KR20090124555A - System and method for loan service linked with financial goods of client and program recording medium - Google Patents

Abstract

PURPOSE: A loan service method connected with a customer joining financial produce inducing a continued transaction, a system and a program recording medium therefor are provided to satisfy loan needs of a customer by reducing the loss of indirect investment product. CONSTITUTION: A storage medium stores insurance agreement information including the object of loan object financial goods information, the insurance company information, automatic insurance buying process information based on the credit insurance contract. An information generating unit(1545) generates the financial account information based on the customer information, and the loan information. An account opening unit(1550) establishes the finance account of the client name including the financial account information.

Description

System and Method for Loan Service Linked with Financial Goods of Client and Program Recording Medium}

1 is a diagram illustrating a face-to-face information registration system for a loan service associated with a customer subscription financial product (or a customer-owned financial asset) according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a process of registering credit insurance agreement information in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a non-face-to-face information registration system for a loan service associated with a customer subscription financial product (or a customer-owned financial asset) according to another embodiment of the present invention.

4 is a diagram illustrating a process of registering credit insurance agreement information in a non-face-to-face manner for a loan service associated with a customer subscription financial product (or financial asset) according to an embodiment of the present invention.

5 is a diagram illustrating a face-to-face fund subscription system associated with a loan service according to an exemplary embodiment of the present invention.

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

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

FIG. 8 is a diagram illustrating an embodiment of a method in which a storage medium for storing fund subscription storage information corresponding to a fund subscribed in a face-to-face manner includes a DBMS provided in a banking server according to another embodiment of the present invention.

9A and 9B are diagrams illustrating a fund subscription process for linking with a loan service in a face-to-face manner according to one embodiment of the present invention.

10A and 10B are diagrams illustrating a fund subscription process for linking with a loan service in a face-to-face manner according to another exemplary embodiment of the present invention.

11A and 11B are diagrams illustrating a fund subscription process associated with a loan service in a face-to-face manner according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a non-face-to-face fund subscription system associated with a loan service according to another exemplary embodiment of the present invention.

13A and 13B are diagrams illustrating a fund subscription process associated with a loan service in a non-face to face manner according to one embodiment of the present invention.

14A, 14B, and 14C are diagrams illustrating a fund subscription process associated with a loan service according to one embodiment of the present invention.

FIG. 15 illustrates a system for establishing a loan account in a face-to-face manner for a loan associated with a customer subscription financial product (or financial asset) according to an exemplary embodiment of the present invention.

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

FIG. 17 illustrates a storage medium storing loan account management information corresponding to a loan account opened in a face-to-face manner according to another embodiment of the present invention, including a database associated with the ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method.

FIG. 18 is a diagram illustrating an embodiment of a method in which a storage medium for storing loan account management information corresponding to a loan account opened in a face-to-face manner includes a DBMS provided in a banking server according to another embodiment of the present invention.

19A and 19B illustrate a process of opening a loan account for a loan associated with a customer subscribed financial product (or financial asset) in a face-to-face manner according to one embodiment of the present invention.

20A and 20B illustrate a process of opening a loan account for a loan associated with a customer subscription financial product (or financial asset) in a face-to-face manner according to another exemplary embodiment of the present invention.

21A and 21B illustrate a process of opening a loan account for a loan linked to a customer subscription financial product (or financial asset) in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 22 is a diagram illustrating a non-face-to-face loan account opening system for a loan associated with a customer subscription financial product (or financial asset) according to another embodiment of the present invention.

23A and 23B illustrate a process of opening a loan account for a loan associated with a customer subscribed financial product (or financial asset) in a non-face to face manner according to one embodiment of the present invention.

24A, 24B, and 24C illustrate a process of opening a loan account for a loan associated with a customer subscribed financial product (or financial asset) according to one embodiment of the present invention.

<Description of main parts of drawing>

1500: financial company server 1505: interface unit

1510: interface providing unit 1515: information receiving unit

1520: Image receiving unit 1525: Validation unit

1530: information verification unit 1535: electronic document generation unit

1540: electronic document transmission unit 1545: information generating unit

1550: account opening 1555: insurance processing

1560: loan processing unit 1565: information storage unit

1570: storage medium 1575: electronic document server

1580: electronic document receiving unit 1585: information generating unit

1590: electronic document storage unit

The present invention provides a storage medium for storing insurance agreement information, including loan target financial product information, insurance company information, and automatic insurance subscription processing information, for loans from financial product subscription customers based on credit insurance contracts, and loan application customers subscribe. If a financial product meets the loan target financial product included in the insurance agreement information stored in the storage medium, the loan amount corresponding to the payment amount of the financial product of the customer is calculated, and the loan application customer is connected to the insurance company. The present invention relates to a loan service system that performs credit insurance automatic subscription processing and interworks with a customer subscription financial product including a server for processing a loan applied by the customer.

Recently, instability of the global financial market and the economic downturn have caused loss of indirect investment products, and it is time for a product that meets the corporate funding needs of high-quality customers that are difficult to repurchase.

In addition, due to the nature of the fund, it is time to find ways to resolve the shortage of funds for long-term customers and induce continuous trading.

In addition, it is the time to take an advanced product that supports 100% of the amount paid in the mortgage.

The problem of the present invention for solving the above problems is to save the insurance agreement information, including the loan target financial product information, insurance company information and automatic insurance subscription processing information for the loan of the financial product subscription customer based on the credit insurance contract in the server Storing in the medium, and when the customer applies for loan at the server, when the customer is a customer of subscription to the financial product, the financial product subscribed to the customer is included in the loan target financial product information included in the insurance agreement information stored in the storage medium. Checking whether the customer financial instrument is a loanable financial product included in insurance agreement information, identifying a payment amount of the financial product of the customer at the server, and paying the identified financial product at the server. Calculating a loan amount corresponding to the amount of money; And a loan service method for interworking with a customer subscription financial product, comprising: performing automatic insurance insurance subscription processing; and processing a loan applied by the customer at a server, and depositing the calculated loan amount into the customer account. In providing.

Loan service system interworking with the customer subscription financial products according to the present invention, the insurance agreement including the financial product information, insurance company information and automatic insurance subscription processing information for the loan of the financial product subscription customers based on the credit insurance contract If the storage medium for storing the information and the financial product subscribed to the loan application is matched with the loan target financial product included in the insurance policy information stored in the storage medium, the loan amount corresponding to the payment amount of the financial product of the customer And calculating, performing a credit insurance automatic subscription processing of the loan application customer in association with the insurance company, and processing a loan applied by the customer.

Loan service method interworking with the customer subscription financial products according to the present invention, including loan target financial products information, insurance company information and automatic insurance subscription processing information for the loan of the financial product subscription customer based on the credit insurance contract in the server Storing insurance agreement information in a storage medium; and when a customer requests a loan from a server, when the customer is a customer of a financial product subscription, a loan in which the financial product subscribed to by the customer is included in insurance agreement information stored in the storage medium; Checking whether the financial instrument information is matched with the target financial product information, and if the customer subscription financial product is a loan target financial product included in insurance agreement information, identifying a payment amount of the financial product of the customer at a server; Calculating a loan amount corresponding to the identified financial product payment amount; Export credit insurance from the customer application step and the server to perform an automatic subscription process is characterized in that comprises the step of processing the customer to apply for a loan, deposit processing the loan amount calculated above to the customer's account.

In addition, the step of performing automatic credit insurance subscription processing of the loan application customer in association with the insurance company, comprising the step of setting a customer-owned financial product to pledge on the loan in connection with the insurance company in the server It is characterized by.

In addition, the target financial product information included in the insurance agreement information, it characterized in that it comprises at least one or more repurchased indirect investment products, bonds, real estate, trust information.

The present invention includes a computer-readable recording medium characterized by recording a program for executing a loan service method linked to the aforementioned customer subscription financial product.

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a diagram illustrating a face-to-face information registration system for a loan service associated with a customer subscription financial product (or a customer-owned financial asset) according to an embodiment of the present invention.

In more detail, Figure 1 is based on the contents of the credit insurance agreement concluded between a given insurer and the bank, through a predetermined information registration interface, a loan linked to the current customer subscription financial product (or customer-owned financial asset) through the information registration system. Providing credit insurance agreement information including at least one of insurance company information, linked loan financial product (or financial asset) information (or target financial product information), customer loan limit information, automatic insurance subscription information, and loan repayment information In the information registration system, the insurance company information, the linked loan financial product (or financial asset) information, the customer loan limit information, the automatic insurance subscription information, the subrogation repayment time information included in the provided credit insurance agreement information are prescribed and linked. As a system configuration for storing in the storage medium 130 of the present invention, those skilled in the art If one grows up, it is possible to infer various implementation methods for the configuration of an information registration system for a loan service linked to a current customer subscription financial product (or a customer-owned financial asset) by referring to or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one component or function corresponding to a functional configuration for storing credit insurance agreement information provided through a predetermined information registration interface on the storage medium 130 on the information registration system shown in FIG. It is called "information registration server 100".

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for a loan service associated with a customer subscription financial product (or customer holding financial asset) may include at least one financial institution branch (or branch or head office). And an information registration terminal including a window terminal provided at the communication terminal, wherein the information registration terminal is connected to the information registration server 100 provided on the information registration system through a predetermined financial network. do.

According to an exemplary embodiment of the present invention, through a window (or counter staff) provided at the branch (or branch or head office) of the financial institution for a loan service associated with the current customer subscription financial product (or customer holding financial asset). (B) at least one information item for a loan service associated with a customer subscription financial product (or customer held financial asset) (e.g. After filling out a form with a form for filling out the form and submitting the prepared document to a teller, the teller (or a representative) inputs (or selects) the information written in the document through a designated teller terminal. The window terminal transmits the input (or selected) information to the information registration server 100 provided on the information registration system through the financial network. It is preferable.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch (or branch or main office) of the financial institution, and the information registration server 100 connected to the teller terminal is the predetermined finance. Preferably it comprises a ledger server provided on the system, the financial network connecting the teller terminal and the information registration server 100 is a branch network connecting the communication channel between the teller terminal and the information registration server 100. It is preferable to comprise a.

In the information registration system as described above, an application in which at least one information item for a loan service associated with the customer subscribed financial product (or a customer-owned financial asset) is filled in, a teller terminal used by the teller and the teller terminal And a financial network connecting the information registration server 100 performs a function of an information registration interface for registering credit insurance agreement information for a loan service associated with the customer subscription financial product (or customer holding financial asset).

The storage medium 130 provided on the information registration system according to the present invention includes the insurance company information, linked loan financial product (or financial asset) information included in the credit insurance agreement information provided from the information registration terminal, customer loan The limit information, automatic insurance subscription information, and the information for the replacement of the period of repayment process characterized in that the storage in the predetermined storage medium 130, the insurance company information stored in the storage medium 130, linked loan financial products (or financial Credit insurance agreement information, which includes at least one asset information, customer loan limit information, automatic insurance subscription information, and credit repayment information, is used for loan services linked to the customer subscribed financial product (or customer-owned financial asset). .

The insurance company information is the name of the insurance company, the representative director, contact person, telephone number to enter into a credit insurance agreement for the loan service linked to the financial institution (currently) and the current customer subscription financial products (or customer-owned financial assets) according to the present invention It is preferable to include at least one.

The linked loan financial product (or financial asset) information preferably comprises at least one or more customer subscription financial product information or customer holding financial asset information that can provide a linked loan service through the conclusion of the credit insurance agreement.

The customer loan limit information is provided to the customer's subscription financial products in the process of providing a loan service linked to the customer's subscription financial products (or customer-owned financial assets) according to the present invention through a credit insurance agreement between the insurance company and the bank. It is preferable to include a loan limit that can be provided correspondingly.

The automatic insurance subscription information is preferably made to include information that will automatically perform insurance subscription processing for the customer, if the customer subscribes to the loan products provided to the customer through the conclusion of a credit insurance agreement between the insurer and the party. Do.

When the loan repayment information is applied for the loan of the customer who subscribed to the financial products through the conclusion of the credit insurance agreement between the insurer and the bank, the counter for the period of delinquency and bad transaction in response to the conclusion of the credit insurance agreement between the insurance company and the bank. It is preferable to include a repayment time.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be 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 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

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

According to an embodiment of the present invention, when the information registration terminal is a teller terminal (employee terminal) connected to a predetermined financial network, the information registration server 100 is a financial system connected to the teller terminal through a predetermined financial network. It may be a ledger server provided on, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal (employee terminal) connected to a predetermined financial network, the interface unit 105 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 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined credit insurance agreement information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 115 for receiving predetermined credit insurance agreement information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; and the received credit insurance agreement information. Validation unit 120 for checking the validity of the insurance company information, linked loan financial products (or financial assets) included in the credit insurance agreement information confirmed the validity And an information storage unit 125 for linking information, customer loan limit information, automatic insurance subscription information, and counterpayment timing information and storing the information in a predetermined storage medium 130.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) credit insurance agreement information and transmit it to the information registration server 100 through the financial network, or extract it from a predetermined database (not shown), and the interface unit In operation 105, the generated (or extracted) user interface may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the credit insurance agreement information to the information registration terminal and transmitting the information to the information registration server 100 through the financial network is provided. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal is based on the user interface credit insurance including at least one of the insurance company information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, subrogation repayment information Enters (or selects) the agreement information and transmits the input (or selected) credit insurance agreement information to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 includes at least one insurance company information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, replacement payment period information through the user interface in the information registration terminal Input (or select) the credit insurance agreement information to be transmitted through the financial network, characterized in that for receiving the credit insurance agreement information in conjunction with the interface unit 105, the received credit insurance agreement information Provided to the validity check unit 120.

The validity confirming unit 120 checks whether the credit insurance agreement information received from the information registration terminal satisfies the validity for the loan service associated with the customer subscription financial product (or the customer holding financial asset).

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes confirming whether the linked loan financial product information included in the credit agreement information is a financial product capable of linked loan service according to the present invention. desirable.

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes confirming whether the linked loan financial asset information included in the credit agreement information is a financial asset capable of linked loan service according to the present invention. desirable.

When the validity of the credit insurance agreement information is confirmed, the information storage unit 125 includes insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription included in the credit insurance agreement information. And storing information in the storage medium 130 by cooperatively processing information and counter-payment timing information. The storage medium 130 is provided in the information registration server 100 or the information registration server 100. When provided on a linked network, the information storage unit 125 includes insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, and automatic insurance subscription information included in the received credit insurance agreement information. It is preferable to save the storage medium 130 by linkage processing the counter-payment time information, and when the storage medium 130 is provided in a DBMS provided on the financial system, the information storage unit 125 Provide insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, and loan repayment information included in the received credit insurance agreement information through the external system on the financial system. It is preferable to store in a DBMS provided on the financial system.

2 is a diagram illustrating a process of registering credit insurance agreement information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 is a case where the information registration server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the counter terminal connects to the information registration server 100 and connects a communication channel for information registration according to the present invention, and then connects the insurance company information to the information registration server 100 through the communication channel. When the credit insurance agreement information including loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, and counterpayment timing information is transmitted, the received credit insurance agreement is received from the information registration server 100. Insurer information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, credit payment time information included in the information is linked to a predetermined storage medium 130 As for those of ordinary skill in the art to which the present invention pertains, the credit insurance agreement information is registered with the information registration server 100 at the counter terminal by referring to or modifying the present invention. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the window terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience, and the information registration in the window terminal The insurance company information transmitted to the server 100, linked loan financial products (or customer-owned financial assets) information, customer loan limit information, automatic insurance subscription information, credit payment time information is referred to as "credit insurance agreement information" for convenience.

Referring to FIG. 2, a window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the credit insurance agreement information, and connects the customer subscribed financial product (or (200), the server generates (or extracts) a predetermined information registration interface for registering the credit insurance agreement information (200). 205) The generated (or extracted) information registration interface is transmitted to the terminal through the communication channel and outputted (210).

According to an embodiment of the present invention, the information registration interface includes at least one of the insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, and subrogation repayment information at the terminal. It is preferable to include a user interface for inputting (or selecting) credit insurance agreement information.

Thereafter, the terminal inputs the credit insurance agreement information including at least one insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, replacement payment time information through the information registration interface. (Or select) 215.

In the terminal, through the information registration interface, credit insurance agreement information including the insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, and loan repayment information is inputted (or If selected) (220), the terminal is entered (or selected) the insurance company information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, credit repayment period information through the financial network Credit insurance agreement information, including the transmission to the server (225).

Thereafter, the server receives and reads the insurance company information, the linked loan financial product (or financial asset) information, the customer loan limit information, the automatic insurance subscription information, and the loan repayment information through the financial network to the credit insurance agreement information. Check the validity (230).

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes confirming whether the linked loan financial product information included in the credit agreement information is a financial product capable of linked loan service according to the present invention. desirable.

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes confirming whether the linked loan financial asset information included in the credit agreement information is a financial asset capable of linked loan service according to the present invention. desirable.

If the validity of the credit insurance agreement information is not authenticated (235), the server generates predetermined information registration error information and transmits it to the terminal (240) and performs an information registration procedure corresponding to the credit insurance agreement information. Do not perform.

On the other hand, if the validity of the credit insurance agreement information is authenticated (235), the server performs the information registration procedure corresponding to the credit insurance agreement information, the insurance company information, linked loan financial products (or financial assets) information, customers The loan limit information, automatic insurance subscription information, and the loan repayment information are stored in a predetermined storage medium 130 in step 245.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (250), thereby completing the procedure of registering the credit insurance agreement information transmitted from the terminal.

3 is a diagram illustrating a non-face-to-face information registration system for a loan service associated with a customer subscription financial product (or a customer-owned financial asset) according to another embodiment of the present invention.

In more detail, Figure 3 is an information registration system through a predetermined information registration interface, insurance company information, linked loan financial products (or financial assets) information for the loan service associated with the current customer subscription financial products (or customer-owned financial assets) When providing credit insurance agreement information including at least one of customer loan limit information, automatic insurance enrollment information, and counterpayment time information, the insurance company information and linked loan finance included in the provided credit insurance agreement information in the information registration system. As a system configuration for linking the product (or financial asset) information, customer loan limit information, automatic insurance subscription information, the point of payment information to the predetermined storage medium 330, in the technical field to which the present invention belongs If you have the knowledge of the customer, refer to or modify this drawing 3 and the customer-affiliated financial instruments (or customer-owned financial assets) and Would have a variety of exemplary methods for the information registration system configuration for gyedoen loan service can be inferred, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, at least one component or function corresponding to a functional configuration for storing credit insurance agreement information provided through a predetermined information registration interface on the storage medium 330 on the information registration system shown in FIG. It is called "information registration server 300".

Referring to FIG. 3 according to the implementation method of the present invention, the information registration system for a loan service associated with a current customer subscription financial product (or a customer-owned financial asset) is a credit insurance agreement history concluded between a predetermined insurance company and the bank. And an information registration terminal including at least one of a wired terminal or a client terminal including at least one of a wired terminal or a wireless terminal for registering credit insurance agreement information corresponding thereto. The communication channel is connected to the information registration server 300 provided on the information registration system through network means.

According to one embodiment of the present invention, a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network in order to register credit insurance agreement information corresponding to the details of the credit insurance agreement concluded between the predetermined insurance company and the bank. Loan connected to the information registration server 300 through at least one client terminal, and associated with the customer subscription financial products (or financial assets) through at least one user interface provided by the information registration server 300 When the credit insurance agreement information for the service is input (or selected), it is preferable that the client terminal transmits the information to the information registration server 300 provided on the information registration system through a predetermined network means.

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

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 300 connected to the client terminal is either an Internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and network means, or the information registration. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

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

In the information registration system as described above, the client terminal including at least one wired terminal or wireless terminal for registering the credit insurance agreement information corresponding to the details of the credit insurance agreement concluded between the predetermined insurance company and the client, and the client At least one wired or wireless communication network connecting the terminal and the information registration server 300 may include an information registration interface for registering credit insurance agreement information for a loan service associated with the customer subscription financial product (or financial asset). Perform a function

According to another embodiment of the present invention, the information registration terminal, in addition to the client terminal, a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) connect the information registration server 300 A wired telephone network or a wireless telephone network functions as an information registration interface for registering credit insurance agreement information for a loan service associated with a customer subscription financial product (or financial asset), or cooperates with the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an established institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the information registration server 300. The network functions as an information registration interface for registering credit insurance agreement information for loan services associated with customer-subscribed financial instruments (or financial assets).

The storage medium 330 provided on the information registration system according to the present invention includes the insurance company information, linked loan financial product (or financial asset) information, and customer loan included in the credit insurance agreement information provided from the information registration terminal. The limit information, automatic insurance subscription information, and the point of time for reimbursement information are stored in a predetermined storage medium 330, the insurance company information stored in the storage medium 330, linked loan financial products (or financial Credit insurance agreement information, which includes at least one asset information, customer loan limit information, automatic insurance subscription information, and credit repayment information, is used for loan services linked to the customer subscribed financial product (or customer-owned financial asset). .

The insurance company information is the name of the insurance company, the representative director, contact person, telephone number to enter into a credit insurance agreement for the loan service linked to the financial institution (currently) and the current customer subscription financial products (or customer-owned financial assets) according to the present invention It is preferable to include at least one.

The linked loan financial product (or financial asset) information preferably comprises at least one or more customer subscription financial product information or customer holding financial asset information that can provide a linked loan service through the conclusion of the credit insurance agreement.

The customer loan limit information is provided to the customer's subscription financial products in the process of providing a loan service linked to the customer's subscription financial products (or customer-owned financial assets) according to the present invention through a credit insurance agreement between the insurance company and the bank. It is preferable to include a loan limit that can be provided correspondingly.

The automatic insurance subscription information is preferably made to include information that will automatically perform insurance subscription processing for the customer, if the customer subscribes to the loan products provided to the customer through the conclusion of a credit insurance agreement between the insurer and the party. Do.

When the loan repayment information is applied for the loan of the customer who subscribed to the financial products through the conclusion of the credit insurance agreement between the insurer and the bank, the counter for the period of delinquency and bad transaction in response to the conclusion of the credit insurance agreement between the insurance company and the bank. It is preferable to include a repayment time.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 300 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 300 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 300 is on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 305 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 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 embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 305 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined credit insurance agreement information from the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined credit insurance agreement information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 305, and the received credit insurance agreement information. The predetermined insurance company information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, subrogation repayment information is processed by a predetermined process And an information storage unit 325 for storing in the storage medium 330.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) credit insurance agreement information and transmitting it to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and the interface unit. In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal is based on the user interface credit insurance including at least one of the insurance company information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, subrogation repayment information Enter (or select) agreement information, and transmit the entered (or selected) credit insurance agreement information to the information registration server 300 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the credit insurance agreement information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. When the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 includes at least one insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, replacement payment timing information through the user interface in the information registration terminal When the credit insurance agreement information is input (or selected) and transmitted through the network means, the credit insurance agreement information is received in association with the interface unit 305, and the received credit insurance agreement information It is provided to the validation unit 320.

The validity confirming unit 320 checks whether the credit insurance agreement information received from the information registration terminal satisfies the validity for the loan service associated with the customer subscription financial product (or financial asset).

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes checking whether the linked loan financial product information included in the credit agreement information is a financial product capable of linked loan service according to the present invention. It is preferable.

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes confirming whether the linked loan financial asset information included in the credit agreement information is a financial asset capable of linked loan service according to the present invention. desirable.

When the validity of the credit insurance agreement information is confirmed, the information storage unit 325 is insurance company information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription included in the credit insurance agreement information And storing information in the storage medium 330 by cooperatively processing information and counter-payment timing information. The storage medium 330 is provided in the information registration server 300 or the information registration server 300. When provided on a linked network, the information storage unit 325 may include insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, and automatic insurance subscription information included in the received credit insurance agreement information. It is preferable to store in the storage medium 330 by cooperatively processing the reverse payment time information. When the storage medium 330 is provided in the DBMS provided on the financial system, the information storage unit 325 Provide insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, and loan repayment information included in the received credit insurance agreement information through the external system on the financial system. It is preferable to store in a DBMS provided on the financial system.

4 is a diagram illustrating a process of registering credit insurance agreement information in a non-face-to-face manner for a loan service associated with a customer subscription financial product (or financial asset) according to an embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 to connect the communication channel for information registration according to the present invention, the insurance company information, linked loan financial products (or financial assets) to the information registration server 300 through the communication channel When the credit insurance agreement information including information, customer loan limit information, automatic insurance subscription information, and counterpayment timing information is transmitted, the insurance company information included in the received credit insurance agreement information is linked to the information registration server 300. Loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, credit repayment time information is processed in conjunction with the predetermined storage medium 330 As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 4 to register the credit insurance agreement information from the client terminal to the information registration server 300. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The insurance company information transmitted to the server 300, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, replacement fee information is referred to as "credit insurance agreement information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile Lending service connected to the server through a communication network or IEEE 802.16x-based portable Internet, etc., connecting a predetermined communication channel for registering the credit insurance agreement information, and linked with the customer subscription financial product (or financial asset). When requesting to register the credit insurance agreement information for (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the credit insurance agreement information (405), the communication channel The generated (or extracted) web page is transmitted to the terminal through the output (410).

According to an embodiment of the present invention, the information registration interface includes at least one of the insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, and subrogation repayment information at the terminal. It is preferable to include a user interface for inputting (or selecting) credit insurance agreement information.

In addition, the web page transmission or output process is preferably performed at least once according to the credit insurance agreement information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs the credit insurance agreement information including at least one insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, replacement payment time information through the information registration interface. (Or select) 415.

In the terminal, through the information registration interface, credit insurance agreement information including the insurance company information, linked loan financial product (or financial asset) information, customer loan limit information, automatic insurance subscription information, and loan repayment information is inputted (or If selected) (420), the terminal through the communication channel the insurance company information (or selected) information, linked loan financial products (or financial assets) information, customer loan limit information, automatic insurance subscription information, credit payment time information Is transmitted to the server (425).

According to an embodiment of the present invention, the insurance company information, the linked loan financial product (or financial asset) information, the customer loan limit information, the automatic insurance subscription information, the subrogation repayment information are inputted through the communication channel. The transmission to the server may further include transmitting the credit insurance agreement information input (or selected) through the information registration interface to the server by digitally signing or encrypting the information through a security module provided in the terminal.

Thereafter, the server receives and reads the insurance company information, the linked loan financial product (or financial asset) information, the customer loan limit information, the automatic insurance subscription information, and the loan repayment information through the communication channel. Check the validity (430).

According to an embodiment of the present invention, checking the validity of the credit insurance agreement information is that if the credit insurance agreement information is electronically signed or encrypted through a security module provided in the terminal, the credit insurance agreement information is decrypted. Alternatively, or further comprising decrypting the credit insurance agreement information.

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes confirming whether the linked loan financial product information included in the credit agreement information is a financial product capable of linked loan service according to the present invention. desirable.

According to the implementation method of the present invention, the validity check of the credit insurance agreement information includes confirming whether the linked loan financial asset information included in the credit agreement information is a financial asset capable of linked loan service according to the present invention. desirable.

If the validity of the credit insurance agreement information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), corresponding to the credit insurance agreement information Do not perform the information registration procedure.

