication channel with the information registration server 600 through the interface unit 605, the window is displayed. At least one user interface for inputting (or selecting) the financial product expiration termination service registration request information to register the financial product expiration termination service registration for the newly subscribed financial products to the information registration server 600; An interface providing unit 610 (or interface providing means) for generating (or extracting) and providing the generated (or extracted) user interface to the information registration terminal 675 in association with the interface unit 605; When the information registration terminal 675 inputs (or selects) and transmits the financial product expiration termination service registration request information through the user interface, And an information acceptor 615 (or information receiving means) for receiving the financial instrument expiration termination service registration request information transmitted from the information registration terminal 675 in association with the face unit 605. .

The interface providing unit 610 connects a predetermined communication channel with the information registration server 600 through the information registration terminal 675 to the information registration server 600. When a request is made for a user interface for registering a financial product maturity termination service for a newly registered financial product, the information registration server 600 is input through the financial network by inputting (or selecting) the financial product maturity termination service registration request information. Generate at least one user interface to transmit to the financial network, and / or extract from a predetermined database (not shown), and link the generated network (or extracted) with the interface unit 605 to the financial network. It is characterized in that to provide to the information registration terminal 675 through.

At least one of inputting (or selecting) the financial instrument expiration termination service registration request information to the information registration terminal 675 according to another embodiment of the present invention and transmitting the information to the information registration server 600 through the financial network. When a predetermined information registration program having the above user interface is provided, a user interface for inputting (or selecting) the financial product expiration termination service registration request information as described above and transmitting the information to the information registration server 600 is generated. The interface providing unit 610 (or extracted) provided to the information registration terminal 675 may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal 675 inputs the financial product expiration termination service registration request information including at least one of the customer information, the expiration target financial product information, employee information, and branch / branch point information through the user interface ( Or select), and transmits the input (or selected) expiration termination service registration request information to the information registration server 600 through the financial network, and correspondingly, the information receiving unit 615 is connected to the interface unit. In operation 605, the financial product expiration termination service registration request information transmitted from the information registration terminal 675 may be received.

Referring to FIG. 6, when the financial product expiration termination service registration request information transmitted from the information registration terminal 675 is received through the information receiving unit 615, the information registration server 600 receives the received financial product. And a validity confirming unit 620 (or validity confirming means) for confirming whether the expiration termination service registration request information satisfies the validity for the financial product expiration termination service registration for the newly registered financial product at the window. do.

According to the implementation method of the present invention, the validity of the financial product maturity termination service registration request information is matched with the financial product maturity termination service registration request information to the ledger D / B on the financial system associated with the financial product termination registration system It is preferable to include whether the at least one ledger information is registered.

For example, the validity verification unit 620 is a financial system in which the customer information (customer information, personal information, etc.) of the information contained in the financial product expiration termination service registration request information is associated with the financial product termination registration system It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity confirmation of the financial product expiration termination service registration request information includes whether the financial product information subject to termination of maturity is matched with the account ledger stored in the ledger D / B on the financial system associated with the financial product termination registration system Preferably, it is preferably made, further comprising checking whether the customer ledger connected with the account ledger matches the customer information.

Referring to FIG. 6, when the validity of the financial product expiration termination service registration request information is authenticated through the validity verification unit 620, the information registration server 600 receives the received financial product expiration termination service registration request information. The electronic product generation unit 625 (or an electronic document generating means) for generating a predetermined financial product expiration termination service registration request electronic document, and the financial product termination expiration service registration request electronic document. And an electronic document transmission unit 630 (or an electronic document transmission means) for transmitting to the electronic document repository associated with the registration system.

The electronic document generation unit 625 generates a financial product expiration termination service registration request electronic document including the financial product expiration termination service registration request information received from the information registration terminal 675 via the information receiving unit 615. Characterized in that.

According to an exemplary embodiment of the present invention, the electronic document generation unit 625 may include customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, financial product information for expiration of termination, and employees. Generating document content including at least one information, branch / branch point information, and a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the document content. Or a word processor file including at least one of the above, or a web document file including the MHT, etc.) as the electronic product expiration termination service registration request electronic document for registering the financial product termination registration for the newly registered financial product at the window. It is preferable.

Alternatively, the electronic document generation unit 625 may be configured to store customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, financial product information subject to expiration, employee information, and branch / office information. Generate at least one document content including at least one document information, at least one or more of the customer information included in the financial product expiration termination service registration request information, the financial product information to be expired, employee information, branch / branch information And a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing document content including the watermarking after the watermarking method. A word processing file including at least one or a web document file including an MHT). It is treated as a financial instrument Expiration termination service registration request electronic documents for financial instruments revoked registration is preferred.

Alternatively, the electronic document generation unit 625 may be configured to store customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, financial product information subject to expiration, employee information, and branch / office information. Create a new document content including at least one document content, the image file including the image content (for example, the image content generated by capturing the document content on the memory) to a new subscription at the window It is preferable to process the electronic product to request the termination of the financial instrument termination service to register the termination of the financial instrument for the financial instrument.

Alternatively, the electronic document generation unit 625 may be configured to store customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, financial product information subject to expiration, employee information, and branch / office information. Generate the document content including at least one, and the image content (e.g., image content generated by capturing the document content in memory) captured the document content in the financial product expiration termination service registration request information After including at least one or more information of the customer information, the financial products subject to expiration, employee information, branch / branch information included in the watermarking method, and the image file including the image content including the watermarking; Financial instrument maturity termination service registration for financial instrument termination registration for newly registered financial instruments at the window It is preferable to process the request electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 625 may include customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, the financial product information subject to expiration, Predetermined document content including at least one of employee information and branch / branch point information, and including image content (eg, image content generated by capturing the document content on a memory). Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) Electronic document for the termination of the financial product expiration service registration request for the financial product cancellation registration for the newly registered financial products at the window To treatment it is preferred.

Alternatively, the electronic document generation unit 625 may be configured to store customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, financial product information subject to expiration, employee information, and branch / office information. Generate document content including at least one, and include in the financial product expiration termination service registration request information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Generating an image content including at least one or more information of the customer information, the expiration target financial product information, employee information, and branch / branch point information by a watermarking method, and including the image content including the watermarking. Document files (e.g. Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / DOC) A financial product expiration termination service registration request electronic document for registering a financial product termination registration for a newly subscribed financial instrument at the window by generating a word processor file including at least one or more, or a web document file including MHT) It is preferable to treat with.

According to another exemplary embodiment of the present invention, the electronic document generation unit 625 may include customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, the financial product information to be expired. Generating document content including at least one employee information and branch / branch information, and capturing the document content (eg, image content generated by capturing the document content on a memory); A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing a financial product expiration termination service registration request information; Or a web document file including an MHT) to register a financial instrument termination for a newly subscribed financial instrument at the window. It is preferable to process the electronic product to request the termination of the expiration service for financial instruments.

Alternatively, the electronic document generation unit 625 may be configured to store customer information included in the financial product expiration termination service registration request information received through the information receiving unit 615, financial product information subject to expiration, employee information, and branch / office information. Generate document content including at least one, and include in the financial product expiration termination service registration request information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Generating image content including at least one or more of the customer information, the financial product information to be expired, the employee information, and the branch / branch point information by a watermarking method, and the image content including the watermarking and the financial information. A document file (for example, a Portable Document Format (PDF) file containing the product expiration cancellation service registration request information) Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is preferable to process the financial product expiration termination service registration request electronic document for registration of product termination.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 625 is a technical feature of generating a financial product expiration termination service registration request electronic document of the image file format and / or a predetermined document file format And, since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the financial product expiration termination service registration request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 630 transmits and stores the electronic product expiration termination service registration request electronic document generated by the electronic document generation unit 625 to a predetermined electronic document repository associated with the financial product termination registration system. Characterized in that.

As shown in FIG. 6, the electronic document repository is connected to an information registration server 600 on the financial product termination registration system and a predetermined electronic document server 645 and electronic document D / B ( 665, the electronic document transmission unit 630, the electronic product expiration termination service registration request electronic document generated by the electronic document generation unit 625 through the communication means Characterized in that the transmission to the document server (645).

Herein, when the electronic document server 645 and the electronic document D / B 665 are provided outside the financial product termination registration system, the electronic document server 645 and the electronic document D / B 665 are provided. It is advisable to maintain the authority in a recognized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product termination registration system, the electronic document transmitting unit 630 is generated by the electronic document generating unit 625. The electronic product expiration termination service registration request electronic document may be stored in the electronic document D / B 665 corresponding to the electronic document storage on the DBMS provided in the financial product termination registration system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the electronic document transmission unit 630 requests electronic document related information (eg, the financial product expiration termination service registration request) for generating predetermined electronic document management information in the electronic document server 645. Customer information transmitted by inputting (selecting) information, and / or financial institution information transmitting the electronic product expiration termination service registration request information, and / or electronic document file format information, and / or the financial product expiration termination service Registration request information, etc.) may be further transmitted to the electronic document storage, whereby the present invention is not limited thereto.

Referring to FIG. 6, the information registration server 600 is a financial product newly subscribed to the financial product expiration termination service registration request information received through the information receiving unit 615 at the window through the validity confirmation unit 620. When the validity for the financial product expiration termination service registration for the authentication is authenticated, the customer information included in the validity expiration termination service registration request information, the expiration of the financial product information, employee information, branch information and branch information And an information storage unit 635 (or information storage means) for storing the data in a predetermined storage medium 640.

When the validity of the financial product expiration termination service registration request information is confirmed by the validity confirmation unit 620, the information storage unit 635, the customer information included in the financial product expiration termination service registration request information, termination of expiration Target financial product information, employee information, branch / branch information is processed in connection with the storage medium 640, characterized in that the storage medium 640 is provided in the information registration server 600, or the information When provided on the network associated with the registration server 600, the information storage unit 635 is the customer information contained in the received financial product expiration termination service registration request information, the expiration of the financial product information, employee information, It is preferable to store branch office information and store information in the storage medium 640, and when the storage medium 640 is provided in a DBMS provided on a financial system, The information storage unit 635 transfers customer information, expiration termination financial product information, employee information, and branch / store information included in the received financial product expiration termination service registration request information to an information system through an external system on the financial system. It is desirable to provide and store in the DBMS provided on the financial system.

Referring to FIG. 6, a predetermined financial product expiration termination service registration request electronic document is received from the information registration server 600 provided on the financial product termination registration system and stored in a predetermined electronic document D / B 665. And the electronic document server 645 that manages the electronic document receiving unit 650 (or image receiving means) for receiving a predetermined financial product expiration termination service registration request electronic document from the information registration server 600 through a predetermined communication means. Information generating unit 655 (or information generation) for generating predetermined electronic document management information for storing and managing the received financial product expiration termination service registration request electronic document in the electronic document D / B 665. Means) and the electronic document storage unit 660 (or the electronic document storage unit 660) (or) storing the electronic document management information and the financial product expiration termination service registration request electronic document in a predetermined electronic document D / B 665. The chair provided with a document storing means), characterized in that formed.

The electronic document receiving unit 650 may receive a financial product expiration termination service registration request electronic document in the form of an image file and / or a document file from the information registration server 600 through the communication means.

According to the exemplary embodiment of the present invention, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means is received by the information registration server 600 from the information registration terminal 675. A document file (eg, PDF (Portable Document) including document content including at least one of customer information included in the received financial product termination service registration request information, financial product information to be terminated, employee information, and branch / branch information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means is the financial product expiration termination service received by the information registration server 600 from the information registration terminal 675. Customer information included in the financial product expiration termination service registration request information in the document content including at least one of customer information included in the registration request information, financial product information subject to expiration, employee information, branch / branch information, and expiration target Document file (eg, Portable Document Format) file including document content including the watermarking after including at least one of financial product information, employee information, branch / branch point information by watermarking method Or a word processor file including at least one EDI (Electronic Data Interchange) file, or HWP / DOC, or the like, or Web document file including MHT).

Alternatively, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means is the financial product expiration termination service received by the information registration server 600 from the information registration terminal 675. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of customer information included in the registration request information, financial product information to be expired, employee information, and branch / branch information). And an image file including generated image content).

Alternatively, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means is the financial product expiration termination service received by the information registration server 600 from the information registration terminal 675. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of customer information included in the registration request information, financial product information to be expired, employee information, and branch / branch information). After generating at least one or more information of the customer information included in the financial product expiration termination service registration request information, the expiration of the financial product information, employee information, branch / branch information in the generated image content) (Watermarking) And an image file including image content including the watermarking. desirable.

According to another exemplary embodiment of the present invention, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means, the information registration server 600 is the information registration terminal 675. Image content (e.g., captured) of document content including at least one or more customer information included in the financial product expiration termination service registration request information received from the financial information, expiration target financial product information, employee information, branch / branch information (for example, At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content by capturing the document content on the memory. A word processor file, or a web document file including MHT).

Alternatively, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means is the financial product expiration termination service received by the information registration server 600 from the information registration terminal 675. Image content (e.g., capturing the document content on the memory by capturing document content including at least one or more of customer information included in the registration request information, financial product information to be expired, employee information, and branch / branch information). Generated image content) including at least one or more information of customer information, expiration termination financial product information, employee information, branch / branch point information included in the financial product expiration termination service registration request information by a watermarking method. A document file that generates image content and includes the image content including the watermarking (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to another exemplary embodiment of the present invention, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means, the information registration server 600 is the information registration terminal 675. Image content (e.g., capture) of document content including at least one of customer information included in the financial product expiration termination service registration request information received from A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the image content generated by capturing the document content on a memory and the financial product expiration termination service registration request information. , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). And it is preferably made.

