KR20100027717A - System and method for taking intangible assets as security and program recording medium - Google Patents

Abstract

PURPOSE: A system and a method for taking intangible assets as security and a program recording medium are provided to require a desirable loan by providing intangible assets as security. CONSTITUTION: When a client requests a loan service as the security of intellectual rights, a loan processing unit(145) authenticates the validity of an intellectual property right which is provides as security in association with an intellectual property right authority server. The loan processing unit sets up the security limit for authenticated intellectual property right and then processes the loan that is provided as the security of an intellectual property right. A financial account processing unit operates a financial account corresponding to the loan based on the loan processing history.

Description

System and Method for Taking Intangible Assets as Security and Program Recording Medium}

1 is a diagram illustrating a system for opening a face-to-face financial account for a loan secured by an intangible asset according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B illustrate a process of opening a financial account for loans secured by intangible assets in a face-to-face manner according to one embodiment of the present invention.

4A and 4B are diagrams illustrating a process of opening a financial account for a loan secured by an intangible asset in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a financial account for loans secured by intangible assets in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face financial account opening system for loans secured by intangible assets according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

8A and 8B illustrate a process of opening a financial account for loans secured by intangible assets in a non-face-to-face manner according to one embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of opening a financial account for loans secured by intangible assets according to one embodiment of the present invention.

10 is a diagram illustrating a financial account operating system for intangible asset security loans in accordance with an embodiment of the present invention.

11 is a diagram illustrating a financial account operating process for intangible asset loans in accordance with the method of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: loan limit setting unit 135: dambo setting unit

140: open account 145: loan processing unit

150: electronic document generation unit 155: electronic document transmission unit

160: electronic document server 165: electronic document receiving unit

170: information generating unit 175: electronic document storage unit

The present invention, when applying for a loan secured by the intellectual property of the customer, the step of authenticating the validity of the security target intellectual property rights in connection with the intellectual property management institution server, and setting the security limit for the valid intellectual property rights And a step of processing the loan with the intellectual property within the security limit.

Loan services with existing patents and other collaterals have been provided by specific institutions (KDB, Technology Guarantee Fund, etc.). These loan services are mainly business-oriented rather than individual. There was a procedure.

Therefore, it is time to find a way for customers with intellectual property rights such as patents to receive personal mortgage loans more conveniently at general financial institutions.

An object of the present invention for solving the above problems, when applying for a loan secured by the intellectual property of the customer, in connection with the intellectual property management authority server to authenticate the validity of the security target subject intellectual property rights, the valid intellectual property rights Providing an intangible asset security setting processing system including means for setting a security limit for the security rights and means for processing a loan secured by the intellectual property and means for operating a financial account corresponding to the security loan based on the details of the security loan processing history. Is in.

Intangible asset security setting processing method according to the present invention, when applying for a loan secured by the intellectual property of the customer, the step of authenticating the validity of the security target of the intellectual property set in connection with the intellectual property management institution server, And setting a security limit for the intellectual property and processing a loan with the intellectual property within the security limit.

The method may further include storing the information on the loan processing of the intellectual property as collateral with the collateral set intellectual property information and storing the electronic document in a storage medium.

In addition, when the loan is processed, the step of setting a mortgage for the collateral setting target intellectual property in association with the intellectual property management institution server, and when the settlement of the loan is completed, the collateral setting target in connection with the intellectual property management authority server Characterized in that it further comprises the step of terminating the mortgage rights for intellectual property rights.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described intangible asset security setting processing method.

Intangible asset security setting processing system according to the present invention, when applying for a loan secured by the intellectual property of the customer, in conjunction with the intellectual property management authority server to authenticate the validity of the intellectual property subject to the security setting, and the valid intellectual property rights Means for setting a security limit for the loan and processing the loan secured by the intellectual property, and means for operating a financial account corresponding to the security loan based on the details of the security loan processing.

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 system for opening a face-to-face financial account for a loan secured by an intangible asset according to an embodiment of the present invention.