On the other hand, if the validity of the credit insurance agreement information is authenticated (435), the server performs an information registration procedure corresponding to the credit insurance agreement information, the insurance company information, linked loan financial products (or financial assets) information, customers The loan limit information, the automatic insurance subscription information, and the credit repayment timing information are stored in a predetermined storage medium 330 in step 445.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 330 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the credit insurance agreement information transmitted from the terminal.

Hereinafter, the embodiments described are for the case where the customer subscription financial product (or financial asset) is a current fund product subscribed to by the customer on a loan service associated with the customer subscription financial product (or financial asset) according to the present invention. It is noted that the present invention is only one embodiment for the most effective understanding of the features of the present invention, and the customer subscription financial product (or financial asset) is not limited to the fund product.

For example, the customer-subscribed financial product (or financial asset) preferably includes both indirect investment products and real estate, which are expected to change yields.

5 is a diagram illustrating a face-to-face fund subscription system associated with a loan service according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates that when a predetermined customer prepares a fund application including at least one of predetermined customer information and fund subscription information, and submits it to a window provided at a predetermined fund subscription institution, the fund subscribes to the fund. The present invention relates to a system for subscribing to a fund linked to the loan service based on the fund subscription application information corresponding to an application and opening a predetermined financial account for managing the fund. Those skilled in the art will be able to infer various implementation methods for the fund subscription system configuration linked to the loan service by referring to or modifying the drawing 5, but the present invention includes all the implementation methods inferred above. It is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may deduce a fund subscription system configuration by omitting or implementing the method of storing the fund electronic document in the electronic document repository by referring to or modifying the drawing 5. In addition, in the case where the fund electronic document is stored in the electronic document repository, in addition to the implementation method illustrated in FIG. 5, the electronic document repository may be inferred from the DBMS located in the fund subscription system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method of generating the fund electronic document as shown in FIG. 5, the fund electronic document corresponding to the fund application is described as being generated on the server side on the fund subscription system. The fund electronic document is not limited thereto, and the fund electronic document may be generated at a terminal that acquires image content corresponding to the fund application through a predetermined image obtaining apparatus (for example, the electronic document provided at the server side). Generation function is provided on the terminal side to generate the fund electronic document), by which the present invention is not limited.

Hereinafter, in response to the fund application and fund subscription application information prepared by the customer through a predetermined financial product subscription interface on the fund subscription system shown in FIG. 5, the customer may subscribe to the fund, and the predetermined fund corresponding thereto. A component corresponding to at least one or more means or functional configurations for generating an electronic document and storing it in a predetermined electronic document repository is referred to as " financial server 500 " for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a system for joining a fund associated with the loan service includes a terminal device including a counter terminal provided in at least one branch (or branch) of a financial institution. It characterized in that the terminal device is connected to the communication channel and the financial server 500 provided on the fund subscription system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch (branch branch) to join a fund associated with the loan service, and through a window (or teller staff) provided at the financial institution branch (branch branch). To complete an application (eg, a document with a form for filling in at least one item of information for joining a fund associated with the loan service), wherein It is desirable for the customer to seal the customer's seal for the legal basis for the fund application.

Subsequently, when the customer submits the completed fund application to the teller, the teller scans the fund application through a predetermined image acquisition device to obtain a predetermined image content and through the predetermined teller terminal, the fund application. Input (or select) fund subscription application information including at least one of image content acquired in correspondence with the at least one of the customer information and fund subscription information written in the fund application, and the counter terminal corresponds to the image content and the fund. It is preferable to transmit the subscription application information to the financial server 500 provided on the fund subscription 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 server 500 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial server 500 includes a branch network connecting the communication channel between the teller terminal and the financial server 500. It is preferable to make it.

In the fund subscription system as described above, an image acquisition device for acquiring image content corresponding to the fund application created by the customer, a banking terminal and a window terminal used by the employee, and a banking terminal connecting the window terminal and the financial server 500. The network performs a function of a financial product subscription interface for the customer to register the fund subscription application information for linking with the loan service.

The storage medium 555 provided on the fund subscription system according to the present invention stores the customer information, the fund subscription information, the financial product operation information, and the financial account information included in the fund subscription application information provided from the terminal device. And storing at least one fund subscription storage information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And 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 fund subscription system in response to the customer. It is preferable.

According to the present invention, the fund subscription information preferably includes customer subscription agreement information for fund subscription linked to a loan service through a credit insurance agreement with a predetermined insurance company.

The financial product operation information is a general term for information for managing and operating the fund through which the customer intends to subscribe through the fund subscription application information through a predetermined financial account, and variously modified according to the characteristics and attributes of the fund. It is preferable to carry out.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the fund, various additional attributes of the financial product and financial product basic information including the financial product management institution, or the financial product is In the case of an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating financial products subscribed to by the customer based on the fund subscription application information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

According to an embodiment of the present invention, if the fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is deposited by the beneficiary certificate Preferably, the account attribute includes the beneficiary certificate attribute.

According to another embodiment of the present invention, if the fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited, and the account attribute comprises the deposit / account attribute.

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund subscription system (or associated with the fund subscription system), wherein the storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 555 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the fund subscription system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The financial server 500 provided on the fund subscription system according to the present invention is a generic term for components of the fund subscription system side connected to the terminal device through a predetermined financial network, and includes at least one server (or device). It may be implemented as, or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the financial server 500 is a ledger server provided on a financial system connected to the window terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided 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 financial server 500 may include an interface unit 505 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 505 may establish a predetermined communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 5, when a predetermined terminal device connects a predetermined communication channel with the financial server 500 through the interface unit 505, the financial server 500 connects the loan service to the loan service. The financial server 500 obtains image contents corresponding to the fund application prepared by the customer through a predetermined image acquisition device provided in the terminal device, and inputs (or selects) fund subscription application information corresponding to the fund application. An interface providing unit 510 for generating (or extracting) at least one user interface for transmitting to the terminal device and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 505; The terminal apparatus inputs (or selects) fund subscription application information corresponding to the fund application through the user interface and transmits the same. An information receiver 515 for receiving the fund subscription request information transmitted from the terminal device in association with the interface unit 505, and the customer through the predetermined image acquisition device based on the user interface in the terminal device; When the image content corresponding to the created fund application is obtained and transmitted, the image receiver 520 may be provided to receive the image content corresponding to the fund application in association with the interface unit 505.

The interface provider 510 connects a predetermined communication channel with the financial server 500 through the interface unit 505, and then connects the loan service to the financial server 500. When the user interface is requested, image content corresponding to the fund application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device, and the fund subscription application information corresponding to the fund application is input (or selected). To generate at least one user interface for transmission to the financial server 500 through the financial network, or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 505 The user interface is provided to the terminal device through the financial network.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the fund application written by the customer through a predetermined image acquisition device, and inputs (or selects) fund subscription application information corresponding to the fund application. In the case where a predetermined information registration program having at least one user interface for transmitting to the financial server 500 through the financial network is provided, the fund application written by the customer through the predetermined image acquisition device as described above Acquire (or extract) the image content corresponding to the information, and input (or select) the fund subscription application information corresponding to the fund application to generate (or extract) the user interface to transmit to the financial server 500 and provide the terminal device. The interface providing unit 510 may be omitted, whereby the present invention Shall not.

Thereafter, the terminal apparatus inputs (or selects) the fund subscription request information including at least one of the customer information and the fund subscription information through the user interface, and converts the input (or selected) fund subscription request information into the financial information. The information receiving unit 515 receives the fund subscription request information transmitted from the terminal device in connection with the interface unit 505. .

In addition, the terminal device obtains the image content corresponding to the fund 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 to the financial server 500 In response thereto, the image receiving unit 520 receives image contents corresponding to the fund application in association with the interface unit 505.

According to another embodiment of the present invention, a predetermined storage device provided in the terminal device (or associated) by acquiring image content corresponding to the fund application written by the customer through a predetermined image acquisition device in the terminal device. The terminal apparatus selects image contents corresponding to a fund application created by the customer from at least one or more image contents previously stored in the storage device through the user interface, and stores the image through the financial network. In response thereto, the image receiving unit 520 receives the image contents corresponding to the fund application in association with the interface unit 505.

According to another embodiment of the present invention, when the terminal device transmits the image content corresponding to the fund application written by the customer and the fund subscription application information corresponding to the fund application through the user interface, The bride 515 may receive image content corresponding to the fund application and fund subscription application information in association with the interface unit 505 (for example, the image receiver 520 may be transmitted to the information receiver 515). Integrated operation), whereby the present invention is not limited.

Referring to FIG. 5, when the fund subscription request information transmitted from the terminal device is received through the information receiver 515, the financial server 500 associates the received fund subscription request information with the loan service. Characterized in that it comprises a validating unit 525 to confirm whether the validity for the sake.

According to the method of the present invention, the validity of the fund subscription application information is determined whether at least one ledger information matching the fund subscription application information is registered in the ledger D / B on the financial system associated with the fund subscription system It is preferable to include checking.

For example, the validity of the fund subscription request information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the fund subscription request information on the financial system linked with the fund subscription system. It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the fund subscription request information includes checking whether the financial account information included in the fund subscription request information matches an account ledger stored in the ledger D / B on the financial system linked to the fund subscription system. It is preferable to make.

Referring to FIG. 5, the financial server 500 receives the image content transmitted from the terminal device through the image receiving unit 520, and receives the fund subscription request information through the validity checking unit 525. If the validity is authenticated, the electronic document generator 530 generates a predetermined fund electronic document including the received image content, and transmits the generated fund electronic document to an electronic document repository associated with the fund subscription system. It is characterized by comprising an electronic document transmission unit 535.

The electronic document generating unit 530 may generate a fund electronic document including the image content received from the terminal device through the image receiving unit 520.

According to an embodiment of the present invention, the electronic document generation unit 530 is a fund electronics that is linked to the loan service as it is an image file including the image content received from the terminal device through the image receiving unit 520 It is preferable to process the document.

Alternatively, the electronic document generator 530 may include customer information and funds included in the fund subscription request information received through the information receiver 515 in the image content received from the terminal device through the image receiver 520. It is preferable to generate a fund electronic document associated with the loan service, an image file corresponding to image content including at least one or more pieces of subscription information in a watermarking manner.

According to another exemplary embodiment of the present invention, the electronic document generating unit 530 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 520. A fund electronic associated with the loan service by generating a Format file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including MHT. It is desirable to create a document.

Alternatively, the electronic document generator 530 may include customer information and funds included in the fund subscription request information received through the information receiver 515 in the image content received from the terminal device through the image receiver 520. Generate image content including at least one or more pieces of subscription information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate a fund electronic document associated with the loan service.

According to another exemplary embodiment of the present invention, the electronic document generation unit 530 receives the image content received from the terminal device through the image receiving unit 520 and the fund received through the information receiving unit 515. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. Document file, etc.), it is desirable to generate a fund electronic document associated with the loan service.

Alternatively, the electronic document generator 530 may include customer information and funds included in the fund subscription request information received through the information receiver 515 in the image content received from the terminal device through the image receiver 520. Generate an image content including at least one or more of the subscription information by watermarking, and a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content and the fund subscription 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 an MHT), to generate a fund electronic document associated with the loan service. It is desirable to produce.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 530 corresponds to the technical characteristics of generating a fund electronic document of the image file format or a predetermined document file format, and corresponds to the fund electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

The electronic document transmitter 535 transmits and stores the fund electronic document generated by the electronic document generator 530 to a predetermined electronic document repository associated with the fund subscription system.

As shown in FIG. 5, the electronic document repository includes an electronic document D / B and a predetermined electronic document server 560 linked with the financial server 500 on the fund subscription system through predetermined communication means. When provided in, the electronic document transmission unit 535 is characterized in that for transmitting the fund electronic document generated by the electronic document generation unit 530 to the electronic document server 560 through the communication means. .

In this case, when the electronic document server 560 and the electronic document D / B are provided outside the fund subscription system, the electronic document server 560 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the fund subscription system, the electronic document transmission unit 535 is the fund generated by the electronic document generation unit 530. It is possible to store the electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the fund subscription system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 535 is electronic document related information for generating predetermined electronic document management information in the electronic document server 560 (for example, fund application corresponding to the image content) It is possible to transmit to the electronic document repository further comprises the customer information, or the financial institution information, or electronic document file format information, or the fund subscription application information for transmitting the fund electronic document, thereby The invention is not limited.

Referring to FIG. 5, the financial server 500 authenticates the validity of the fund subscription request information received through the information receiving unit 515 through the validity checking unit 525 and the fund subscription associated with the loan service. When the information is generated, the information generation unit 540 for generating predetermined financial product operation information corresponding to the fund based on the customer information, the fund subscription information included in the valid subscription application information, and the fund subscription application And a financial account processing unit 545 for opening and processing a financial account under the customer's name including the financial product operation information based on the customer information and fund subscription information included in the information.

When the validity of the fund subscription request information is confirmed by the validity checker 525, the information generator 540 corresponds to the fund based on the customer information and fund subscription information included in the fund subscription request information. Characterized in that the predetermined financial product management information is generated.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the information generator 540 corresponds to the fund based on the customer information and fund subscription information included in the fund subscription application information. It is preferable to generate beneficiary certificate information (e.g., a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another embodiment of the present invention, if the fund is at least one deposit / saving product, the information generator 540 corresponds to the fund based on the customer information and fund subscription information included in the fund subscription application information. Deposit information (or savings information) (e.g., account number corresponding to a given deposit / storage, deposit (or savings) attribute, etc., including interest (or interest rate) corresponding to the deposit / storage) and subscription period, etc.) It is desirable to produce.

The financial account processing unit 545 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information linked to the loan service It is characterized by opening a predetermined financial account for fund management and management.

When the financial server 500 and the financial system exist in the same system according to an embodiment of the present invention, the financial account processing unit 545 is linked to the financial system in the ledger D / B, the financial product operation information. It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the financial server 500 and the financial system exist on another system connected through a predetermined communication means, the financial account processor 545 may transmit the financial account 500 through the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial product operation information through an external system on the financial system.

Referring to FIG. 5, the financial server 500 authenticates the validity of the fund subscription request information received through the information receiving unit 515 through the validity checking unit 525 and the fund subscription associated with the loan service. When the validity is verified, the customer information and fund subscription information included in the fund subscription application information and the financial product operation information generated by the information generation unit 540 and generated by the financial account processing unit 545 And an information storage unit 550 configured to store the fund subscription storage information including at least one financial account information in a predetermined storage medium 555.

When the validity of the fund subscription application information is confirmed by the validity confirmation unit 525, the information storage unit 550 includes at least one of the customer information and fund subscription information included in the fund subscription application information. Fund subscription storage information is stored in the storage medium 555.

In addition, when the financial product operation information generated by the information generation unit 540 is generated, the information storage unit 550 further includes the generated financial product operation information in the fund subscription storage information. It is desirable to store in the medium 555.

The information storage unit 550 may further include the opened financial account information in the fund subscription storage information when the financial account including the financial product operation information is opened in the ledger D / B on the financial system. The storage medium 555 is preferably stored.

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the financial server 500 or on a network associated with the financial server 500, the information storage unit 550 may be configured to include the storage medium 555. Preferably, the storage medium 555 stores fund subscription information including at least one of the customer information, the fund subscription information, the financial product operation information, and the financial account information included in the received fund subscription application information.

According to another exemplary embodiment of the present invention, when the storage medium 555 is provided in a DBMS provided on a financial system, the information storage unit 550 may include the customer information included in the received fund subscription application information. It is preferable to provide fund subscription information and fund subscription storage information including at least one or more financial product operation information and financial account information to an information system through an external system on the financial system and to store the information in a DBMS provided on the financial system.

Referring to FIG. 5, an electronic document server 560 that receives a predetermined fund electronic document from the financial server 500 provided on the fund subscription system and stores and manages the predetermined electronic document D / B in a predetermined electronic document D / B may include a predetermined number. An electronic document receiving unit 565 for receiving a predetermined fund electronic document from the financial server 500 through a communication means, and a predetermined electronic for storing and managing the received fund electronic document in the electronic document D / B. And an information generation unit 570 for generating document management information, and an electronic document storage unit 575 for storing the electronic document management information and the fund electronic document in a predetermined electronic document D / B. It features.

The electronic document receiving unit 565 may receive a fund electronic document in the form of an image file or a document file from the financial server 500 through the communication means.

According to an exemplary embodiment of the present invention, the fund electronic document received by the electronic document receiving unit 565 through the communication means is an image file including the image content received by the financial server 500 from the terminal device. It is preferable to comprise.

Alternatively, the fund electronic document received by the electronic document receiving unit 565 through the communication means may include customer information and funds included in the fund subscription application information in the image content received by the financial server 500 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the subscription information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the fund electronic document received by the electronic document receiving unit 565 through the communication means includes a predetermined document including image content received by the financial server 500 from the terminal device. A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

Alternatively, the fund electronic document received by the electronic document receiving unit 565 through the communication means may include customer information and fund subscription included in the fund subscription request information on the image content received by the financial server 500 from the terminal device. Predetermined document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) containing image contents including at least one of the information in a watermarking manner. And a word processor file including at least one or a web document file including MHT).

According to another embodiment of the present invention, the fund electronic document received by the electronic document receiving unit 565 through the communication means is the image content received by the financial server 500 from the terminal device and the fund subscription 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. File).

Alternatively, the fund electronic document received by the electronic document receiving unit 565 through the communication means may include customer information and fund subscription included in the fund subscription request information on the image content received by the financial server 500 from the terminal device. Image content including at least one or more of the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including the fund subscription application information. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 570 is a predetermined electronic document unique number (or unique information) to be assigned to the fund electronic document received through the electronic document receiving unit 565, and the electronic funds through the electronic document receiving unit 565 And generating electronic document management information including electronic document storage date and time information including a date and time at which the document was received (or a date and time at which the fund electronic document was stored).

According to an embodiment of the present invention, the information generating unit 570 transmits the fund electronic document with reference to the financial server 500 that transmitted the fund electronic document received through the electronic document receiving unit 565. It is desirable to identify a financial institution and 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 565 further receives a predetermined electronic document related information from the financial server 500, the information generating unit 570 is the received electronics Document related information further includes, for example, customer information for creating a fund application corresponding to the image content, financial institution information for transmitting the fund electronic document, or electronic document file format information, or the fund subscription application information. It is desirable to generate electronic document management information.

The electronic document storage unit 575 processes a fund electronic document received through the electronic document receiving unit 565 and electronic document management information generated through the information generating unit 570 to process a predetermined electronic document D / B. Characterized in that stored in.

According to the exemplary embodiment of the present invention, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 575 includes an image including image content received by the financial server 500 from the terminal device. It is preferable to include the file as it is.

Alternatively, a fund electronic document stored in the electronic document D / B by the electronic document storage unit 575 is a customer included in the fund subscription application information in the image content received by the financial server 500 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the information, fund subscription information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 575 includes the image content received by the financial server 500 from the terminal device. 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) It is preferable to comprise.

Alternatively, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 575 may include customer information included in the fund subscription application information in the image content received by the financial server 500 from the terminal device. , A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing image content including at least one or more pieces of information of fund subscription information in a watermarking manner. A word processor file including at least one of / DOC or the like, or a web document file including MHT).

According to another embodiment of the present invention, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 575 is the image content received from the financial server 500 from the terminal device and the A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including fund subscription application information, or an MHT Web document files, etc.).

Alternatively, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 575 may include customer information included in the fund subscription application information in the image content received by the financial server 500 from the terminal device. Image content including at least one or more information of fund subscription information in a watermarking manner, and a predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data) file including the fund subscription application information). Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 575 in association with the fund electronic document is stored in a predetermined electronic document assigned to the fund electronic document. It is preferable to include a document unique number (or unique information) and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 575 in association with the fund electronic document is stored in the financial document that transmitted the fund electronic document. It is preferable to further include information on the financial institution that transmitted the fund electronic document identified with reference to the server 500.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial server 500, the electronic document storage unit 575 processes the electronic document D in association with the fund electronic document. The electronic document management information to be stored in / B is the received electronic document related information (for example, customer information for creating a fund application corresponding to the image content, financial institution information for transmitting the fund electronic document, or an electronic document file). Format information, or the fund subscription application information).

6 is a diagram illustrating an implementation method in which a storage medium 555 for storing fund subscription storage information corresponding to a fund subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, FIG. 6 shows the storage medium 555 shown in FIG. 5 in the ledger D / B when the storage medium 555 is provided in the DBMS on the financial system or in the ledger D / B. The information structure for one embodiment of the method for storing the fund subscription storage information is stored in the ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing of the ledger D. Various information construction methods for storing the fund subscription storage information in / B 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 Figure 6 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger and the fund shown in Figure 5 The account ledger corresponding to the financial products subscribed through the subscription system and at least one information associated with the account ledger are shown to be included. If a person having ordinary knowledge in the technical field to which the present invention belongs, the financial system In the ledger D / B provided in the DBMS on the maintenance and management of at least one ledger (for example, ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included to further understand and understand the specific technical matters. Therefore, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, 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 reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, 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. 6, in which the storage medium 555 is the ledger D / B, or includes an implementation method provided in the ledger D / B, the fund shown in FIG. In the form of additional information added to the account ledger, fund subscription storage information including at least one of the customer information, the fund subscription information, the financial product operation information, and the financial account information included in the fund subscription application information provided through the subscription system. Characterized in that it is stored.

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). And 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 fund subscription system in response to the customer. It is preferable.

According to the present invention, the fund subscription information preferably includes customer subscription agreement information for fund subscription linked to a loan service through a credit insurance agreement with a predetermined insurance company.

The financial product operation information is a general term for information for managing and operating the fund through which the customer intends to subscribe through the fund subscription application information through a predetermined financial account, and variously modified according to the characteristics and attributes of the fund. It is preferable to carry out.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial product operation information may include profit certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund corresponding to the fund). It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the fund, various additional attributes of the financial product and financial product basic information including the financial product management institution, or the financial product is In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating financial products subscribed to by the customer based on the fund subscription application information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

According to an embodiment of the present invention, if the fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is deposited by the beneficiary certificate Preferably, the account attribute includes the beneficiary certificate attribute.

According to another embodiment of the present invention, if the fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

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

7 illustrates a database in which a storage medium 555 storing fund subscription storage information corresponding to funds joined in a face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

In more detail, FIG. 7 illustrates an information structure for an embodiment in which the storage medium 555 shown in FIG. 5 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information construction methods for storing the fund subscription storage information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 7 Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 7, when it is not easy to store the fund subscription storage information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the fund subscription storage information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 7 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 7, and the database on the Internet banking system or telebanking according to the intention of the skilled person It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 7, the storage medium 555 includes a database associated with the ledger D / B provided in the DBMS on the financial system. And store the fund subscription information including at least one of the customer information and the fund subscription information and the financial product operation information and the financial account information, wherein the fund subscription storage information is linked to the ledger D / B. Preferably, the fund further includes a CIF number corresponding to the ledger information in the fund subscription storage information.

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

According to the present invention, the fund subscription information preferably includes customer subscription agreement information for fund subscription linked to a loan service through a credit insurance agreement with a predetermined insurance company.

The financial product operation information is a general term for information for managing and operating the fund through which the customer intends to subscribe through the fund subscription application information through a predetermined financial account, and variously modified according to the characteristics and attributes of the fund. It is preferable to carry out.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc., including the deposit (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the fund, various additional attributes of the financial product and financial product basic information including the financial product management institution, or the financial product is In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating financial products subscribed to by the customer based on the fund subscription application information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

According to an embodiment of the present invention, if the fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is deposited by the beneficiary certificate Preferably, the account attribute includes the beneficiary certificate attribute.

According to another embodiment of the present invention, if the fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

8 is a diagram illustrating an implementation method including a DBMS provided with a banking server in a storage medium 555 for storing fund subscription storage information corresponding to funds joined in a face-to-face manner according to another embodiment of the present invention. to be.

More specifically, FIG. 8 illustrates a DBMS in which a storage medium 555 shown in FIG. 5 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As one embodiment provided in the present invention, those of ordinary skill in the art to which the present invention belongs, the fund is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 8 It is possible to infer a method of constructing information on stored information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 8, wherein the storage medium 555 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the fund subscription request information. And storing the subscription information including at least one of the customer information, the fund subscription information, and the financial product operation information and the financial account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And 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 fund subscription system in response to the customer. It is preferable.

According to the present invention, the fund subscription information preferably includes customer subscription agreement information for fund subscription linked to a loan service through a credit insurance agreement with a predetermined insurance company.

The financial product operation information is a general term for information for managing and operating the fund through which the customer intends to subscribe through the fund subscription application information through a predetermined financial account, and variously modified according to the characteristics and attributes of the fund. It is preferable to carry out.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the deposit, the deposit (or deposit) attribute, etc. including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the fund, various additional attributes of the financial product and financial product basic information including the financial product management institution, or the financial product is In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating financial products subscribed to by the customer based on the fund subscription application information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

According to an embodiment of the present invention, if the fund is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is deposited by the beneficiary certificate Preferably, the account attribute includes the beneficiary certificate attribute.

According to another embodiment of the present invention, if the fund is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the deposit. Preferably, the deposit amount is deposited and the account attribute comprises the deposit / account attribute.

9A and 9B are diagrams illustrating a fund subscription process for linking with a loan service in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 9A and 9B are window terminals in which a terminal device on the fund subscription system shown in FIG. 5 is provided at a branch of a financial institution (or a branch), and the financial server 500 is connected to a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal, a fund that includes at least one customer information, fund subscription information in order for a given customer to join the fund for linking with the loan service When the application is completed and submitted, it is about the system configuration that the financial institution subscribes to the fund in a face-to-face manner based on the fund application. Specifically, when the customer completes the fund application and submits it to the counter, the window The terminal acquires a predetermined image content corresponding to the fund application through a predetermined image acquisition device. After transmitting to the financial server 500, input (or select) the fund subscription application information corresponding to the fund application to the financial server 500, the financial server 500, the customer information, fund subscription An implementation method of processing a subscription to the fund is based on the fund subscription request information including at least one information.

Those skilled in the art to which the present invention pertains, various methods of registering the application information to the financial server 500 at the teller terminal by referring to or modifying the drawings 9a and 9b. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 9A and 9B.

For example, although the implementation method shown in FIGS. 9A and 9B includes a process of generating a predetermined electronic document corresponding to the fund application and storing it in an electronic document repository, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 9A and 9B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the fund application through a predetermined image acquisition device. Although illustrated as being provided from the financial server 500 a user interface for inputting (or selecting) fund subscription application information corresponding to the fund application, the predetermined information registration program is provided in the window terminal. The user interface may not be provided from the financial server 500, and thus the present invention is not limited thereto.

In the following Figures 9a and 9b, the window terminal shown in Figure 5 is referred to as "terminal" for convenience, and the financial server 500 shown in Figure 5 is referred to as "server" for convenience.

Referring to FIGS. 9A and 9B, when a predetermined customer prepares and submits a fund application including at least one of customer information and fund subscription information for linking with a loan service, the window terminal shown in FIG. When a user interface for linking with a loan service corresponding to the fund application is requested (900), the server is connected to the server through a financial network and a predetermined communication channel is connected. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the fund application written by the customer through the image acquisition device to the server (905) and generating (or extracting) through the financial network. In operation 910, the user interface is transmitted to the terminal.