Alternatively, the financial product expiration termination service registration request electronic document received by the electronic document receiving unit 650 through the communication means is the financial product expiration termination service received by the information registration server 600 from the information registration terminal 675. Image content (e.g., capturing the document content in memory) that captures document content including at least one or more of customer information included in the registration request information, financial product information to be expired, employee information, and branch / branch information. Image content generated by the service information) includes at least one or more of the customer information included in the financial product expiration termination service registration request information, the expiration of the financial product information, employee information, branch / branch information in a watermarking method (Watermarking) Generate image content, and expiration of the image content and the financial product including the watermarking A document file including service registration request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including MHT. Document files).

The information generating unit 655 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product expiration termination service registration request electronic document received through the electronic document receiving unit 650, and the electronic document receiving unit 650 An electronic document containing electronic document storage date and time information including a date and time (or a date and time at which the financial product expiration termination service registration request electronic document is stored) is received. And generating management information.

According to the exemplary embodiment of the present invention, the information generating unit 655 refers to the information registration server 600 which transmits the financial product expiration termination service registration request electronic document received through the electronic document receiving unit 650. It is preferable to check the financial institution that has sent the financial product expiration termination service registration request electronic document, and generate the electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 600 through the electronic document receiving unit 650, the information generating unit 655 receives the received information. Customer information transmitted by inputting (selecting) the electronic product expiration termination service registration request information, and / or financial institution information transmitting the electronic product expiration termination service registration request electronic document, and / or And electronic document file format information, and / or the financial instrument expiration termination service registration request information, etc.).

The electronic document storage unit 660 links and processes the electronic product expiration termination service registration request electronic document received through the electronic document receiving unit 650 and the electronic document management information generated through the information generation unit 655. Characterized in that stored in the electronic document D / B (665).

According to the exemplary embodiment of the present invention, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the information registration server 600 the information. A document file including document contents including at least one of customer information included in the financial product expiration termination service registration request information received from the registration terminal 675, financial product information subject to expiration, employee information, and branch / store information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

Alternatively, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is received by the information registration server 600 from the information registration terminal 675. The financial product expiration termination service registration request information is included in document content including at least one of customer information included in the financial product termination service registration request information, financial product information for termination of expiration, employee information, and branch / branch information. Document files (eg, PDFs) containing document contents including watermarking after including at least one or more information of customer information, financial product subject to expiration, employee information, and branch / branch information in a watermarking manner. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more such as HWP / DOC, and It comprises a web page file, and so on) containing the MHT is preferred.

Alternatively, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is provided by the information registration server 600 from the information registration terminal 675. Image content capturing document contents including at least one of customer information included in the received financial product termination service registration request information, financial product information to be terminated, employee information, and branch / branch information (eg, the And an image file including image content generated by capturing document content on a memory.

Alternatively, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is received by the information registration server 600 from the information registration terminal 675. Image content (e.g., the document) which captures document content including at least one of customer information included in one financial product termination service registration request information, financial product information to be terminated, employee information, and branch / branch information Watermarking at least one or more of the customer information included in the financial product expiration termination service registration request information, the financial product information to be expired, employee information, branch / branch point information to the image content generated by capturing contents on the memory) And including an image file including the image content including the watermarking after the watermarking. It is preferred.

According to another exemplary embodiment of the present invention, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the information registration server 600. Capturing document contents including at least one of customer information included in the financial product termination service registration request information received from the information registration terminal 675, financial product information to be terminated, employee information, branch / store information ) A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing image content (e.g., image content generated by capturing the document content on a memory). And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is received by the information registration server 600 from the information registration terminal 675. Image content (e.g., the document) which captures document content including at least one of customer information included in one financial product termination service registration request information, financial product information to be terminated, employee information, and branch / branch information Watermarking at least one or more of the customer information included in the financial product expiration termination service registration request information, the financial product information to be expired, employee information, branch / branch point information to the image content generated by capturing contents on the memory) Create a document content including the watermarking method, and a document file containing the image content including the watermarking (eg Such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Do.

According to another exemplary embodiment of the present invention, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the information registration server 600. Capturing document content including at least one of customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information to be expired, employee information, branch / store information ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI) including image content (eg, image content generated by capturing the document content on a memory) and the financial product expiration termination service registration request information. (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to make it together.

Alternatively, the financial product expiration termination service registration request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is received by the information registration server 600 from the information registration terminal 675. Image content (e.g., the document) which captures document content including at least one of customer information included in one financial product termination service registration request information, financial product information to be terminated, employee information, and branch / branch information Watermarking at least one or more of the customer information included in the financial product expiration termination service registration request information, the financial product information to be expired, employee information, branch / branch point information to the image content generated by capturing contents on the memory) Generating image content including a watermarking method, and expiration of the financial product and the image content including the watermarking A document file including support service registration request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Web document files).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the financial product expiration termination service registration request electronic document, It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the financial product expiration termination service registration request electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the financial product expiration termination service registration request electronic document, The financial product expiration termination service registration request electronic document is transmitted to the financial institution expiration termination service registration request electronic document confirmed by referring to the information registration server 600 that sent the information further comprises the information. Do.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 600, the electronic document storage unit 660 and the financial product expiration termination service registration request electronic document; The electronic document management information stored in the electronic document D / B 665 in association with each other is stored in the electronic document D / B 665. And / or financial institution information for transmitting the financial instrument expiration termination service registration request electronic document, and / or electronic document file format information, and / or the financial instrument expiration termination service registration request information, etc.). desirable.

7 is a financial instrument expiration stored in the ledger D / B (700) provided in the DBMS on the financial system in a face-to-face manner to register the financial product expiration termination service for the newly registered financial products at the window according to an embodiment of the present invention FIG. 7 is a diagram illustrating a configuration of termination service registration request information.

In more detail, in FIG. 7, when the storage medium 640 shown in FIG. 6 is the ledger D / B 700 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 700 is shown in FIG. The configuration of the information on an implementation method of storing the financial product expiration termination service registration request information including the customer information, the expiration termination financial product information, employee information, and branch / branch information, and the technical field to which the present invention pertains Persons having ordinary skill in the art may refer to and / or modify this drawing 7 to infer various information construction methods for storing the financial product expiration termination service registration request information in the ledger D / B 700. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 700 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 700 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

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

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

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

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

Referring to FIG. 7, the financial product expiration termination service registration request information provided through the financial product termination registration system illustrated in FIG. 6 may be stored in the form of additional information added to the account ledger. Termination service registration request information is characterized in that it comprises at least one or more customer information, information on the financial products to be terminated, employee information, branch / branch information.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer requesting registration of the expiration termination service of the financial product, and member information of the customer (eg, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the financial product termination registration system in response to the customer by signing up as a financial transaction customer of the financial institution Number, etc.) is preferably included.

The financial product information subject to termination of expiration may include financial product names, sales company names, manager names, initial payment amounts, monthly payment amounts, and the like for one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration are periodic deposits, savings regular payments, free savings savings, long-term housing savings, and subscriptions. It is preferable to include an installment etc.

The employee information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the employee in charge of the customer or in charge of the financial products subscribed to by the customer. Preferably, the employee information includes at least one or more employee information (for example, an employee number assigned to the employee by obtaining the employee as an employee of the financial institution).

Preferably, the branch / branch point information includes at least one or more names of branches or branch offices where the customer visits a financial institution and requests to join the financial product, and a management code assigned for branch or branch office management. It may be a branch or sales office in charge of a customer or a branch or sales office to which the employee belongs.

According to another exemplary embodiment of the present invention, the financial instrument expiration termination service registration request information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, customers). It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

Figure 8 is a database linked to the ledger D / B (700) provided in the DBMS on the financial system in a face-to-face manner to register the financial product expiration termination service for the newly registered financial products at the window according to another embodiment of the present invention 10 is a diagram illustrating the configuration of the financial product expiration termination service registration request information stored in FIG.

In more detail, FIG. 8 shows an information structure of an embodiment in which the storage medium 640 shown in FIG. 6 is stored in a predetermined database linked to the ledger D / B 700 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 8 to transmit the financial product expiration termination service registration request information to a predetermined database. It will be able to infer various information configuration methods to be stored in association with 700, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 8, it is not easy to store the financial product expiration termination service registration request information in the ledger information of the ledger D / B 700 on the DBMS provided on the financial system (for example, the policy of the financial institution). If it is not easy to change the ledger D / B 700 of the DBMS, or the system is not easy to expand due to the characteristics of the financial system), the financial instrument expires in a predetermined database instead of the ledger D / B 700. A method of storing termination service registration request information and storing the termination service registration request information in association with the database and the ledger D / B 700 is illustrated.

In addition, the database shown in FIG. 8 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and a database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 8, the database stores and stores the customer information included in the financial product termination service registration request information, financial product information for termination of expiration, employee information, and branch / branch point information. The financial product expiration termination service registration request information is preferably made to further include a CIF number corresponding to the ledger information in the financial product expiration termination service registration request information to be processed in conjunction with the ledger D / B (700).

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer requesting registration of the expiration termination service of the financial product, and member information of the customer (eg, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the financial product termination registration system in response to the customer by signing up as a financial transaction customer of the financial institution Number or the like), and the like.

The financial product information subject to termination of expiration may include financial product names, sales company names, manager names, initial payment amounts, monthly payment amounts, and the like for one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration are periodic deposits, savings regular payments, free savings savings, long-term housing savings, and subscriptions. It is preferable to include an installment etc.

The employee information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the employee in charge of the customer or in charge of the financial products subscribed to by the customer. Preferably, the employee information includes at least one or more employee information (for example, an employee number assigned to the employee by obtaining the employee as an employee of the financial institution).

Preferably, the branch / branch point information includes at least one or more names of branches or branch offices where the customer visits a financial institution and requests to join the financial product, and a management code assigned for branch or branch office management. It may be a branch or a branch in charge of a customer, or a branch or branch to which the employee belongs.

9 is a diagram illustrating a financial product expiration termination service registration request information stored in a DBMS provided in a banking server in a face-to-face manner in order to register a financial product expiration termination service for a newly registered financial instrument at a window according to another embodiment of the present invention; Figure is a diagram.

In more detail, FIG. 9 illustrates a predetermined banking system in which the storage medium 640 shown in FIG. 6 is 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 provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the drawing Although it is possible to infer a method of constructing information on financial product expiration termination service registration request information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 9, a predetermined DBMS provided in the banking server links and processes customer information included in the financial product expiration termination service registration request information, financial product information subject to expiration, employee information, and branch / branch point information. It is characterized by storing.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer requesting registration of the expiration termination service of the financial product, and member information of the customer (eg, the Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the financial product termination registration system in response to the customer by signing up as a financial transaction customer of the financial institution Number or the like), and the like.

The financial product information subject to termination of expiration is the financial product name, sales company name, manager name, initial payment amount and monthly payment amount of one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration include a regular deposit, a regular savings fund, a free saving deposit, a long-term housing savings, It is preferable to include subscription payment and the like.

The employee information may include personal information (eg, name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the employee in charge of the customer or in charge of the financial products subscribed to by the customer. Preferably, the employee information includes at least one or more employee information (for example, an employee number assigned to the employee by obtaining the employee as an employee of the financial institution).

Preferably, the branch / branch point information includes at least one or more names of branches or branch offices where the customer visits a financial institution and requests to join the financial product, and a management code assigned for branch or branch office management. It may be a branch or a branch in charge of a customer, or a branch or branch to which the employee belongs.

10A and 10B illustrate a process of registering financial product expiration termination service registration request information in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 10A and 10B illustrate a counter terminal 670 (or a branch (or a branch) in which an information registration terminal 675 on the financial product termination registration system shown in FIG. 6 is provided at a branch of a financial institution (or branch). A terminal or a call center terminal), and the information registration server 600 is a ledger server on a financial system (not shown) associated with a window terminal 670 (or a branch (or branch) terminal or a call center terminal) through a predetermined financial network. ), At least one of customer information, financial product information for expiration of termination, employee information, branch / branch point information for registering a financial product expiration termination service for a financial product newly subscribed by a predetermined customer at a window. If the financial product expiration termination service registration request information is included, the financial product expiration termination service registration request information is provided by the financial product termination registration system. Generate a predetermined financial product termination service registration request electronic document including and store in a predetermined electronic document storage, the customer information contained in the financial product termination service registration request information, financial product information of the expiration of termination, employee information The present invention relates to an implementation method of linking branch / branch point information to a predetermined storage medium 640. Those skilled in the art may refer to FIGS. 10a and 10b. Alternatively, it is possible to infer various implementation methods for registering the financial product expiration termination service registration request information from the window terminal 670 (or a branch (or a branch) terminal or a call center terminal) to the information registration server 600. However, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 10A and 10B. do.

For example, in the method illustrated in FIGS. 10A and 10B, a user of the counter terminal 670 (or a branch (or branch) terminal or a call center terminal) inputs (or selects) the financial product expiration termination service registration request information. Although an interface is illustrated and described as being provided through a predetermined web page provided by the information registration server 600, when a predetermined information registration program is provided in the client terminal, the user interface is the information registration server 600. It does not need to be provided from), and thereby the present invention is not limited.