More specifically, FIG. 1 includes at least one predetermined customer information, intangible asset information, and financial account attribute setting information for a customer who wants to receive a predetermined loan as collateral for an intangible asset (eg, a customer's name or owned intangible asset). When a financial account opening application form is prepared and submitted to a window provided at a predetermined financial institution, the financial institution opens the financial account for loans in which intangible assets are collateralized in a face-to-face manner based on the financial account opening application form. As a system configuration, in detail, when the customer prepares the application form for opening the financial account and submits it to the window, a predetermined window terminal provided at the window and the financial company server provided on the financial account opening system and the intangible object are secured. Respond to the application for opening a financial account in connection with an intangible asset management agency that manages assets. The present invention relates to an implementation method of opening a predetermined financial account for a loan secured by the intangible asset based on financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 1 to infer various implementation methods for the configuration of the financial account opening system for loans secured by the intangible assets. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, FIG. 1 includes a process of creating a predetermined financial account application electronic document and storing the electronic document in an electronic document storage in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 1, it is possible to omit storing the electronic account opening application document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in the drawing 1 only.

Hereinafter, the at least one financial account opening application prepared by the customer and the corresponding customer information, intangible asset information, and financial account attribute setting information are created on the financial account opening system shown in FIG. 1 through a predetermined financial account opening interface. A component corresponding to at least one or more means or functional configurations of opening the financial account for the loan secured by the intangible asset based on the application information for opening the financial account, which is included, is referred to as "financial company server 100" for convenience. .

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a financial account for a loan secured by the intangible asset includes an intangible asset management institution that manages the intangible asset, and a value for performing valuation on the intangible asset. It is characterized in that it is linked with the evaluation institution.

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a financial account for a loan secured by the intangible asset includes a teller terminal provided in at least one branch of a financial institution (or a main office or a branch). It characterized in that it comprises a terminal device, the terminal device is connected to the communication channel and the financial company server 100 provided on the financial account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (or the main office or a branch), and through the window provided at the financial institution branch (or the main branch or the branch) (or through a teller) Complete a financial account opening application (e.g., a document with a form for filling in the at least one item of information), wherein the customer is required to trade the customer's transaction for legal basis on the financial account opening application. It is desirable to seal the seal.

Subsequently, when the customer submits the completed financial account opening application to the teller, the teller scans the financial account opening application through a predetermined image obtaining device to obtain predetermined image content, and then opens a predetermined teller terminal. Input (or select) financial account opening application information including at least one of image content acquired in response to the financial account opening application, at least one of customer information, intangible asset information, and financial account attribute setting information entered in the financial account opening application; Correspondingly, the counter terminal transmits the image content and the financial account opening application information to the financial company server 100 provided on the financial account opening system through the financial network.

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

In the financial account opening system as described above, the image acquisition device for acquiring the image content corresponding to the financial account opening application prepared by the customer, the teller terminal used by the employee and the teller terminal and the financial company server 100 The connecting financial network performs a function of a financial account opening interface for the customer to register the financial account opening application information.

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 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 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 100 may be a ledger server provided on a finance 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 the exemplary embodiment of the present invention, the financial company server 100 may include an interface unit 105 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 105 establishes a 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. 1, when a predetermined terminal device connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial company server 100 includes a predetermined terminal device provided in the terminal device. Obtain an image content corresponding to the financial account opening application prepared by the customer through an image acquisition device, input (or select) financial account opening application information corresponding to the financial account opening application, and transmit it to the financial company server 100. An interface provider 110 for generating (or extracting) at least one user interface and providing the generated (or extracted) user interface to the terminal device in association with the interface 105; Input financial account opening application information corresponding to the financial account opening application through the user interface on the device (or ), The information receiving unit 115 receiving the financial account opening application information transmitted from the terminal device in connection with the interface unit 105, and obtaining a predetermined image based on the user interface from the terminal device. When the image content corresponding to the financial account opening application prepared by the customer is obtained and transmitted through the device, the image receiving unit 120 receives the image content corresponding to the financial account opening application in connection with the interface unit 105. It characterized by comprising a.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then requests the user interface from the financial institution server 100. Obtain image contents corresponding to the financial account opening application prepared by the customer through a predetermined image acquisition device provided in the terminal device, and input (or select) financial account opening application information corresponding to the financial account opening application. Generate at least one user interface for transmitting to the financial institution server 100 through the financial network, or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 105. The provided user interface to the terminal device through the financial network.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device, and provides financial account opening application information corresponding to the financial account opening application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the financial institution server 100 through the financial network is provided, the predetermined image acquisition apparatus may be used as described above. Generate a user interface for acquiring image contents corresponding to the financial account opening application prepared by the customer, inputting (or selecting) financial account opening application information corresponding to the financial account opening application, and transmitting the information to the financial institution server 100. An interface provided to the terminal device (or extracted) The study may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information through the user interface. The financial account opening request information is transmitted to the financial institution server 100 through the financial network. In response, the information receiving unit 115 opens the financial account transmitted from the terminal device in connection with the interface unit 105. Receive application 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 financial account opening system corresponding to the customer by It is preferable to make.