Thereafter, the terminal acquires image content corresponding to the fund application through a predetermined image acquisition device based on the user interface in operation 915.

If image content corresponding to the fund application is obtained through the image acquisition device (920), the terminal transmits the obtained image content to the server through the financial network (925).

Thereafter, the server inputs (or selects) fund subscription application information including at least one of customer information and fund subscription information corresponding to the fund application matching the image content, and generates a user interface for transmitting to the server ( Or (930), and transmits and outputs the generated (or extracted) user interface to the terminal through the financial network (935).

Thereafter, the terminal inputs (or selects) fund subscription application information including at least one of the customer information and fund subscription information through the user interface (940).

If fund subscription application information including at least one of the customer information and the fund subscription information is input (or selected) through the user interface (945), the terminal inputs (or selects) the server to the server through the financial network. In step 950, the fund subscription application information is transmitted.

Thereafter, the server receives and reads the fund subscription request information including at least one of the customer information and the fund subscription information through the financial network to confirm the validity of the fund subscription application information (955).

According to the method of the present invention, the validity of the fund subscription application information is determined whether at least one ledger information matching the fund subscription application information is registered in the ledger D / B on the financial system associated with the fund subscription system It is preferable to include checking.

For example, the validity of the fund subscription request information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the fund subscription request information on the financial system linked with the fund subscription system. It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the fund subscription request information includes checking whether the financial account information included in the fund subscription request information matches an account ledger stored in the ledger D / B on the financial system linked to the fund subscription system. It is preferable to make.

If the validity of the fund subscription application information is not authenticated (960), the server generates predetermined financial product error information and transmits it to the terminal (965), and the fund subscription procedure corresponding to the fund subscription application information is performed. Do not perform.

On the other hand, if the validity of the fund subscription request information is authenticated (960), the server generates a predetermined fund electronic document including the image content (970).

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a fund electronic document linked to the loan service.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a fund electronic document associated with the loan service to the image file.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. It is preferable to generate a fund electronic document associated with the loan service by generating a word processor file including at least one of HWP / DOC or the like, or a web document file including an MHT.

Alternatively, the server generates image content including at least one or more information of customer information and fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. And 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, etc.) including the generated image content, or By generating a web document file including the MHT), it is preferable to generate a fund electronic document associated with the loan service.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received fund subscription request information. Generating 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 generate a fund electronic document associated with the loan service. desirable.

Alternatively, the server generates image content including at least one or more information of customer information and fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. And 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 fund subscription request information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a fund electronic document associated with the loan service.

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

Thereafter, the server stores the generated fund electronic document in a predetermined electronic document storage (975).

As shown in FIG. 5, when the electronic document repository is provided externally including a predetermined electronic document server 560 and an electronic document D / B associated with a server on the fund subscription system through predetermined communication means. The server preferably transmits the generated fund electronic document to the electronic document server 560 through the communication means and stores the fund electronic document in the electronic document D / B.

Or, if the electronic document storage is provided on a DBMS provided in the fund subscription system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the fund subscription system to the generated fund electronic document It is possible to store in / B, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the fund electronic document in the electronic document storage is performed by linking the generated fund electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable that it comprises storing in.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund electronic document.

In addition, the electronic document management information may be predetermined electronic document-related information (for example, customer information for preparing a fund application corresponding to the image content, financial institution information for transmitting the fund electronic document, or electronic document file format information, or The fund subscription request information, etc.) is preferably further included.

If the fund electronic document is stored in the electronic document repository (980), the server generates predetermined financial product management information corresponding to the fund based on the customer information and fund subscription information included in the fund subscription application information. (985)

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the fund based on customer information and fund subscription information included in the fund subscription information. , A beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server may store deposit information corresponding to the fund based on customer information and fund subscription information included in the fund subscription application information. Or deposit information (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute, etc., including an interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.). .

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and fund subscription information included in the fund subscription information in connection with the financial system (990). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or matches a customer ledger provided with the customer information. And generating predetermined ledger information including the financial product operation information, and storing the ledger information in a predetermined ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized in that the opening and processing of a predetermined financial account for operating and managing the funds associated with the loan service.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

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

Subsequently, the server includes the customer information and the fund subscription information included in the fund subscription request information, the financial product operation information generated by the information generator 540, and the finance generated by the financial account processor 545. Fund subscription storage information including at least one account information is stored in a predetermined storage medium (555) (995).

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. Preferably, the storage medium 555 stores fund subscription information and fund subscription information including at least one of financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 555 is provided in a DBMS provided on a financial system, the server includes the customer information and fund subscription information included in the received fund subscription application information. Fund subscription storage information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in the DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the fund, or details of storing the fund electronic document in the electronic document repository, or the storage medium 555). The details of storing the fund subscription application information) are generated (or extracted) and transmitted to the terminal (999).

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund subscription system (or associated with the fund subscription system), wherein the storage The medium 555 may be a ledger D / B provided in the DBMS on the financial system or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 555 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the fund subscription system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

10A and 10B are diagrams illustrating a fund subscription process for linking with a loan service in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 10A and 10B are window terminals in which a terminal device on the fund subscription system shown in FIG. 5 is provided at a financial institution branch (or a branch), and the financial server 500 is connected to a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal, a fund application that includes at least one customer information, fund subscription information in order for a given customer to join the fund associated with the loan service The present invention relates to a system in which the financial institution subscribes to the fund in a face-to-face manner based on the fund application form. Specifically, when the customer completes the fund application form and submits it to the window, the window The terminal inputs (or selects) fund subscription application information corresponding to the fund application and transmits it to the financial server 500. Thereafter, when the predetermined image content corresponding to the fund application is obtained through a predetermined image acquisition device and transmitted to the financial server 500, the financial server 500 may provide at least one of the customer information and the fund subscription information. It shows an implementation method for processing the subscription to the fund based on the fund subscription application information that includes.

Those skilled in the art to which the present invention pertains, various analogous method of registering the fund subscription application information to the financial server 500 at the window terminal by referring to or modifying the drawings 10a and 10b. As will be appreciated, the present invention includes all implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 10A and 10B.

For example, although the implementation method shown in FIGS. 10A and 10B includes a process of generating a predetermined electronic document corresponding to the fund application and storing it in an electronic document repository, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 10A and 10B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the fund application through a predetermined image acquisition device. Although illustrated as being provided from the financial server 500 a user interface for inputting (or selecting) fund subscription application information corresponding to the fund application, the predetermined information registration program is provided in the window terminal. The user interface may not be provided from the financial server 500, and thus the present invention is not limited thereto.

In the following Figures 10a and 10b, the window terminal shown in Figure 5 is referred to as a "terminal" for convenience, and the financial server 500 shown in Figure 5 is referred to as a "server" for convenience, and the said window terminal The customer information and fund subscription information transmitted to the financial server 500 is referred to as "fund application information" for convenience.

Referring to FIGS. 10A and 10B, when a predetermined customer fills out and submits a fund application including at least one of customer information and fund subscription information in order to join a fund associated with a loan service, the counter terminal shown in FIG. When the user accesses the server through a predetermined financial network and connects a predetermined communication channel, the user interface for requesting a fund associated with the loan service corresponding to the fund application is requested (1000). Generates (or extracts) a user interface for inputting (or selecting) fund subscription application information including at least one of customer information and fund subscription information corresponding to the fund application prepared by the customer and transmitting the same to the server (1005) (1005) ), And transmits the generated (or extracted) user interface to the terminal through the financial network (output) 1010).

Thereafter, the terminal inputs (or selects) fund subscription request information including at least one of the customer information and the fund subscription information through the user interface (1015).

If fund subscription application information including at least one of the customer information and the fund subscription information is input (or selected) through the user interface (1020), the terminal inputs (or selects) the server to the server through the financial network. ) Transmits the fund subscription application information (1025).

Thereafter, the server receives and reads the fund subscription request information including at least one of the customer information and the fund subscription information through the financial network to confirm the validity of the fund subscription request information (1030).

According to the method of the present invention, the validity of the fund subscription application information is determined whether at least one ledger information matching the fund subscription application information is registered in the ledger D / B on the financial system associated with the fund subscription system It is preferable to include checking.

For example, the validity of the fund subscription request information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the fund subscription request information on the financial system linked with the fund subscription system. It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the fund subscription request information includes checking whether the financial account information included in the fund subscription request information matches an account ledger stored in the ledger D / B on the financial system linked to the fund subscription system. It is preferable to make.

If the validity of the fund subscription request information is not authenticated (1035), the server generates predetermined financial product error information and transmits it to the terminal (1040), and the fund subscription procedure corresponding to the fund subscription request information is performed. Do not perform.

On the other hand, if the validity of the fund subscription request information is authenticated (1035), the server acquires the predetermined image content corresponding to the fund application written by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) the user interface is generated (1045), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1050).

Thereafter, the terminal acquires image content corresponding to the fund application through a predetermined image acquisition device based on the user interface in operation 1055.

If image content corresponding to the fund application is obtained through the image acquisition device (1060), the terminal transmits the acquired image content to the server through the financial network (1065).

The server receiving the fund subscription request information and the image content from the terminal generates a predetermined fund electronic document including the image content (1070).

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a fund electronic document linked to the loan service.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a fund electronic document associated with the loan service to an image file.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. It is preferable to generate a fund electronic document associated with the loan service by generating a word processor file including at least one of HWP / DOC or the like, or a web document file including an MHT.

Alternatively, the server generates image content including at least one or more information of customer information and fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. And 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, etc.) including the generated image content, or By generating a web document file including the MHT), it is preferable to generate a fund electronic document associated with the loan service.

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 and the received fund subscription request information. 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 generate a fund electronic document associated with the loan service. It is preferable.

Alternatively, the server generates image content including at least one or more information of customer information and fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. And 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 fund subscription request information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a fund electronic document associated with the loan service.

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

Thereafter, the server stores the generated fund electronic document in a predetermined electronic document storage (1075).

As shown in FIG. 5, when the electronic document repository is provided externally including a predetermined electronic document server 560 and an electronic document D / B associated with a server on the fund subscription system through predetermined communication means. The server preferably transmits the generated fund electronic document to the electronic document server 560 through the communication means and stores the fund electronic document in the electronic document D / B.

Or, if the electronic document storage is provided on a DBMS provided in the fund subscription system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the fund subscription system to the generated fund electronic document It is possible to store in / B, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the fund electronic document in the electronic document storage is performed by linking the generated fund electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable that it comprises storing in.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund electronic document.

In addition, the electronic document management information may be predetermined electronic document-related information (for example, customer information for preparing a fund application corresponding to the image content, financial institution information for transmitting the fund electronic document, or electronic document file format information, or The fund subscription request information, etc.) is preferably further included.

If the fund electronic document is stored in the electronic document repository (1080), the server generates predetermined financial product operation information corresponding to the fund based on the customer information included in the fund subscription application information and the fund subscription information. (1085).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the fund based on customer information and fund subscription information included in the fund subscription information. , A beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server may store deposit information corresponding to the fund based on customer information and fund subscription information included in the fund subscription application information. Or deposit information (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute, etc., including an interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.). .

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and fund subscription information included in the fund subscription information in connection with the financial system (1090). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized in that the opening and processing of a predetermined financial account for operating and managing the funds associated with the service.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

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

Thereafter, the server stores the subscription information stored in the fund subscription information including at least one or more of the customer information, the fund subscription information, the generated financial product operation information, and the generated financial account information. Store in medium 555 (1095)

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. Preferably, the storage medium 555 stores fund subscription information and fund subscription information including at least one of financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 555 is provided in a DBMS provided on a financial system, the server includes the customer information and fund subscription information included in the received fund subscription application information. Fund subscription storage information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in the DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the fund, or details of storing the fund electronic document in the electronic document repository, or the storage medium 555). The details of storing the fund subscription request information) are generated (or extracted) and transmitted to the terminal (1099).

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund subscription system (or associated with the fund subscription system), wherein the storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 555 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the fund subscription system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

11A and 11B are diagrams illustrating a fund subscription process associated with a loan service in a face-to-face manner according to another exemplary embodiment of the present invention.

11a and 11b show the terminal device of the fund subscription system shown in FIG. 5 at a financial institution branch (or branch), and the financial server 500 is connected to a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal, a fund application that includes at least one customer information, fund subscription information in order for a given customer to join the fund associated with the loan service The present invention relates to a system in which a financial institution subscribes to a fund in a face-to-face manner based on the fund application form. Specifically, when the customer creates the fund application form and submits it to the counter, the counter terminal Acquires predetermined image contents corresponding to the fund application through a predetermined image obtaining apparatus, and After entering (or selecting) the fund subscription application information corresponding to the fund application, and transmitting the image content and the fund subscription application information to the financial server 500, the financial server 500, the customer information, fund An implementation method of processing a subscription to the fund based on the fund subscription application information including at least one subscription information is illustrated.

Those skilled in the art to which the present invention pertains, various analogous method of registering the fund subscription application information to the financial server 500 at the window terminal by referring to or modifying the figures 11a and 11b. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

For example, although the method shown in FIGS. 11A and 11B includes a process of generating a predetermined electronic document corresponding to the fund application and storing it in an electronic document repository, the process may be omitted according to the intention of those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 11A and 11B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the fund application through a predetermined image acquisition device. Although illustrated as being provided from the financial server 500 a user interface for inputting (or selecting) fund subscription application information corresponding to the fund application, the predetermined information registration program is provided in the window terminal. The user interface may not be provided from the financial server 500, and thus the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 5 in FIGS. 11A and 11B will be referred to as a "terminal" for convenience, and the financial server 500 shown in FIG. 5 will be referred to as a "server" for convenience. The customer information and fund subscription information transmitted to the financial server 500 is referred to as "fund application information" for convenience.

Referring to FIGS. 11A and 11B, when a predetermined customer fills out and submits a fund application including at least one of customer information and fund subscription information in order to join a fund associated with a loan service, the counter terminal shown in FIG. When the server is connected to the server through a predetermined financial network and a predetermined communication channel is connected, the user interface request for linkage with the loan service corresponding to the fund application is requested (1100). A user interface for inputting (or selecting) fund subscription application information corresponding to the fund application prepared by the customer and acquiring predetermined image contents corresponding to the fund application through a predetermined image acquisition device and transmitting the same to the server; Generating (or extracting) 1105 and generating (or extracting) the user interface through the financial network. Send the device to the terminal, and outputs (1110).

Thereafter, the terminal inputs (or selects) fund subscription request information including at least one of the customer information and the fund subscription information through the user interface (1115).

If the fund subscription request information including at least one of the customer information and the fund subscription information is input (or selected) through the user interface (1120), the terminal uses a predetermined image acquisition apparatus based on the user interface. Acquire image content corresponding to the fund application (1125).

If image content corresponding to the fund application is obtained through the image acquisition device (1130), the terminal transmits the fund subscription application information and the image content to the server through the financial network (1135).

Thereafter, the server receives and reads the fund subscription request information including at least one of the customer information and the fund subscription information through the financial network to confirm the validity of the fund subscription request information (1140).

According to the method of the present invention, the validity of the fund subscription application information is determined whether at least one ledger information matching the fund subscription application information is registered in the ledger D / B on the financial system associated with the fund subscription system It is preferable to include checking.

For example, the validity of the fund subscription application information may be determined by checking the customer information (customer personal information, member information, etc.) among the information included in the fund subscription application information on the financial system linked to the fund subscription system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validation of the fund subscription request information includes checking whether the financial account information included in the fund subscription request information matches an account ledger stored in the ledger D / B on the financial system linked to the fund subscription system. It is preferable to make.

If the validity of the fund subscription request information is not authenticated (1145), the server generates predetermined financial product error information and transmits it to the terminal (1150), and the fund registration procedure corresponding to the fund subscription request information is performed. Do not perform.

On the other hand, if the validity of the fund subscription request information is authenticated (1145), the server generates a predetermined fund electronic document including the image content (1155).

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a fund electronic document linked to the loan service.

Alternatively, the server may correspond to the image content including at least one or more of the customer information and the fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. It is preferable to generate a fund electronic document associated with the loan service to the image file.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. It is preferable to generate a fund electronic document associated with the loan service by generating a word processor file including at least one of HWP / DOC or the like, or a web document file including an MHT.

Alternatively, the server generates image content including at least one or more information of customer information and fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. And 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, etc.) including the generated image content, or By generating a web document file including the MHT), it is preferable to generate a fund electronic document associated with the loan service.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received fund subscription request information. Generating 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 generate a fund electronic document associated with the loan service. desirable.

Alternatively, the server generates image content including at least one or more information of customer information and fund subscription information included in the received fund subscription request information in the image content received from the terminal device in a watermarking manner. And 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 fund subscription request information. By generating a word processor file, or a web document file including the MHT), it is preferable to generate a fund electronic document associated with the loan service.

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

Thereafter, the server stores the created fund electronic document in a predetermined electronic document storage (1160).

As shown in FIG. 5, when the electronic document repository is provided externally including a predetermined electronic document server 560 and an electronic document D / B associated with a server on the fund subscription system through predetermined communication means. The server preferably transmits the generated fund electronic document to the electronic document server 560 through the communication means and stores the fund electronic document in the electronic document D / B.

Or, if the electronic document storage is provided on a DBMS provided in the fund subscription system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the fund subscription system to the generated fund electronic document It is possible to store in / B, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the fund electronic document in the electronic document storage is performed by linking the generated fund electronic document and predetermined electronic document management information to the electronic document D / D shown in FIG. It is preferable that it consists of storing in B.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund electronic document.

In addition, the electronic document management information may be predetermined electronic document-related information (for example, customer information for preparing a fund application corresponding to the image content, financial institution information for transmitting the fund electronic document, or electronic document file format information, or The fund subscription request information, etc.) is preferably further included.

If the fund electronic document is stored in the electronic document repository (1165), the server generates predetermined financial product operation information corresponding to the fund based on the customer information included in the fund subscription application information and the fund subscription information. (1170).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the fund based on customer information and fund subscription information included in the fund subscription application information. For example, it is preferable to generate a beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server may store deposit information corresponding to the fund based on customer information and fund subscription information included in the fund subscription application information. Or deposit information (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute, etc., including an interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.). .

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and fund subscription information included in the fund subscription application information in connection with the financial system (1175). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized by opening and processing a predetermined financial account for the operation and management of the fund associated with the service.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

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

Thereafter, the server stores the subscription information stored in the fund subscription information including at least one or more of the customer information, the fund subscription information, the generated financial product operation information, and the generated financial account information. Store in medium 555 (1180)

According to an exemplary embodiment of the present invention, when the storage medium 555 is provided in the server or on a network associated with the server, the server includes the customer information included in the received fund subscription request information. Preferably, the storage medium 555 stores fund subscription information and fund subscription information including at least one of financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 555 is provided in a DBMS provided on a financial system, the server includes the customer information and fund subscription information included in the received fund subscription application information. Fund subscription storage information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in the DBMS provided on the financial system.

Thereafter, the server records predetermined financial product registration information (for example, details of opening a financial account corresponding to the fund, or details of storing the fund electronic document in the electronic document repository, or the storage medium 555). The details of storing the fund subscription request information) are generated (or extracted) and transmitted to the terminal (1185).

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the fund subscription system (or associated with the fund subscription system), wherein the storage medium 555 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 555 is at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the fund subscription system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

12 illustrates a non-face-to-face fund subscription system associated with a loan service according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates that when a predetermined customer provides fund subscription application information including at least one of predetermined customer information and fund subscription information through a predetermined financial product subscription interface, the fund subscription agency provides the fund subscription institution. The present invention relates to a system for subscribing to a fund linked to the loan service based on the fund subscription application information and opening a predetermined financial account for managing the fund. If you have, it will be able to infer various implementation methods for the system configuration for the subscription to the fund associated with the loan service by referring to or modifying this figure 12, the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may deduce a fund subscription system configuration by omitting or implementing the method of storing the fund electronic document in the electronic document repository by referring to or modifying the drawing 12. In addition, in the case where the fund electronic document is stored in the electronic document repository, in addition to the implementation method illustrated in FIG. 12, the electronic document repository may be inferred from the implementation method provided in the DBMS located in the fund subscription system. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 12, the fund electronic document is illustrated as being generated by the server side on the fund subscription system, but the present invention is not limited thereto. The terminal may be generated by the terminal that inputs (or selects) the fund subscription application information and transmits the information (eg, the electronic document generating function provided on the server side to generate the fund electronic document). The present invention is not limited by this.

Hereinafter, the fund subscription application information is provided from the customer through a predetermined financial product subscription interface on the fund subscription system shown in FIG. 12 to allow the customer to subscribe to the fund, and a corresponding fund electronic document is provided. Components corresponding to at least one or more means or functional configurations that are generated and stored in a predetermined electronic document repository are referred to as " financial server 1200 " for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, a system for joining a fund associated with the loan service includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a terminal device, the terminal device is connected to the communication channel and the financial server 1200 provided on the fund subscription system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the financial server 1200 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial server Input (or select) the fund subscription application information for the fund subscription associated with the loan service through at least one user interface provided by the 1200, the client terminal on the fund subscription system through a predetermined network means It is preferable to transmit to the financial server 1200 provided in.

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 or a notebook computer connected to the TCP / IP based communication network ( Notebook, or a home appliance terminal (eg, refrigerator, Set-Top-Box, etc.) connected to the TCP / IP-based communication network, or at least one kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the financial server 1200 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the client terminal and network means, or for joining the fund. It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial server 1200 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11 depending on the type of wireless communication network to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial server 1200, and inputs or selects at least one or more information through the user interface to transmit to the financial server 1200 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial server 1200) are preferably 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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the fund subscription system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the financial server 1200 are The customer performs a function of a financial product subscription interface for registering the fund subscription application information for linkage with the loan service.

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the fund subscription system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automated device (not shown) are connected to the financial server 1200. The financial network to perform the function of the financial product subscription interface for the customer to register the fund subscription application information for linking with the loan service, or if the terminal device is the call terminal (not shown), the call terminal (Not shown) and the wired or wireless telephone network connecting the call terminal (not shown) and the financial server 1200 is a financial product subscription interface for the customer to register the fund subscription application information for linking with the loan service In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device, A network connecting a horse (or a server) (not shown) and the terminal (or a server) (not shown) and the financial server 1200 may be used by the customer to register fund subscription application information for linkage with the loan service. Function as a financial instrument subscription interface

The storage medium 1250 provided on the fund subscription system according to the present invention stores the customer information, the fund subscription information, the financial product operation information, and the financial account information included in the fund subscription application information provided from the terminal device. And storing at least one fund subscription storage information.

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

According to the present invention, the fund subscription information preferably includes customer subscription agreement information for fund subscription linked to a loan service through a credit insurance agreement with a predetermined insurance company.

The financial product operation information is a general term for information for managing and operating the fund through which the customer intends to subscribe through the fund subscription application information through a predetermined financial account, and variously modified according to the characteristics and attributes of the fund. It is preferable to carry out.

According to an embodiment of the present invention, if the financial instrument is at least one fund-related instrument, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related instrument (eg, a predetermined securities number and an estimate corresponding to the fund). It is desirable to include the nature of the beneficiary certificates, including the rate of return and subscription period.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (eg, a predetermined deposit / It is preferable to include the account number corresponding to the savings and the deposit (or savings) attribute including the interest (or interest rate) corresponding to the deposit / storage and the subscription period).

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the fund, various additional attributes of the financial product and financial product basic information including the financial product management institution, or the financial product is In the case of an investment-based financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating financial products subscribed to by the customer based on the fund subscription application information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the financial account information is a financial account including a beneficiary certificate corresponding to the financial product operation information, wherein the financial account is the beneficiary certificate. The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information, wherein the financial account is the financial account. A deposit / storage amount is deposited and the account attribute preferably comprises the deposit / storage attribute.

According to one embodiment of the invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the fund subscription system (or associated with the fund subscription system), wherein the storage medium 1250 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1250 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the fund subscription system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The financial server 1200 provided on the fund subscription system according to the present invention is a generic term for the components of the fund subscription system side connected to the terminal device through a predetermined network means, and includes at least one server (or device). It may be implemented as, or at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial server 1200 is located on the internet banking system. A predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial server 1200 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial server 1200 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the telebanking server (or the server (or device)), Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial server 1200 is connected to the TV banking system. Is a predetermined TV banking server provided in the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to an embodiment of the present invention, the financial server 1200 is characterized in that it comprises an interface unit 1205 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1205 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

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. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial server 1200, the interface unit 1205 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

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

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1205 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1205 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial server 1200, the interface unit 1205 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1205 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1205 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 12, when a predetermined terminal device connects a predetermined communication channel with the financial server 1200 through the interface unit 1205, a fund associated with the loan service is provided. Generate (or extract) at least one user interface for inputting (or selecting) predetermined fund subscription request information from the terminal device to the financial server 1200 for subscription, and the interface unit 1205. The interface providing unit 1210 for providing the generated (or extracted) user interface to the terminal device in association with the terminal device inputs (or selects) and transmits the fund subscription application information through the user interface. And an information receiving unit 1215 for receiving the fund subscription request information transmitted from the terminal device in association with the interface unit 1205. It is characterized by falling.

The interface providing unit 1210 connects a predetermined communication channel with the financial server 1200 through the interface unit 1205 and then connects the loan service to the financial server 1200. When the user interface is requested, at least one user interface for generating (or selecting) predetermined fund subscription request information from the terminal device and transmitting the predetermined fund subscription request information to the financial server 1200 through the network means is generated or And extracting from the database (not shown) and providing the generated user interface (or extracted) to the terminal apparatus through the network means in association with the interface unit 1205.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1210 is provided as a browser program or a communication program provided in the client terminal. 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 client terminal through the interface unit 1205.

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

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1210 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1205. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1210 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1205.

According to another exemplary embodiment of the present invention, the terminal apparatus includes at least one user interface for inputting (or selecting) predetermined fund subscription application information to the financial server 1200 through the network means. When the information registration program is provided, an interface for generating (or extracting) a user interface for inputting (or selecting) predetermined fund subscription application information and transmitting it to the financial server 1200 and providing it to the terminal device as described above. The providing unit 1210 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) fund subscription application information including at least one of the customer information and fund subscription information through the user interface, and transmits the input (or selected) fund subscription application information to the network. The information receiving unit 1215 receives the fund subscription request information transmitted from the terminal device in association with the interface unit 1205. .

According to the exemplary embodiment of the present invention, the terminal apparatus may determine a validity of the fund subscription request information in the financial server 1200 in the fund subscription request information including at least one of the customer information and the fund subscription information. It is preferable to further include at least one or more of the password or security card information or the OTP code generated through a predetermined one time password (OTP) generator to the financial server 1200 via the network means.