Hereinafter, the window terminal 670 (or the branch (or branch) terminal or call center terminal) shown in FIG. 6 in FIGS. 10A and 10B is referred to as a "terminal" for convenience, and the information registration server shown in FIG. 6). For convenience, the 600 is referred to as a "server", and the customer information transmitted from the counter terminal 670 (or a branch (or a branch) terminal or a call center terminal) to the information registration server 600, the financial product information to be expired. For convenience, employee information and branch / branch information are referred to as "financial product termination service registration request information".

Referring to FIGS. 10A and 10B, at least one customer information, financial product information for termination of expiration, employee information, and branch / branch point information for a financial product expiration termination service registration for a financial product newly registered by a predetermined customer at a window When requesting a user interface for registering a financial product expiration termination service including the above (1000), the server correspondingly includes at least one or more of the customer information, the financial product information of the expiration, employee information, branch / branch information Generate (or extract) a user interface for inputting (or selecting) financial product expiration termination service registration request information to the server (1005), and generate the user interface generated (or extracted) through the financial network; The transmission is output to the terminal (1010).

Thereafter, the terminal inputs (or selects) the financial product expiration termination service registration request information including at least one of the customer information, the expiration target financial product information, the employee information, and the branch / office information through the user interface ( 1015).

If the financial product expiration termination service registration request information including at least one or more of the customer information, the expiration target financial product information, employee information, and branch / branch point information is input (or selected) through the user interface (1020), the The terminal transmits the input (or selected) financial instrument expiration termination service registration request information to the server through the financial network (1025).

Subsequently, the server receives and reads a financial product expiration termination service registration request information including at least one of the customer information, the expiration of the financial product information of the expiration, employee information, and branch / office information through the financial network. The validity of the expiration termination service registration request information is checked (1030).

According to an embodiment of the present invention, the validity of the financial product expiration termination service registration request information is requested to register the financial product expiration termination service to the ledger D / B 700 on the financial system associated with the financial product termination registration system It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the validity verification unit 620 is a financial system in which the customer information (customer information, personal information, etc.) of the information contained in the financial product expiration termination service registration request information is associated with the financial product termination registration system It is preferably made to include matching with the customer ledger stored in the ledger D / B 700 of the award.

In addition, the validity of the financial product expiration termination service registration request information is determined whether the financial product information to be expired matches the account ledger stored in the ledger D / B 700 on the financial system associated with the financial product termination registration system It is preferable to include whether or not, and if it is matched, it is preferable to further comprise checking whether the customer ledger connected to the account ledger matches the customer information.

If the validity of the financial product expiration termination service registration request information is not authenticated (1035), the server generates a predetermined information registration error information and transmits it to the terminal (1065), the financial product expiration termination service registration request Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the financial product expiration termination service registration request information is authenticated (1035), the server generates a predetermined financial product expiration termination service registration request electronic document including the image content (1045).

According to an exemplary embodiment of the present invention, the server may include customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. Generating at least one document content including at least one document file, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI file, or an HWP / DOC file) including the document content. A word processor file, or a web document file including MHT) is preferably processed as a financial product expiration termination service registration request electronic document for financial product termination registration for a newly subscribed financial product at the window.

Alternatively, the server may include at least one of customer information included in the financial product termination service registration request information received from the information registration terminal 675, financial product information to be expired, employee information, branch / branch point information. Generating document content and watermarking at least one or more of the customer information included in the financial product expiration termination service registration request information, the financial product information to be expired, employee information, and branch / branch information on the document content. A word including at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content including the watermarking after the method is included. Processor file or web document file including MHT) Be treated as a financial instrument Expiration termination service registration request electronic documents for registration is preferred.

Alternatively, the server may include at least one document including customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. A financial product for a financial product that newly generates a content file and includes an image file that captures the document content (e.g., image content generated by capturing the document content on a memory). It is preferable to process the financial product expiration termination service registration request electronic document for termination registration.

Alternatively, the server may include at least one of customer information included in the financial product termination service registration request information received from the information registration terminal 675, financial product information to be expired, employee information, branch / branch point information. Customer information included in the financial product expiration termination service registration request information in the image content generated by the document content, the image content captured by capturing the document content (for example, the image content generated by capturing the document content on the memory) After including at least one or more information of the financial product information, employee information, branch / branch point information, etc. in a watermarking method, the bank newly registers an image file including the image content including the watermarking at the counter. Electronic Letter Request for Registration of Termination of Financial Instruments for Termination of Financial Instruments for Registration of Termination of Financial Instruments on Products It is preferred to process with.

According to another exemplary embodiment of the present invention, the server may include customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and a branch / office. A predetermined document file (eg, generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). Creating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Processed by electronic documents for requesting registration of the termination of financial instruments for the registration of the termination of financial instruments for subscribed financial instruments; This is preferred.

Alternatively, the server may include at least one document including customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. Customer information included in the financial product expiration termination service registration request information in the image content (e.g., image content generated by capturing the document content on a memory) that generates the content and captures the document content, and the expiration date. Create a document content including at least one or more information of the target financial product information, employee information, branch / branch information by a watermarking method, and a document file (eg, PDF) containing the image content including the watermarking (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. By generating a word processor file, or a web document file including the MHT or the like), the process to process the financial product expiration termination service registration request electronic document for the financial product termination registration for the newly registered financial products; It is preferable.

According to another exemplary embodiment of the present invention, the server includes the customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, the financial product information to be expired, employee information, branch / Create document content including at least one branch information, register image content (e.g., image content generated by capturing the document content on a memory) and the financial product termination service A document file including request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By creating a document file, etc. It is preferable to process due to termination of service registration request electronic documents.

Alternatively, the server may include at least one document including customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. Customer information included in the financial product expiration termination service registration request information in the image content (e.g., image content generated by capturing the document content on a memory) that generates the content and captures the document content, and the expiration date. Generate image content including at least one or more information of target financial product information, employee information, branch / branch point information by watermarking, and request registration of the image content including the watermarking and the expiration of the financial product expiration service. Document files containing information (e.g., Portable Document Format (PDF) files, or EDI (Elec) tronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the electronic product to request the termination of the expiration service for financial instruments.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a financial product expiration termination service registration request electronic document in the image file format and / or a predetermined document file format, and the financial product expiration Since the technical features of the image file and / or the file format of the document file corresponding to the termination service registration request electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial product expiration termination service registration request electronic document in a predetermined electronic document storage (1050).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 associated with a server on the financial product termination registration system through predetermined communication means. When provided externally, the server transmits the generated financial instrument expiration termination service registration request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665) It is preferable.

Or, if the electronic document storage is provided on the DBMS provided in the financial product termination registration system, the server DBMS provided in the financial product termination registration system for the generated financial product expiration termination service registration request electronic document It is possible to store in the electronic document D / B 665 corresponding to the electronic document storage of the prize, and the present invention is not limited thereby.

According to the method of the present invention, storing the financial product expiration termination service registration request electronic document in the electronic document storage, the process of linking the generated financial product expiration termination service registration request electronic document and predetermined electronic document management information And storing the data in the electronic document D / B 665 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic product expiration termination service registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information transmitting the financial product expiration termination service registration request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial product expiration termination service registration request information) and / or the electronic product expiration termination service registration request electronic document. Financial institution information, and / or electronic document file format information, and / or the financial product expiration termination service registration request information).

If the electronic product expiration termination service registration request electronic document is stored in the electronic document storage (1055), the server is the customer information contained in the financial product expiration termination service registration request information, financial product information, the expiration of the termination product, employees The information and the branch / branch point information are stored in a predetermined storage medium 640 in a cooperative process (1060), and a predetermined information registration history information (for example, the electronic product depository termination service registration request electronic document is stored in the electronic document repository). The details and / or details of storing the financial instrument expiration termination service registration request information in the storage medium 640 are generated (or extracted) and transmitted to the terminal (1065).

According to an embodiment of the present invention, the storage medium 640 is preferably provided in a DBMS on a financial system provided on the financial product termination registration system (or associated with the financial product termination registration system). At this time, the storage medium 640 may be a ledger D / B 700 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 700. This is not limited.

According to another embodiment of the present invention, the storage medium 640 is provided on (or associated with) the financial product termination registration system, and / or a telebanking system, and / or a wireless banking system, And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

11A and 11B illustrate a process of registering financial product expiration termination service registration request information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 11A and 11B illustrate a window terminal 670 (or a branch (or a branch) in which an information registration terminal 675 on the financial product termination registration system shown in FIG. 6 is provided at a branch of a financial institution (or branch). A terminal or a call center terminal), and the information registration server 600 is a ledger server on a financial system (not shown) associated with a window terminal 670 (or a branch (or branch) terminal or a call center terminal) through a predetermined financial network. ), At least one of customer information, financial product information for expiration of termination, employee information, branch / branch point information for registering a financial product expiration termination service for a financial product newly subscribed by a predetermined customer at a window. If the financial product expiration termination service registration request information is included, the financial product expiration termination service registration request information is provided by the financial product termination registration system. Generate a predetermined financial product termination service registration request electronic document including and store in a predetermined electronic document storage, the customer information contained in the financial product termination service registration request information, financial product information, the subject of termination The present invention relates to an embodiment of a method of linking information and branch / branch point information to a predetermined storage medium 640. Those skilled in the art may refer to FIGS. 11a and 11b. And / or modified to infer various implementation methods for registering the financial product expiration termination service registration request information from the teller terminal 670 (or a branch (or branch) terminal or call center terminal) to the information registration server 600. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 11A and 11B. do.

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For example, in the method shown in FIGS. 11A and 11B, a user who inputs (or selects) the financial product expiration termination service registration request information by the counter terminal 670 (or a branch (or a branch) terminal or a call center terminal) Although an interface is illustrated and described as being provided through a predetermined web page provided by the information registration server 600, when a predetermined information registration program is provided in the client terminal, the user interface is the information registration server 600. It does not need to be provided from), and thereby the present invention is not limited.

Hereinafter, the terminal terminal 670 (or the branch (or branch office) terminal or call center terminal) shown in FIG. 6 in FIGS. 11A and 11B is referred to as a "terminal" for convenience, and the information registration server shown in FIG. For convenience, the 600 is referred to as a "server", and the customer information transmitted from the teller terminal 670 (or a branch (or a branch) terminal or a call center terminal) to the information registration server 600, the financial product subject to expiration Information, employee information, and branch / branch information are referred to as "financial product termination service registration request information" for convenience.

11A and 11B, at least one of customer information, financial product information for termination of expiration, employee information, and branch / branch point information for a financial product expiration termination service registration for a financial product newly registered by a predetermined customer at a window; If a request for a user interface for registering a financial product expiration termination service for a newly subscribed financial product is requested (1100), the server responds to the financial product expiration termination service registration request information input by the employee. Generate a user interface for inputting (or selecting) financial product expiration termination service registration request information including at least one of customer information, financial product information to be terminated, employee information, and branch / branch information to the server ( Or extract (1105), the generated (or extracted) user interface through the financial network. And a transmission output to the terminal 1110.

Thereafter, the terminal inputs (or selects) the financial product expiration termination service registration request information including at least one of the customer information, the expiration target financial product information, the employee information, and the branch / office information through the user interface ( 1115).

If the financial product expiration termination service registration request information including at least one or more of the customer information, the expiration target financial product information, employee information, and branch / branch point information is input (or selected) through the user interface (1120), The terminal transmits the input (or selected) financial instrument expiration termination service registration request information to the server through the financial network (1125).

Subsequently, the server receives and reads a financial product expiration termination service registration request information including at least one of the customer information, the expiration of the financial product information of the expiration, employee information, and branch / office information through the financial network. The validity of the expiration termination service registration request information is checked (1130).

According to an embodiment of the present invention, the validity of the financial product expiration termination service registration request information is requested to register the financial product expiration termination service to the ledger D / B 700 on the financial system associated with the financial product termination registration system It is preferable to include checking whether at least one ledger information matching the information is registered.

For example, the validity verification unit 620 is a financial system in which the customer information (customer information, personal information, etc.) of the information contained in the financial product expiration termination service registration request information is associated with the financial product termination registration system It is preferably made to include matching with the customer ledger stored in the ledger D / B 700 of the award.

In addition, the validity of the financial product expiration termination service registration request information is determined whether the financial product information to be expired matches the account ledger stored in the ledger D / B 700 on the financial system associated with the financial product termination registration system It is preferable to include whether or not, and if it is matched, it is preferable to further comprise checking whether the customer ledger connected to the account ledger matches the customer information.

If the validity of the financial product expiration termination service registration request information is not authenticated (1135), the server generates predetermined information registration error information and transmits it to the terminal (1140), and the financial product expiration termination service registration request Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the financial product expiration termination service registration request information is authenticated (1135), the server receives the financial product expiration termination service registration request information from the terminal is the financial product expiration termination service registration request information Generate a predetermined financial product termination service registration request electronic document including a (1145).

According to an exemplary embodiment of the present invention, the server may include customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. At least one document content including at least one of the document contents, and at least one document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content. It is preferable to process a word processor file, or a web document file including the MHT, etc.) as a financial product expiration termination service registration request electronic document for financial product termination registration for the newly registered financial products at the window.

Alternatively, the server may include at least one document including customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. A method of generating a content and watermarking at least one or more of the customer information included in the financial product expiration termination service registration request information, the financial product information to be expired, employee information, and branch / branch point information on the document content And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file containing MHT, etc. Be treated as a financial instrument Expiration termination service registration request electronic documents for registration is preferred.