The intangible asset information preferably includes application information and inventor information of intangible assets (eg, patents, utility models, trademarks, designs, etc.) owned or owned by the customer for loan.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for the loan secured by the intangible asset, and the financial Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

In addition, the terminal device obtains the image content corresponding to the application for opening a financial account prepared 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 In response thereto, the image receiving unit 120 receives image contents corresponding to the financial account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the application for opening a financial account created by the customer from the at least one or more image contents previously stored in the storage device through the user interface and then through the financial network. The financial receiver server 100 transmits the image content corresponding to the financial account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device transmits the image contents corresponding to the financial account opening application written by the customer and the financial account opening application information corresponding to the financial account opening application through the user interface. In this case, the information receiving unit 115 may receive the image content corresponding to the financial account opening application and the financial account opening application information together with the interface unit 105 (for example, the image receiving unit may receive the information receiving unit). Integrated operation), whereby the present invention is not limited.

Referring to FIG. 1, when the financial account opening request information transmitted from the terminal device is received through the information receiving unit 115, the financial institution server 100 receives the financial account opening request information from the intangible asset. Characterized in that it comprises a validity check unit 125 to determine whether the validity for the loan as a security.

According to the implementation method of the present invention, the validity of the financial account opening application information, at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirmation of the financial account opening application information, the application information included in the financial account opening application information is matched with the application information stored in the ledger D / B on the financial system linked to the financial account opening system, Or checking whether the information matches the application / registration information stored in the application information D / B on the intellectual property management system associated with the financial account opening system.

Referring to FIG. 1, if the financial institution opening application information received through the information receiving unit 115 is authenticated through the validity checking unit 125, the financial company server 100 evaluates a predetermined intangible asset. A loan limit setting unit 130 for setting a security loan limit requested by the customer on the basis of the valuation information on the intangible asset included in the application for opening the financial account, the validity of which has been authenticated; When the loan limit for the intangible asset included in the authenticated financial account opening application information is set, it comprises a security setting unit 135 for setting the intangible asset as collateral.

The loan limit setting unit 130 transmits the intangible asset information included in the financial account establishment application information for which the validity is authenticated to a predetermined intangible asset valuation server, and the intangible asset for the intangible asset from the intangible asset valuation server. Receiving predetermined valuation information, and sets the security loan limit requested by the customer based on the received valuation information.

The collateral setting unit 135 sets the intangible asset as collateral when the loan limit for the intangible asset included in the validity-certified financial account opening application information is set.

According to the method of the present invention, the collateral setting unit 135 transmits the intangible asset information set to the collateral to an intangible asset (intellectual property) management server, and the intangible asset mortgage right through the intangible asset (intellectual property) management server. It includes setting.

Referring to FIG. 1, when the financial account opening request information received through the information receiving unit is authenticated through the validity checking unit 125, the financial institution server 100 requests to open the financial account whose validity is verified. The account opening unit 140 and the opened financial account to open a financial account of the customer's name including the financial account property setting information based on the customer information, intangible asset information and financial account property setting information included in the information. And a loan processing unit 145 for depositing a loan amount secured by the customer's intangible assets.

When the validity of the financial account opening application information is confirmed by the validity confirming unit 125, the account opening unit 140 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger which is already matched with the customer information), and generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, a financial account for the loan in which the intangible asset is secured in response to the financial account opening application information.

The loan processing unit 145 is characterized in that for depositing the loan amount secured by the customer's intangible assets to the financial account opened by the account opening unit 140.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device through the image receiving unit 120, and applies to the financial account opening application information through the validity checking unit 125. After the validity is verified, and the loan processing is completed through the loan processing unit, the electronic document generation unit 150 for generating a predetermined financial account opening application electronic document including the received image content and the loan processing history; And an electronic document transmission unit 155 for transmitting the generated financial account opening application electronic document to an electronic document repository associated with the financial account opening system.