According to an embodiment of the present invention, the terminal apparatus includes at least one encryption method (for example, a symmetric key based encryption method or a public key based encryption method) for fund subscription application information including at least one of the customer information and the fund subscription information. Or an electronic envelope-based encryption method, a key exchange-based encryption method, etc.), or attach a predetermined electronic signature to the fund subscription request information and transmit the same to the financial server 1200 through the network means. To this end, the terminal device is provided with at least one encryption key corresponding to the encryption scheme, or provided with a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip ( Or an IC card), an authorized certification provided on the IC chip (or IC card) It is equipped with a card reader for identifying a preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption schemes for encrypting the fund subscription information and technical features of attaching a predetermined electronic signature to the fund subscription application information. Since it will be understood, detailed description thereof will be omitted for convenience.

Referring to FIG. 12, when the fund subscription request information transmitted from the terminal device is received through the information receiver 1215, the financial server 1200 is connected with the loan service. Characterized in that it comprises a validity check unit 1220 to check whether the validity for joining the fund.

According to the implementation method of the present invention, the fund subscription application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) Is encrypted, the validator 1220 is at least one decryption method (for example, symmetric key-based decryption, public key-based decryption, or the like) corresponding to the encrypted fund subscription request information Envelope-based decryption method, key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received fund subscription application information.

Alternatively, when a predetermined electronic signature is attached to the fund subscription request information, the validity confirming unit 1220 checks the electronic signature attached to the fund subscription application information, thereby validating the received fund subscription application information. It is desirable to authenticate.

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

According to an embodiment of the present invention, when the fund subscription request information received through the information receiving unit 1215 further includes a predetermined password for confirming the validity of the fund subscription request information, the validity confirming unit 1220. ) Compares and authenticates the password included in the fund subscription request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received fund subscription request information.

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

Alternatively, when the fund subscription request information received through the information receiver 1215 further includes a predetermined OTP code for confirming the validity of the fund subscription request information, the validity checker 1220 may determine the fund. By comparing and authenticating the received OTP code included in the subscription application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the validity of the received fund subscription application information is verified. It is desirable to authenticate.

According to the method of the present invention, the validity of the fund subscription application information is determined whether at least one ledger information matching the fund subscription application information is registered in the ledger D / B on the financial system associated with the fund subscription system It is preferable to include checking.

For example, the validity of the fund subscription request information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the fund subscription request information on the financial system linked with the fund subscription system. It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the fund subscription request information includes checking whether the financial account information included in the fund subscription request information matches an account ledger stored in the ledger D / B on the financial system linked to the fund subscription system. It is preferable to make.

Referring to FIG. 12, when the validity of the fund subscription request information is authenticated through the validity confirming unit 1220, the financial server 1200 generates a predetermined fund electronic document including the received fund subscription request information. And an electronic document transmitter 1230 for transmitting the generated electronic document to the electronic document repository associated with the fund subscription system.

The electronic document generation unit 1225 may generate a fund electronic document including the fund subscription request information received from the terminal device through the information receiving unit 1215.

According to an exemplary embodiment of the present invention, the electronic document generator 1225 may include document content including at least one of customer information and fund subscription information included in the fund subscription application information received through the information receiver 1215. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the document content, and an MHT. Web document files, etc.) is preferably processed as a fund electronic document for linking with the loan service.

Alternatively, the electronic document generation unit 1225 generates document content including at least one of customer information and fund subscription information included in the fund subscription request information received through the information receiving unit 1215, and generates the document content into the document content. After including at least one or more information of the customer information, fund subscription information included in the fund subscription application information by watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document) Format file, electronic data interchange (EDI) file, word processor file including at least one of HWP / DOC, or web document file including MHT), etc.) as a fund electronic document for linking with the loan service. It is preferable to process.

Alternatively, the electronic document generation unit 1225 generates document content including at least one of customer information and fund subscription information included in the fund subscription request information received through the information receiving unit 1215, and generates the document content. It is preferable to process an image file including captured image contents (eg, image contents generated by capturing the document contents on a memory) into a fund electronic document for linking with the loan service.

Alternatively, the electronic document generation unit 1225 generates document content including at least one of customer information and fund subscription information included in the fund subscription request information received through the information receiving unit 1215, and the document content. Watermarking at least one of customer information and fund subscription information included in the fund subscription application information into captured image content (for example, image content generated by capturing the document content on a memory). After including it in such a manner, it is preferable to process an image file including the image content including the watermarking as a fund electronic document for linking with the loan service.

According to another exemplary embodiment of the present invention, the electronic document generator 1225 may include at least one document information including customer information and fund subscription information included in the fund subscription application information received through the information receiver 1215. A predetermined document file (e.g., a Portable Document Format (PDF) file) including an image content (e.g., image content generated by capturing the document content on a memory) and generating the captured document content. By generating 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 an MHT, and the like as a fund electronic document for linkage with the loan service. It is preferable.

Alternatively, the electronic document generation unit 1225 generates document content including at least one of customer information and fund subscription information included in the fund subscription request information received through the information receiving unit 1215, and generates the document content. Watermarking method of capturing image contents (eg, image contents generated by capturing the document contents on a memory) at least one or more of customer information and fund subscription information included in the fund subscription application information At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; By generating a word processor file or a web document file including the MHT). It is preferable to process the funds electronic document for.

According to another exemplary embodiment of the present invention, the electronic document generation unit 1225 includes at least one document including customer information and fund subscription information included in the fund subscription application information received through the information receiver 1215. A predetermined document file (eg, PDF (e.g., PDF) containing content generated from the document content (e.g., image content generated by capturing the document content on a memory) and the fund subscription request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the funds electronic document for.

Alternatively, the electronic document generation unit 1225 generates document content including at least one of customer information and fund subscription information included in the fund subscription request information received through the information receiving unit 1215, and generates the document content. Watermarking method of capturing image content (for example, image content generated by capturing the document content on a memory) at least one or more of customer information and fund subscription information included in the fund subscription application information A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP) containing the watermarking image content and the fund subscription request information. By generating a word processor file including at least one / DOC or the like, or a web document file including the MHT, It is desirable to process electronic documents to the Fund for the period in connection with the loan service.

In the technical field to which the present invention pertains, technical features of the electronic document generating unit 1225 generating a fund electronic document in an image file format or a predetermined document file format, and corresponding to the fund electronic document Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1230 may transmit and store the fund electronic document generated by the electronic document generating unit 1225 to a predetermined electronic document repository associated with the fund subscription system.

As shown in FIG. 12, the electronic document repository includes an electronic document D / B and a predetermined electronic document server 1255 associated with the financial server 1200 on the fund subscription system through predetermined communication means. The electronic document transmission unit 1230 transmits the fund electronic document generated by the electronic document generation unit 1225 to the electronic document server 1255 through the communication means. .

In this case, when the electronic document server 1255 and the electronic document D / B are provided outside the fund subscription system, the electronic document server 1255 and the electronic document D / B are managed by an authorized institution. desirable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the fund subscription system, the electronic document transmitting unit 1230 is the fund generated by the electronic document generating unit 1225. It is possible to store the electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the fund subscription system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1230 may input electronic document related information (for example, the fund subscription request information) for generating predetermined electronic document management information in the electronic document server 1255 ( Optionally), the customer information, or the financial institution for transmitting the fund electronic document, or the electronic document file format information, or the fund subscription application information, etc.) can be further transmitted to the electronic document repository, Thereby, this invention is not limited.

Referring to FIG. 12, the financial server 1200 authenticates the validity of the fund subscription application information received through the information receiving unit 1215 through the validity confirming unit 1220. When the information is generated, the information generation unit 1235 for generating predetermined financial product operation information corresponding to the fund based on the customer information and fund subscription information included in the fund subscription application information, and the fund subscription application. And a financial account processing unit 1240 for opening and processing a financial account of the customer's name including the financial product operation information based on the customer information and fund subscription information included in the information.

When the validity confirmation unit 1220 confirms the validity of the fund subscription application information, the information generation unit 1235 corresponds to the fund based on the customer information and fund subscription information included in the fund subscription application information. Characterized in that the predetermined financial product management information is generated.

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the information generator 1235 corresponds to the fund based on customer information and fund subscription information included in the fund subscription application information. It is preferable to generate the beneficiary certificate information (eg, the beneficiary certificate attribute including the predetermined securities number and the expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the information generation unit 1235 is based on the customer information and fund subscription information included in the fund subscription application information. Corresponding deposit information (or savings information) (e.g., account number corresponding to a given deposit / storage, deposit (or savings) attribute including the deposit / storage corresponding interest (or interest rate) and subscription period, etc.) It is desirable to produce.

The financial account processing unit 1240 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information linked to the loan service It is characterized in that for opening the predetermined financial account for processing.

According to an embodiment of the present invention, when the financial server 1200 and the financial system exist in the same system, the financial account processor 1240 operates the financial product in the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger containing the information.

According to another exemplary embodiment of the present invention, when the financial server 1200 and the financial system exist on another system connected through a predetermined communication means, the financial account processing unit 1240 may perform the communication through the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial product operation information through an external system on the financial system.

Referring to FIG. 12, the financial server 1200 authenticates the validity of the fund subscription application information received through the information receiving unit 1215 through the validity confirming unit 1220. When the validity is verified, the customer information and fund subscription information included in the fund subscription application information and the financial product operation information generated by the information generation unit 1235 and the financial account processing unit 1240 are generated. And an information storage unit 1245 for storing the fund subscription storage information including at least one financial account information in a predetermined storage medium 1250.

When the validity of the fund subscription application information is confirmed by the validity confirmation unit 1220, the information storage unit 1245 includes at least one of the customer information and fund subscription information included in the fund subscription application information. Fund storage information is stored in the storage medium 1250.

In addition, when the financial product operation information generated by the information generation unit 1235 is generated, the information storage unit 1245 further includes the generated financial product operation information in the fund subscription storage information. It is desirable to store in the medium 1250.

In addition, the information storage unit 1245 further includes the opened financial account information in the fund subscription storage information when a financial account including the financial product operation information is opened in the ledger D / B on the financial system. The storage medium 1250 is preferably stored.

According to an exemplary embodiment of the present invention, when the storage medium 1250 is provided in the financial server 1200 or on a network connected to the financial server 1200, the information storage unit 1245 may be configured as the storage medium 1250. Preferably, the storage medium 1250 stores fund subscription information including at least one of the customer information, the fund subscription information, the financial product operation information, and the financial account information included in the received fund subscription application information.

According to another exemplary embodiment of the present invention, when the storage medium 1250 is provided in a DBMS provided on a financial system, the information storage unit 1245 may include the customer information included in the received fund subscription request information. It is preferable to provide fund subscription information and fund subscription storage information including at least one or more financial product operation information and financial account information to an information system through an external system on the financial system and to store the information in a DBMS provided on the financial system.

Referring to FIG. 12, an electronic document server 1255 that receives a predetermined fund electronic document from the financial server 1200 provided on the fund subscription system and stores and manages the predetermined electronic document D / B in a predetermined electronic document D / B is provided. An electronic document receiving unit 1260 for receiving a predetermined fund electronic document from the financial server 1200 through a communication means, and a predetermined electronic device for storing and managing the received fund electronic document in the electronic document D / B. And an information generating unit 1265 for generating document management information, and an electronic document storage unit 1270 for storing the electronic document management information and the fund electronic document in a predetermined electronic document D / B. It features.

The electronic document receiving unit 1260 may receive a fund electronic document in the form of an image file or a document file from the financial server 1200 through the communication means.

According to an embodiment of the present invention, the fund electronic document received by the electronic document receiving unit 1260 through the communication means is customer information included in the fund subscription request information received by the financial server 1200 from the terminal device. A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including document content including at least one fund subscription information. File, or a web document file including MHT).

Alternatively, the fund electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one of customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. A document file including document content including the watermarking after including at least one of customer information and fund subscription information included in the fund subscription application information in a watermarking method in the document content including the above watermark ( 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 MHT) may be included. Do.

Alternatively, the fund electronic document received by the electronic document receiver 1260 through the communication means may include at least one of customer information and fund subscription information included in the fund subscription request information received by the financial server 1200 from the terminal device. It is preferable to include an image file including the image content (for example, the image content generated by capturing the document content on the memory) that captured the document content including the above.

Alternatively, the fund electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one of customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. At least one of customer information and fund subscription information included in the fund subscription application information is included in the image content (eg, the image content generated by capturing the document content on a memory). After the watermarking method is included, the watermarking may include an image file including the image content.

According to another exemplary embodiment of the present invention, the fund electronic document received by the electronic document receiving unit 1260 through the communication means is a customer included in the fund subscription request information received by the financial server 1200 from the terminal device. A predetermined document file (eg, PDF (Portable) including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of information and fund subscription information. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

Alternatively, the fund electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one of customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. At least one of customer information and fund subscription information included in the fund subscription application information is included in the image content (eg, the image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. A word processor file containing at least one of / DOC, etc., or a web document file containing an MHT, etc.) It is preferable to make.

According to another exemplary embodiment of the present invention, the fund electronic document received by the electronic document receiving unit 1260 through the communication means is included in the fund subscription request information received by the financial server 1200 from the terminal device. A predetermined document including image content (e.g., image content generated by capturing the document content on a memory) and the fund subscription application information, which captures document content including at least one of customer information and fund subscription information. A file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable.

Alternatively, the fund electronic document received by the electronic document receiving unit 1260 through the communication means may include at least one of customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. At least one of customer information and fund subscription information included in the fund subscription application information is included in the image content (eg, the image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the watermarking image content and the fund subscription request information). Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web including MHT. Document files).

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

According to an embodiment of the present invention, the information generating unit 1265 transmits the fund electronic document with reference to the financial server 1200 that transmits the fund electronic document received through the electronic document receiving unit 1260. It is desirable to identify a financial institution 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 server 1200 through the electronic document receiving unit 1260, the information generating unit 1265 may receive the received electronic document. Document related information (e.g., customer information transmitted by inputting (selecting) the fund subscription application information, financial institution information transmitting the fund electronic document, electronic document file format information, or the fund subscription application information, etc.); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 1270 associates a fund electronic document received through the electronic document receiving unit 1260 with electronic document management information generated through the information generating unit 1265 to process a predetermined electronic document D / B. Characterized in that stored in.

According to the exemplary embodiment of the present invention, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 is included in the fund subscription request information received by the financial server 1200 from the terminal device. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including document content including at least one or more of the customer information, fund subscription information, etc. A word processor file, or a web document file including MHT).

Alternatively, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. The document content including at least one of the customer information included in the fund subscription application information, including at least one or more information of the fund subscription information in a watermarking (Watermarking) method, including the document content including the watermarking A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. The image file may include an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. At least one of customer information and fund subscription information included in the fund subscription application information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of After including the above information by a watermarking method, it is preferable that the image file includes the image content including the watermarking.

According to another exemplary embodiment of the present invention, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 is based on the fund subscription request information received by the financial server 1200 from the terminal device. Predetermined document files (e.g., image content captured by document content including at least one or more included customer information, fund subscription information) (e.g., image content generated by capturing the document content on a memory) A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. At least one of customer information and fund subscription information included in the fund subscription application information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of Generate image content including the above information by a watermarking method, and include a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking. , Or a word processor file including at least one HWP / DOC, or a web document file including the MHT). It is preferable to carry out.

According to another embodiment of the present invention, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 is the fund subscription request information received by the financial server 1200 from the terminal device Image content (e.g., image content generated by capturing the document content on a memory) and the fund subscription request information including document information including at least one of customer information and fund subscription information included in the document. 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) It is preferable to comprise.

Alternatively, the fund electronic document stored in the electronic document D / B by the electronic document storage unit 1270 may include customer information and fund subscription information included in the fund subscription application information received by the financial server 1200 from the terminal device. At least one of customer information and fund subscription information included in the fund subscription application information in image content (eg, image content generated by capturing the document content on a memory) including document content including at least one of Generate image content including the above information by a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, or EDI) including the watermarking image content and the fund subscription request information. (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web text including MHT It is preferable to include a standing file).

According to the method of the present invention, the electronic document management information, which is stored in the electronic document D / B by the electronic document storage unit 1270 in association with the fund electronic document, is assigned to the fund electronic document. Preferably, the electronic document includes a unique number (or unique information) 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 by the electronic document storage unit 1270 in association with the fund electronic document is stored in the financial electronic document. It is preferable to further include information on the financial institution that transmitted the fund electronic document identified with reference to the server 1200.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial server 1200, the electronic document storage unit 1270 processes the electronic document D in association with the fund electronic document. The electronic document management information stored in / B is the received electronic document related information (for example, customer information transmitted by inputting (selecting) the fund subscription application information, or financial institution information transmitting the fund electronic document, or Electronic document file format information, or the fund subscription application information).

13A and 13B are diagrams illustrating a fund subscription process associated with a loan service in a non-face to face manner according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B illustrate a web server function in which a terminal device on the fund subscription system shown in FIG. 12 is a client terminal, and the financial server 1200 can access a client terminal through a predetermined network means. In the case, if the predetermined customer provides the fund subscription application information including at least one of customer information, fund subscription information through the client terminal in order to join the fund associated with the loan service, the fund subscription system An implementation method of processing a subscription to the fund for linking with the loan service on the basis of the fund subscription application information including at least one of the customer information and the fund subscription information, the general knowledge in the technical field to which the present invention belongs. If you have one, refer to or modify the drawings 13a and 13b to the client Various implementation methods for registering the fund subscription application information from the terminal to the financial server 1200 may be inferred, but the present invention includes all the implementation methods inferred, and is illustrated in FIGS. 13A and 13B. It is not limited to the method.

For example, the method shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the fund subscription request information and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

13A and 13B provide a user interface through which the client terminal inputs (or selects) the fund subscription application information through a predetermined web page provided by the financial server 1200. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial server 1200, and the present invention is not limited thereto.

Hereinafter, in FIG. 13A and FIG. 13B, the client terminal illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the financial server 1200 illustrated in FIG. 12 is referred to as a “server” for convenience. The customer information and fund subscription information transmitted to the financial server 1200 is called "fund application information" for convenience.

Referring to FIGS. 13A and 13B, when the client terminal illustrated in FIG. 12 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, A user for accessing the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN, to connect to a predetermined communication channel, and link with the loan service. When requesting a web page including an interface (1300), the server correspondingly inputs (or selects) fund subscription request information including at least one of the customer information and fund subscription information to transmit to the server. Generating (or extracting) a web page including an interface (1305), and generating (or extracting) the web page via the network means; And outputs to send the web page containing the user interface in the terminal group (1310).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the fund subscription application information registration procedure, whereby the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) fund subscription application information including at least one or more customer information and fund subscription information through a user interface included in the web page (1315).

If the terminal inputs (or selects) fund subscription request information including the customer information and fund subscription information through the user interface (w20), the terminal receives the input (or selects) through the communication channel. Information and fund subscription information are transmitted to the server (1325).

According to an embodiment of the present invention, the terminal includes a predetermined password or security card for confirming the validity of the fund subscription request information in the server to the fund subscription request information including at least one of the customer information and the fund subscription information. It is preferable to further include at least one or more information or OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for fund subscription request information including at least one of the customer information and fund subscription information. Or an electronic envelope-based encryption method, a key exchange-based encryption method, or the like), or attach a predetermined electronic signature to the fund subscription request information and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate is provided on a predetermined IC chip (or IC card). If yes, to confirm the certificate of authentication provided in the IC chip (or IC card) It is preferable that a card reader is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for fund subscription request information including at least one of the customer information and fund subscription information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or a predetermined public certificate including at least one encryption key, or when the public certificate is provided on a predetermined IC chip (or IC card), provided on the IC chip (or IC card). It is desirable to have a card reader for verifying the public certificate.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the fund subscription application information and the technical features of attaching a predetermined electronic signature to the fund subscription application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and the fund subscription information through the communication channel to confirm the validity of the fund subscription application information (1330).

According to the implementation method of the present invention, the fund subscription application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) Is encrypted, the server may include the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or key exchange-based decryption scheme) to authenticate validity of the received fund subscription application information.

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

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

According to an embodiment of the present invention, if the received fund subscription request information further includes a predetermined password for confirming the validity of the fund subscription request information, the server is included in the fund subscription request information and received. It is preferable to authenticate the validity of the received fund subscription application information by comparing and authenticating a password and a password provided corresponding to the customer on the DBMS.

Alternatively, when the received fund subscription request information further includes predetermined security card information for confirming the validity of the fund subscription application information, the server includes the received security card information included in the fund subscription application information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received fund subscription application information.

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

According to the method of the present invention, the validity of the fund subscription application information is determined whether at least one ledger information matching the fund subscription application information is registered in the ledger D / B on the financial system associated with the fund subscription system It is preferable to include checking.

For example, the validity of the fund subscription request information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the fund subscription request information on the financial system linked with the fund subscription system. It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the fund subscription request information includes checking whether the financial account information included in the fund subscription request information matches an account ledger stored in the ledger D / B on the financial system linked to the fund subscription system. It is preferable to make.

If the validity of the fund subscription request information is not authenticated (1335), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1340), and does not perform the fund subscription procedure. Do not.

On the other hand, if the validity of the fund subscription request information is authenticated (1335), the server generates at least one document content including the at least one customer information, fund subscription information including the fund subscription request information (1345), A fund electronic document including the document content is generated (1350).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and includes a document file (eg, the document content). , 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 desirable to process the fund electronic documents.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription application information, and the customer information included in the fund subscription application information and fund subscription to the document content. After including at least one of the 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 an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) as a fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). It is preferable to process the image file (including image content generated by capturing on the memory) as a fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). Image content generated by capturing the image on a memory) by including at least one or more of the customer information and the fund subscription information included in the fund subscription application information in a watermarking manner, and then including the watermarking image content. It is preferable to process an image file including a fund electronic document associated with the loan service.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating a word processor file including at least one or a web document file including the MHT, etc.), it is preferable to process as a fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). Image content generated by capturing the image on the memory), the image content including at least one or more of the customer information and the fund subscription information included in the fund subscription application information by a watermarking method. A document file including an image content included (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 including an MHT). Document files, etc.), to be processed as a fund electronic document associated with the loan service. It is.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing an image content (e.g., image content generated by capturing the document content on a memory) and the fund subscription application information. File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT, etc.), to process the fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). Image content generated by capturing the image on the memory), the image content including at least one or more of the customer information and the fund subscription information included in the fund subscription application information by a watermarking method. A word file 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 included image content and the fund subscription request information; Or a web document file including an MHT), and the fund electronic document linked to the loan service. It is desirable to treat each other.

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

Thereafter, the server stores the generated fund electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 12, when the electronic document storage is provided externally including a predetermined electronic document server 1255 and an electronic document D / B linked to a server on the fund subscription system through predetermined communication means. The server preferably transmits the generated fund electronic document to the electronic document server 1255 through the communication means and stores the fund electronic document in the electronic document D / B.

Or, if the electronic document storage is provided on a DBMS provided in the fund subscription system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the fund subscription system to the generated fund electronic document It is possible to store in / B, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the fund electronic document in the electronic document storage is performed by linking the generated fund electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable that it comprises storing in.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the fund subscription request information), financial institution information transmitting the fund electronic document, or electronic document file format. Information, or the fund subscription application information).

If the fund electronic document is stored in the electronic document repository (1360), the server generates predetermined financial product management information corresponding to the fund based on the customer information included in the fund subscription application information and the fund subscription information. (1365)

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the fund based on customer information and fund subscription information included in the fund subscription information. , A beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server may store deposit information corresponding to the fund based on customer information and fund subscription information included in the fund subscription application information. Or deposit information (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute, etc., including an interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.). .

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and fund subscription information included in the fund subscription application information in connection with the financial system (1370). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized in that the opening and processing of a predetermined financial account for operating and managing the funds associated with the service.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

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

Thereafter, the server includes the customer information and the fund subscription information included in the fund subscription application information, the financial product operation information generated by the information generator 1235 and the financial account generated by the financial account processor 1240. Fund subscription storage information including at least one account information is stored in a predetermined storage medium 1250 (w75).

According to an embodiment of the present invention, when the storage medium 1250 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. Preferably, the storage medium 1250 stores fund subscription information and fund subscription storage information including at least one of financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1250 is provided in a DBMS provided on a financial system, the server includes the customer information, fund subscription information, and the customer information included in the received fund subscription application information. Fund subscription storage information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in the DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration information (for example, details of opening a financial account corresponding to the fund, or details of storing the fund electronic document in the electronic document repository, or the storage medium 1250). The details of storing the fund subscription application information) are generated (or extracted) and transmitted to the terminal (1380).

According to one embodiment of the invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the fund subscription system (or associated with the fund subscription system), wherein the storage medium 1250 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1250 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the fund subscription system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

14A, 14B, and 14C are diagrams illustrating a fund subscription process associated with a loan service according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case where the fund subscription system shown in FIG. 12 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, the fund subscription system shown in FIG. 12). In the case where the financial server 1200 is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. A fund including at least one of the customer information and the fund subscription information in the internet banking server when the client terminal transmits predetermined fund subscription application information to the internet banking server in order to join the fund associated with the loan service; A method of signing up for the fund linked to the loan service based on the subscription application information. As those skilled in the art to which the present invention pertains, various implementations of registering the fund subscription application information through other types of non-face-to-face financial transaction channels by referring to or modifying the drawings 14a, 14b, and 14c. 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. 14A, 14B and 14C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 14A, 14B and 14C, the browser Although a method of connecting an internet banking-based financial transaction channel for registering fund subscription application information between the client terminal and the Internet banking server based on a program is illustrated, the present invention may be applied to those skilled in the art. The client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14a, 14b and 14c. between Although it may be possible to infer a method of connecting an internet banking-based financial transaction channel for registration of the fund subscription application information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 14a, 14b and 14c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of fund subscription information. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. 14A, 14B and 14C. It is never limited to banking.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following FIGS. 14A, 14B, and 14C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial server 1200 is referred to as a "server" for convenience.

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (1400a), the server may access the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), 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 (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1410a).

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 or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (1415a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1420a.

If the terminal does not need to install or update the latest version of the security module for internet banking (1425a), or if the terminal does not need to load or update the security module for internet banking (1415a), the server is mounted on the terminal. By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (1430a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and is also defined in the information (or data) to be provided to the server to register the fund subscription application information in the terminal. When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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 Data is attached to a predetermined digital signature, or encrypted and provided by at least one or more encryption methods (or encryption algorithms), the terminal confirms the electronic signature or a predetermined counterpart corresponding to the encryption method (or encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of fund subscription application information in the terminal. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

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 (1435a).

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

Subsequently, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1440a). In operation 1445a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined fund subscription application information for linking with a loan service from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for linking with the loan service to the server through an internet banking-based financial transaction channel (1400b), the server responds to the customer information and fund subscription information. Generating (or extracting) a webpage including a user interface for inputting (or selecting) fund subscription request information including at least one of the information to be transmitted to the server (1405b), and through the internet banking-based financial transaction channel. The web page including the generated (or extracted) user interface is transmitted to the terminal and output (1410b).

According to an embodiment of the present invention, the web page may include a user interface for inputting (or selecting) fund subscription application information including at least one of customer information and fund subscription information in the terminal. In order to verify the validity of an Internet banking customer requesting to register the fund subscription information, predetermined password or security card information (e.g., security card information printed on the security card issued to the customer during the Internet banking application process) or OTP ( One Time Password) (eg, an Internet banking application process (or after the Internet banking application) further includes a user interface for inputting a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution. It is preferable.