Alternatively, the server may include at least one of customer information included in the financial product termination service registration request information received from the information registration terminal 675, financial product information to be expired, employee information, branch / branch point information. Finance for a financial product that newly creates a document content, and an image file including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). It is preferable to process the financial product expiration termination service registration request electronic document for registration of product termination.

Alternatively, the server may include at least one document including customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. Customer information included in the financial product expiration termination service registration request information in the image content (e.g., image content generated by capturing the document content on a memory) that generates the content and captures the document content, and the expiration date. A financial product that newly includes at least one image file including image content including the watermarking after including at least one of target financial product information, employee information, and branch / branch information by a watermarking method. Request for registration of termination of financial instrument termination service for registration of termination of financial instruments It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server includes the customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, the financial product information of the expiration date, employee information, branch / Generate a document content including at least one branch office information, and include a predetermined document file (eg, image content captured by capturing the document content on a memory). , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Processed as an electronic document requesting registration of the termination of financial instruments for the registration of the termination of financial instruments for newly subscribed financial instruments It is preferred.

Alternatively, the server may include at least one document including customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. Customer information included in the financial product expiration termination service registration request information in the image content (e.g., image content generated by capturing the document content on a memory) that generates the content and captures the document content, and the expiration date. Create a document content including at least one or more information of the target financial product information, employee information, branch / branch information by a watermarking method, and a document file (eg, PDF) containing the image content including the watermarking (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. By generating a word processor file, or a web document file including the MHT or the like), the process to process the financial product expiration termination service registration request electronic document for the financial product termination registration for the newly registered financial products; It is preferable.

According to another exemplary embodiment of the present invention, the server includes the customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, the financial product information to be expired, employee information, branch / Create document content including at least one branch information, and capture image content (eg, image content generated by capturing the document content on a memory) and the financial product expiration termination service registration request. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By creating a file, etc.), the financial instrument for registration of the termination of financial instruments for the newly registered financial instrument at the window. It is preferable to process the expiration service registration request electronic document.

Alternatively, the server may include at least one document including customer information included in the financial product expiration termination service registration request information received from the information registration terminal 675, financial product information subject to expiration, employee information, and branch / branch information. Customer information included in the financial product expiration termination service registration request information in the image content (e.g., image content generated by capturing the document content on a memory) that generates content and captures the document content. Generate image content including at least one or more information of the financial product information, employee information, branch / branch point information by watermarking, and register the image content including the watermarking and the expiration termination service of the financial product. Document file containing request information (e.g., Portable Document Format (PDF) file, or EDI (Ele) ctronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process the electronic product to request the termination of the expiration service for financial instruments.

Those skilled in the art to which the present invention pertains, the technical feature that the server generates a financial product expiration termination service registration request electronic document in the image file format and / or a predetermined document file format, and the financial product expiration Since the technical features of the image file and / or the file format of the document file corresponding to the termination service registration request electronic document will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial product expiration termination service registration request electronic document in a predetermined electronic document storage (1075).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 associated with a server on the financial product termination registration system through predetermined communication means. When provided externally, the server transmits the generated financial instrument expiration termination service registration request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665) It is preferable.

Or, if the electronic document storage is provided on the DBMS provided in the financial product termination registration system, the server DBMS provided in the financial product termination registration system for the generated financial product expiration termination service registration request electronic document It is possible to store in the electronic document D / B 665 corresponding to the electronic document storage of the prize, and the present invention is not limited thereby.

According to the method of the present invention, storing the financial product expiration termination service registration request electronic document in the electronic document storage, the process of linking the generated financial product expiration termination service registration request electronic document and predetermined electronic document management information And storing the data in the electronic document D / B 665 shown in FIG.

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial product expiration termination service registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information transmitting the financial product expiration termination service registration request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial product expiration termination service registration request information) and / or the electronic product expiration termination service registration request electronic document. Financial institution information, and / or electronic document file format information, and / or the financial product expiration termination service registration request information, etc.).

Thereafter, the server stores the generated financial product expiration termination service registration request electronic document in a predetermined electronic document storage (1150).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 associated with a server on the financial product termination registration system through predetermined communication means. When provided externally, the server transmits the generated financial instrument expiration termination service registration request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665) It is preferable.

Or, if the electronic document storage is provided on the DBMS provided in the financial product termination registration system, the server DBMS provided in the financial product termination registration system for the generated financial product expiration termination service registration request electronic document It is possible to store in the electronic document D / B 665 corresponding to the electronic document storage of the prize, and the present invention is not limited thereby.

According to the method of the present invention, storing the financial product expiration termination service registration request electronic document in the electronic document storage, the process of linking the generated financial product expiration termination service registration request electronic document and predetermined electronic document management information And storing the data in the electronic document D / B 665 shown in FIG.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the electronic product expiration termination service registration request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information transmitting the financial product expiration termination service registration request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial product expiration termination service registration request information) and / or the electronic product expiration termination service registration request electronic document. Financial institution information, and / or electronic document file format information, and / or the financial product expiration termination service registration request information, etc.).

If the electronic product expiration termination service registration request electronic document is stored in the electronic document storage (1155), the server is the customer information contained in the financial product expiration termination service registration request information, financial product information, the expiration of the termination product, employees Information and branch / branch point information are stored in a predetermined storage medium 640 by linking and processing information (1160), and predetermined information registration history information (for example, storing the financial product expiration termination service registration request electronic document in the electronic document repository). The details and / or details of storing the financial instrument expiration termination service registration request information in the storage medium 640 are generated (or extracted) and transmitted to the terminal (1165).

According to an embodiment of the present invention, the storage medium 640 is preferably provided in a DBMS on a financial system provided on the financial product termination registration system (or associated with the financial product termination registration system). At this time, the storage medium 640 may be a ledger D / B 700 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 700. This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 640 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product termination registration system; And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

FIG. 12 is a diagram illustrating a system for providing expiration termination service for providing a financial product termination service to a customer who has approved a termination service registration according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a financial product termination service for providing a financial product termination service to a customer who has approved the termination service registration system through a predetermined termination service providing system through a predetermined information registration interface. When the expiration request information including at least one information, the financial object information to be deposited is provided, the expiration termination service providing system generates a predetermined expiration request request electronic document including the provided expiration request information and generates a predetermined electronic document. The present invention relates to a system configuration for storing in a predetermined storage medium 1250 by storing in a document storage, the customer information included in the expiration request information, the expiration of the expiration of the financial product information, the financial account information to be deposited and stored in a predetermined storage medium 1250, Specifically, the electronic document archive is stored in a predetermined communication means. The present invention relates to an implementation method provided on an external system associated with a termination service providing system.

For those skilled in the art to which the present invention pertains, reference to this drawing 12 and / or modifications to the expiration termination service providing system configuration for providing a financial product termination service for the customer who approved the termination service registration Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the expiration termination service providing system. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 12, the expiration termination request electronic document is illustrated as being generated on the server side on the expiration termination service providing system, but the present invention is not limited thereto. The expiration request request electronic document may be generated on the terminal side which inputs (or selects) the expiration request information (for example, the electronic document generation function provided on the server side is provided on the terminal side. Generate an electronic document), by which the present invention is not limited.

In addition, according to the implementation method shown in FIG. 12, when the expiration termination processing according to the expiration termination request is shown to be newly processed using only the amount deposited in the expiration- terminated financial product, the present invention thereby The present invention is not limited thereto, and the deposit may be further included in the amount held by the customer in addition to the amount deposited in the expiration- terminated financial product, and thus the present invention is not limited thereto.

Hereinafter, upon receiving the expiration request information from the customer through a predetermined information registration interface on the expiration termination service providing system shown in FIG. 12, a predetermined expiration request request electronic document is generated and stored in a predetermined electronic document repository. At least one means for storing the expiration request information on the predetermined storage medium 1250 and / or a component corresponding to a functional configuration is referred to as a "expiration termination service providing server 1200" for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, the expiration termination service providing system for providing a financial product termination service to a customer who has approved the expiration termination service registration may include a wired terminal and / or a wireless terminal used by the customer. And at least one client terminal 1280 including at least one client terminal, and the like, wherein the client terminal 1280 is provided on the expiration termination service providing system through a predetermined network means. Expired termination service providing server 1200 and the communication channel is connected.

According to an embodiment of the present invention, the customer accesses the termination service providing server 1200 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. And inputting (or selecting) expiration termination request information for providing a financial product termination service to a customer who has approved the expiration termination service registration through at least one user interface provided by the expiration termination service providing server 1200. In addition, the client terminal preferably transmits through the predetermined network means to the expiration termination service providing server 1200 provided on the expiration termination service providing 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 at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, the expiration termination service providing server 1200 connected with the client terminal may be any one of an Internet banking server and / or a TV banking server according to the characteristics of the client terminal and network means, and / or a separate registration for the information. It is preferable to include a web server of.

In addition, the client terminal outputs at least one or more user interfaces provided by the expiration termination service providing server 1200, and inputs and / or selects at least one or more information through the user interface to provide the expiration termination service providing server ( It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function communicating with the expiration termination service providing server 1200, etc.) for transmission to the 1200 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 expiration termination service providing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one connecting the client terminal and the expiration termination service providing server 1200. The wired communication network and / or the wireless communication network perform a function of an information registration interface for registering expiration request information for providing a financial product termination service to a customer for which the customer has approved the termination service registration.

According to another exemplary embodiment of the present invention, the customer terminal 1280 is an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal, and an ATM (cash dispenser). It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the expiration termination service providing system as described above, when the customer terminal 1280 is the automatic teller machine (not shown), the automatic teller machine (not shown) and the automatic teller machine (not shown) and the expiration date The financial network connecting the service providing server 1200 performs a function of an information registration interface for registering the expiration request information for providing a financial product termination service for the customer that the customer has approved the termination service registration, And / or when the customer terminal 1280 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the expiration termination service providing server 1200. And / or the wireless telephone network may provide information on expiration request for the purpose of providing financial product termination service to the customer for which the customer has approved the termination service registration. And / or when the customer terminal 1280 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or Or a network connecting a server) (not shown) and the terminal (and / or server) (not shown) and the expiration termination service providing server 1200 to finance the customer for which the customer has approved the expiration termination service registration. It performs the function of the information registration interface for registering the expiration request information to provide the product termination service.

The storage medium 1250 provided on the expiration termination service providing system according to the present invention includes the customer information included in the expiration termination request information provided from the customer terminal 1280, the financial product information of the expiration date, and the deposit target. The financial account information is linked and stored in a predetermined storage medium 1250.

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 member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the expiration termination service providing system in response to the customer It is preferable to make it.

The financial product information subject to termination of expiration may include financial product names, sales company names, manager names, initial payment amounts, monthly payment amounts, and the like for one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration are periodic deposits, savings regular payments, free savings savings, long-term housing savings, and subscriptions. It is preferable to include an installment etc.

Preferably, the deposit target financial account information includes target financial account information for depositing an amount deposited in the expiration- terminated financial product after the expiration termination processing of the financial instrument subject to termination of the customer.

According to an embodiment of the present invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the expiration termination service providing system (or associated with the expiration termination service providing system). At this time, the storage medium 1250 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium 1250 is a DBMS on at least one or more of the Internet banking system, and / or TV banking system provided on (or associated with) the expiration termination service providing system It is possible to be provided in, and thereby the present invention is not limited.

The expiration termination service providing server 1200 provided on the expiration termination service providing system according to the present invention is a generic term for the component of the expiration termination service providing system connected to the customer terminal 1280 through a predetermined network means. It may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), the present invention is not limited thereto. No.

According to an embodiment of the present invention, when the customer terminal 1280 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 termination service providing server 1200 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or is accessible to the outside world of the financial system through the Internet banking system. A server (or device) of a server, a program included in the server (or device), and / or an external system on the financial system accessible through the Internet banking server (and / or the server (or device)). Server (or device), and / or a program provided to the outside world on the financial system. The invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 1280 is a wired terminal (or two-way digital TV) connectable with a TV banking server on a predetermined TV banking system, the expiration termination service providing server 1200 may A predetermined TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the expiration termination service providing server 1200 includes an interface unit 1205 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal 1280 through the network means. It is characterized by consisting of.

According to an embodiment of the present invention, when the customer terminal 1280 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 1205 may be configured as described above. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1205 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 expiration termination service providing server 1200, the interface unit 1205 is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 1280 is a financial automation device connected to a predetermined financial network, the interface unit 1205 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the customer terminal 1280 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1205 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 12, the expiration termination service providing server 1200 connects a predetermined communication channel with the expiration termination service providing server 1200 through a predetermined customer terminal 1280 through the interface unit 1205. When the expiration termination service providing server 1200 inputs (or selects) predetermined expiration termination request information from the client terminal 1280 to provide a financial product termination service for the customer who has approved the expiration termination service registration. Interface providing unit 1210 for generating (or extracting) at least one user interface to be transmitted, and providing the generated (or extracted) user interface to the customer terminal 1280 in association with the interface unit 1205. (Or an interface providing means) and the customer terminal 1280 inputs (or selects) the expiration request information through the user interface and transmits the received expiration request information. Characterized in that formed by having the interface unit 1205 and the information reception unit 1215 (or the information receiving means) for receiving the expiration cancellation request information transmitted from the client terminal (1280) in association.