The electronic document generating unit 150 generates a financial account opening application electronic document including the image contents and the loan processing details received from the terminal device through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 150 includes the loan processing history in an image file including the image content received from the terminal device through the image receiving unit 120. It is advisable to process the account opening application electronic documents.

Alternatively, the electronic document generation unit 150 may apply to the financial account opening request information received through the information receiving unit 115 in the image content and the loan processing history received from the terminal device through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to an image content including at least one of customer information, intangible asset information, and financial account property setting information included in a watermarking method. .

According to another exemplary embodiment of the present invention, the electronic document generation unit 150 may include a predetermined document file (eg, the image content and the loan processing history received from the terminal device through the image receiving unit 120). , 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 an electronic application for the opening application.

Alternatively, the electronic document generator 155 may include customer information included in the financial account opening request information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120. Generates image content including at least one or more information of intangible asset information and financial account property setting information by a watermarking method, and includes a predetermined document file including the generated image content and the loan processing history (eg, Opening the financial account by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create an application electronic document.

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

Alternatively, the electronic document generation unit 150 and the customer information included in the financial account opening application information received through the information receiving unit 115 to the image content received from the terminal device through the image receiving unit 120; A predetermined document file including image content including at least one of intangible asset information and financial account attribute setting information by a watermarking method, and including the generated image content and the application for opening the financial account ( For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is desirable to create an account opening request electronic document.

If the person of ordinary skill in the technical field of the present invention belongs to the technical features of the electronic document generating unit to create a financial account opening application electronic document of the image file format or a predetermined document file format, and the financial account opening application electronic document Since it will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 155 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 150 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 1, the electronic document repository is provided externally including a predetermined electronic document server and an electronic document D / B linked with a financial company server 100 on the financial account opening system through a predetermined communication means. In this case, the electronic document transmitter 155 transmits the financial account opening request electronic document generated by the electronic document generator 150 to the electronic document server through the communication means.

Here, when the electronic document server and the electronic document D / B is provided outside the financial account opening system, the electronic document server and the electronic document D / B is preferably managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 155 may generate the electronic document generation unit 150. It is possible to store the electronic document opening application electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 155 may include electronic document related information (eg, the customer information or the application for opening a financial account) for generating predetermined electronic document management information in the electronic document server. Financial institution information for transmitting a document, electronic document file format information, or the application for opening a financial account, etc.) may be further transmitted to the electronic document repository, and the present invention is not limited thereto.

Referring to FIG. 1, an electronic document server 160 which receives a predetermined financial account opening request electronic document from the financial company server 100 provided on the financial account opening system and stores and manages the electronic document D / B in a predetermined electronic document D / B ) Is an electronic document number receiver 165 for receiving a predetermined financial account opening request electronic document from the financial institution server 100 through a predetermined communication means, and the received financial account opening request electronic document in the electronic document D. An information generation unit 170 for generating predetermined electronic document management information for storing and managing in / B, and the electronic document management information and the financial account opening application electronic document by linking and processing the electronic document management information to a predetermined electronic document D / B. It is characterized by comprising an electronic document storage unit 175 to store.

The electronic document receiving unit 165 may receive an application for opening a financial account in the form of an image file or a document file from the financial institution server 100 through the communication means.

According to the exemplary embodiment of the present invention, the electronic document receiving application electronic document received by the electronic document receiving unit 165 through the communication means includes the image content received by the financial company server 100 from the terminal device and the loan processing. It is preferable to include the image file including the details as it is.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 165 through the communication means may be included in the financial account opening request information in the image content received by the financial company server 100 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 customer information, intangible asset information and financial account attribute setting information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 165 through the communication means includes the image content and the loan received by the financial company server 100 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 HWP / DOC, etc.) including a processing history, or a web including an MHT. Document files).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 165 through the communication means is included in the financial account opening request information in the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including image content including at least one of information, intangible asset information, and financial account attribute setting information in a watermarking manner). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another embodiment of the present invention, the financial account opening request electronic document that the electronic document receiving unit 165 receives through the communication means is the image content received from the financial institution server 100 from the terminal device and the A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the financial account opening application information, or the MHT is provided. Web document files, etc.) to be included.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 165 through the communication means is included in the financial account opening request information in the image content received by the financial institution server 100 from the terminal device. A predetermined document file including image content including at least one of information, intangible asset information, and financial account property setting information by a watermarking method, the financial account opening application information, and a loan processing history (eg, PDF); (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 165, and the electronic document receiving unit 165 And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the financial account opening application electronic document was stored) when the financial account opening application electronic document was received. do.