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

Thereafter, the terminal inputs (or selects) fund subscription application information including at least one of the customer information and fund subscription information through the financial product subscription interface (1415b).

If the terminal inputs (or selects) fund subscription application information including the customer information and fund subscription information through the user interface (1420b), the terminal inputs (or selects) the information through the financial transaction channel. Fund subscription application information is transmitted to the server (1425b).

According to an embodiment of the present invention, the terminal includes a predetermined password or security card for confirming the validity of the fund subscription request information in the server to the fund subscription request information including at least one of the customer information and the fund subscription information. It is preferable to further include at least one or more information or OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for fund subscription request information including at least one of the customer information and fund subscription information. Or an electronic envelope-based encryption method, a key exchange-based encryption method, or the like), or attach a predetermined electronic signature to the fund subscription request information and transmit the same to the server through the network means. The terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined public certificate including at least one encryption key, or the public certificate is provided on a predetermined IC chip (or IC card). If yes, to confirm the certificate of authentication provided in the IC chip (or IC card) It is preferable that a card reader is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method or a public key based encryption method) for fund subscription request information including at least one of the customer information and fund subscription information. Or an electronic envelope-based encryption method, or a key exchange-based encryption method) and transmit the same to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption method. Or a predetermined certificate provided with at least one encryption key, or provided with the IC chip (or IC card) when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader for verifying a certificate is provided.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the fund subscription application information and the technical features of attaching a predetermined electronic signature to the fund subscription application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the fund subscription request information through the financial transaction channel to confirm the validity of the fund subscription request information (1430b).

According to the implementation method of the present invention, the fund subscription application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The server converts the encrypted fund subscription request information into at least one decryption scheme (eg, symmetric key based decryption scheme, public key based decryption scheme, or electronic envelope based decryption scheme) corresponding to the encryption scheme. , Or a key exchange based decryption scheme) to authenticate validity of the received fund subscription application information.

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

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

According to an embodiment of the present invention, if the received fund subscription request information further includes a predetermined password for confirming the validity of the fund subscription request information, the server is included in the fund subscription request information and received. It is preferable to authenticate the validity of the received fund subscription application information by comparing and authenticating a password and a password provided corresponding to the customer on the DBMS.

Alternatively, when the received fund subscription request information further includes predetermined security card information for confirming the validity of the fund subscription application information, the server includes the received security card information included in the fund subscription application information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received fund subscription application information.

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

According to the method of the present invention, the validity of the fund subscription application information is determined whether at least one ledger information matching the fund subscription application information is registered in the ledger D / B on the financial system associated with the fund subscription system It is preferable to include checking.

For example, the validity of the fund subscription request information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the fund subscription request information on the financial system linked with the fund subscription system. It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the fund subscription request information includes checking whether the financial account information included in the fund subscription request information matches an account ledger stored in the ledger D / B on the financial system linked to the fund subscription system. It is preferable to make.

If the validity of the fund subscription request information is not authenticated (1435b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1440b), and does not perform the fund subscription procedure. Do not.

On the other hand, if the validity of the fund subscription request information is authenticated (1435b), the server generates predetermined document content including at least one or more customer information and fund subscription information including the fund subscription request information (1445b), A predetermined fund electronic document including the document content is generated (1450c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and includes a document file (eg, the document content). , 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 desirable to process the fund electronic documents.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription application information, and the customer information included in the fund subscription application information and fund subscription to the document content. After including at least one of the 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 an EDI (Electronic Data Interchange) file, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.) as a fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). It is preferable to process the image file (including image content generated by capturing on the memory) as a fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). Image content generated by capturing the image on the memory) by including at least one or more of the customer information and the fund subscription information included in the fund subscription application information in a watermarking manner, and then including the image content including the watermarking. It is preferable to process the image file including the fund electronic document associated with the loan service.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the document content. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing image content (eg, image content generated by capturing the document content on a memory). By generating a word processor file including at least one or a web document file including the MHT, etc.), it is preferable to process as a fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). Image content generated by capturing the image on the memory), the image content including at least one or more of the customer information and the fund subscription information included in the fund subscription application information by a watermarking method. A document file including an image content included (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 including an MHT). Document file, etc.), to process the fund electronic document associated with the loan service. Do.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing an image content (e.g., image content generated by capturing the document content on a memory) and the fund subscription application information. File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT, etc.), to process the fund electronic document associated with the loan service.

Alternatively, the server generates document content including at least one of customer information and fund subscription information included in the received fund subscription request information, and captures the image content (eg, the document content). Image content generated by capturing the image on the memory), the image content including at least one or more of the customer information and the fund subscription information included in the fund subscription application information by a watermarking method. A word file 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 included image content and the fund subscription request information; Or a web document file including an MHT), and the fund electronic document linked to the loan service. It is preferred to process with.

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

Thereafter, the server stores the generated fund electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 12, when the electronic document storage is provided externally including a predetermined electronic document server 1255 and an electronic document D / B linked to a server on the fund subscription system through predetermined communication means. The server preferably transmits the generated fund electronic document to the electronic document server 1255 through the communication means and stores the fund electronic document in the electronic document D / B.

Or, if the electronic document storage is provided on a DBMS provided in the fund subscription system, the server is the electronic document D corresponding to the electronic document storage on the DBMS provided in the fund subscription system to the generated fund electronic document It is possible to store in / B, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the fund electronic document in the electronic document storage is performed by linking the generated fund electronic document and predetermined electronic document management information to the electronic document D / B shown in FIG. It is preferable that it comprises storing in.

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

In addition, the electronic document management information preferably further comprises information on the financial institution that transmitted the fund electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the fund subscription request information), financial institution information transmitting the fund electronic document, or electronic document file format. Information, or the fund subscription application information).

If the fund electronic document is stored in the electronic document repository (1460c), the server generates predetermined financial product management information corresponding to the fund based on the customer information included in the fund subscription application information and the fund subscription information. (1465c).

According to an embodiment of the present invention, if the financial product is at least one fund-related product, the server may include information on beneficiary certificates corresponding to the fund based on customer information and fund subscription information included in the fund subscription information. , A beneficiary certificate attribute including a predetermined security number and an expected return and subscription period corresponding to the fund.

According to another exemplary embodiment of the present invention, if the financial product is at least one deposit / saving product, the server may store deposit information corresponding to the fund based on customer information and fund subscription information included in the fund subscription application information. Or deposit information (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) attribute, etc., including an interest (or interest rate) corresponding to the deposit / storage) and a subscription period, etc.). .

Thereafter, the server opens and processes a financial account of the customer's name including the financial product operation information based on the customer information and fund subscription information included in the fund subscription information in connection with the financial system (1470c). .

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the fund subscription application information. It is characterized in that the opening and processing of a predetermined financial account for operating and managing the funds associated with the service.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial product operation information in the ledger D / B in association with the financial system. It is desirable to.

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

Thereafter, the server stores the subscription information stored in the fund subscription information including at least one or more of the customer information, the fund subscription information, the generated financial product operation information, and the generated financial account information. Store in medium 1250 (1475c)

According to an embodiment of the present invention, when the storage medium 1250 is provided in the server or on a network associated with the server, the server may include the customer information included in the received fund subscription request information. Preferably, the storage medium 1250 stores fund subscription information and fund subscription storage information including at least one of financial instrument operation information and financial account information.

According to another exemplary embodiment of the present invention, when the storage medium 1250 is provided in a DBMS provided on a financial system, the server includes the customer information and fund subscription information included in the received fund subscription application information, and the Fund subscription storage information including at least one financial product operation information and financial account information is preferably provided to the information system through an external system on the financial system and stored in the DBMS provided on the financial system.

Subsequently, the server registers predetermined financial product registration history information (for example, details of opening a financial account corresponding to the fund, or details of storing the fund electronic document in the electronic document repository, or the storage medium 1250). The details of storing the fund subscription request information) are generated (or extracted) and transmitted to the terminal (1480c).

According to one embodiment of the invention, the storage medium 1250 is preferably provided in a DBMS on a financial system provided on the fund subscription system (or associated with the fund subscription system), wherein the storage medium 1250 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1250 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the fund subscription system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

15 is a diagram illustrating a system for establishing a loan account in a face-to-face manner for a loan associated with a customer subscription financial product (or financial asset) according to one embodiment of the present invention.

In more detail, Fig. 15 shows that a given customer prepares a loan account application including at least one piece of customer information, loan information, subscription financial product (or financial asset) information, and submits it to a window provided at a predetermined financial institution. The information shown in FIG. 1 or FIG. 3 shows whether the financial institution can make a loan corresponding to the financial product (or financial asset held by the customer) based on the loan application information corresponding to the loan account application. After checking on the basis of the credit insurance agreement information stored in the storage medium 1570 through the registration system, if it is determined that a loan is possible, a loan account for a loan linked to the customer enrolled financial product (or financial asset) is opened. The present invention relates to a system configuration for storing loan account management information for managing the loan account in a predetermined storage medium 1570. Those skilled in the art can refer to or modify this drawing 15 to infer various implementation methods for the construction of a loan account opening system for loans associated with customer-subscribed financial products (or financial assets). However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to or modify this drawing 15 to omit a loan account opening system configuration that omits the method of storing the loan account management electronic document in the electronic document repository. In addition, in the case where the loan account management electronic document is stored in the electronic document repository, the electronic document repository is provided in a DBMS located in the loan account opening system in addition to the implementation method shown in FIG. 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.

In addition, as shown in FIG. 15, in the method of generating the loan account management electronic document, the loan account management electronic document corresponding to the loan account application is generated on the server side on the loan account opening system. Although the present invention is not limited thereto, the loan account management electronic document may be generated at a terminal that acquires image content corresponding to the loan account application through a predetermined image acquisition device (eg, The electronic document generating function provided on the server side is provided on the terminal side to generate the loan account management electronic document), thereby the present invention is not limited thereto.

Hereinafter, the customer opens the loan account in response to the loan account application and the loan application information prepared by the customer through a predetermined financial account opening interface on the loan account opening system shown in FIG. 15. A component corresponding to at least one or more means or functional configuration for generating a predetermined loan account management electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 1500" for convenience.

Referring to FIG. 15 according to an embodiment of the present invention, a loan account opening system for a loan associated with the customer subscription financial product (or customer holding financial asset) is provided at at least one branch of a financial institution (or a branch). And a terminal device including a window terminal. The terminal device is connected to a financial company server 1500 provided on the loan account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for a loan associated with the customer subscription financial product (or financial asset), and the window provided at the financial institution branch (branch branch). A loan application for a loan associated with the customer enrolled financial instrument (or financial asset) (or through a teller) (e.g., at least for a loan associated with the customer enrolled financial instrument (or financial asset) A document with a form for filling in one or more information items), wherein the customer may seal the customer's seal for legal purposes on the loan account application.

Subsequently, when the customer submits the completed loan account application to the counter employee, the counter employee scans the loan account application through a predetermined image acquisition device to obtain predetermined image content, and through the predetermined counter terminal, Input (or select) loan application information including at least one image content acquired in response to a loan account application and at least one of customer information, loan information, and registered financial product (or financial asset) information entered in the loan account application; In response, the window terminal preferably transmits the image content and the loan application information to the financial company server 1500 provided on the loan account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 1500 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial company server 1500 includes a branch network connecting the communication channel between the teller terminal and the financial company server 1500. It is preferable to make it.

In the loan account opening system as described above, an image acquiring device for acquiring image contents corresponding to the loan account application prepared by the customer, a window terminal used by the employee and the window terminal and the financial company server 1500 are connected. The financial network may perform a function of a financial account opening interface for the customer to register loan application information for a loan associated with the customer affiliated financial product (or financial asset).

The storage medium 1570 provided on the loan account opening system according to the present invention includes at least the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information provided from the terminal device. It characterized in that for storing the loan account management information including one or more.

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

Preferably, the loan information includes at least one loan period, loan amount, loan interest rate, loan repayment period, etc. desired by the customer.

The subscribing financial product (or financial asset) information may include at least financial product information or financial asset information that can be linked and loaned by credit insurance agreement information concluded between the bank and the insurance company through the information registration system shown in FIG. 1 or 3. It is preferable to include one or more.

According to an exemplary embodiment of the present invention, the storage medium 1570 may be provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system). The storage medium 1570 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1570 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial institution server 1500 provided on the loan account opening system according to the present invention is a generic term for the components of the loan account opening system connected to the terminal device through a predetermined financial network, and includes at least one server (or device). Or at least one program recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the financial institution server 1500 is a ledger server provided on a financial system connected to the teller terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial institution server 1500 may include an interface unit 1505 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 1505 may establish a predetermined communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 15, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 1500 through the interface unit 1505, the financial institution server 1500 may include the customer subscription financial product (or Acquires the image contents corresponding to the loan account application prepared by the customer through a predetermined image acquisition device provided in the terminal device for loans associated with the customer's financial assets), and loan application information corresponding to the loan account application. Generate (or extract) at least one user interface for inputting (or selecting) to the financial institution server 1500, and generating the generated (or extracted) user interface in conjunction with the interface unit 1505. Interface providing unit 1510 provided to a terminal device, and the loan account application through the user interface in the terminal device An information receiver 1515 for receiving the loan application information transmitted from the terminal device in association with the interface unit 1505 when the corresponding loan application information is input (or selected) and transmitted; Obtaining and transmitting image contents corresponding to the loan account application written by the customer through a predetermined image acquisition device based on an interface, in connection with the interface unit 1505 to receive image contents corresponding to the loan account application. It is characterized by comprising an image receiving unit 1520.

The interface providing unit 1510 connects a predetermined communication channel with the financial institution server 1500 through the interface unit 1505 and then connects the customer subscription financial product to the financial institution server 1500. Requesting a user interface for a loan associated with a financial asset), acquires image contents corresponding to the loan account application prepared by the customer through a predetermined image acquisition device provided in the terminal device, and corresponds to the loan account application. Input (or select) the loan application information to generate at least one user interface for transmitting to the financial institution server 1500 through the financial network, or extracted from a predetermined database (not shown), the interface unit ( In operation 1505, the generated (or extracted) user interface is transferred to the terminal device through the financial network. Characterized in that the ball.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the loan account application written by the customer through a predetermined image acquisition device, and inputs (or selects) loan application information corresponding to the loan account application. If a predetermined information registration program having at least one user interface for transmitting to the financial institution server 1500 through the financial network is provided, the loan created by the customer through the predetermined image acquisition device as described above Obtaining image content corresponding to the account application form, generating (or extracting) a user interface for inputting (or selecting) loan application information corresponding to the loan account application to the financial institution server 1500 and generating (or extracting) the terminal device The interface providing unit 1510 may be omitted. The present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the user interface. The loan application information is transmitted to the financial institution server 1500 through the financial network. In response, the information receiving unit 1515 transmits the loan application information transmitted from the terminal device in association with the interface unit 1505. It is characterized by receiving.

In addition, the terminal device obtains the image content corresponding to the loan account 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 to the financial company server ( 1500, and in response, the image receiving unit 1520 receives image contents corresponding to the loan account application in connection with the interface unit 1505.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the loan account application written by the customer through a predetermined image acquisition device, and stores the predetermined contents provided in the terminal device (or associated). If the device is previously stored in the device, the terminal device selects the image content corresponding to the loan account application created by the customer from the at least one or more image contents previously stored in the storage device through the user interface, and the financial company through the financial network. The image receiving unit 1520 receives the image contents corresponding to the loan account application in association with the interface unit 1505.

According to another exemplary embodiment of the present invention, when the terminal device transmits the image contents corresponding to the loan account application written by the customer and the loan application information corresponding to the loan account application through the user interface, the information is provided. The receiver 1515 may receive image content corresponding to the loan account application and loan application information together with the interface unit 1505 (eg, the image receiver 1520 to the information receiver 1515). Integrated operation), whereby the present invention is not limited.

Referring to FIG. 15, when the loan request information transmitted from the terminal device is received through the information receiving unit 1515, the financial institution server 1500 receives the loan request information from the customer subscription financial product (or finance). And a validity verification unit 1525 for verifying whether or not to satisfy the validity for the loan associated with the asset).

According to an embodiment of the present invention, the validity of the loan application information is checked whether at least one ledger information matching the loan application information is registered in the ledger D / B on the financial system linked to the loan account opening system. It is preferable that it consists of including.

For example, the validity of the loan application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the loan application information on the ledger D / B on the financial system linked to the loan account opening system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the loan application information is the subscription financial product (or financial asset) information included in the loan application information to the storage medium 1570 through the information registration system shown in FIG. It is preferable to include checking whether the linked loans based on the stored insurance and credit insurance agreement information between the insurance company and the insurance company is possible financial product information or financial asset information.

Referring to FIG. 15, after the validity of the loan application information is authenticated, the financial institution server 1500 compares the loan information included in the loan application information with the loan details provided to the customer to check whether the loan is possible. It is preferable to include the information check unit 1530 to determine.

According to the method of the present invention, the information checking unit 1530 checks the subscription financial product (or financial asset) information included in the loan application information of the customer, and the confirmed customer subscription financial product (or financial asset) It is characterized by determining whether the loan is possible based on the payment amount, subscription period, and the like.

For example, if the payment amount of the fund subscribed to by the customer is less than the loan threshold (eg, may be included in the credit insurance agreement information), or if the subscription period is less than the loanable period, the loan of the customer is not made. Will not.

Referring to FIG. 15, the financial institution server 1500 receives the image content transmitted from the terminal device through the image receiving unit 1520, and validates the loan application information through the validity checking unit 1525. The electronic document generation unit 1535 for generating a predetermined loan account management electronic document including the received image content is determined, and if it is determined whether the loan is possible through the information checking unit 1530. It is characterized in that it comprises an electronic document transmission unit (1540) for transmitting the electronic loan document management electronic document storage linked to the loan account opening system.

The electronic document generation unit 1535 generates a loan account management electronic document including the image content received from the terminal device through the image receiving unit 1520.

According to an exemplary embodiment of the present invention, the electronic document generation unit 1535 stores the image file including the image content received from the terminal device through the image receiving unit 1520 as it is (eg, the customer subscription financial product). It is preferable to process the loan account management electronic document for the loan linked to the financial asset.

Alternatively, the electronic document generating unit 1535 may include customer information and loan information included in the loan application information received through the information receiving unit 1515 in the image content received from the terminal device through the image receiving unit 1520. A loan for the loan associated with the customer subscription financial product (or financial asset), the image file corresponding to the image content including at least one or more information of subscription financial product (or financial asset) information in a watermarking manner; It is desirable to create an account management electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1535 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 1520. A customer subscription financial product (or finance) by generating a Format (P 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 an MHT. It is desirable to create a loan account management electronic document for the loan associated with the asset.

Alternatively, the electronic document generating unit 1535 may include customer information and loan information included in the loan application information received through the information receiving unit 1515 in the image content received from the terminal device through the image receiving unit 1520. And generating image content including at least one or more information of subscription financial product (or financial asset) information by a watermarking method, and a predetermined document file (for example, PDF (Portable Document) including the generated image content). A customer subscription financial product (or finance) by generating a Format (P 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 an MHT. It is desirable to create a loan account management electronic document for the loan associated with the asset.

According to another embodiment of the present invention, the electronic document generation unit 1535 is the loan application received through the image content and the information receiving unit 1515 received from the terminal device through the image receiving unit 1520. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is desirable to generate a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset).

Alternatively, the electronic document generating unit 1535 may include customer information and loan information included in the loan application information received through the information receiving unit 1515 in the image content received from the terminal device through the image receiving unit 1520. And generating image content including at least one or more information of subscription financial product (or financial asset) information by a watermarking method, and a predetermined document file including the generated image content and the loan application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create a loan account management electronic document for a loan associated with a financial instrument (or financial asset).

Those skilled in the art to which the present invention pertains, technical features that the electronic document generation unit 1535 generates a loan account management electronic document in the image file format or a predetermined document file format, and the loan account management Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 1540 transmits and stores the loan account management electronic document generated by the electronic document generation unit 1535 to a predetermined electronic document repository associated with the loan account opening system. .

As shown in FIG. 15, the electronic document repository includes an electronic document D / B and a predetermined electronic document server 1575 associated with a financial company server 1500 on the loan account opening system through predetermined communication means. When provided outside, the electronic document transmission unit 1540 transmits the loan account management electronic document generated by the electronic document generation unit 1535 to the electronic document server 1575 through the communication means. It features.

In this case, when the electronic document server 1575 and the electronic document D / B are provided outside the loan account opening system, the electronic document server 1575 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan account opening system, the electronic document transmission unit 1540 generates the electronic document generation unit 1535. The loan account management electronic document can be stored in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the loan account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 1540 may provide electronic document related information (eg, a loan account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 1575. It is possible to transmit to the electronic document repository further comprising the customer information, the financial institution information, or the electronic document file format information, or the loan application information for transmitting the loan account management electronic document, etc. The present invention is not limited by this.

Referring to FIG. 15, the financial institution server 1500 may include loan application information received through the information receiving unit 1515 in association with the customer subscription financial product (or financial asset) through the validity checking unit 1525. When the validity for the authentication is authenticated, the information generating unit 1545 for generating the financial account information based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information is validated And an account opening unit 1550 for opening and processing a financial account of the customer's name including the financial account information.

When the validity of the loan application information is confirmed by the validity confirmation unit 1525, and it is determined that the loan is possible through the information confirmation unit 1530, the information generation unit 1545 is included in the loan application information. The financial account information is generated based on customer information, loan information, and subscribed financial product (or financial asset) information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the loan account opened based on the loan application information, if the loan account includes the savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

According to the method of the present invention, if the information generation unit 1545 is confirmed the validity of the loan application information by the validity confirmation unit 1525, and it is determined that the loan is possible through the information confirmation unit 1530 In accordance with the credit insurance agreement information stored in the storage medium 1570, it is characterized in that for generating credit insurance subscription information for credit insurance subscription of the loan application customer.

The credit insurance subscription information is an automatic insurance subscription information corresponding to a customer / loan limit according to the credit insurance agreement information to a customer who wants to obtain a loan associated with the customer's affiliated financial product (or customer-owned financial asset). Insurance amount information, insurance premium payment information, and the like).

The account opening unit 1550 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and is provided). After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the customer subscription financial product (or And a predetermined financial account for the loan associated with the financial asset).

According to an embodiment of the present invention, when the financial company server 1500 and the financial system exist in the same system, the account opening unit 1550 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 1500 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 1550 may perform the communication through the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 15, the financial institution server 1500 may include loan application information received through the information receiving unit 1515 in association with the customer subscription financial product (or financial asset) through the validity checking unit 1525. If the validity is verified for the loan, and it is determined that the loan is possible through the information checking unit 1530, the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information for which the validity is verified And an information storage unit 1565 for storing loan account management information including at least one of the above information in a predetermined storage medium 1570.

When the validity of the loan application information is confirmed by the validity confirmation unit 1525, and whether the loan is possible through the information confirmation unit 1530, the information storage unit 1565 is included in the loan application information. And storing the loan account management information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information in the storage medium 1570.

According to an exemplary embodiment of the present invention, when the storage medium 1570 is provided in the financial company server 1500 or on a network connected to the financial company server 1500, the information storage unit 1565 may be used. Preferably, the storage medium 1570 stores loan account management information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information included in the received loan application information.

According to another exemplary embodiment of the present invention, when the storage medium 1570 is provided in a DBMS provided on a financial system, the information storage unit 1565 includes the customer information and the loan included in the received loan application information. It is preferable to provide loan account management information including at least one information, subscription financial product (or financial asset) information to an information system through an external system on the financial system, and store the information in a DBMS provided on the financial system.

Referring to FIG. 15, the financial company server 1500 may automatically process a credit insurance subscription of the loan application customer by interworking with an insurance company based on the credit insurance subscription information generated by the information generator 1545 ( It may be configured to further include a 1555, the insurance processing details through the insurance processing unit 1555 is preferably stored through the storage medium 1570.

In addition, the financial company server 1500, the loan processing unit for depositing the loan amount to the loan account opened through the account opening unit 1550 based on the credit insurance subscription information generated through the information generation unit 1545. 1560 may be configured to further include.

Referring to FIG. 15, an electronic document server 1575 that receives a predetermined loan account management electronic document from the financial institution server 1500 provided on the loan account opening system and stores and manages the predetermined electronic document D / B in a predetermined electronic document D / B. An electronic document receiving unit 1580 for receiving a predetermined loan account management electronic document from the financial institution server 1500 through a predetermined communication means and storing the received loan account management electronic document in the electronic document D / B. An information generation unit 1585 for generating predetermined electronic document management information for managing the electronic document, and storing the electronic document management information and the loan account management electronic document in a predetermined electronic document D / B. It is characterized by comprising a portion 1590.

The electronic document receiver 1580 may receive a loan account management electronic document in the form of an image file or a document file from the financial institution server 1500 through the communication means.

According to an embodiment of the present invention, the loan account management electronic document received by the electronic document receiving unit 1580 through the communication means is an image file including the image content received by the financial institution server 1500 from the terminal device. It is preferable to include as it is.

Alternatively, the loan account management electronic document received by the electronic document receiving unit 1580 through the communication means may include customer information included in the loan application information in the image content received by the financial institution server 1500 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the loan information, subscription financial product (or financial asset) information by a watermarking method.

According to another embodiment of the present invention, the loan account management electronic document received by the electronic document receiving unit 1580 through the communication means includes a predetermined image content that the financial institution server 1500 receives from the terminal device. 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) It is preferable to make it.

Alternatively, the loan account management electronic document received by the electronic document receiver 1580 through the communication means may include customer information included in the loan application information in the image content received by the financial institution server 1500 from the terminal device; A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (e.g., a Portable Document Format) file containing image content including at least one or more of loan information, subscription financial product (or financial asset) information in a watermarking manner). Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the loan account management electronic document received by the electronic document receiving unit 1580 through the communication means is the image content and the loan that the financial company server 1500 received from the terminal device. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. Document files).

Alternatively, the loan account management electronic document received by the electronic document receiving unit 1580 through the communication means may include customer information and loan included in the loan application information in the image content received by the financial institution server 1500 from the terminal device. Image content including at least one or more of information, subscription financial product (or financial asset) information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF)) containing the loan application information. 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.

The information generating unit 1585 is a predetermined electronic document unique number (or unique information) to be assigned to the loan account management electronic document received through the electronic document receiving unit 1580, and through the electronic document receiving unit 1580 And generating electronic document management information including electronic document storage date and time information including a date and time when the loan account management electronic document is received (or a date and time at which the loan account management electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 1585 refers to the financial institution server 1500 that transmits the loan account management electronic document received through the electronic document receiving unit 1580, and the loan account management electronics. It is preferable to identify the financial institution that has sent the document, and 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 1580 further receives a predetermined electronic document related information from the financial company server 1500, the information generating unit 1585 is the received electronic The document-related information (e.g., customer information for preparing a loan account application corresponding to the image content, financial institution information for transmitting the loan account management electronic document, electronic document file format information, or the loan application information, etc.) is further added. It is preferable to generate electronic document management information that includes.

The electronic document storage unit 1590 associates the loan account management electronic document received through the electronic document receiving unit 1580 with the electronic document management information generated through the information generating unit 1585 to process a predetermined electronic document D. It stores in / B.