The interface providing unit 1210 connects a predetermined communication channel with the expiration termination service providing server 1200 through the interface unit 1205, and then provides the termination service providing server 1200. Request a user interface for providing a financial product termination service to a customer who has approved the expiration termination service registration, inputs (or selects) predetermined expiration termination request information from the client terminal 1280 to access the network means. Generate at least one user interface to be transmitted to the expiration termination service providing server 1200 through, or / or extracted from a predetermined database (not shown), and generates (or extracted) in conjunction with the interface unit 1205 ) Provides the user interface to the customer terminal 1280 through the network means.

According to an embodiment of the present invention, when the customer terminal 1280 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1210 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the customer terminal 1280 is a financial automation device connected to a predetermined financial network, the interface providing unit 1210 provides a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the customer terminal 1280 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1210 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1205.

According to another exemplary embodiment of the present invention, when the customer terminal 1280 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1210 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS based user interface) through the interface unit 1205 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 1280 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1210 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1205.

At least one user for inputting (or selecting) predetermined expiration request information to the customer terminal 1280 and transmitting the expiration termination service providing server 1200 through the network means according to another exemplary embodiment of the present invention. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined expiration request information as described above and transmitting it to the expiration termination service providing server 1200 is generated (or The interface providing unit 1210 provided to the customer terminal 1280 may be omitted, and the present invention is not limited thereto.

Thereafter, the customer terminal 1280 inputs (or selects) the expiration request information including at least one of the customer information, the expiration date of the expiration date, and the financial account information of the deposit date. (Or the selected) expired termination request information is transmitted to the expiration termination service providing server 1200 through the network means, and correspondingly, the information receiving unit 1215 is connected to the interface unit 1205 and the customer terminal And receiving the expiration request information transmitted from 1280.

According to an exemplary embodiment of the present invention, the customer terminal 1280 may provide the expiration termination service providing server 1200 to the expiration request information including at least one or more of the customer information, the expiration target financial product information, and the deposit target financial account information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the expiration request information; It is preferable to transmit to the expiration termination service providing server 1200 through a network means.

According to an exemplary embodiment of the present invention, the customer terminal 1280 may include at least one encryption method for expiration request information including at least one or more of the customer information, the expiration target financial product information, and the deposit target financial account information (eg, Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, and / or the like. It is preferable to attach the signature to the expiration termination service providing server 1200 through the network means, for this purpose, the client terminal 1280 has at least one encryption key corresponding to the encryption scheme, and And / or have a predetermined certificate containing at least one encryption key, and / or the certificate When the book is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for confirming an authorized certificate provided on the IC chip (or IC card).

Those skilled in the art should understand the technical features of various encryption schemes for encrypting the expiration request information and the technical features of attaching a predetermined electronic signature to the expiration request information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 12, when the expiration termination service providing server 1200 receives the expiration termination request information transmitted from the customer terminal 1280 through the information acceptor 1215, the received expiration termination request information is received. Is characterized in that it comprises a validity verification unit 1220 (or validity verification means) for confirming whether the validity for providing the financial product termination service to the customer who approved the termination service registration.

According to an embodiment of the present invention, the expiration request information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption method, the validity checking unit 1220 may determine the encrypted expiration request information at least one or more decryption methods (eg, symmetric key-based decryption methods, and / or corresponding to the encryption method). It is desirable to authenticate the validity of the received expiration request information by decrypting with a public key based decryption scheme, and / or an electronic envelope based decryption scheme, and / or a key exchange based decryption scheme.

Alternatively, when a predetermined electronic signature is attached to the expiration request information, the validity verification unit 1220 verifies the validity of the received expiration request information by checking the electronic signature attached to the expiration request information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted expiration request information, and technical features for confirming an electronic signature attached to the expiration request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the expiration request information received through the information receiving unit 1215 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the expiration request information, the validity confirmation unit 1220 ) Compares and authenticates the received password included in the expiration request information and the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received expiration request information.

Alternatively, when the expiration request information received through the information receiving unit 1215 further includes predetermined security card information for confirming the validity of the expiration request information, the validity confirming unit 1220 determines the validity check unit 1220. It is preferable to authenticate the validity of the received expiration request information by comparing and authenticating the received security card information included in the expiration request information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the expiration request information received through the information receiving unit 1215 further includes a predetermined OTP code for checking the validity of the expiration request information, the validity checking unit 1220 may perform the expiration request. The validity of the received expiration request information is verified by comparing and authenticating the received OTP code included in the request information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validity of the expiration request information is registered at least one or more ledger information matching the expiration request information in the ledger D / B on the financial system associated with the expiration termination service providing system It is preferable to include checking whether it is done.

For example, the validity confirming unit 1220 may include, among the information included in the expiration request information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the expiration termination service providing system D / It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validity check on the expiration request information, it is preferable to check whether the expiration termination service registration approval customer for one or more financial products of the customer among the information included in the expiration request information.

Here, it is preferable that the customer confirms whether the customer expires the registration service for expiration termination service registration of at least one financial product, when the customer accesses the expiration termination service providing server 1200. It may vary depending on the purpose.

Referring to FIG. 12, when the validity of the expiration request information is authenticated through the validity confirming unit 1220, the expiration termination service providing server 1200 includes a predetermined expiration date including the received expiration request information. Electronic document generation unit 1225 (or an electronic document generating means) for generating a termination request electronic document, and an electronic document transmission for transmitting the generated expiration termination request electronic document to an electronic document repository associated with the expiration termination service providing system. It is characterized by comprising a portion 1230 (or an electronic document transmission means).

The electronic document generating unit 1225 may generate an expiration request electronic document including the expiration request information received from the customer terminal 1280 through the information receiving unit 1215.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1225 may include customer information included in the expiration termination request information received through the information receiving unit 1215, financial product information to be terminated, and financial account information to be deposited. Generating at least one document content including at least one document file, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI file, or an HWP / DOC file) including the document content. A word processor file, or a web document file including an MHT) is preferably processed as an expiration termination request electronic document for providing a financial product termination service for a customer who has approved the expiration termination service registration.

Alternatively, the electronic document generation unit 1225 may include at least one document including customer information, expiration termination financial product information, and deposit target financial account information included in the expiration termination request information received through the information receiving unit 1215. After generating content and including at least one or more information of the customer information included in the expiration request information, the expiration of the expiration of the financial product information, the deposit target financial account information in the document content in a watermarking (Watermarking) method, the water Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Expiration of expiration to provide financial instrument termination services to customers who have approved the above-mentioned termination services. To process the electronic document to blue is preferred.

Alternatively, the electronic document generation unit 1225 may include at least one document including customer information, expiration termination financial product information, and deposit target financial account information included in the expiration termination request information received through the information receiving unit 1215. Finance for a customer who has created content and has approved the termination service for registration of an image file including image content (e.g., image content generated by capturing the document content on a memory) which captured the document content. It is preferable to process the expiration request electronic document for the provision of the product termination service.

Alternatively, the electronic document generation unit 1225 may include at least one document including customer information, expiration termination financial product information, and deposit target financial account information included in the expiration termination request information received through the information receiving unit 1215. Customer information included in the expiration request information, image information captured by capturing the document content (eg, the image content generated by capturing the document content on a memory), and information about the financial product to be expired. Terminating the financial product for the customer who has approved at least one of the financial object information of the deposit target information, and after the watermarking method, the image file containing the watermarking image content approved for registration of the termination service It is desirable to process the expiration request electronic document for service provision.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1225 may include customer information included in the expiration termination request information received through the information receiving unit 1215, information on the financial product subject to termination, and the financial account to be deposited. A predetermined document file (eg, an image content generated by generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). , A portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is advisable to treat it as an electronic expiration request electronic document for the provision of a financial instrument termination service to a customer who has approved the service registration.

Alternatively, the electronic document generation unit 1225 may include at least one document including customer information, expiration termination financial product information, and deposit target financial account information included in the expiration termination request information received through the information receiving unit 1215. Customer information included in the expiration request information, image information captured by capturing the document content (eg, the image content generated by capturing the document content on a memory), and information about the financial product to be expired. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one or more pieces of information of a deposit target financial account by a watermarking method, and including the image content including the watermarking; , Or a word processor wave including at least one EDI (Electronic Data Interchange) file, or at least one HWP / DOC. Or by creating a web page, such as a file) that contains the MHT, it is preferable to process due to termination request electronic documents for financial instruments termination services to customers Approved the termination service registration expired.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1225 may include customer information included in the expiration termination request information received through the information receiving unit 1215, financial product information for termination of expiration, and payment target finance. Generating document content including at least one account information, including image content (eg, image content generated by capturing the document content on a memory) and the expiration request information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By creating a Electronic Termination Request electronic document for the provision of a financial instrument termination service to a customer who has approved the termination service registration. It is preferable to.

Alternatively, the electronic document generation unit 1225 may include at least one document including customer information, expiration termination financial product information, and deposit target financial account information included in the expiration termination request information received through the information receiving unit 1215. Customer information included in the expiration request information, image information captured by capturing the document content (eg, the image content generated by capturing the document content on a memory), and information about the financial product to be expired. And generating an image content including at least one or more information of the deposit target financial account information by a watermarking method, and a document file including the watermarking image content and the expiration request information (eg, At least one Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, or HWP / DOC. By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process the expiration request electronic document for providing the financial product termination service to the customer who approved the registration of the termination service.

Those skilled in the art to which the present invention pertains, technical features that the electronic document generation unit 1225 generates an expiration request electronic document of an image file format and / or a predetermined document file format, and the expiration The technical features of the file format of the image file and / or the document file corresponding to the requesting electronic document will be well understood, so a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 1230 transmits and stores the expiration termination request electronic document generated by the electronic document generation unit 1225 to a predetermined electronic document repository associated with the expiration termination service providing system. do.

As shown in FIG. 12, the electronic document repository is connected to the expiration termination service providing server 1200 on the expiration termination service providing system through a predetermined communication means and the electronic document server 1255 and the electronic document D /. When provided externally, including the B (1275), the electronic document transmission unit 1230, the electronic document server via the communication means for the expiration request electronic document generated by the electronic document generation unit 1225 It is characterized in that the transmission to (1255).

Here, when the electronic document server 1255 and the electronic document D / B 1275 are provided outside the expiration termination service providing system, the electronic document server 1255 and the electronic document D / B 1275 are provided. It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the expiration termination service providing system, the electronic document transmitting unit 1230 is generated by the electronic document generating unit 1225. The expiration termination request electronic document may be stored in the electronic document D / B 1275 corresponding to the electronic document storage on the DBMS provided in the expiration termination service providing system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 1230 may input electronic document related information (eg, the expiration request information) for generating predetermined electronic document management information in the electronic document server 1255 ( The customer information, and / or financial institution information for transmitting the expiration request electronic document, and / or electronic document file format information, and / or the expiration request information, etc.). It is possible to transmit to the storage, by which the present invention is not limited.

Referring to FIG. 12, the expiration termination service providing server 1200 may request that the expiration termination request information received through the information receiving unit 1215 approve registration of the expiration termination service through the validity checking unit 1220. When the validity for providing a financial product termination service for Korea is authenticated, the predetermined storage medium may be processed by linking the customer information included in the validity expiration request information, the expiration date of the expiration of the financial product, and the financial account information of the deposit target. And an information storage unit 1245 (or information storage means) stored in 1250.

When the validity of the expiration request information is confirmed by the validity confirmation unit 1220, the information storage unit 1245 is the customer information included in the expiration request information, the financial product information of the expiration of termination, the target financial And storing the information on the storage medium 1250 in association with the account information. The storage medium 1250 is provided in the expiration termination service providing server 1200 or the expiration termination service providing server 1200. When provided on the connected network, the information storage unit 1245 processes the customer information included in the received expiration request information, the expiration of the financial product information, the financial account information to be deposited, the storage medium ( 1250, the storage medium 1250 is provided in the DBMS provided on the financial system, the information storage unit 1245 is terminated the received expiration The customer information, expiration termination target instrument information, payment destination financial account information included in the blue information over the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 12, the expiration termination service providing server 1200 includes a cancellation processing unit 1235 (or a termination processing unit) for processing termination of the expiration termination target financial product included in the received expiration termination request information; When the termination process is completed, the user interface is generated (or extracted) including the new target financial product information to the customer terminal, and the generated (or extracted) user interface is processed to be output through the interface unit 1205. When a new request for one or more of the new target financial product information is requested through an interface providing unit 1210 (or an interface providing means) and a user interface provided through the interface providing unit 1210, new processing request information is requested. A receiving information receiving unit 1215 (or information receiving means) and a financial account corresponding to the received new processing request information; And a financial transaction processing unit 1240 (or financial transaction processing means) for depositing a portion (or the total amount) deposited in the terminated financial product into the opened financial account. It features.

The cancellation processing unit 1235 is characterized in that the cancellation processing for the expiration termination target financial products included in the received expiration request information.

According to the implementation method of the present invention, the termination processing for the expiration of the financial products subject to termination of expiration, the interest, principal, tax, etc. for the expiration of the financial products subject to termination It is preferable to calculate the amount of money information available for withdrawal through a financial product, and set it as terminated on the financial product ledger for the financial product to be expired.

If the expiration termination processing for the expiration-targeted financial product is normally completed through the cancellation processing unit 1235, the interface providing unit 1210 may partially (or the entire amount) of the gold roll deposited in the canceled financial product. And generating (or extracting) a user interface including new target financial instrument information that can be deposited, and transmitting the generated (or extracted) user interface to the client terminal 1280 requesting termination of expiration. When new processing request information about one or more of the new target financial product information is input through the user interface output to the customer terminal, the information receiving unit 1215 may receive the new processing request information.