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the financial account opening application electronic document transmitted to the financial account opening request electronic document received through the electronic document receiving unit. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received electronic document. Electronic document management information further including document-related information (eg, the financial institution information for transmitting the customer information, the financial account opening request electronic document, the electronic document file format information, or the financial account opening application information, etc.); It is desirable to produce.

The electronic document storage unit 175 associates a financial account opening request electronic document received through the electronic document receiving unit 165 with electronic document management information generated through the information generating unit 170 to process a predetermined electronic document. It is characterized by storing in the D / B.

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

Alternatively, the financial document opening request electronic document stored in the electronic document D / B by the electronic document storage unit is included in the financial account opening request information in the image content received by the financial institution server 100 from the terminal device. It is preferable to include an image file corresponding to an image content including at least one of information, intangible asset information, and financial account attribute setting information in a watermarking manner.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 is an image content received by the financial institution server 100 from the terminal device. 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 predetermined document file including the loan processing history, or an MHT. It is preferable to include a web document file, etc.).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 may be applied to the financial account opening request information on the image content received by the financial institution server 100 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 the included customer information, intangible asset information, and financial account property setting information by a watermarking method, 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, a financial account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 is an image received by the financial institution server 100 from the terminal device. At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including contents, application information for opening the financial account, and the loan processing history. A word processor file, or a web document file including MHT).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 may be applied to the financial account opening request information on the image content received by the financial institution server 100 from the terminal device. Image files including at least one of customer information, intangible asset information, and financial account property setting information included in a watermarking method, a predetermined document file including the financial account opening application information and the loan processing history. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

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

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 175 in association with the financial account opening request electronic document is stored in the electronic account opening request electronic document. Preferably, the financial institution server 100 may further include information on a financial institution that transmits the application for opening a financial account, which is confirmed with reference to the financial institution server 100 that transmits the document.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit processes the electronic document D / C in association with the electronic account opening application electronic document. The electronic document management information stored in the B may include the received electronic document related information (for example, the customer information or the financial institution information transmitting the electronic document opening request electronic document, the electronic document file format information, or the financial account). Establishment application information, etc.) is preferable.

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 includes an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 2 to infer various embodiments of the ledger configuration corresponding to the financial account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

The customer ledger includes customer information included in the application information for opening a financial account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, 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, and a minor.

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

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. ), Periodical reception information including at least one or more of a period (days), period extension, expiration date, and target amount, or an account number corresponding to the account ledger, a deposit amount, par value, pension date, and Trust reception information including at least one number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

3A and 3B illustrate a process of opening a financial account for loans secured by intangible assets in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show a terminal device in which a terminal device on a financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the teller terminal, a predetermined customer opens a financial account including at least one of predetermined customer information, intangible asset information, and financial account attribute setting information. After completing the application form and submitting it to a window provided at a predetermined financial institution, the financial institution will open a financial account for a loan with intangible assets as collateral based on the application for opening the financial account. Specifically, when the customer completes the financial account opening application form and submits it to the counter, the counter terminal After obtaining a predetermined image content corresponding to the financial account opening application through the definition image acquisition device and transmitting it to the financial institution server 100, input (or select) the financial account opening application information corresponding to the financial account opening application. And transmits to the financial company server 100 based on the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information in the financial company server 100. The present invention relates to a method of opening a predetermined financial account for a loan secured by an intangible asset.

Those skilled in the art to which the present invention pertains, various methods of providing the financial account opening application information from the window terminal to the financial company server 100 by referring to or modifying the drawings 3a and 3b. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 3A and 3B.

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

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial company server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, intangible asset information, and financial account attribute setting information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 3A and 3B, a customer who wants to obtain a loan by collateralizing a held (or owned) intangible asset (for example, intellectual property, etc.) includes at least customer information, intangible asset information and financial account attribute setting information. After completing and submitting an application for opening a financial account including one or more, the window terminal shown in FIG. 1 corresponds to the financial account opening application in a state in which a predetermined communication channel is connected to the server through a predetermined financial network. When the user interface is requested (300), the server correspondingly acquires predetermined image contents corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device and transmits the predetermined image content to the server. Create (or extract) a user interface (305), and generate (or extract) the user interface through the financial network EES is transmitted to the terminal and outputted (w10).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (315).