According to the exemplary embodiment of the present invention, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 1590 includes image content received by the financial institution server 1500 from the terminal device. It is preferable that the image file is included as it is.

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 1590 may be included in the loan application information in the image content received by the financial institution server 1500 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of customer information, loan information, subscription financial product (or financial asset) information by a watermarking method.

According to another exemplary embodiment of the present invention, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 1590 may include image content received by the financial institution server 1500 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 1590 is a customer included in the loan application information in the image content received by the financial institution server 1500 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file) containing image content including at least one or more of information, loan information, and subscription financial product (or financial asset) information in a watermarking manner, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 1590 is an image content received by the financial institution server 1500 from the terminal device. And 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 the loan application information, or an MHT. Web document files, etc.) to be included.

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 1590 is a customer included in the loan application information in the image content received by the financial institution server 1500 from the terminal device. Image content including at least one or more of information, loan information, subscription financial product (or financial asset) information by a watermarking method, and a predetermined document file (eg, PDF (Portable Document) including the loan application 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).

According to the method of the present invention, the electronic document management information, which is stored in the electronic document D / B by the electronic document storage unit 1590 in association with the loan account management electronic document, is allocated to the loan account management electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) 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 by the electronic document storage unit 1590 in association with the loan account management electronic document is stored in the loan account electronic document. It is preferable that the financial institution server 1500 further includes information on the financial institution that has transmitted the loan account management electronic document confirmed with reference.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 1500, the electronic document storage unit 1590 processes the electronic document by linking with the loan account electronic document. The electronic document management information stored in the document D / B may include the received electronic document related information (for example, customer information for which a loan account application corresponding to the image content is prepared, or financial institution information for transmitting the loan account management electronic document). Or electronic document file format information, or the loan application information).

16 is a diagram illustrating an implementation method in which a storage medium 1570 for storing loan account management information corresponding to a loan account opened in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, in FIG. 16, when the storage medium 1570 shown in FIG. 15 is the ledger D / B provided in the DBMS on the financial system, or the ledger D / B, it is provided in the ledger D / B. The information structure for one embodiment of the loan account management information is stored in the ledger information, and if the person having ordinary knowledge in the technical field to which the present invention pertains, refer to or modify this drawing 16 to the ledger D. Various information configuration methods for storing the loan account management information in / B 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 Figure 16 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is linked to a predetermined customer ledger, the customer ledger, and the loan shown in Figure 15 The account ledger corresponding to the financial account opened through the account opening system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, the financial The ledger D / B provided in the DBMS on the system maintains at least one ledger (eg, a ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for management is included, and that the technical details of Since there will be, a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked 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 reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, 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.

According to an exemplary embodiment of the present invention, the storage medium 1570 is the ledger D / B, or includes the implementation method provided in the ledger D / B. Store loan account management information including at least one of the customer information, loan information, and subscription financial products (or financial assets) information included in the loan application information provided through the account opening system in the form of additional information added to the account ledger. It is characterized by.

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

Preferably, the loan information includes at least one loan period, loan amount, loan interest rate, loan repayment period, etc. desired by the customer.

The subscribing financial product (or financial asset) information may include at least financial product information or financial asset information that can be linked and loaned by credit insurance agreement information concluded between the bank and the insurance company through the information registration system shown in FIG. 1 or 3. It is preferable to include one or more.

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

FIG. 17 is a database linked to a ledger D / B equipped with a storage medium 1570 for storing loan account management information corresponding to a loan account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on a financial system. Figure is a diagram showing an implementation method comprising a.

In more detail, FIG. 17 illustrates an information structure for an embodiment in which the storage medium 1570 illustrated in FIG. 15 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As one having ordinary skill in the art to which the present invention pertains, various information configuration methods for storing the loan account management information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 17. It may be inferred that, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 17, when it is not easy to store the loan account management information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the loan account management information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 17 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 17, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 17, in which the storage medium 1570 includes a database associated with a ledger D / B provided in a DBMS on a financial system, the database is included in the loan application information. And store the loan account management information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information, wherein the loan account management information is processed in association with the ledger D / B. It is preferable that the loan account management information further comprises a CIF number corresponding to the ledger information.

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

Preferably, the loan information includes at least one loan period, loan amount, loan interest rate, loan repayment period, etc. desired by the customer.

The subscribing financial product (or financial asset) information may include at least financial product information or financial asset information that can be linked and loaned by credit insurance agreement information concluded between the bank and the insurance company through the information registration system shown in FIG. 1 or 3. It is preferable to include one or more.

FIG. 18 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 1570 for storing loan account management information corresponding to a loan account opened in a face-to-face manner according to another embodiment of the present invention. Drawing.

More specifically, FIG. 18 shows a DBMS in which a storage medium 1570 shown in FIG. 15 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, a loan account stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 18. Although it is possible to infer a method of constructing information on management information, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 18 in which the storage medium 1570 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is included in the loan application information. Characterized in that for storing loan account management information including at least one of the customer information, loan information, subscription financial products (or financial assets) information.

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

Preferably, the loan information includes at least one loan period, loan amount, loan interest rate, loan repayment period, etc. desired by the customer.

The subscribing financial product (or financial asset) information may include at least financial product information or financial asset information that can be linked and loaned by credit insurance agreement information concluded between the bank and the insurance company through the information registration system shown in FIG. 1 or 3. It is preferable to include one or more.

19A and 19B illustrate a process of opening a loan account for a loan associated with a customer subscription financial product (or financial asset) in a face-to-face manner according to one embodiment of the present invention.

19a and 19b show a terminal device in which a terminal device on a loan account opening system shown in FIG. 15 is provided at a branch of a financial institution (or a branch), and the financial institution server 1500 uses a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer information, a predetermined customer opens a loan account for a loan linked to a customer subscribed financial product (or financial asset). A loan account application that includes at least one loan information and subscription financial product (or financial asset) information, and submits it, and the financial institution opens and processes the loan account in a face-to-face manner based on the loan account application. Specifically, when the customer fills out the loan account application form and submits it to the counter, the counter terminal After obtaining predetermined image contents corresponding to the loan account application through the image acquisition device and transmitting the predetermined image content to the financial company server 1500, the loan application information corresponding to the loan account application is input (or selected) to the financial company server. In step (1500), the financial institution server 1500 opens and processes the loan account based on the loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information. The implementation method is shown.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for registering the loan application information with the financial company server 1500 at the window terminal by referring to or modifying the drawings 19a and 19b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 19A and 19B.

For example, although the implementation method shown in FIGS. 19A and 19B includes a process of generating a predetermined electronic document corresponding to the loan account application and storing it in an electronic document repository, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 19A and 19B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the loan account application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) loan application information corresponding to the loan account application is illustrated as being provided from the financial institution server 1500. However, when a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the financial institution server 1500, and thus the present invention is not limited thereto.

In the following figures 19a and 19b, the teller terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the financial institution server 1500 shown in FIG. 15 is referred to as "server" for convenience.

19A and 19B, a predetermined customer includes at least one of customer information, loan information, and subscribed financial product (or financial asset) information for a loan associated with a customer subscribed financial product (or financial asset). When the account application form is completed and submitted, the teller terminal shown in FIG. 15 connects to the server through a predetermined financial network and connects a predetermined communication channel to the customer subscription financial product corresponding to the loan account application (or When requesting a user interface for a loan associated with a financial asset (1900), the server acquires predetermined image contents corresponding to the loan account application prepared by the customer through a predetermined image acquisition device in the terminal. Generate (or extract) a user interface for transmission to the server (1905), and generate (or add) through the financial network ) And it transmits the output to the user interface to the mobile station (1910).

Thereafter, the terminal acquires image contents corresponding to the loan account application through a predetermined image obtaining apparatus based on the user interface (1915).

If image content corresponding to the loan account application is obtained through the image acquisition device (1920), the terminal transmits the acquired image content to the server through the financial network (1925).

Thereafter, the server inputs (or selects) loan application information including at least one of customer information, loan information, and subscribed financial product (or financial asset) information corresponding to the loan account application matching the image content. A user interface for transmitting to the terminal is generated (or extracted) (1930), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1935).

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the user interface (1940).

If the loan application information including at least one or more of the customer information, loan information, subscription financial product (or financial asset) information is input (or selected) through the user interface (w45), the terminal is connected through the financial network. The loan application information input (or selected) is transmitted to the server (1950).

Thereafter, the server receives and reads loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the financial network to confirm the validity of the loan application information. (1955).

According to an embodiment of the present invention, the validity of the loan application information is checked whether at least one ledger information matching the loan application information is registered in the ledger D / B on the financial system linked to the loan account opening system. It is preferable that it consists of including.

For example, the validity of the loan application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the loan application information on the ledger D / B on the financial system linked to the loan account opening system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the loan application information is the subscription financial product (or financial asset) information included in the loan application information to the storage medium 1570 through the information registration system shown in FIG. It is preferable to include checking whether the linked loans based on the stored insurance and credit insurance agreement information between the insurance company and the insurance company is possible financial product information or financial asset information.

If the validity of the loan application information is not authenticated (1960), the server generates predetermined financial account error information and transmits it to the terminal (1965), and performs a loan account opening procedure corresponding to the loan application information. I never do that.

On the other hand, if the validity of the loan application information is authenticated (1960), the server determines whether the loan is possible based on the credit insurance agreement information stored in the storage medium (1570) (1970).

According to the implementation method of the present invention, after the validity of the loan application information is authenticated, the server compares the loan information included in the loan application information with the loan details provided to the customer to determine whether the loan is possible. It is preferable.

According to an embodiment of the present invention, the server checks the subscription financial product (or financial asset) information included in the loan application information of the customer, and the payment amount corresponding to the confirmed customer subscription financial product (or financial asset). It is characterized by determining whether the loan is possible based on the subscription period.

For example, if the payment amount of the fund subscribed to by the customer is less than the loan threshold (eg, may be included in the credit insurance agreement information), or if the subscription period is less than the loanable period, the loan of the customer is not made. Will not.

If it is determined that the loan requested by the customer is possible (1975), the server generates a predetermined loan account management electronic document including the image content (1980).

According to an exemplary embodiment of the present invention, the server converts an image file including the image content received from the terminal device into a loan account management electronic document for a loan linked to the customer subscription financial product (or financial asset). It is preferable to process.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. It is preferable to generate a loan account management electronic document for the loan associated with the customer subscription financial products (or financial assets) of the image file corresponding to the image content to include in a manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one HWP / DOC, or a web document file including the MHT, etc.), the loan account management electronic document for the loan associated with the customer subscription financial products (or financial assets) It is desirable to produce.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. Generating at least one image content 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. By generating a word processor file or a web document file including the MHT, etc.), it is preferable to generate a loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI file) including the image content received from the terminal device and the received loan application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a loan associated with the customer subscription financial product (or financial asset). It is desirable to create a loan account management electronic document for the company.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. Generating an image content including the image content; and a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) including the generated image content and the loan application information. Generating a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset) by generating a word processor file including at least one or more DOC, or a web document file including an MHT. It is preferable.

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

Thereafter, the server stores the generated loan account management electronic document in a predetermined electronic document repository (1985).

As shown in FIG. 15, the electronic document storage is provided externally including a predetermined electronic document server 1575 and an electronic document D / B linked to a server on the loan account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated loan account management electronic document to the electronic document server 1575 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan account opening system, the server corresponds to the electronic document storage on the DBMS provided in the loan account opening system. It is possible to store in the electronic document D / B, thereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan account management electronic document in the electronic document storage is performed by linking the generated loan account management electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 15. It is preferable to include storing in the document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a loan account application corresponding to the image content is prepared, financial institution information for transmitting the loan account management electronic document, or electronic document file format). Information, or the loan application information).

If the loan account management electronic document is stored in the electronic document repository (1990), the server is the loan account based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information Generate information (1991).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the loan account opened based on the loan application information, if the loan account includes the savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information including the financial account information of the loan account of the customer name (1992).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or matches a customer ledger provided 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, thereby registering the customer in response to the loan application information. It is characterized in that the opening of a predetermined financial account for the loan associated with the financial product (or financial asset).

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates loan account management information including at least one or more of the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information, and stores the loan account management information in a predetermined storage medium 1570. (1993)

In addition, the server generates the credit insurance subscription information based on the customer information, loan information, subscription financial products (or financial assets) information and credit insurance agreement information included in the loan application information, the storage medium (1570) Save (1994).

The credit insurance subscription information is an automatic insurance subscription information corresponding to a customer / loan limit according to the credit insurance agreement information to a customer who wants to obtain a loan associated with the customer's affiliated financial product (or customer-owned financial asset). Insurance amount information, insurance premium payment information, and the like).

According to an exemplary embodiment of the present invention, when the storage medium 1570 is provided in the server or on a network connected to the server, the server includes the customer information and the loan included in the received loan application information. It is preferable to store the loan account management information in the storage medium 1570 including at least one information, subscription financial product (or financial asset) information.

According to another exemplary embodiment of the present invention, when the storage medium 1570 is provided in a DBMS provided on a financial system, the server includes the customer information, loan information, and subscription financial product included in the received loan application information. It is preferable to provide loan account management information including at least one (or financial asset) information to the information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

The server processes the automatic insurance subscription of the loan application customer through the generated credit insurance subscription information and performs a loan to the opened loan account (1995).

Thereafter, the server may provide predetermined loan account opening history information (for example, the loan account opening history, or details of storing the loan account management electronic document in the electronic document repository, or the loan application information in the storage medium 1570). And (e.g., a loan payment processing history to the opened loan account) are generated (or extracted) and transmitted to the terminal (1996).

According to an exemplary embodiment of the present invention, the storage medium 1570 may be provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system). The storage medium 1570 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1570 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

20A and 20B illustrate a process of opening a loan account for a loan linked to a customer subscription financial product (or financial asset) in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 20A and 20B are window terminals in which a terminal device on a loan account opening system shown in FIG. 15 is provided at a branch of a financial institution (or a branch), and the financial institution server 1500 uses a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer information, a predetermined customer opens a loan account for a loan linked to a customer subscribed financial product (or financial asset). A loan account application that includes at least one loan information and subscription financial product (or financial asset) information, and submits it, and the financial institution opens and processes the loan account in a face-to-face manner based on the loan account application. In detail, when the customer completes the loan account application form and submits it to the counter, the counter terminal After inputting (or selecting) loan application information corresponding to an opening account application and transmitting it to the financial institution server 1500, a predetermined image obtaining apparatus acquires predetermined image content corresponding to the loan account application and then the financial institution. When the transfer to the server 1500, the financial institution server 1500 opens the loan account based on the loan application information that includes at least one of the customer information, loan information, subscription financial products (or financial assets) information It shows an implementation method.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for registering the loan application information with the financial company server 1500 at the window terminal by referring to or modifying the drawings 20a and 20b. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 20A and 20B.

For example, although the implementation method shown in FIGS. 20A and 20B includes a process of generating a predetermined electronic document corresponding to the loan account application and storing it in an electronic document storage, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 20A and 20B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the loan account application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) loan application information corresponding to the loan account application is illustrated as being provided from the financial institution server 1500. However, when a predetermined information registration program is provided in the counter terminal, The user interface may not be provided from the financial institution server 1500, and thus the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 15 in FIG. 20A and FIG. 20B will be referred to as "terminal" for convenience, and the financial company server 1500 shown in FIG. 15 will be referred to as "server" for convenience. The customer information, loan information, and subscribed financial product (or financial asset) information transmitted to the financial company server 1500 is referred to as "loan application information" for convenience.

Referring to FIGS. 20A and 20B, a predetermined customer includes at least one of customer information, loan information, and subscribed financial product (or financial asset) information for a loan associated with a customer subscribed financial product (or financial asset). When the account application form is completed and submitted, the teller terminal shown in FIG. 15 connects to the server through a predetermined financial network and connects a predetermined communication channel to the customer subscription financial product corresponding to the loan account application (or When requesting a user interface for a loan associated with a financial asset (2000), in response, the server provides customer information, loan information, subscription financial product (or financial asset) information corresponding to the loan account application prepared by the customer. Generate (or extract) a user interface for inputting (or selecting) loan application information including at least one or more to be transmitted to the server (20) 05) and transmits the generated (or extracted) user interface to the terminal through the financial network (2010).

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the user interface (2015).

If the loan application information including at least one of the customer information, loan information, subscription financial product (or financial asset) information is input (or selected) through the user interface (2020), the terminal is connected to the financial network. The loan application information input (or selected) is transmitted to the server (2025).

Thereafter, the server receives and reads loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the financial network to confirm the validity of the loan application information. (2030).

According to an embodiment of the present invention, the validity of the loan application information is checked whether at least one ledger information matching the loan application information is registered in the ledger D / B on the financial system linked to the loan account opening system. It is preferable that it consists of including.

For example, the validity of the loan application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the loan application information on the ledger D / B on the financial system linked to the loan account opening system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the loan application information is the subscription financial product (or financial asset) information included in the loan application information to the storage medium 1570 through the information registration system shown in FIG. It is preferable to include checking whether the linked loans based on the stored insurance and credit insurance agreement information between the insurance company and the insurance company is possible financial product information or financial asset information.

If the validity of the loan application information is not authenticated (2035), the server generates predetermined financial account error information and transmits it to the terminal (2040), and performs a loan account opening procedure corresponding to the loan application information. I never do that.

On the other hand, if the validity of the loan application information is authenticated (2035), the server determines whether the loan is possible based on the credit insurance agreement information stored in the storage medium (1570) (2045).

According to the implementation method of the present invention, after the validity of the loan application information is authenticated, the server compares the loan information included in the loan application information with the loan details provided to the customer to determine whether the loan is possible. It is characterized by.

In addition, according to an embodiment of the present invention, the server checks the subscription financial product (or financial asset) information included in the loan application information of the customer, and corresponds to the confirmed customer subscription financial product (or financial asset) It is characterized by determining whether the loan is possible on the basis of the payment amount, the subscription period.

For example, if the payment amount of the fund subscribed to by the customer is less than the loan threshold (eg, may be included in the credit insurance agreement information), or if the subscription period is less than the loanable period, the loan of the customer is not made. Will not.

If a loan associated with the customer's subscribed financial product is available (2050), the server acquires predetermined image contents corresponding to the loan account application written by the customer through a predetermined image acquisition device in the terminal. A user interface for transmitting to the server is generated (or extracted) (2055), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (2060) and output.

Thereafter, the terminal acquires image content corresponding to the loan account application through a predetermined image acquisition device based on the user interface in operation 2065.

If image content corresponding to the loan account application is obtained through the image acquisition device (2070), the terminal transmits the acquired image content to the server through the financial network (2075).

The server receiving the loan application information and the image content from the terminal generates a predetermined loan account management electronic document including the image content (2080).

According to an exemplary embodiment of the present invention, the server converts an image file including the image content received from the terminal device into a loan account management electronic document for a loan linked to the customer subscription financial product (or financial asset). It is preferable to process.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. It is preferable to generate a loan account management electronic document for the loan associated with the customer subscription financial products (or financial assets) of the image file corresponding to the image content to include in a manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one HWP / DOC, or a web document file including the MHT, etc.), the loan account management electronic document for the loan associated with the customer subscription financial products (or financial assets) It is desirable to produce.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. Generating at least one image content 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. By generating a word processor file or a web document file including the MHT, etc.), it is preferable to generate a loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI file) including the image content received from the terminal device and the received loan application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a loan associated with the customer subscription financial product (or financial asset). It is desirable to create a loan account management electronic document for the company.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. Generating an image content including the image content; and a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) including the generated image content and the loan application information. Generating a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset) by generating a word processor file including at least one or more DOC, or a web document file including an MHT. It is preferable.

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

Thereafter, the server stores the generated loan account management electronic document in a predetermined electronic document storage (2085).

As shown in FIG. 15, the electronic document storage is provided externally including a predetermined electronic document server 1575 and an electronic document D / B associated with a server on the loan account opening system through predetermined communication means. In this case, the server preferably transmits the generated loan account management electronic document to the electronic document server 1575 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan account opening system, the server corresponds to the electronic document storage on the DBMS provided in the loan account opening system. It is possible to store in the electronic document D / B, thereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan account management electronic document in the electronic document storage is performed by linking the generated loan account management electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 15. It is preferable to include storing in the document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a loan account application corresponding to the image content is prepared, financial institution information for transmitting the loan account management electronic document, or electronic document file format). Information, or the loan application information).

If the loan account management electronic document is stored in the electronic document repository (2090), the server based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information, the loan account Generate information (2091).

Here, the loan account information preferably comprises an account number and an interest rate information corresponding to the loan account opened based on the loan application information, if the loan account includes the savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system to finance the customer's name including the financial account information based on the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information. The account is opened (2092).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (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 loan application information. It is characterized by opening a predetermined financial account for the loan associated with the product (or financial asset).

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates loan account management information including at least one or more of the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information, and stores the loan account management information in a predetermined storage medium 1570. (2093)

According to an exemplary embodiment of the present invention, when the storage medium 1570 is provided in the server or on a network connected to the server, the server includes the customer information and the loan included in the received loan application information. It is preferable to store the loan account management information in the storage medium 1570 including at least one information, subscription financial product (or financial asset) information.

According to another exemplary embodiment of the present invention, when the storage medium 1570 is provided in a DBMS provided on a financial system, the server includes the customer information, loan information, and subscription financial product included in the received loan application information. It is preferable that the loan account management information including at least one or more financial asset information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

In addition, the server generates the credit insurance subscription information based on the customer information, loan information, subscription financial products (or financial assets) information and credit insurance agreement information included in the loan application information, the storage medium (1570) Save (2094).

The credit insurance subscription information is an automatic insurance subscription information corresponding to a customer / loan limit according to the credit insurance agreement information to a customer who wants to obtain a loan associated with the customer's affiliated financial product (or customer-owned financial asset). Insurance amount information, insurance premium payment information, and the like).

The server processes the automatic insurance subscription of the loan application customer through the generated credit insurance subscription information and performs a loan to the opened loan account (2095).

Thereafter, the server may provide predetermined loan account opening history information (for example, the loan account opening history, or details of storing the loan account management electronic document in the electronic document repository, or the loan application information in the storage medium 1570). The stored details) and the loan processing details (for example, the loan payment processing details to the opened loan account) are generated (or extracted) and transmitted to the terminal (2096).

According to an exemplary embodiment of the present invention, the storage medium 1570 may be provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system). The storage medium 1570 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1570 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

21A and 21B illustrate a process of opening a loan account for a loan linked to a customer subscription financial product (or financial asset) in a face-to-face manner according to another exemplary embodiment of the present invention.

More specifically, FIGS. 21A and 21B are window terminals in which a terminal device on the loan account opening system shown in FIG. 15 is provided at a branch of a financial institution (or a branch), and the financial institution server 1500 uses a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the customer information, a predetermined customer opens a loan account for a loan linked to a customer subscribed financial product (or financial asset). A loan account application that includes at least one loan information and subscription financial product (or financial asset) information, and submits it, and the financial institution opens and processes the loan account in a face-to-face manner based on the loan account application. Specifically, when the customer fills out the loan account application form and submits it to the counter, the counter terminal After obtaining a predetermined image content corresponding to the loan account application through the image acquisition device, input (or select) the loan application information corresponding to the loan account application, and the image content and the loan application information to the financial company When the transfer to the server 1500, the financial institution server 1500 opens the loan account based on the loan application information that includes at least one of the customer information, loan information, subscription financial products (or financial assets) information It shows an implementation method.

Those skilled in the art to which the present invention pertains can deduce various implementation methods for registering the loan application information with the financial company server 1500 at the window terminal by referring to or modifying the drawings 21a and 21b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 21A and 21B.

For example, although the implementation method shown in FIGS. 21A and 21B includes a process of generating a predetermined electronic document corresponding to the loan account application and storing it in an electronic document storage, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 21A and 21B including the electronic document generation and storage process, the counter terminal acquires predetermined image contents corresponding to the loan account application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) loan application information corresponding to the loan account application is illustrated as being provided from the financial institution server 1500. However, when a predetermined information registration program is provided in the counter terminal, In addition, the user interface may not be provided from the financial institution server 1500, and the present invention is not limited thereto.

Hereinafter, the window terminal shown in FIG. 15 in FIG. 21A and FIG. 21B will be referred to as a "terminal" for convenience, and the financial company server 1500 shown in FIG. 15 will be referred to as a "server" for convenience. The customer information, loan information, and subscribed financial product (or financial asset) information transmitted to the financial company server 1500 is referred to as "loan application information" for convenience.

Referring to FIGS. 21A and 21B, a predetermined customer includes at least one loan including customer information, loan information, and subscribed financial product (or financial asset) information for a loan associated with a customer subscribed financial product (or financial asset). When the account application form is completed and submitted, the teller terminal shown in FIG. 15 connects to the server through a predetermined financial network and connects a predetermined communication channel to the customer subscription financial product corresponding to the loan account application (or When requesting a user interface for a loan associated with a financial asset (2100), in response, the server inputs (or selects) loan application information corresponding to the loan account application prepared by the customer in the terminal, A user interface for acquiring predetermined image content corresponding to the loan account application through the image acquisition device and transmitting it to the server. Generating a database (or extract), and 2105, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 2110.

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan information, and subscription financial product (or financial asset) information through the user interface (2115).

If loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information is input (or selected) through the user interface (2120), the terminal is based on the user interface. In operation 2125, image contents corresponding to the loan account application are obtained through a predetermined image obtaining apparatus.

If image content corresponding to the loan account application is obtained through the image acquisition device (2130), the terminal transmits the loan application information and the image content to the server through the financial network (2135).

Thereafter, the server receives and reads loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the financial network to confirm the validity of the loan application information. (2140).

According to an embodiment of the present invention, the validity of the loan application information is checked whether at least one ledger information matching the loan application information is registered in the ledger D / B on the financial system linked to the loan account opening system. It is preferable that it consists of including.

For example, the validity of the loan application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the loan application information on the ledger D / B on the financial system linked to the loan account opening system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the loan application information is the subscription financial product (or financial asset) information included in the loan application information to the storage medium 1570 through the information registration system shown in FIG. It is preferable to include checking whether the linked loans based on the stored insurance and credit insurance agreement information between the insurance company and the insurance company is possible financial product information or financial asset information.

If the validity of the loan application information is not authenticated (2145), the server generates predetermined financial account error information and transmits it to the terminal (2150), and performs a loan account opening procedure corresponding to the loan application information. I never do that.

On the other hand, if the validity of the loan application information is authenticated (2145), the server determines whether the loan is possible based on the credit insurance agreement information stored in the storage medium (1570) (2155).

According to the implementation method of the present invention, after the validity of the loan application information is authenticated, the server compares the loan information included in the loan application information with the loan details provided to the customer to determine whether the loan is possible. It is preferable.

According to an embodiment of the present invention, the server checks the subscription financial product (or financial asset) information included in the loan application information of the customer, and the payment amount corresponding to the confirmed customer subscription financial product (or financial asset). It is characterized by determining whether the loan is possible based on the subscription period.

For example, if the payment amount of the fund subscribed to by the customer is less than the loan threshold (eg, may be included in the credit insurance agreement information), or if the subscription period is less than the loanable period, the loan of the customer is not made. Will not.