Thereafter, the financial transaction processing unit 1240 opens and processes the financial product corresponding to the received new processing request information, and a part of the withdrawable amount calculated through the termination processing unit 1235 to the opened financial product ( Or deposit the entire amount) into the deposit target financial account included in the termination request information (or the transfer system which was transferred to the expiration target financial product).

In addition, in response to the new processing request information, when a new financial product is processed, incentives (for example, interest rate preferential incentives, various fees (transfer, unpaid deposit and withdrawal, automatic device usage fee, transfer fee, etc.)) are exempted (or discounted). ) Incentives, etc.).

Referring to FIG. 12, a predetermined expiration termination request electronic document is received from the expiration termination service providing server 1200 provided on the expiration termination service providing system, and stored and managed in a predetermined electronic document D / B 1275. The electronic document server 1255 may include an electronic document receiving unit 1260 (or an electronic document receiving unit) for receiving a predetermined expiration request electronic document from the expiration termination service providing server 1200 through a predetermined communication unit; An information generating unit 1265 (or information generating means) for generating predetermined electronic document management information for storing and managing the received expiration request electronic document in the electronic document D / B 1275; And an electronic document storage unit 1270 (or electronic document storage means) for managing the management information and the expiration request electronic document in association and storing it in a predetermined electronic document D / B 1275. It is done.

The electronic document receiving unit 1260 may receive an expiration requesting electronic document in the form of an image file and / or a document file from the expiration termination service providing server 1200 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving unit 1260 receives the expiration request electronic document received through the communication means, the expiration of the expiration termination service providing server 1200 received from the customer terminal 1280 A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including document content including at least one or more of customer information included in the termination request information, financial product information subject to expiration, and financial account information to be deposited). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document receiving unit 1260, the expiration termination request received through the communication means electronic document is a customer included in the expiration termination request information received by the expiration termination service providing server 1200 from the customer terminal 1280 At least one or more of the customer information included in the expiration request information, the expiration of the financial product information, the financial object information to be deposited in the document content including at least one information, information on the financial instruments subject to termination After the information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermarking. A word processor file including at least one or a web document file including an MHT). Preferable.

Alternatively, the electronic document receiving unit 1260, the expiration termination request received through the communication means electronic document is a customer included in the expiration termination request information received by the expiration termination service providing server 1200 from the customer terminal 1280 An image including image content (e.g., image content generated by capturing the document content on a memory) including document content including at least one of information, an expiration target financial product information, and a deposit target financial account information It is preferable to include a file.

Alternatively, the electronic document receiving unit 1260, the expiration termination request received through the communication means electronic document is a customer included in the expiration termination request information received by the expiration termination service providing server 1200 from the customer terminal 1280 Terminating the expiration on the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of information, financial product information to be expired, and financial account information to be deposited. After the watermarking method includes at least one or more of the customer information included in the request information, the expiration target financial product information, the deposit target financial account information, and an image file including the image content including the watermarking; It is preferable to comprise.

According to another exemplary embodiment of the present invention, the expiration termination request electronic document received by the electronic document receiving unit 1260 through the communication means is received by the expiration termination service providing server 1200 from the customer terminal 1280. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information included in the expiration request information, financial product information to be expired, and financial account information to be deposited. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including an image content, or an MHT Web document files, etc.).

Alternatively, the electronic document receiving unit 1260, the expiration termination request received through the communication means electronic document is a customer included in the expiration termination request information received by the expiration termination service providing server 1200 from the customer terminal 1280 Terminating the expiration on the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of information, financial product information to be expired, and financial account information to be deposited. Generate image content including at least one or more of the customer information included in the request information, the financial product information to be expired, and the financial account information to be deposited in a watermarking manner, and the image content including the watermarking is generated. Document files that are included (for example, Portable Document Format (PDF) files, or EDI (Electronic Data Interchange) files It is preferred which comprises a, or the web document file, and so on) containing the HWP / DOC a word processing file containing at least one, and the like, or MHT.

According to another exemplary embodiment of the present invention, the expiration termination request electronic document received by the electronic document receiver 1260 through the communication means is received by the expiration termination service providing server 1200 from the customer terminal 1280. Image content (eg, capturing the document content in the memory by capturing document content including at least one or more of customer information included in the expiration request information, financial product information to be expired, and financial account information to be deposited). A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content) and the expiration request information. Processor file, or a web document file including MHT).

Alternatively, the electronic document receiving unit 1260, the expiration termination request received through the communication means electronic document is a customer included in the expiration termination request information received by the expiration termination service providing server 1200 from the customer terminal 1280 The expiration of the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of information, a financial product subject to expiration, and financial account information to be deposited. Generate image content including at least one or more of the customer information included in the termination request information, the financial product information to be expired, and the financial account information to be deposited in a watermarking manner, and the image content including the watermarking. And a document file (eg, a Portable Document Format (PDF) file) containing the expiration request information; An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

The information generating unit 1265 is a predetermined electronic document unique number (or unique information) to be assigned to the expiration termination request electronic document received through the electronic document receiving unit 1260, and through the electronic document receiving unit 1260 And generating electronic document management information including electronic document storage date and time information including a date and time at which the expiration request electronic document was received (or a date and time at which the expiration request electronic document was stored).

According to the exemplary embodiment of the present invention, the information generation unit 1265 refers to the expiration termination service providing server 1200 that transmits the expiration termination request electronic document received through the electronic document receiving unit 1260 and the expiration date. It is preferable to confirm the financial institution that sent the termination request electronic document, and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 1260 further receives a predetermined electronic document related information from the expiration termination service providing server 1200, the information generating unit 1265 is the Customer information transmitted by inputting (selecting) the expiration request information, and / or financial institution information transmitting the expiration request electronic document, and / or electronic document file format information, And / or the expiration request information, etc.).

The electronic document storage unit 1270 associates an expiration request message electronic document received through the electronic document receiving unit 1260 with electronic document management information generated through the information generating unit 1265, thereby providing a predetermined electronic document D. / B (1275) is characterized in that.

According to the exemplary embodiment of the present invention, the expiration termination request electronic document stored in the electronic document D / B 1275 by the electronic document storage unit 1270 is the expiration termination service providing server 1200 of the customer terminal ( A document file (eg, a Portable Document Format (PDF) file) containing document content including at least one of customer information included in the expiration termination request information received from 1280, financial product information to be expired, and financial account information to be deposited. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the expiration termination request stored in the electronic document D / B 1275 by the electronic document storage unit 1270 may terminate the expiration received by the termination service providing server 1200 from the customer terminal 1280. The customer information included in the expiration request information, the financial information to be terminated, the financial information to be deposited, the document content including at least one of the customer information included in the request information, the financial product information to be terminated, the financial account information to be deposited After including at least one of the account information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file) , Or a word processor file including at least one of HWP / DOC, or a web document file including MHT). Is recommended.

Alternatively, the expiration termination request stored in the electronic document D / B 1275 by the electronic document storage unit 1270 may terminate the expiration received by the termination service providing server 1200 from the customer terminal 1280. Image content capturing document content including at least one or more of customer information included in the request information, financial product information to be expired, and financial account information to be deposited (for example, an image generated by capturing the document content on a memory). It is preferably made to include an image file containing the content).

Alternatively, the expiration termination request stored in the electronic document D / B 1275 by the electronic document storage unit 1270 may terminate the expiration received by the termination service providing server 1200 from the customer terminal 1280. Image content capturing document content including at least one or more of customer information included in the request information, financial product information to be expired, and financial account information to be deposited (for example, an image generated by capturing the document content on a memory). Content information) including at least one or more of the customer information included in the expiration request information, the expiration of the financial product information, and the financial account information to be deposited in a watermarking method, and then the image content including the watermarking. It is preferable to include an image file including a.

According to another exemplary embodiment of the present invention, the expiration termination request electronic document stored in the electronic document D / B 1275 by the electronic document storage unit 1270 is the expiration termination service providing server 1200 of the customer terminal. Image content (e.g., the document content) which captures document content including at least one of customer information included in the expiration termination request information received from 1280, financial product information to be expired, and financial account information to be deposited. To a predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including an image content generated by capturing the image on a memory. File, or a web document file including MHT).

Alternatively, the expiration termination request stored in the electronic document D / B 1275 by the electronic document storage unit 1270 may terminate the expiration received by the termination service providing server 1200 from the customer terminal 1280. Image content capturing document content including at least one or more of customer information included in the request information, financial product information to be expired, and financial account information to be deposited (for example, an image generated by capturing the document content on a memory). Content image) including at least one or more information of the customer information included in the expiration request information, the expiration of the expiration target financial product information, the financial account information to be deposited in a watermarking manner, and generates the watermarking Document file (eg, Portable Document Format (PDF) file, or Electronic Data Interchange (EDI) file) containing the embedded image content. It comprises a work, or a word processor including at least one of HWP / DOC, file, or web page file containing the MHT, etc.) are preferred.

According to another exemplary embodiment of the present invention, the expiration request for electronic document stored in the electronic document D / B 1275 by the electronic document storage unit 1270 is the expiration termination service providing server 1200 for the customer. Image content (eg, the document) which captures document content including at least one of customer information included in the expiration termination request information received from the terminal 1280, financial product information to be expired, and financial account information to be deposited. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing the contents of the image captured by capturing the content on a memory and the expiration request information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the expiration termination request stored in the electronic document D / B 1275 by the electronic document storage unit 1270 may terminate the expiration received by the termination service providing server 1200 from the customer terminal 1280. Image content capturing document content including at least one or more of customer information included in the request information, financial product information to be expired, and financial account information to be deposited (for example, an image generated by capturing the document content on a memory). Content image) including at least one or more information of the customer information included in the expiration request information, the expiration of the expiration target financial product information, the financial account information to be deposited in a watermarking manner, and generates the watermarking A document file (e.g., a Portable Document Format (PDF) file) containing the included image content and the expiration request information, and It is preferred comprising the EDI (Electronic Data Interchange) file, or web document file containing a word processor comprising at least one of HWP / DOC, such as files, or the like MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 1275 by the electronic document storage unit 1270 in association with the expired request electronic document is stored in the expired request electronic document. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1275 by the electronic document storage unit 1270 in association with the electronic document storage request electronic document is stored in the electronic document D / B 1275. Preferably, the electronic device further includes financial institution information that transmits the expiration termination request electronic document identified by referring to the expiration termination service providing server 1200 which transmits the electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the expiration termination service providing server 1200, the electronic document storage unit 1270 associates with the expired request electronic document. The electronic document management information stored in the electronic document D / B 1275 may include customer information transmitted by inputting (selecting) the received electronic document related information (eg, the expiration request information), and / or the expiration date. Financial institution information for transmitting the termination request electronic document, and / or electronic document file format information, and / or the expiration termination request information, etc.).

Figure 13 is a maturity stored in the ledger D / B (1300) provided in the DBMS on the financial system in a non-face-to-face in order to provide a financial product termination service for customers who approved the registration of termination service in accordance with an embodiment of the present invention It is a figure which shows the structure of a request for termination information.

In more detail, in FIG. 13, when the storage medium 1250 illustrated in FIG. 12 is the ledger D / B 1300 provided in the DBMS on the financial system, the ledger information included in the ledger D / B 1300 is used. An information structure for an implementation method of storing expiration termination request information including the customer information, the expiration termination financial product information, and the deposit target financial account information is shown, and has a general knowledge in the technical field to which the present invention belongs. It will be possible to infer various information construction methods for storing the expiration request information in the ledger D / B 1300 by referring to and / or modifying this drawing 13, but the present invention provides all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to FIG. 13 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1300 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 1300 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

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

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

Referring to FIG. 13, the expiration termination request information provided through the expiration termination service providing system shown in FIG. 12 is stored in the form of additional information added to the account ledger, and the expiration termination request information is customer information. At least one of the financial product information, the target financial product information, the target financial account information, which is to be terminated.

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 member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the expiration termination service providing system in response to the customer It is preferable to make it.

The financial product information subject to termination of expiration may include financial product names, sales company names, manager names, initial payment amounts, monthly payment amounts, and the like for one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration are periodic deposits, savings regular payments, free savings savings, long-term housing savings, and subscriptions. It is preferable to include an installment etc.

Preferably, the deposit target financial account information includes target financial account information for depositing an amount deposited in the expiration- terminated financial product after the expiration termination processing of the financial instrument subject to termination of the customer.

According to another exemplary embodiment of the present invention, the expiration request information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

Figure 14 is associated with the ledger D / B (1300) provided in the DBMS on the financial system in a non-face-to-face in order to provide a financial product termination service for the customer who approved the termination service registration according to another embodiment of the present invention FIG. 10 is a diagram illustrating the expiration request information structure stored in a database.

More specifically, FIG. 14 shows an information structure for an exemplary method in which the storage medium 1250 shown in FIG. 12 is stored in a predetermined database linked to the ledger D / B 1300 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 14 to link the expiration request information with a ledger D / B 1300 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 14, when it is not easy to store the expiration request information in the ledger information of the ledger D / B 1300 on the DBMS provided on the financial system (for example, the ledger of the DBMS in accordance with the policy of a financial institution). If it is not easy to change the D / B 1300 or the system is not easy to expand due to the characteristics of the financial system), the expiration request information is stored in a predetermined database instead of the ledger D / B 1300. FIG. 3 illustrates an implementation method of linking and storing the database and the ledger D / B 1300.