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

Thereafter, the server inputs (or selects) financial account opening application information including at least one of customer information, intangible asset information, and financial account attribute setting information corresponding to the financial account opening application matching the image content. A user interface for transmitting to the terminal is generated (or extracted) (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (330).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information through the user interface (340).

If the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information is input (or selected) through the user interface (w45), the terminal transmits the information through the financial network. In step 350, the financial account opening application information is transmitted to the server.

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

The intangible asset information may include application information, inventor information, and intangible asset proof information (eg, registration certificate, technology, etc.) of an intangible asset owned or owned by the customer for loan (eg, patent, utility model, trademark, design, etc.). Evaluation data, valuation data, etc.).

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for the loan secured by the intangible asset, and the financial Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information through the financial network to confirm the validity of the financial account opening application information. (355).

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirmation of the financial account opening application information, the application information included in the financial account opening application information is matched with the application information stored in the ledger D / B on the financial system linked to the financial account opening system, Or checking whether the information matches the application / registration information stored in the application information D / B on the intellectual property management system associated with the financial account opening system.

If the validity of the financial account opening application information is not authenticated (360), the server generates predetermined financial account opening error information and transmits it to the terminal (365), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is verified (360), the server transmits the intangible asset information included in the financial account opening application information to the intangible asset valuation server (370), the intangible asset valuation server Receive the valuation information for the intangible asset from (375).

When the valuation information is received, the server sets a security loan limit based on the received valuation information (380), and then sets the intangible asset as collateral for the loan requested by the customer (385).

After the security is set, the server generates predetermined account ledger information corresponding to the financial account opening application information for the loan secured by the intangible asset (390), and the account ledger information is linked to the financial system. After opening a financial account under the client's name (394), the loan amount for the intangible asset is secured into the opened financial account (395).

In operation 396, the server generates a predetermined financial account opening application electronic document including the image content and the loan processing history.

According to an embodiment of the present invention, the server preferably includes the loan processing details in an image file including the image content received from the terminal device, and processes the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. It is preferable to generate the financial account opening application electronic document an image file corresponding to the image content to include.

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 (Electronic Data) including the image content and the loan processing history received from the terminal device. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. And generate a predetermined image file, and include a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the generated image content and the loan processing history. It is preferable to generate the financial account opening application electronic document by generating a word processor file including at least one or more, or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the terminal device, the received financial account opening application information, and the loan processing history. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the generated image content and the generated image content and the financial account opening application information. It is preferable to generate the financial account opening application electronic document by generating a word processor file including at least one / DOC or the like, or a web document file including the MHT.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and the financial account opening application electronic document. Since the technical features of the file format for the corresponding image file or document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (397).

As shown in FIG. 1, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the financial account opening system through predetermined communication means, The server preferably transmits the generated financial account opening request electronic document to the electronic document server 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 financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic account opening application electronic document is stored in the electronic document storage (398), the server generates (or extracts) a predetermined financial account opening history and loan processing history information and transmits it to the terminal (399).

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 attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the loan secured by the intangible asset.

4A and 4B illustrate a process of opening a financial account for a loan secured by an intangible asset in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show a terminal device in which a terminal device on a financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the teller terminal, a predetermined customer opens a financial account including at least one of predetermined customer information, intangible asset information, and financial account attribute setting information. After completing the application form and submitting it to a window provided at a predetermined financial institution, the financial institution will open a financial account for a loan with intangible assets as collateral based on the application for opening the financial account. Specifically, when the customer fills out the application for opening the financial account and submits it to the counter, the counter terminal After inputting (or selecting) financial account opening application information corresponding to the financial account opening application form and transmitting it to the financial company server 100, predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device. Obtains and transmits the information to the financial institution server 100, and correspondingly, the financial institution server 100 based on the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account attribute setting information. The present invention relates to a method of opening a predetermined financial account for a loan secured by the intangible asset.

Those skilled in the art to which the present invention pertains, various methods of providing the financial account opening application information from the window terminal to the financial company server 100 by referring to or modifying the drawings 4a and 4b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 4A and 4B.