If it is determined that the loan requested by the customer is possible (2160), the server generates a predetermined loan account management electronic document including the image content (2165).

According to an exemplary embodiment of the present invention, the server converts an image file including the image content received from the terminal device into a loan account management electronic document for a loan linked to the customer subscription financial product (or financial asset). It is preferable to process.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. It is preferable to generate a loan account management electronic document for the loan associated with the customer subscription financial products (or financial assets) of the image file corresponding to the image content to include in a manner.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one HWP / DOC, or a web document file including the MHT, etc.), the loan account management electronic document for the loan associated with the customer subscription financial products (or financial assets) It is desirable to produce.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. Generating at least one image content 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. By generating a word processor file or a web document file including the MHT, etc.), it is preferable to generate a loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file or EDI file) including the image content received from the terminal device and the received loan application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby creating a loan associated with the customer subscription financial product (or financial asset). It is desirable to create a loan account management electronic document for the company.

Alternatively, the server watermarks at least one or more of customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information on the image content received from the terminal device. Generate image content including the image content, and include a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including the generated image content and the loan application information. Generate a loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset) by generating a word processor file including at least one / DOC or the like, or a web document file including the MHT. It is desirable to.

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

Thereafter, the server stores the generated loan account management electronic document in a predetermined electronic document storage (2170).

As shown in FIG. 15, the electronic document storage is provided externally including a predetermined electronic document server 1575 and an electronic document D / B associated with a server on the loan account opening system through predetermined communication means. In this case, the server preferably transmits the generated loan account management electronic document to the electronic document server 1575 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan account opening system, the server corresponds to the electronic document storage on the DBMS provided in the loan account opening system. It is possible to store in the electronic document D / B, thereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the loan account management electronic document in the electronic document storage is performed by linking the generated loan account management electronic document and predetermined electronic document management information to the electronic illustrated in FIG. 15. It is preferable to include storing in the document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a loan account application corresponding to the image content is prepared, financial institution information for transmitting the loan account management electronic document, or electronic document file format). Information, or the loan application information).

If the loan account management electronic document is stored in the electronic document storage (2175), the server based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information, the financial account Generate information (2180).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the loan account opened based on the loan application information, if the loan account includes the savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information, the financial account of the customer name including the financial account information (2185).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (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 loan application information. It is characterized by opening a predetermined financial account for the loan associated with the product (or financial asset).

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates loan account management information including at least one or more of the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information, and stores the loan account management information in a predetermined storage medium 1570. (2190)

In addition, the server generates the credit insurance subscription information based on the customer information, loan information, subscription financial products (or financial assets) information and credit insurance agreement information included in the loan application information, the storage medium (1570) Save (2195).

The credit insurance subscription information is an automatic insurance subscription information corresponding to a customer / loan limit according to the credit insurance agreement information to a customer who wants to obtain a loan associated with the customer's affiliated financial product (or customer-owned financial asset). Insurance amount information, insurance premium payment information, and the like).

According to an exemplary embodiment of the present invention, when the storage medium 1570 is provided in the server or on a network connected to the server, the server includes the customer information and the loan included in the received loan application information. It is preferable to store the loan account management information in the storage medium 1570 including at least one information, subscription financial product (or financial asset) information.

According to another exemplary embodiment of the present invention, when the storage medium 1570 is provided in a DBMS provided on a financial system, the server includes the customer information, loan information, and subscription financial product included in the received loan application information. It is preferable that the loan account management information including at least one or more financial asset information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

The server processes the auto insurance subscription of the loan application customer through the generated credit insurance subscription information and performs a loan to the opened loan account (2196).

Thereafter, the server may provide predetermined loan account opening history information (for example, the loan account opening history, or details of storing the loan account management electronic document in the electronic document repository, or the loan application information in the storage medium 1570). Storing the details) and the loan processing details (eg, the loan payment processing details to the opened loan account) are generated (or extracted) and transmitted to the terminal (2197).

According to an exemplary embodiment of the present invention, the storage medium 1570 may be provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system). The storage medium 1570 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1570 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

22 is a diagram illustrating a non-face-to-face loan account opening system for loans associated with customer financial products (or financial assets) according to another embodiment of the present invention.

More specifically, FIG. 22 shows loan application information including at least one predetermined customer information, loan information, and subscribed financial product (or financial asset) information to a given financial institution through a predetermined financial account opening interface. If so, the financial institution can make a loan corresponding to the financial product (or financial asset held by the customer) based on the loan application information through the information registration system shown in FIG. 1 or FIG. If it is determined that the loan is possible after checking based on the credit insurance agreement information stored in 2265), opening a loan account for the loan associated with the customer enrolled financial product (or financial asset) and managing the loan account As a system configuration for storing loan account management information for a predetermined storage medium 2265, the present invention belongs to One of ordinary skill in the art may refer to or modify this drawing 22 to infer various implementation methods for the construction of a loan account opening system for loans associated with customer-subscribed financial products (or financial assets). The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 22 to configure a loan account opening system, omitting the method of storing the loan account management electronic document in the electronic document repository. It can be inferred, and also in the case where the loan account management electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 22, the electronic document storage is provided in a DBMS located in the loan account opening system. 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.

In addition, according to the implementation method shown in FIG. 22, the loan account management electronic document is illustrated as being generated on the server side on the loan account opening system, but the present invention is not limited thereto. The account management electronic document may be generated on the terminal side which inputs (or selects) the loan application information and transmits the loan application information (for example, the electronic document generation function provided on the server side is provided on the terminal side. The present invention is not limited thereto.

Hereinafter, receiving the loan application information from the customer through a predetermined financial account opening interface on the loan account opening system shown in FIG. 22, allowing the customer to open the loan account, and managing the predetermined loan account corresponding thereto. A component corresponding to at least one or more means or functional configurations for generating an electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 2200" for convenience.

Referring to FIG. 22 in accordance with an embodiment of the present invention, a loan account opening system for loans associated with a customer subscription financial product (or financial asset) includes at least one wired terminal or a wireless terminal used by a customer. And a terminal device including at least one client terminal or the like, wherein the terminal device is connected to a financial company server 2200 provided on the loan account opening system through a predetermined network means. .

According to an embodiment of the present invention, the customer connects to the financial institution server 2200 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server When the loan application information for the loan associated with the customer subscription financial product (or financial asset) is input (or selected) through at least one user interface provided by the 2200, the client terminal receives a predetermined network means. It is preferable to transmit to the financial company server 2200 provided on the loan account opening 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 a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable.

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the financial institution server 2200 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the financial institution server 2200 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11 depending on the type of wireless communication network to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 2200, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 2200. (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 2200) are preferably 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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the loan account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the financial company server 2200. The customer performs a function of a financial account opening interface for registering the loan application information for the loan associated with the customer subscription financial products (or financial assets).

According to another exemplary embodiment of the present invention, the terminal device may include, in addition to the client terminal, an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network); A predetermined communication terminal further comprising a financial automation device (not shown) including a CD) or connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. (Not shown), or further comprising a predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminal (or server) (not shown) provided in the may be further included, whereby the present invention is not limited.

In the loan account opening system as described above, when the terminal device is the financial automation device (not shown), the financial automation device (not shown), the financial automation device (not shown), and the financial company server 2200. The financial network for connecting a function of the financial account opening interface for the customer to register the loan application information for the loan associated with the customer subscription financial products (or financial assets), or the terminal device is the call terminal (Not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 2200 is connected to the customer financial product (or financial asset). And a financial account opening interface for registering loan application information for loans associated with the loan) or the financial institution that is the terminal device. In the case of a terminal (or server) (not shown) provided in an established institution, a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) to the financial institution server 2200 may include: The customer performs a function of a financial account opening interface for registering loan application information for a loan associated with the customer subscribed financial product (or financial asset).

The storage medium 2265 provided on the loan account opening system according to the present invention includes at least the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information provided from the terminal device. It characterized in that for storing the loan account management information including one or more.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is the financial institution of the financial institution). At least one or more member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system associated with the loan account opening system corresponding to the customer by subscribing as a transaction customer. It is preferable to comprise.

Preferably, the loan information includes at least one loan period, loan amount, loan interest rate, loan repayment period, etc. desired by the customer.

The subscribing financial product (or financial asset) information may include at least financial product information or financial asset information that can be linked and loaned by credit insurance agreement information concluded between the bank and the insurance company through the information registration system shown in FIG. 1 or 3. It is preferable to include one or more.

According to one embodiment of the invention, the storage medium 2265 is preferably provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system), wherein The storage medium 2265 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2265 may be an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial company server 2200 provided on the loan account opening system according to the present invention is a generic term for the loan account opening system side component connected to the terminal device through a predetermined network means, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 2200 is configured on the internet banking system. A predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 2200 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the financial company server 2200 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the telebanking server (or the server (or device)), Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the financial institution server 2200 may be connected to the TV banking system. A predetermined TV banking server provided, a program provided in the TV banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the TV banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the financial company server 2200 may include an interface unit 2205 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 2205 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2205 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 2200, the interface unit 2205 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface unit 2205 may select the financial automatic device based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2205 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 2205 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 2200, the interface unit 2205 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 2205 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 2205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2205 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmit or receive 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). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 22, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 2200 through the interface unit 2205, the financial institution server 2200 may use the customer-subscribed financial instrument (or financial). Generating (or extracting) at least one user interface for inputting (or selecting) predetermined loan application information from the terminal device to the financial institution server 2200 for a loan associated with the asset); An interface providing unit 2210 for providing the generated (or extracted) user interface to the terminal device in association with 2205, and the terminal device inputs (or selects) the loan application information through the user interface; If so, the information receiving unit 2215 receives the loan application information transmitted from the terminal device in association with the interface unit 2205. Characterized in that W is made.

The interface provider 2210 connects a predetermined communication channel with the financial institution server 2200 through the interface unit 2205 and then connects the customer subscription financial product to the financial institution server 2200. Requesting a user interface for a loan associated with a financial asset), the terminal apparatus inputs (or selects) predetermined loan application information and transmits it to the financial institution server 2200 through the network means. The user interface is generated or extracted from a predetermined database (not shown), and the generated (or extracted) user interface is provided to the terminal apparatus through the network means in association with the interface unit 2205. do.

When the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network according to an embodiment of the present invention, the interface providing unit 2210 is provided as a browser program or a communication program provided in the client terminal. 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 client terminal through the interface unit 2205.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 2210 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 2205.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2210 may include a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 2205.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 2210 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 2205. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 2210 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2205.

According to another exemplary embodiment of the present invention, predetermined information including at least one user interface for inputting (or selecting) predetermined loan application information to the terminal device and transmitting the predetermined loan application information to the financial institution server 2200 through the network means. When the registration program is provided, an interface providing unit for generating (or extracting) a user interface for inputting (or selecting) predetermined loan application information and transmitting it to the financial institution server 2200 and providing it to the terminal device as described above. 2210 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the user interface. The loan application information is transmitted to the financial institution server 2200 through the network means. In response, the information receiving unit 2215 transmits the loan application information transmitted from the terminal device in association with the interface unit 2205. It is characterized by receiving.

According to the exemplary embodiment of the present invention, the terminal apparatus includes the loan application information that includes at least one of the customer information, loan information, and subscription financial product (or financial asset) information. At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator to check the validity of the information transmitted to the financial institution server 2200 through the network means It is desirable to.

According to an embodiment of the present invention, the terminal device may include at least one encryption method (eg, symmetric key-based encryption) for loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information. Method, or public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like, or by attaching a predetermined electronic signature to the loan application information through the network means through the financial means server ( It is preferable to transmit to the 2200, and for this purpose, the terminal device has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate When a certificate is provided in a predetermined IC chip (or IC card), the IC chip (or IC It DE) is provided with a card reader for identifying the certificate provided in the preferred.

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

Referring to FIG. 22, when the loan application information received from the terminal device is received through the information receiving unit 2215, the financial institution server 2200 receives the loan application information as the customer subscription financial product (or finance). And a validity confirming unit 2220 for confirming whether or not the validity for the loan associated with the asset is satisfied.

According to the embodiment of the present invention, the loan application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) When encrypted, the validity confirming unit 2220 may determine the encrypted loan application information for at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based method) corresponding to the encryption method. It is preferable to authenticate the validity of the received loan application information by decryption using a decryption method, or a key exchange based decryption method).

Alternatively, when a predetermined electronic signature is attached to the loan application information, the validity confirming unit 2220 verifies the validity of the received loan application information by checking the electronic signature attached to the loan application information. desirable.

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

When the loan application information received through the information receiving unit 2215 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the loan application information, the validity confirming unit 2220 is It is preferable to authenticate the validity of the received loan application information by comparing and authenticating a password included in the loan application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiver 2215 further includes predetermined security card information for confirming the validity of the loan application information, the validity confirmation unit 2220 may request the loan application. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the received security card information included in the information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the loan application information received through the information receiving unit 2215 further includes a predetermined OTP code for checking the validity of the loan application information, the validity confirmation unit 2220 is the loan application information. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the OTP code included in the received and OTP code generated based on the predetermined OTP generation information provided to correspond to the customer on the DBMS. Do.

According to an embodiment of the present invention, the validity of the loan application information is checked whether at least one ledger information matching the loan application information is registered in the ledger D / B on the financial system linked to the loan account opening system. It is preferable that it consists of including.

For example, the validity of the loan application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the loan application information on the ledger D / B on the financial system linked to the loan account opening system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the loan application information is that the subscription financial product (or financial asset) information included in the loan application information to the storage medium 2265 through the information registration system shown in FIG. It is preferable to include checking whether the linked loans based on the stored insurance and credit insurance agreement information between the insurance company and the insurance company is possible financial product information or financial asset information.

Referring to FIG. 15, after the validity of the loan application information is authenticated, the financial institution server 2200 compares the loan information included in the loan application information with the loan details available to the customer and checks whether the loan is possible. It is preferable to include an information confirmation unit 2225 to determine the.

According to the method of the present invention, the information confirming unit 2225 checks the subscription financial product (or financial asset) information included in the loan application information of the customer, and confirms the confirmed customer subscription financial product (or financial asset). It is characterized by determining whether the loan is possible based on the payment amount, subscription period, and the like.

For example, if the payment amount of the fund subscribed to by the customer is less than the loan threshold (eg, may be included in the credit insurance agreement information), or if the subscription period is less than the loanable period, the loan of the customer is not made. Will not.

Referring to FIG. 22, when the validity of the loan application information is authenticated through the validity confirming unit 2220, and it is determined whether the loan is possible through the information confirming unit 2225, An electronic document generation unit 2230 for generating a predetermined loan account management electronic document including the received loan application information, and transmitting the generated loan account management electronic document to an electronic document repository associated with the loan account opening system; An electronic document transmission unit 2235 is provided.

The electronic document generating unit 2230 may generate a loan account management electronic document including the loan application information received from the terminal device through the information receiving unit 2215.

According to an exemplary embodiment of the present invention, the electronic document generator 2230 may use the customer information, loan information, subscription financial product (or financial asset) information included in the loan application information received through the information receiver 2215. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including an MHT) is preferably processed as a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset).

Alternatively, the electronic document generator 2230 may include at least one document information including customer information, loan information, and subscription financial product (or financial asset) information included in the loan application information received through the information receiver 2215. And generating at least one or more information of customer information, loan information, and subscribing financial product (or financial asset) information included in the loan application information in the document content by a watermarking method. Document files containing the document content included (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more, such as HWP / DOC, or the Web including the MHT) Document file, etc.) is preferably processed as a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset).

Alternatively, the electronic document generator 2230 may include at least one document information including customer information, loan information, and subscription financial product (or financial asset) information included in the loan application information received through the information receiver 2215. Generating an image file including an image content (eg, image content generated by capturing the document content on a memory) and associated with the customer subscription financial product (or financial asset). It is desirable to process the loan account electronic documents for the loan.

Alternatively, the electronic document generator 2230 may include at least one document information including customer information, loan information, and subscription financial product (or financial asset) information included in the loan application information received through the information receiver 2215. And customer information, loan information, subscription financial product (or information) included in the loan application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. After including at least one or more information of the financial asset information in a watermarking (watermarking) method, the image file containing the image content including the watermarking for the loan associated with the customer subscription financial products (or financial assets) It is desirable to process the loan account electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generator 2230 may include customer information, loan information, subscription financial product (or financial asset) information included in the loan application information received through the information receiver 2215. A predetermined document file (eg, PDF) that generates document content including at least one of the document content, and includes image content (eg, image content generated by capturing the document content on a memory). (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or web document files including MHT) It is preferable to process the loan account management electronic documents for loans linked to (or financial assets).

Alternatively, the electronic document generator 2230 may include at least one document information including customer information, loan information, and subscription financial product (or financial asset) information included in the loan application information received through the information receiver 2215. And customer information, loan information, subscription financial product (or information) included in the loan application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. Generating an image content including at least one or more information of the financial asset information by a watermarking method, and a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking, or EDI (Electronic Data Interchange) file, word processor file including at least one or more such as HWP / DOC, or web document including MHT By creating work, etc.), it is preferable to process the loan account and manage electronic documents for the loan associated with the customer subscription financial products (or asset).

According to another exemplary embodiment of the present invention, the electronic document generator 2230 may include customer information, loan information, and a subscription financial product (or financial asset) included in the loan application information received through the information receiver 2215. Generates document content including at least one piece of information, and includes predetermined image content (eg, image content generated by capturing the document content on a memory) and the loan application information. By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to process the loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

Alternatively, the electronic document generator 2230 may include at least one document information including customer information, loan information, and subscription financial product (or financial asset) information included in the loan application information received through the information receiver 2215. And customer information, loan information, and subscription financial products included in the loan application information in the image content (eg, the image content generated by capturing the document content on a memory) which captured the document content. Or generating image content including at least one or more information of the financial asset information by a watermarking method, and a document file (eg, PDF (Portable) containing the watermarking image content and the loan application information. A Document Format (MDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or MH. By generating a web document file including T, etc.), it is preferable to process the loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

Those skilled in the art to which the present invention pertains, technical features that the electronic document generation unit 2230 generates a loan account management electronic document of the image file format or a predetermined document file format, and the loan account management Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 2235 transmits and stores the loan account management electronic document generated by the electronic document generating unit 2230 to a predetermined electronic document repository associated with the loan account opening system. .

As shown in FIG. 22, the electronic document repository includes a predetermined electronic document server 2270 and an electronic document D / B associated with a financial company server 2200 on the loan account opening system through predetermined communication means. When provided externally, the electronic document transmitter 2235 transmits the loan account management electronic document generated by the electronic document generator 2230 to the electronic document server 2270 through the communication means. It features.

In this case, when the electronic document server 2270 and the electronic document D / B are provided outside the loan account opening system, the electronic document server 2270 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the loan account opening system, the electronic document transmission unit 2235 may generate the electronic document generation unit 2230. The loan account management electronic document can be stored in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the loan account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 2235 inputs electronic document related information (for example, the loan application information) for generating predetermined electronic document management information in the electronic document server 2270 (selection). E) the customer information, the financial institution information for transmitting the loan account management electronic document, or the electronic document file format information, or the loan application information). The present invention is not limited thereby.

Referring to FIG. 22, the financial institution server 2200 may include loan application information received through the information receiving unit 2215 and associated with the customer subscription financial product (or financial asset) through the validity checking unit 2220. When the validity for the authentication is authenticated, the information generating unit 2240 for generating the financial account information based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information is validated And an account establishment unit 2245 which opens and processes a financial account under the customer's name including the financial account information.

When the validity of the loan application information is confirmed by the validity confirmation unit 2220, and it is determined whether the loan is possible through the information confirmation unit 2225, the information generation unit 2240 is included in the loan application information. And generating the financial account information based on the registered customer information, loan information, and subscribed financial product (or financial asset) information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the loan account opened based on the loan application information, if the loan account includes the savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

According to the method of the present invention, if the information generation unit 2240 is confirmed the validity of the loan application information by the validity confirmation unit 2220, and it is determined that the loan is possible through the information confirmation unit 2225 According to the credit insurance agreement information stored in the storage medium 2265, it is characterized in that for generating the credit insurance subscription information for credit insurance subscription of the loan application customer.

The credit insurance subscription information is an automatic insurance subscription information corresponding to a customer / loan limit according to the credit insurance agreement information to a customer who wants to obtain a loan associated with the customer's affiliated financial product (or customer-owned financial asset). Insurance amount information, insurance premium payment information, and the like).

The account establishment unit 2245 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and is provided). After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the customer subscription financial product (or And a predetermined financial account for the loan associated with the financial asset).

According to an exemplary embodiment of the present invention, when the financial company server 2200 and the financial system exist in the same system, the account opening unit 2245 connects the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial company server 2200 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 2245 is configured to communicate with the financial institution server through the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 22, the financial institution server 2200 may include loan application information received through the information receiving unit 2215 and associated with the customer subscription financial product (or financial asset) through the validity checking unit 2220. If the validity is verified for the loan, and it is determined that the loan is possible through the information checking unit 2225, the customer information, the loan information, and the registered financial product (or financial asset) information included in the validity of the loan application information are verified. And an information storage unit 2260 for storing loan account management information including at least one of the above information in a predetermined storage medium 2265.

When the validity of the loan application information is confirmed by the validity confirmation unit 2220, and it is determined that the loan is possible through the information confirmation unit 2225, the information storage unit 2260 is included in the loan application information. And storing the loan account management information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information in the storage medium 2265.

According to an exemplary embodiment of the present invention, when the storage medium 2265 is provided in the financial company server 2200 or on the network associated with the financial company server 2200, the information storage unit 2260 may be configured to include the storage medium 2265. Preferably, the storage medium 2265 stores loan account management information including at least one of the customer information, loan information, and subscription financial product (or financial asset) information included in the received loan application information.

According to another exemplary embodiment of the present invention, when the storage medium 2265 is provided in a DBMS provided on a financial system, the information storage unit 2260 may provide the customer information and the loan included in the received loan application information. It is preferable to provide loan account management information including at least one information, subscription financial product (or financial asset) information to an information system through an external system on the financial system, and store the information in a DBMS provided on the financial system.

Referring to FIG. 22, the financial company server 2200 is an insurance processor that automatically processes the credit insurance subscription of the loan application customer in cooperation with an insurance company based on the credit insurance subscription information generated by the information generator 2240 ( It may be configured to further include 2250, the insurance processing history through the insurance processing unit 2250 is preferably stored through the storage medium 2265.

In addition, the financial company server 2200, the loan processing unit for depositing the loan amount to the loan account opened through the account opening unit 2245 based on the credit insurance subscription information generated through the information generation unit 2240. It may be configured to further include (2255).

Referring to FIG. 22, an electronic document server 2270 that receives a predetermined loan account management electronic document from the financial institution server 2200 provided on the loan account opening system and stores and manages the predetermined electronic document D / B in a predetermined electronic document D / B. The electronic document receiving unit 2225 receives a predetermined loan account management electronic document from the financial institution server 2200 through a predetermined communication means, and stores the received loan account management electronic document in the electronic document D / B. An information generation unit 2280 for generating predetermined electronic document management information for managing and storing the electronic document in association with the electronic document management information and the loan account management electronic document and storing the electronic document management information in a predetermined electronic document D / B. It is characterized by comprising a portion 2285.

The electronic document receiving unit 2175 may receive a loan account management electronic document in the form of an image file or a document file from the financial institution server 2200 through the communication means.

According to an embodiment of the present invention, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means is included in the loan application information received by the financial institution server 2200 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document content including at least one piece of information, loan information, and subsidiary financial product (or financial asset) information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means may include customer information, loan information, and subscription finance included in the loan application information received by the financial institution server 2200 from the terminal device. A watermarking method in which at least one or more of customer information, loan information, and subscribing financial product (or financial asset) information included in the loan application information is included in document content including at least one product (or financial asset) information. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT).

Alternatively, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means may include customer information, loan information, and subscription finance included in the loan application information received by the financial institution server 2200 from the terminal device. It is preferable to include an image file including image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one item of product (or financial asset). Do.

Alternatively, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means may include customer information, loan information, and subscription finance included in the loan application information received by the financial institution server 2200 from the terminal device. Customer information included in the loan application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one item (or financial asset) information; After at least one or more information of the loan information and the subscription financial product (or financial asset) information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means is included in the loan application information received by the financial institution server 2200 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, loan information, and subscribed financial product (or financial asset) information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means may include customer information, loan information, and subscription finance included in the loan application information received by the financial institution server 2200 from the terminal device. Customer information included in the loan application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one item (or financial asset) information; A document file (eg, PDF) that generates image content including at least one or more information among loan information and subscription financial product (or financial asset) information by a watermarking method, and includes the image content including the watermarking. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word containing at least one or more such as HWP / DOC It comprises a processor file, or web page file, and so on) containing the MHT is preferred.

According to another exemplary embodiment of the present invention, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means is included in the loan application information received by the financial company server 2200 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one piece of customer information, loan information, and subscribed financial product (or financial asset) information. A predetermined document file including loan application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). Web document files).

Alternatively, the loan account management electronic document received by the electronic document receiving unit 2275 through the communication means may include customer information, loan information, and subscription finance included in the loan application information received by the financial institution server 2200 from the terminal device. Customer information included in the loan application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one item (or financial asset) information; A document including image information including the watermarking and the loan application information, generating image content including at least one or more information among loan information and subscription financial product (or financial asset) information by a watermarking method; At least one file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC file). It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

The information generating unit 2280 is a predetermined electronic document unique number (or unique information) to be assigned to the loan account management electronic document received through the electronic document receiving unit 2275, and through the electronic document receiving unit 2275 And generating electronic document management information including electronic document storage date and time information including a date and time when the loan account management electronic document is received (or a date and time at which the loan account management electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 2280 refers to the loan account management electronic document that has transmitted the loan account management electronic document received through the electronic document receiving unit 2175. It is preferable to identify the financial institution that has sent the 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 2200 through the electronic document receiving unit 2275, the information generating unit 2280 may receive the received electronic document. Document related information (e.g., customer information transmitted by inputting (selecting) the loan application information, financial institution information transmitting the loan account management electronic document, electronic document file format information, or loan application information, etc.); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 2285 associates the loan account management electronic document received through the electronic document receiving unit 2275 with the electronic document management information generated through the information generating unit 2280 to process a predetermined electronic document D. It stores in / B.

According to the exemplary embodiment of the present invention, the loan account management electronic document stored in the electronic document storage unit 2285 in the electronic document D / B is based on the loan application information received by the financial institution server 2200 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file) containing document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included; Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 2285 may include customer information and loan information included in the loan application information received by the financial institution server 2200 from the terminal device. Watermarking at least one or more of customer information, loan information, and subscribed financial product (or financial asset) information included in the loan application information in document content including at least one or more subscribed financial product (or financial asset) information. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 2285 may include customer information and loan information included in the loan application information received by the financial institution server 2200 from the terminal device. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one subscription financial product (or financial asset) information. It is preferable to make.

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 2285 may include customer information and loan information included in the loan application information received by the financial institution server 2200 from the terminal device. And image content (eg, image content generated by capturing the document content in memory) included in the loan application information in a document content including at least one subscription financial product (or financial asset) information. After including at least one or more information of the customer information, loan information, subscription financial products (or financial assets) information by watermarking (Watermarking) method, and preferably comprises an image file containing the image content including the watermarking Do.