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 14, and the database on the Internet banking system according to the intention of a person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, whereby the present invention is not limited.

Referring to Figure 14, the database is characterized in that the customer information contained in the expiration request information, the expiration of the financial product information, the deposit target financial account information is stored in a linked process, the expiration request information is It is preferable that the expiration request information further includes a CIF number corresponding to the ledger information in order to be linked to the ledger D / B 1300.

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 member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the expiration termination service providing system in response to the customer It is preferable to make it.

The financial product information subject to termination of expiration may include financial product names, sales company names, manager names, initial payment amounts, monthly payment amounts, and the like for one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration are periodic deposits, savings regular payments, free savings savings, long-term housing savings, and subscriptions. It is preferable to include an installment etc.

Preferably, the deposit target financial account information includes target financial account information for depositing an amount deposited in the expiration- terminated financial product after the expiration termination processing of the financial instrument subject to termination of the customer.

Figure 15 illustrates the composition of the expiration request information stored in the DBMS provided in the banking server in a non-face-to-face in order to provide a financial product cancellation service for the customer who approved the expiration service registration according to another embodiment of the present invention Drawing.

More specifically, FIG. 15 illustrates an embodiment of the method in which the storage medium 1250 shown in FIG. 12 is provided in a DBMS provided in an internet banking system and / or a predetermined banking server provided on a TV banking system. As one of ordinary skill in the art to which the present invention pertains, information configuration on expiration request information stored in a predetermined DBMS provided in at least one or more banking servers by referring to and / or modifying the drawing 15 may be used. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 15, a predetermined DBMS provided in the banking server stores and stores the customer information included in the expiration request information, the financial product information to be terminated, and the financial account information to be deposited. .

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 or more of member ID information, CIF (Customer Information File), etc. provided in the customer ledger provided on the financial system associated with the expiration termination service providing system in response to the customer. It is preferable to comprise.

The financial product information subject to termination of expiration may include financial product names, sales company names, manager names, initial payment amounts, monthly payment amounts, and the like for one or more financial products subscribed to by the customer through the financial product subscription processing system shown in FIG. It is preferable to include at least one or more of the monthly payment date, various fees according to the product operation, product operation period, etc., and the financial products subject to termination of expiration are periodic deposits, savings regular payments, free savings savings, long-term housing savings, and subscriptions. It is preferable to include an installment etc.

Preferably, the deposit target financial account information includes target financial account information for depositing an amount deposited in the expiration- terminated financial product after the expiration termination processing of the financial instrument subject to termination of the customer.

16A and 16B illustrate a process of registering expiration request information in a non-face-to-face manner in order to provide a financial product termination service for a customer who has approved the termination service registration according to an embodiment of the present invention.

In more detail, in FIG. 16A and FIG. 16B, the client terminal 1280 on the expiration termination service providing system shown in FIG. 12 is a client terminal, and the expiration termination service providing server 1200 is a client through a predetermined network means. In the case where the terminal has a web server function to which the terminal is accessible, the customer information through the client terminal to provide the financial product termination service to the customer who has approved the termination service registration, customer information, the financial product information to be terminated When providing the expiration request information including at least one deposit target financial account information, the expiration termination service providing system generates a predetermined expiration request information electronic document including the provided expiration request information, the predetermined electronic document The customer information stored in the storage and included in the expiration request information The present invention relates to an implementation method of linking the expiration date of the financial product information and the information of the financial account to be deposited, and storing it in a predetermined storage medium 1250. If one having ordinary knowledge in the technical field to which the present invention belongs, 16A and 16B may be inferred from various implementation methods for registering the expiration request information from the client terminal to the expiration termination service providing server 1200 by referring to and / or modifying the present invention. It includes an implementation method and is not limited to the implementation method shown in Figs. 16A and 16B.

For example, in the embodiments illustrated in FIGS. 16A and 16B, a web page provided by the expiration termination service providing server 1200 may provide a user interface for the client terminal to input (or select) the expiration request information. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the expiration termination service providing server 1200, whereby the present invention is limited Not.

Hereinafter, in FIG. 16A and FIG. 16B, the client terminal shown in FIG. 12 is referred to as a "terminal" for convenience, and the expiration termination service providing server 1200 shown in FIG. 12 is referred to as a "server" for convenience. The customer information transmitted from the terminal to the expiration termination service providing server 1200, the expiration of the expiration target financial product information, the financial account information to be deposited is referred to as "expiration request information" for convenience.

Referring to FIGS. 16A and 16B, the client terminal shown in FIG. 12 connects to the server through a predetermined network means (e.g., when the client terminal is a wired terminal, through a TCP / IP based wired communication network, and communicates with a predetermined communication). When the user requests a web page including a user interface for connecting a channel and providing a financial product termination service to a customer who has approved the termination service registration (1600), the server responds to the customer information and the termination date. Generating (or extracting) a web page including a user interface for inputting (or selecting) expiration request information including at least one financial product information and financial account information to be deposited and transmitting the same to the server (1605), A web page including the generated (or extracted) user interface via the network means to the terminal It transmits and outputs it (1610).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the expiration request information registration procedure, and thus the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) expiration request information including at least one or more customer information, expiration of termination financial products information, and deposit target financial account information through a user interface included in the web page (1615).

If the terminal receives (or selects) the expiration request information including the customer information, the expiration of the expiration target financial product information, and the deposit target financial account information through the user interface (1620), the terminal establishes the communication channel. In operation 1625, the inputted (or selected) customer information, the expiration target financial product information, and the deposit target financial account information are transmitted to the server.

According to an embodiment of the present invention, the terminal validates the validity of the expiration request information from the server to the expiration request information including at least one or more of the customer information, the expiration of the expiration target financial product information, the target financial account information. At least one or more of a predetermined password and / or security card information for confirmation and / or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means. Do.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption) for expiration request information including at least one or more of the customer information, the expiration target financial product information, and the deposit target financial account information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the expiration request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key. Or, and / or the accredited certificate is provided in a predetermined IC chip (or IC card), It is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption) for expiration request information including at least one or more of the customer information, the expiration target financial product information, and the deposit target financial account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), a card for confirming the authentication certificate provided in the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art should understand the technical features of various encryption schemes for encrypting the expiration request information and the technical features of attaching a predetermined electronic signature to the expiration request information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks and validates the validity of the expiration request information by receiving and reading the customer information, the expiration target financial product information, and the deposit target financial account information through the communication channel (1630).

According to an embodiment of the present invention, the expiration request information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted expiration request information to at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received expiration request information.

Alternatively, when a predetermined electronic signature is attached to the expiration request information, it is preferable that the server verifies the validity of the received expiration request information by checking the electronic signature attached to the expiration request information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted expiration request information, and technical features for confirming an electronic signature attached to the expiration request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the expiration request information received through the information receiving unit 1215 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the expiration request information, the server terminates the expiration It is preferable to authenticate the validity of the received expiration request information by comparing and authenticating a password included in the request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the expiration request information received through the information receiving unit 1215 further includes predetermined security card information for confirming the validity of the expiration request information, the server may add the expiration request information to the expiration request information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received expiration request information.

Alternatively, when the expiration request information received through the information receiving unit 1215 further includes a predetermined OTP code for checking the validity of the expiration request information, the server is included in the expiration request information. It is preferable to authenticate the validity of the received expiration request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity check of the expiration request information is at least one ledger that matches the expiration request information on the ledger D / B (1300) on the financial system associated with the expiration termination service providing system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 1220 may include, among the information included in the expiration request information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the expiration termination service providing system D / It is preferable to include a check that matches with the customer ledger stored in B (1300).

In addition, the validity check on the expiration request information, it is preferable to check whether the expiration termination service registration approval customer for one or more financial products of the customer among the information included in the expiration request information.

Here, it is preferable that the customer confirms whether the customer expires the registration service for expiration termination service registration of at least one financial product, when the customer accesses the expiration termination service providing server 1200. It may vary depending on the purpose.

If the validity of the expiration request information is not authenticated (1635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1640) and corresponds to the expiration request information. Do not perform the information registration procedure.

On the other hand, if the validity of the expiration request information is authenticated (1635), the server includes at least one or more customer information including the expiration request information, the expiration of the financial product information, the predetermined financial account information including the deposit target financial account information A document content is generated (1645), and a predetermined expiration request electronic document including the document content is generated (1650).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information included in the received expiration request information, the expiration of the expiration date financial product information, the target financial account information, and the Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an expiration termination request electronic document for the provision of a financial instrument termination service to a customer who has approved the expiration termination service registration.

Alternatively, the server generates document content including at least one or more customer information included in the received expiration request information, the expiration of the expiration target financial product information, the financial account information to be deposited, and the expiration request to the document content A document file (eg, a document file including document content including the watermarking) after including at least one or more information of customer information included in the information, financial product information to be terminated, and financial account information to be deposited, by a watermarking method. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process the expiration request electronic document to provide financial services termination service to the approved customer. .

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Process an image file including an image content (e.g., image content generated by capturing the document content in memory) into an expiration request electronic document for providing a financial product termination service to a customer who has approved the termination service registration. It is desirable to.

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Water information of at least one of the customer information included in the expiration request information, the financial product information to be terminated, and the financial account information to be deposited into one image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, processing an image file including the image content including the watermarking as an expiration request electronic document for providing a financial product termination service to a customer who has approved the termination service registration. desirable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more of customer information included in the received expiration request information, the expiration date of the expiration target financial product information, the target financial account information, A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange), or a word processing file including at least one of HWP / DOC, or a web document file including MHT) to provide a financial product termination service to a customer who has approved the termination service registration. It is desirable to process the expiration request for electronic documents.

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Water information of at least one of the customer information included in the expiration request information, the financial product information to be terminated, and the financial account information to be deposited into one image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file including at least one DOC, or a web document file including an MHT) By generating, it is preferable to process the expiration termination request electronic document for the provision of the financial product termination service to the customer who has approved the termination service registration.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information included in the received expiration request information, the expiration date of the financial product, and the financial account information of the deposit target. And a predetermined document file (eg, Portable Document Format (PDF)) including image content (eg, image content generated by capturing the document content on a memory) and the expiration request information. File, 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), to the customer who has approved the termination service registration. It is advisable to treat it as an electronic document for expiration of termination for the provision of termination services.

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Water information of at least one of the customer information included in the expiration request information, the financial product information to be terminated, and the financial account information to be deposited into one image content (for example, image content generated by capturing the document content on a memory). A document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data) that generates image content including a watermarking method and includes the watermarking image content and the expiration request information) is generated. Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT By generating a web document file, etc.), it is preferable to process the expiration termination request electronic document for the provision of the financial product termination service to the customer who approved the registration of the termination service.

Those skilled in the art to which the present invention pertains can include technical features that allow the server to generate an expiration request electronic document in an image file format and / or a predetermined document file format, and correspond to the expiration request electronic document. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated expiration request electronic document in a predetermined electronic document storage (1655).

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1255 and an electronic document D / B 1275 associated with a server on the expiration termination service providing system through predetermined communication means. When provided externally, the server preferably transmits the generated expiration request electronic document to the electronic document server 1255 through the communication means and stores the electronic document server 1255 in the electronic document D / B 1275.

Alternatively, when the electronic document storage is provided on the DBMS provided in the expiration termination service providing system, the server stores the generated expiration request electronic document on the DBMS provided in the expiration termination service providing system. It is possible to store in the electronic document D / B 1275 corresponding to the above, thereby the present invention is not limited.

According to an embodiment of the present invention, storing the expired expiration request electronic document in the electronic document repository may be performed by linking the generated expired expiration request electronic document with predetermined electronic document management information. It is preferable to include storing in document D / B 1275.

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

Preferably, the electronic document management information further includes financial institution information that transmits the expiration request electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the expiration request information) and / or financial institution information transmitting the expiration request electronic document, and And / or electronic document file format information, and / or the expiration request information.

If the expiration request electronic document is stored in the electronic document repository (1660), the server processes the customer information included in the expiration request information, the expiration of the expiration of the financial product information, the financial account information to be deposited After storing (1665) in a predetermined storage medium (1250), and canceling the expiration of the target financial instrument corresponding to the received expiration request information (1670), input one or more of the new target financial product information (or A web page including a user interface for selection) is generated (or extracted) (1675), and the generated web page is transmitted to the terminal through the communication channel to be output (1680).

Thereafter, the terminal checks whether the new processing request information is input (or selected) through the output user interface (1685).

If new processing request information is input (or selected) through the user interface (1690), the terminal transmits new processing request information to a server through the communication channel (1695).

Thereafter, the server opens and processes the financial product corresponding to the received new processing request information, and deposits a portion (or the total amount) of the amount deposited in the terminated financial product into the opened financial product. (1697) generate (or extract) financial product new processing result information (e.g., the amount deposited into the financial account of the customer's name, the termination date and time of the termination processing application, the processing completion date and time) for the new processing request information; And transmits it to the terminal (1699).

According to an embodiment of the present invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the expiration termination service providing system (or associated with the expiration termination service providing system). At this time, the storage medium 1250 may be a ledger D / B 1300 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1300. This is not limited.

According to another embodiment of the present invention, the storage medium 1250 is a DBMS on at least one or more of the Internet banking system, and / or TV banking system provided on (or associated with) the expiration termination service providing system It is possible to be provided in, and thereby the present invention is not limited.

17A, 17B, and 17C illustrate a process of registering expiration request information through a non-face-to-face financial transaction channel to provide a financial product termination service to a customer who has approved termination service registration according to one embodiment of the present invention. Figure is a diagram.