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

In the following Figures 4a and 4b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, intangible asset information, and financial account attribute setting information transmitted to the financial company server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer prepares and submits an application for opening a financial account including at least one of customer information, intangible asset information, and financial account property setting information, the window terminal shown in FIG. When a user interface corresponding to the application for opening a financial account is requested (400), while accessing the server through a predetermined financial network and connecting a predetermined communication channel, the server opens a financial account created by the customer. Generate (or extract) a user interface for inputting (or selecting) financial account opening application information including at least one of customer information, intangible asset information, and financial account attribute setting information corresponding to the application, and transmitting the same to the server; 405) transmitting and outputting the generated (or extracted) user interface to the terminal through the financial network The 410.

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, intangible asset information, and financial account property setting information through the user interface (415).

If the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information is input (or selected) through the user interface (420), the terminal transmits the information through the financial network. The input (or selection) of the financial account opening application information is transmitted to the server (425).

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

The intangible asset information may include application information, inventor information, and intangible asset proof information (eg, registration certificate, technology, etc.) of an intangible asset owned or owned by the customer for loan (eg, patent, utility model, trademark, design, etc.). Evaluation data, valuation data, etc.).

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for the loan secured by the intangible asset, and the financial Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and at least one financial product attribute information associated with the financial account when the financial account is an account linked to an investmentable financial product. It is preferable.

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information through the financial network to confirm the validity of the financial account opening application information. (430).

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the financial account opening application information, the application information included in the financial account opening application information is matched with the application information stored in the ledger D / B on the financial system linked to the financial account opening system Or checking whether the application matches the application / registration information stored in the application information D / B on the intellectual property management system associated with the financial account opening system.

If the validity of the financial account opening application information is not authenticated (435), the server generates predetermined financial account opening error information and transmits it to the terminal (440), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is authenticated (435), the server transmits the intangible asset information included in the financial account opening application information to the intangible asset valuation server (445), the intangible asset valuation server Receive the valuation information for the intangible asset from (450).

When the valuation information is received, the server sets a security loan limit based on the received valuation information (455), and then sets the intangible asset as collateral for the loan requested by the customer (460).

The server generates (or extracts) a user interface for acquiring a predetermined image content corresponding to the financial account opening application written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server (465), The generated (or extracted) user interface is transmitted to the terminal and output through the financial network (470).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (475).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (480), the terminal transmits the acquired image content to the server through the financial network (485).

Thereafter, the server generates predetermined account ledger information corresponding to the financial account opening application information for the loan secured by the intangible asset (490), and includes the account ledger information in association with the financial system. After opening a financial account in the name of the customer (494), the loan amount for securing the intangible asset is deposited into the opened financial account (495).

In operation 496, the server generates a predetermined financial account opening application electronic document including the image content.

According to an embodiment of the present invention, the server preferably includes the loan processing details in an image file including the image content received from the terminal device, and processes the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. It is preferable to generate the financial account opening application electronic document an image file corresponding to the image content to include.

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 (Electronic Data) including the image content and the loan processing history received from the terminal device. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. And generate a predetermined image file, and include a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the generated image content and the loan processing history. It is preferable to generate the financial account opening application electronic document by generating a word processor file including at least one or the like, or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the terminal device, the received financial account opening application information, and the loan processing history. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the generated image content and the generated image content and the financial account opening application information. It is preferable to generate the financial account opening application electronic document by generating a word processor file including at least one / DOC or the like, or a web document file including the MHT.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application 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.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (497).

As shown in FIG. 1, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the financial account opening system through predetermined communication means, The server preferably transmits the generated financial account opening request electronic document to the electronic document server 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 financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic document opening application electronic document is stored in the electronic document repository (498), the server establishes a predetermined financial account opening details and loans corresponding to the financial account opening application information for the loan secured by the intangible asset. Processing history information is generated (or extracted) and transmitted to the terminal (499).

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 attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the loan secured by the intangible asset.

5A and 5B illustrate a process of opening a financial account for a loan secured by an intangible asset in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B show a terminal terminal in which a terminal device on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 connects a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with the teller terminal, a predetermined customer opens a financial account including at least one of predetermined customer information, intangible asset information, and financial account attribute setting information. After completing the application form and submitting it to a window provided at a predetermined financial institution, the financial institution will open a financial account for a loan with intangible assets as collateral based on the application for opening the financial account. Specifically, when the customer fills out the application for opening the financial account and submits it to the counter, the counter terminal Obtain a predetermined image content corresponding to the financial account opening application through a definition image acquisition device, and input (or select) financial account opening application information corresponding to the financial account opening application to the financial company server 100. When the image paper content and the financial account opening request information are transmitted, the financial company server 100 responds based on the financial account opening request information including at least one of the customer information, the intangible asset information, and the financial account property setting information. The present invention relates to a method of opening a predetermined financial account for a loan secured by the intangible asset.