According to another exemplary embodiment of the present invention, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 2285 may include loan application information received by the financial company server 2200 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, loan information, and subscribed financial product (or financial asset) information included in the information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 2285 may include customer information and loan information included in the loan application information received by the financial institution server 2200 from the terminal device. And image content (eg, image content generated by capturing the document content in memory) included in the loan application information in a document content including at least one subscription financial product (or financial asset) information. A document file including image information including at least one or more of customer information, loan information, and subscribed financial product (or financial asset) information by watermarking, and including the watermarking ( For example, a Word document including at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. A processor file, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 2285 is a loan application received by the financial company server 2200 from the terminal device. Image content that captures document content including at least one or more of customer information, loan information, and subscribed financial product (or financial asset) information included in the information (eg, image content generated by capturing the document content on a memory). And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the loan application information, or an MHT. It is preferable that the web document file including a).

Alternatively, the loan account management electronic document stored in the electronic document D / B by the electronic document storage unit 2285 may include customer information and loan information included in the loan application information received by the financial institution server 2200 from the terminal device. And image content (eg, image content generated by capturing the document content on a memory) captured in document content including at least one subscription financial product (or financial asset) information. Create image content including at least one or more information of customer information, loan information, subscription financial product (or financial asset) information by a watermarking method, and the image content including the watermarking and the loan application information. At least one document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) Or a web document file including the MHT).

According to an embodiment of the present invention, the electronic document management information that the electronic document storage unit 2285 processes in association with the loan account management electronic document and stores in the electronic document D / B is allocated to the loan account management electronic document. It is preferable to include a predetermined electronic document unique number (or unique information) 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 by the electronic document storage unit 2285 in association with the loan account management electronic document is stored in the electronic loan account management electronic document. Preferably, the financial institution server 2200 may further include information on the financial institution that has transmitted the loan account management electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 2200, the electronic document storage unit 2285 processes the electronic document by linking with the loan account electronic document. Electronic document management information to be stored in the document D / B, the financial institution for transmitting the electronic document related information (for example, customer information transmitted by inputting (selecting) the loan application information, or the loan account management electronic document) Information, or electronic document file format information, or the loan application information).

23A and 23B illustrate a process of opening a loan account for a loan associated with a customer subscription financial product (or financial asset) in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 23A and 23B illustrate a web server function in which a terminal device on the loan account opening system shown in FIG. 22 is a client terminal, and the financial institution server 2200 can be accessed by a client terminal through a predetermined network means. In this case, a predetermined customer opens a loan account for a loan associated with a customer subscribed financial product (or financial asset) through the client terminal, and provides customer information, loan information, and subscribed financial product (or financial asset). When the loan application information including at least one information is provided, the customer is based on the loan application information including at least one of the customer information, the loan information, and the subscription financial product (or financial asset) information in the loan account opening system. A method of opening and processing the loan account for a loan associated with a subscription financial instrument (or financial asset) For those of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the loan application information from the client terminal to the financial company server 2200 by referring to or modifying the drawings 23a and 23b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in the present drawings 23a and 23b.

For example, although the implementation method shown in FIGS. 23A and 23B includes a process of generating a predetermined electronic document corresponding to the loan application information and storing the electronic document in an electronic document repository, the process is omitted according to the intention of a person skilled in the art. In this regard, the present invention is not limited thereto.

In addition, the implementation method illustrated in FIGS. 23A and 23B may be provided through a predetermined web page provided by the financial institution server 2200 in which the client terminal inputs (or selects) the loan application information. Although illustrated and described, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 2200, and the present invention is not limited thereto.

Hereinafter, in FIGS. 23A and 23B, the client terminal illustrated in FIG. 22 is referred to as a “terminal” for convenience, and the financial institution server 2200 illustrated in FIG. 22 is referred to as a “server” for convenience. The customer information, loan information, and subscription financial product (or financial asset) information transmitted to the financial company server 2200 is referred to as "loan application information" for convenience.

Referring to FIGS. 23A and 23B, when the client terminal illustrated in FIG. 22 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connect to the server through a CDMA based (or HSDPA based) mobile communication network, an IEEE 802.16x based portable Internet, or an IEEE 802.11x based wireless LAN, and connect a predetermined communication channel, When a web page including a user interface for a loan associated with an asset is requested (2300), the server correspondingly includes at least one of the customer information, loan information, and subscribed financial product (or financial asset) information. Generate (or extract) a web page including a user interface for inputting (or selecting) loan application information and transmitting it to the server (2305) In operation 2310, the web page including the generated (or extracted) user interface is transmitted to the terminal through the network means.

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

Thereafter, the terminal inputs (or selects) loan application information including at least one or more customer information, loan information, and subscription financial product (or financial asset) information through the user interface included in the web page (2315).

If the terminal receives (or selects) loan application information including the customer information, loan information, and subscribed financial product (or financial asset) information through the user interface (2320), the terminal receives the communication channel. The input (or selected) the customer information, loan information, subscription financial products (or financial assets) information is transmitted to the server (2325).

According to an embodiment of the present invention, the terminal checks the validity of the loan application information on the server in the loan application information including at least one of the customer information, loan information, subscription financial product (or financial asset) information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or attach a predetermined electronic signature to the loan application information and transmit it to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC chip. (Or IC card), the official chip provided on the IC chip (or IC card) It is equipped with a card reader for identifying the certificate is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal corresponds to the encryption method. The at least one encryption key, or if a predetermined authentication certificate including at least one encryption key is provided, or when the authentication certificate is provided at a predetermined IC chip (or IC card), the IC chip ( Or IC card) is preferably provided with a card reader for checking the certificate .

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

Thereafter, the server receives and reads the customer information, loan information, and subscription financial product (or financial asset) information through the communication channel to check the validity of the loan application information (2330).

According to the embodiment of the present invention, the loan application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) When encrypted, the server may be configured to at least one decryption method (eg, symmetric key based decryption method, public key based decryption method, electronic envelope based decryption method, or key corresponding to the encrypted loan application information). It is preferable to authenticate the validity of the received loan application information by decryption using an exchange-based decryption scheme).

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

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

According to an embodiment of the present invention, if the received loan application information further includes a predetermined password for checking the validity of the loan application information, the server is included in the loan application information and the received password and the By comparing and authenticating the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received loan application information.

Alternatively, when the received loan application information further includes predetermined security card information for confirming the validity of the loan application information, the server is included in the loan application information and the received security card information and the DBMS. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the security card information provided corresponding to the customer in the above.

Alternatively, when the received loan application information further includes a predetermined OTP code for checking the validity of the loan application information, the server is included in the loan application information received on the received OTP code and the DBMS It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the generated OTP code based on the predetermined OTP generation information provided in correspondence with the customer.

According to an embodiment of the present invention, the validity of the loan application information is checked whether at least one ledger information matching the loan application information is registered in the ledger D / B on the financial system linked to the loan account opening system. It is preferable that it consists of including.

For example, the validity of the loan application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the loan application information on the ledger D / B on the financial system linked to the loan account opening system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the loan application information is that the subscription financial product (or financial asset) information included in the loan application information to the storage medium 2265 through the information registration system shown in FIG. It is preferable to include checking whether the linked loans based on the stored insurance and credit insurance agreement information between the insurance company and the insurance company is possible financial product information or financial asset information.

If the validity of the loan application information is not authenticated (2335), the server generates a web page including predetermined financial account error information and transmits it to the terminal (2340), and does not perform the loan account opening procedure. Do not.

On the other hand, if the validity of the loan application information is authenticated (2335), the server determines whether the loan is possible based on the credit insurance agreement information stored in the storage medium (2265) (2345).

According to the implementation method of the present invention, after the validity of the loan application information is authenticated, the server compares the loan information included in the loan application information with the loan details provided to the customer to determine whether the loan is possible. It is preferable.

According to an embodiment of the present invention, the server checks the subscription financial product (or financial asset) information included in the loan application information of the customer, and the payment amount corresponding to the confirmed customer subscription financial product (or financial asset). It is characterized by determining whether the loan is possible based on the subscription period.

For example, if the payment amount of the fund subscribed to by the customer is less than the loan threshold (eg, may be included in the credit insurance agreement information), or if the subscription period is less than the loanable period, the loan of the customer is not made. Will not.

If it is determined that the loan of the customer is possible (2350), the server may include predetermined document content including at least one or more customer information, loan information, and subscription financial product (or financial asset) information including the loan application information. In operation 2355, a predetermined loan account management electronic document including the document content is generated in operation 2360.

According to an embodiment of the present invention, the server generates document content including at least one or more customer information, loan information, subscription financial products (or financial assets) information included in the received loan application information, the document Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is preferably processed as a loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

Alternatively, the server generates document content including at least one of customer information, loan information, and subscribed financial product (or financial asset) information included in the received loan application information. After including at least one or more information of the included customer information, loan information, subscription financial products (or financial assets) information by watermarking (Watermarking) method, a document file containing document 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 HWP / DOC, or a web document file including an MHT. It is preferable to process the loan account management electronic document for the loan linked to the financial asset.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. It is preferable to process an image file including image content (eg, image content generated by capturing the document content on a memory) into a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset). Do.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, loan information, subscription financial product (or financial asset) information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset).

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content captured from document content (eg, image content generated by capturing the document content on a memory). ), A word processing file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a loan account for loans associated with the customer subscription financial product (or financial asset). It is desirable to process the management electronic document.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, loan information, subscription financial product (or financial asset) information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) Create image content including the watermarking method, and include a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the image content including the watermarking. Creating a word processor file including at least one or more; or a web document file including an MHT) It is preferable to process the loan account management electronic documents for loans linked to financial instruments (or financial assets).

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, A predetermined document file (eg, a Portable Document Format (PDF) file) including image content (eg, image content generated by capturing the document content on a memory) and the loan application information; 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 an MHT), thereby linking with the customer subscription financial product (or financial asset). It is desirable to process the loan account management electronic documents for the loan.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, loan information, subscription financial product (or financial asset) information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) Generating image content including a watermarking method, a document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) including the image content including the watermarking and the loan application information. , Or a word processor file including at least one HWP / DOC, or a web document file including MHT). As such, it is preferable to process the loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

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

Thereafter, the server stores the generated loan account management electronic document in a predetermined electronic document storage (2365).

As shown in FIG. 22, the electronic document storage is provided externally including a predetermined electronic document server 2270 and an electronic document D / B associated with a server on the loan account opening system through predetermined communication means. In this case, the server preferably transmits the generated loan account management electronic document to the electronic document server 2270 through the communication means and stores the electronic document D / B in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan account opening system, the server corresponds to the electronic document storage on the DBMS provided in the loan account opening system. It is possible to store in the electronic document D / B, thereby the present invention is not limited.

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

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

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

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the loan application information), financial institution information transmitting the loan account management electronic document, or electronic document file. Format information, or the loan application information).

If the loan account management electronic document is stored in the electronic document storage (2370), the server based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information, the financial account Generate information (2375).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the loan account opened based on the loan application information, if the loan account includes the savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information, the financial account of the customer name including the financial account information (2380).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (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 loan application information. It is characterized by opening a predetermined financial account for the loan associated with the product (or financial asset).

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates loan account management information including at least one of the customer information, the loan information, and the subscribing financial product (or financial asset) information included in the loan application information and stores it in a predetermined storage medium 2265. (2385)

According to an exemplary embodiment of the present invention, when the storage medium 2265 is provided in the server or on a network associated with the server, the server includes the customer information and the loan included in the received loan application information. Loan account management information including at least one information, subscription financial products (or financial assets) information is preferably stored in the storage medium (2265).

According to another exemplary embodiment of the present invention, when the storage medium 2265 is provided in a DBMS provided on a financial system, the server includes the customer information, loan information, and subscription financial products included in the received loan application information. It is preferable that the loan account management information including at least one or more financial asset information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

In addition, the server generates the credit insurance subscription information based on the customer information, loan information, subscribed financial products (or financial assets) information and credit insurance agreement information contained in the loan application information, the storage medium (2265) Save (2390).

The credit insurance subscription information is an automatic insurance subscription information corresponding to a customer / loan limit according to the credit insurance agreement information to a customer who wants to obtain a loan associated with the customer's affiliated financial product (or customer-owned financial asset). Insurance amount information, insurance premium payment information, and the like).

The server processes the automatic insurance subscription of the loan application customer through the generated credit insurance subscription information, and performs a loan to the opened loan account (2395).

Subsequently, the server may provide predetermined loan account opening history information (eg, the loan account opening history, or details of storing the loan account management electronic document in the electronic document repository, or the loan application information in the storage medium 2265). And (e.g., a loan payment processing history to the opened loan account) are generated (or extracted) and transmitted to the terminal (2396).

According to one embodiment of the invention, the storage medium 2265 is preferably provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system), wherein The storage medium 2265 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2265 may be an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

24A, 24B, and 24C illustrate a process of opening a loan account for a loan associated with a customer subscribed financial product (or financial asset) according to one embodiment of the present invention.

More specifically, FIGS. 24A, 24B, and 24C show the case in which the loan account opening system shown in FIG. 22 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the loan account opening shown in FIG. 22). In the case where the financial institution server 2200 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined loan application information to the internet banking server in order to open a loan account for a loan associated with the customer subscribed financial product (or financial asset), the customer information in the internet banking server. The customer based on loan application information including at least one information, loan information, subscription financial product (or financial asset) information An embodiment of the present invention relates to a method of opening and processing the loan account for a loan linked to a subscription financial product (or financial asset). Although various implementation methods for registering the loan application information through other types of non-face-to-face financial transaction channels may be inferred or modified by reference to the present invention, the present invention includes all the implementation methods inferred above, as shown in FIG. 24A and FIG. It is not limited to the implementation method shown in 24b and FIG. 24c.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 24A, 24B, and 24C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering loan application information between the client terminal and the internet banking server based on a program is illustrated, the present invention belongs to those skilled in the art. Refer to or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 24A, 24B, and 24C, based on a predetermined Internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. For Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering application information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 24a, 24b and 24c, The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of loan application information. It includes all types of non-face-to-face channel-based financial transactions, including systems or TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention includes Internet banking shown in FIGS. 24A, 24B and 24C. It is by no means limited to.

In addition, although the embodiment illustrated in FIGS. 24A, 24B, and 24C includes a process of generating the predetermined electronic document and storing it in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following Figures 24a, 24b and 24c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 2200 is referred to as "server" for convenience.

24A, 24B, and 24C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2400a), the server connects the terminal and the server through the browser. (2405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided to the terminal from the server and transmitted to the terminal by generating (or extracting) a predetermined web page. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2410a).

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 or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (2415a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (2425a), or if the terminal does not need to load or update the Internet banking security module (2415a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (2430a), where the security channel for internet banking is referred to. Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of loan application information in the terminal. When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

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 Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the electronic signature is assigned to the information (or data) to be provided to the server for registration of loan application information. Attached or at least one encryption scheme (or encryption) Encryption and transmission), the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

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 (2435a).

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 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 in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (2440a). In operation 2445a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (2450a), the server blocks the Internet banking security channel for the terminal (2455a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2450a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2460a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined loan application information for a loan associated with a customer subscription financial product (or financial asset) to the server.

Subsequently, when the terminal requests a web page including a user interface for lending associated with the customer subscription financial product (or financial asset) to the server through an internet banking-based financial transaction channel (2400b), the terminal correspondingly The server generates a web page including a user interface for inputting (or selecting) loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information to the server ( Or 2405b), and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (2410b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) loan application information including at least one of customer information, loan information, and subscription financial product (or financial asset) information in the terminal. In order to verify the validity of the Internet banking customer requesting to register the loan application information, a predetermined password or security card information (e.g., printed on the security card issued to the customer during the internet banking application process) Security card information) or OTP (One Time Password) (e.g., one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include a user interface.

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

Thereafter, the terminal inputs (or selects) loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information through the financial account opening interface (2415b).

If the terminal receives (or selects) loan application information including the customer information, loan information, and subscribed financial product (or financial asset) information through the user interface (2420b), the terminal establishes the financial transaction channel. The loan application information input (or selected) is transmitted to the server (2425b).

According to an embodiment of the present invention, the terminal checks the validity of the loan application information on the server in the loan application information including at least one of the customer information, loan information, subscription financial product (or financial asset) information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or attach a predetermined electronic signature to the loan application information and transmit it to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC chip. (Or IC card), the authorized person provided in the IC chip (or IC card) It is preferable that a card reader for checking the certificate is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, a symmetric key based encryption method) including loan application information including at least one of the customer information, loan information, and subscribed financial product (or financial asset) information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal corresponds to the encryption method. The at least one encryption key, or if a predetermined authentication certificate including at least one encryption key is provided, or when the authentication certificate is provided at a predetermined IC chip (or IC card), the IC chip ( Or IC card) is preferably provided with a card reader for checking the certificate All.

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

Thereafter, the server receives and reads the loan application information through the financial transaction channel to check the validity of the loan application information (2430b).

According to the embodiment of the present invention, the loan application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) When encrypted, the server may be configured to at least one decryption method (eg, symmetric key based decryption method, public key based decryption method, electronic envelope based decryption method, or key corresponding to the encrypted loan application information). It is preferable to authenticate the validity of the received loan application information by decryption using an exchange-based decryption scheme).

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

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

According to an embodiment of the present invention, if the received loan application information further includes a predetermined password for checking the validity of the loan application information, the server is included in the loan application information and the received password and the By comparing and authenticating the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received loan application information.

Alternatively, when the received loan application information further includes predetermined security card information for confirming the validity of the loan application information, the server is included in the loan application information and the received security card information and the DBMS. It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the security card information provided corresponding to the customer in the above.

Alternatively, when the received loan application information further includes a predetermined OTP code for checking the validity of the loan application information, the server is included in the loan application information received on the received OTP code and the DBMS It is preferable to authenticate the validity of the received loan application information by comparing and authenticating the generated OTP code based on the predetermined OTP generation information provided in correspondence with the customer.

According to an embodiment of the present invention, the validity of the loan application information is checked whether at least one ledger information matching the loan application information is registered in the ledger D / B on the financial system linked to the loan account opening system. It is preferable that it consists of including.

For example, the validity of the loan application information may be determined by checking the customer information (customer information, member information, etc.) among the information included in the loan application information on the ledger D / B on the financial system linked to the loan account opening system. It is preferably made to include matching with the customer ledger stored in.

In addition, the validity confirmation of the loan application information is that the subscription financial product (or financial asset) information included in the loan application information to the storage medium 2265 through the information registration system shown in FIG. It is preferable to include checking whether the linked loans based on the stored insurance and the insurance company credit information is possible financial information or financial asset information.

If the validity of the loan application information is not authenticated (2435b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (2440b), and does not perform the loan account opening procedure. Do not.

On the other hand, if the validity of the loan application information is authenticated (2435b), the server determines whether the loan is possible based on the credit insurance agreement information stored in the storage medium (2265) (2445b).

According to the implementation method of the present invention, after the validity of the loan application information is authenticated, the server compares the loan information included in the loan application information with the loan details provided to the customer to determine whether the loan is possible. It is preferable.

According to an embodiment of the present invention, the server checks the subscription financial product (or financial asset) information included in the loan application information of the customer, and the payment amount corresponding to the confirmed customer subscription financial product (or financial asset). It is characterized by determining whether the loan is possible based on the subscription period.

For example, if the payment amount of the fund subscribed to by the customer is less than the loan threshold (eg, may be included in the credit insurance agreement information), or if the subscription period is less than the loanable period, the loan of the customer is not made. Will not.

If it is determined that the loan requested by the customer is possible (2450b), the server may include predetermined information including at least one or more customer information, loan information, subscription financial product (or financial asset) information including the loan application information. A document content is generated (2455b), and a predetermined loan account management electronic document including the document content is generated (2460c).

According to an embodiment of the present invention, the server generates document content including at least one or more customer information, loan information, subscription financial products (or financial assets) information included in the received loan application information, the document Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is preferably processed as a loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

Alternatively, the server generates document content including at least one of customer information, loan information, and subscribed financial product (or financial asset) information included in the received loan application information. After including at least one or more information of the included customer information, loan information, subscription financial products (or financial assets) information by watermarking (Watermarking) method, a document file containing document content including the watermarking (eg, PDF) (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one of HWP / DOC, or the like, or web document files including MHT. It is preferable to process the loan account management electronic document for the loan linked to the asset.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. It is preferable to process an image file including image content (eg, image content generated by capturing the document content on a memory) into a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset). Do.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, loan information, subscription financial product (or financial asset) information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as a loan account management electronic document for a loan associated with the customer subscription financial product (or financial asset).

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content captured from document content (eg, image content generated by capturing the document content on a memory). ), A word processing file including at least one of HWP / DOC, or a web document file including MHT, etc.) to generate a loan account for loans associated with the customer subscription financial product (or financial asset). It is desirable to process the management electronic document.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, loan information, subscription financial product (or financial asset) information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) Create image content including the watermarking method, and include a document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the image content including the watermarking. Creating a word processor file including at least one or more; or a web document file including an MHT) It is preferable to process the loan account management electronic documents for loans linked to financial instruments (or financial assets).

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, A predetermined document file (eg, a Portable Document Format (PDF) file) including image content (eg, image content generated by capturing the document content on a memory) and the loan application information; 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 an MHT), thereby linking with the customer subscription financial product (or financial asset). It is desirable to process the loan account management electronic documents for the loan.

Alternatively, the server generates document content including at least one of customer information, loan information, subscription financial product (or financial asset) information included in the received loan application information, and captures the document content. Watermarking at least one or more of customer information, loan information, subscription financial product (or financial asset) information included in the loan application information on image content (for example, image content generated by capturing the document content on a memory) Generating image content including a watermarking method, and including a document content including the watermarking and the loan application information (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file); Or a word processor file including at least one HWP / DOC, or a web document file including MHT). As such, it is preferable to process the loan account management electronic document for the loan associated with the customer subscription financial product (or financial asset).

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

Thereafter, the server stores the generated loan account management electronic document in a predetermined electronic document storage (2465c).

As shown in FIG. 22, the electronic document storage is provided externally including a predetermined electronic document server 2270 and an electronic document D / B connected to a server on the loan account opening system through predetermined communication means. In this case, it is preferable that the server transmits the generated loan account management electronic document to the electronic document server 2270 through the communication means and stores the electronic document server 2270 in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the loan account opening system, the server corresponds to the electronic document storage on the DBMS provided in the loan account opening system. It is possible to store in the electronic document D / B, thereby the present invention is not limited.

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

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

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

The electronic document management information may include predetermined electronic document related information (for example, customer information transmitted by inputting (selecting) the loan application information), financial institution information transmitting the loan account management electronic document, or electronic document file. Format information, or the loan application information).

If the loan account management electronic document is stored in the electronic document storage (2470c), the server is the financial account based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information Generate information (2475c).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the loan account opened based on the loan application information, if the loan account includes the savings attribute, a predetermined subscription period And it is preferable that the payment date and payment information further comprises.

Thereafter, the server is linked to the financial system based on the customer information, loan information, subscription financial products (or financial assets) information included in the loan application information, the financial account of the customer name including the financial account information Is opened (2480c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or matches a customer ledger provided 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, thereby registering the customer in response to the loan application information. It is characterized in that the opening of a predetermined financial account for the loan associated with the financial product (or financial asset).

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the financial account information in the ledger D / B in association with the financial system. It is preferable.

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

Thereafter, the server generates loan account management information including at least one of the customer information, the loan information, and the subscribing financial product (or financial asset) information included in the loan application information and stores it in a predetermined storage medium 2265. (2485c)

According to an exemplary embodiment of the present invention, when the storage medium 2265 is provided in the server or on a network connected to the server, the server includes the customer information and the loan included in the received loan application information. Loan account management information including at least one information, subscription financial products (or financial assets) information is preferably stored in the storage medium (2265).

According to another exemplary embodiment of the present invention, when the storage medium 2265 is provided in a DBMS provided on a financial system, the server includes the customer information, loan information, and subscription financial products included in the received loan application information. It is preferable that the loan account management information including at least one or more financial asset information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

In addition, the server generates the credit insurance subscription information based on the customer information, loan information, subscribed financial products (or financial assets) information and credit insurance agreement information contained in the loan application information, the storage medium (2265) Store (2490c).

The credit insurance subscription information is an automatic insurance subscription information corresponding to a customer / loan limit according to the credit insurance agreement information to a customer who wants to obtain a loan associated with the customer's affiliated financial product (or customer-owned financial asset). Insurance amount information, premium payment information, etc.).

The server processes the automatic insurance subscription of the loan application customer through the generated credit insurance subscription information, and performs a loan to the opened loan account (2495c).

Thereafter, the server may provide predetermined loan account opening history information (eg, the loan account opening history, or details of storing the loan account management electronic document in the electronic document repository, or the loan application information in the storage medium 2265). And stores (or extracts) the loan processing history (for example, the loan payment processing history to the opened loan account) and transmits it to the terminal (2496c).

According to one embodiment of the invention, the storage medium 2265 is preferably provided in a DBMS on a financial system provided on the loan account opening system (or associated with the loan account opening system), wherein The storage medium 2265 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2265 may be an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

According to the present invention, there is an advantage that the loss of the indirect investment products can be generated to meet the financial needs of the excellent customers difficult to repurchase.

In addition, in the case of a temporary shortage of funds of long-term customers such as funds, it is possible to solve the insufficient funds by supporting the loan on the basis of the fund payment amount, and has the advantage of inducing continuous transactions.

Claims (5)

A storage medium storing insurance contract information including loan target financial product information, insurance company information, and automatic insurance subscription processing information for loans of financial product subscription customers based on a credit insurance contract; If the financial product subscribed to the loan application is matched with the loan target financial product included in the insurance agreement information stored in the storage medium, the loan amount corresponding to the payment amount of the financial product of the customer is calculated, and in connection with the insurance company And a server for performing automatic credit insurance subscription processing of the loan application customer and processing a loan applied by the customer. Storing insurance agreement information, including loan target financial product information, insurance company information, and automatic insurance subscription processing information, on a storage medium for the loan of the financial product subscription customer on the server; When the customer requests a loan from the server, if the customer is a financial product subscription customer, checking whether the financial product subscribed to the customer conforms to the loan target financial product information included in the insurance agreement information stored in the storage medium; If the customer subscription financial product is a loan target financial product included in insurance agreement information, identifying a payment amount of the financial product of the customer at a server; Calculating a loan amount corresponding to the identified financial product payment amount at the server; Performing automatic credit insurance subscription processing of the loan request customer in connection with the insurance company in the server: And processing the loan requested by the customer at the server, and depositing the calculated loan amount to the customer account. The method of claim 2, wherein the step of performing automatic credit insurance subscription processing of the loan application customer in association with the insurance company, And setting a customer-owned financial product as pledge for the loan applied in connection with the insurance company in the server. According to claim 2, Target financial product information included in the insurance agreement information, A loan service method for interworking with a customer subscription financial product, characterized in that it comprises at least one or more repurchaseable indirect investment products, bonds, real estate, trust information. A computer-readable recording medium recording a program for executing the method of claim 2.

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