In more detail, FIGS. 17A, 17B, and 17C illustrate a case in which the expiration termination service providing system shown in FIG. 12 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, termination of expiration shown in FIG. 12). In the case where the expiration termination service providing server 1200 on the service providing system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet, etc.) and a predetermined customer. After performing the authentication procedure, if the client terminal transmits predetermined expiration request information for providing the financial product termination service to the customer who has approved the termination service registration, the Internet banking server receives the received expiration request information. Generate a predetermined expiration request electronic document containing the expired expiration request information; The method of the present invention relates to an implementation method of storing in a predetermined storage medium 1250 by storing the information in the storage, and storing the customer information included in the expiration request information, the financial product information of the expiration date, and the financial account information to be deposited. Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 17a, 17b, and 17c to register the expiration request information through other types of non-face-to-face financial transaction channels. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 17A, 17B, and 17C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 17A, 17B, and 17C, Although an implementation method of connecting an Internet banking-based financial transaction channel for registering expiration request information between the client terminal and the Internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 17a, 17b, and 17c. And internet banking standing Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of expiration request information between the present invention, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 17a, 17b and 17c, Other banking systems, such as a TV banking system, may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for expiration of request information registration, but the present invention may provide the above-described TV banking system and / or future proposed ratio It includes all types of non-face-to-face channel-based financial transactions including face-to-face banking systems, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIGS. 17A, 17B, and 17C.

Hereinafter, in FIGS. 17A, 17B, and 17C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the expiration termination service providing server 1200 is referred to as a "server" for convenience.

17A, 17B, and 17C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1705a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1710a).

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

If a predetermined security module is to be installed and / or updated in the terminal (1715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1720a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1725a), or if the terminal does not need to install and / or update the Internet banking security module (1715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1730a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or 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 decoding the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to the algorithm), and information to be provided to the server for registration of request information expired by 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 If a predetermined digital 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 registration of expired 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 (1735a).

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

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

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

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

On the other hand, if the Internet banking customer authentication is successful (1750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1760a), where the Internet banking-based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined expiration request information for providing a financial product cancellation service for a customer who has approved the expiration termination service registration from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for providing a financial product termination service to a customer who has approved the termination service registration through the Internet banking-based financial transaction channel (1700b), The server may include a web page including a user interface for inputting (or selecting) expiration request information including at least one of the customer information, the expiration target financial product information, and the deposit target financial account information to the server. (1705b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1710b).

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

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the expiration request information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) the expiration request information including at least one of the customer information, the expiration of the expiration target financial product information, and the deposit target financial account information through the information registration interface (1715b).

If the terminal receives (or selects) the expiration request information including the customer information, the expiration target financial product information, and the deposit target financial account information through the user interface (1720b), the terminal accesses the financial transaction channel. The input (or selected) expired termination request information is transmitted to the server through 1725b.

According to an embodiment of the present invention, the terminal validates the validity of the expiration request information from the server to the expiration request information including at least one or more of the customer information, the expiration of the expiration target financial product information, the target financial account information. At least one or more of a predetermined password and / or security card information for confirmation and / or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means. Do.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption) for expiration request information including at least one or more of the customer information, the expiration target financial product information, and the deposit target financial account information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the expiration request information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key. And / or the official certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key based encryption) for expiration request information including at least one or more of the customer information, the expiration target financial product information, and the deposit target financial account information. Method, and / or public key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.) and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined certificate containing at least one encryption key, and / or the certificate has a predetermined IC chip (or IC). Card), a card for confirming the authentication certificate provided in the IC chip (or IC card) It is further provided that is preferred.

Those skilled in the art should understand the technical features of various encryption schemes for encrypting the expiration request information and the technical features of attaching a predetermined electronic signature to the expiration request information. Therefore, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the expiration request information through the financial transaction channel to confirm the validity of the expiration request information (1730b).

According to an embodiment of the present invention, the expiration request information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted expiration request information to at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received expiration request information.

Alternatively, when a predetermined electronic signature is attached to the expiration request information, it is preferable that the server verifies the validity of the received expiration request information by checking the electronic signature attached to the expiration request information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted expiration request information, and technical features for confirming an electronic signature attached to the expiration request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the expiration request information received through the information receiving unit 1215 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the expiration request information, the server terminates the expiration It is preferable to authenticate the validity of the received expiration request information by comparing and authenticating a password included in the request information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the expiration request information received through the information receiving unit 1215 further includes predetermined security card information for confirming the validity of the expiration request information, the server may add the expiration request information to the expiration request information. By comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received expiration request information.

Alternatively, when the expiration request information received through the information receiving unit 1215 further includes a predetermined OTP code for checking the validity of the expiration request information, the server is included in the expiration request information. It is preferable to authenticate the validity of the received expiration request information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to an embodiment of the present invention, the validity check of the expiration request information is at least one ledger that matches the expiration request information on the ledger D / B (1300) on the financial system associated with the expiration termination service providing system It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 1220 may include, among the information included in the expiration request information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the expiration termination service providing system D / It is preferable to include a check that matches with the customer ledger stored in B (1300).

In addition, the validity check on the expiration request information, it is preferable to check whether the expiration termination service registration approval customer for one or more financial products of the customer among the information included in the expiration request information.

Here, it is preferable that the customer confirms whether the customer expires the registration service for expiration termination service registration of one or more financial products, when the customer accesses the expiration termination service providing server 1200, and is intended by those skilled in the art. And depending on the purpose.

If the validity of the expiration request information is not authenticated (1735b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1740b) and corresponds to the expiration request information. Do not perform the information registration procedure.

On the other hand, if the validity of the expiration request information is authenticated (1735b), the server includes at least one or more customer information including the expiration request information, the expiration of the financial product information, the predetermined financial account information including the deposit target financial account information A document content is generated (1745b), and a predetermined expiration request electronic document including the document content is generated (1750c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one or more customer information included in the received expiration request information, the expiration of the expiration date financial product information, the target financial account information, and the Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an expiration termination request electronic document for the provision of a financial instrument termination service to a customer who has approved the expiration termination service registration.

Alternatively, the server generates document content including at least one or more customer information included in the received expiration request information, the expiration of the expiration target financial product information, the financial account information to be deposited, and the expiration request to the document content A document file (eg, a document file including document content including the watermarking) after including at least one or more information of customer information included in the information, financial product information to be terminated, and financial account information to be deposited, by a watermarking method. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process the expiration request electronic document to provide financial services termination service to the approved customer. .

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Process an image file including an image content (e.g., image content generated by capturing the document content in memory) into an expiration request electronic document for providing a financial product termination service to a customer who has approved the termination service registration. It is desirable to.

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Water information of at least one of the customer information included in the expiration request information, the financial product information to be terminated, and the financial account information to be deposited into one image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, processing an image file including the image content including the watermarking as an expiration request electronic document for providing a financial product termination service to a customer who has approved the termination service registration. desirable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more of customer information included in the received expiration request information, the expiration date of the expiration target financial product information, the target financial account information, A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange), or a word processing file including at least one of HWP / DOC, or a web document file including MHT) to provide a financial product termination service to a customer who has approved the termination service registration. It is advisable to process the expiration request electronic document.

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Water information of at least one of the customer information included in the expiration request information, the financial product information to be terminated, and the financial account information to be deposited into one image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file including at least one DOC, or a web document file including an MHT) By generating, it is preferable to process the expiration termination request electronic document for providing the financial product termination service to the customer who has approved the expiration termination service registration.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information included in the received expiration request information, the expiration date of the financial product, and the financial account information of the deposit target. And a predetermined document file (eg, Portable Document Format (PDF)) containing image content (eg, image content generated by capturing the document content on a memory) and the expiration request information. File, 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), to the customer who has approved the termination service registration. It is advisable to treat it as an electronic document for expiration of termination for the provision of termination services.

Alternatively, the server may generate document content including at least one of customer information, expiration of termination financial product information, and deposit target financial account information included in the received expiration request information, and capture the document content. Water information of at least one of the customer information included in the expiration request information, the financial product information to be terminated, and the financial account information to be deposited into one image content (for example, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file including the watermarking image content and the expiration request information (for example, a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange). ) Or a word processor file including at least one of HWP / DOC, or MHT. By creating a web page, etc. should file), it is preferable to process due to termination request electronic documents for financial instruments termination services to customers Approved the termination service registration expired.

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

Thereafter, the server stores the generated expiration request electronic document in a predetermined electronic document storage (1755c).

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1255 and an electronic document D / B 1275 associated with a server on the expiration termination service providing system through predetermined communication means. When provided externally, the server preferably transmits the generated expiration request electronic document to the electronic document server 1255 through the communication means and stores the electronic document server 1255 in the electronic document D / B 1275.

Alternatively, when the electronic document storage is provided on the DBMS provided in the expiration termination service providing system, the server stores the generated expiration request electronic document on the DBMS provided in the expiration termination service providing system. It is possible to store in the electronic document D / B 1275 corresponding to the above, thereby the present invention is not limited.

According to an embodiment of the present invention, storing the expired expiration request electronic document in the electronic document repository may be performed by linking the generated expired expiration request electronic document with predetermined electronic document management information. It is preferable to include storing in document D / B 1275.

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

Preferably, the electronic document management information further includes financial institution information that transmits the expiration request electronic document.

The electronic document management information may include predetermined electronic document-related information (eg, customer information transmitted by inputting (selecting) the expiration request information) and / or financial institution information transmitting the expiration request electronic document, and And / or electronic document file format information, and / or the expiration request information.

If the expiration request electronic document is stored in the electronic document storage (1760c), the server is linked to the customer information contained in the expiration request information, the expiration of the financial product information, the financial account information to be deposited After storing in a predetermined storage medium (1250) (1765c), and canceling the expiration of the expiration target financial products corresponding to the received expiration request information (1770c), input one or more of the new target financial products information ( Or generating (or extracting) a web page including a user interface for selection (1675c), and transmitting the generated web page to the terminal through the communication channel to be output (1680c).

Thereafter, the terminal checks whether the new processing request information is input (or selected) through the output user interface (1685c).

If new processing request information is input (or selected) through the user interface (1690c), the terminal transmits new processing request information to a server through the communication channel (1695c).

Thereafter, the server opens and processes the financial product corresponding to the received new processing request information, and deposits a portion (or the total amount) of the amount deposited in the terminated financial product into the opened financial product. (1697c) generate (or extract) financial product new processing result information (e.g., the amount deposited into the financial account of the customer's name, the termination date and time of the termination processing application, the processing completion date and time) for the new processing request information; And transmits it to the terminal (1699c).

According to an embodiment of the present invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the expiration termination service providing system (or associated with the expiration termination service providing system). At this time, the storage medium 1250 may be a ledger D / B 1300 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1300. This is not limited.

According to another embodiment of the present invention, the storage medium 1250 is a DBMS on at least one or more of the Internet banking system, and / or TV banking system provided on (or associated with) the expiration termination service providing system It is possible to be provided in, and thereby the present invention is not limited.

According to the present invention, it is possible for the customer to easily invest / deposit the financial instruments that have been terminated, without having to visit the financial institution, and to easily invest / deposit the other financial products. have.

According to the present invention, by making it possible to easily deposit / invest the deposit for the expiration- terminated financial product in other financial products, there is an advantage of reducing the reduction of the bank and the like.

Claims (5)

Confirming mobile phone information registered by the customer when the expiration date of the financial product subscribed to by the customer arrives; Financial product expiration guidance information-financial product information, expiration date information, financial instrument interest loss information after the expiration of the financial product expiration information is provided to the confirmed mobile phone, and for the financial product termination corresponding to the financial product expiration guidance through the customer mobile phone If the approval (or consent) is made, processing the termination of the financial instrument subject to termination held by the customer; When the termination processing of the financial instrument subject to termination of expiration held by the customer is normally performed, processing one or more new target financial product information is output to the customer's mobile phone, and when the customer requests a new one of the new target financial products, And processing the entire or part of the terminated financial product amount to be invested or deposited into the new financial product selected by the customer. The method of claim 1, New processing method after the termination of the financial product using a mobile phone, characterized in that further comprising the step of authenticating the customer or customer mobile phone. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for processing the termination of the expiration-targeted financial product held by the customer when the termination of the financial product due to expiration is requested through the customer mobile phone; When the termination processing of the financial instrument subject to termination of expiration held by the customer is normally performed, processing one or more new target financial product information is output to the customer's mobile phone, and when the customer requests a new one of the new target financial products, And means for processing all or part of the terminated financial product amount to be invested or deposited in the new financial product selected by the customer. Means for checking the mobile phone information registered by the customer when the expiration date of the financial product subscribed to the customer and processing a message for the expiration of the financial product to the confirmed customer mobile phone; When the customer's mobile phone is connected through the callback URL included in the message, the customer's mobile phone processes the expiration information of the financial product-financial product information, expiration date information, and information on the interest loss on financial products after the expiration. Means for obtaining a financial instrument termination approval (or consent) corresponding to the product termination guidance; Means for processing the termination of the financial instrument subject to termination of termination held by the customer when the financial instrument termination approval (or agreement) is completed; When the termination processing of the financial instrument subject to termination of expiration held by the customer is normally performed, processing one or more new target financial product information is output to the customer's mobile phone, and when the customer requests a new one of the new target financial products, And means for processing all or part of the terminated financial product amount to be invested or deposited in the new financial product selected by the customer.

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