Those skilled in the art to which the present invention pertains, various methods of providing the financial account opening application information from the window terminal to the financial company server 100 by referring to or modifying the drawings 5a and 5b. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 5A and 5B.

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

Hereinafter, the window terminal shown in FIG. 1 in FIGS. 5A and 5B will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience. The customer information, intangible asset information, and financial account attribute setting information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer prepares and submits an application for opening a financial account including at least one of customer information, intangible asset information, and financial account attribute setting information, the window terminal shown in FIG. When a user interface corresponding to the financial account opening application is requested (500) while accessing the server through a predetermined financial network and connecting a predetermined communication channel (500), the server responds to the server created by the customer. A user interface for inputting (or selecting) financial account opening application information corresponding to a financial account opening application and obtaining and transmitting predetermined image contents corresponding to the financial account opening application to a server through a predetermined image acquisition device. Generate (or extract) 505 and generate (or extract) the user interface through the financial network. And outputs to the transmission device to the mobile station (510).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information through the user interface (515).

If the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information is input (or selected) through the user interface (520), the terminal is based on the user interface. An image content corresponding to the financial account opening application is obtained through a predetermined image obtaining apparatus (525).

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

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, CIF (Customer Information File number, etc.) provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by including at least one or more It is preferable to make it.

The intangible asset information may include application information, inventor information, and intangible asset proof information (eg, registration certificate, technology, etc.) of an intangible asset owned or owned by the customer for loan (eg, patent, utility model, trademark, design, etc.). Evaluation data, valuation data, etc.).

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for the loan secured by the intangible asset, and the financial Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information through the financial network to confirm the validity of the financial account opening application information. (540).

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirmation of the financial account opening application information, the application information included in the financial account opening application information is matched with the application information stored in the ledger D / B on the financial system linked to the financial account opening system, Or checking whether the information matches the application / registration information stored in the application information D / B on the intellectual property management system associated with the financial account opening system.

If the validity of the financial account opening application information is not authenticated (545), the server generates predetermined financial account opening error information and transmits it to the terminal (550), and the new corresponding to the financial account opening application information. Do not perform financial account opening procedures.

On the other hand, if the validity of the financial account opening application information is authenticated (545), the server transmits the intangible asset information included in the financial account opening application information to the intangible asset valuation server (555), the intangible asset valuation server Receive the valuation information for the intangible asset from (560).

When the valuation information is received, the server sets a security loan limit based on the received valuation information (565), and then sets the intangible asset as collateral for the loan requested by the customer (570).

When the intangible asset is secured, the server generates predetermined account ledger information corresponding to the financial account opening application information for the loan secured by the intangible asset (575), and the account is linked to the financial system. After opening a financial account in the name of the customer including ledger information (580), and deposits the loan amount requested by the customer to the opened financial account (585).

Thereafter, the server generates a predetermined financial account opening application electronic document including the image content and the loan processing history (590).

According to an embodiment of the present invention, the server preferably includes the loan processing details in an image file including the image content received from the terminal device, and processes the financial account opening request electronic document.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. It is preferable to generate the financial account opening application electronic document an image file corresponding to the image content to include.

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 (Electronic Data) including the image content and the loan processing history received from the terminal device. Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. And generate a predetermined image file, and include a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including the generated image content and the loan processing history. It is preferable to generate the financial account opening application electronic document by generating a word processor file including at least one or the like, or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable) including the image content received from the terminal device, the received financial account opening application information, and the loan processing history. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to generate.

Alternatively, the server may watermark at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the received financial account opening application information in the image content received from the terminal device. A predetermined document file (eg, a PDF (Portable Document Format) file or EDI (Electronic Data Interchange) including an image content including the generated image content, the generated image content, the financial account opening application information, and the loan processing history. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening request electronic document.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application 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.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (595).

As shown in FIG. 1, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B associated with a server on the financial account opening system through predetermined communication means, The server preferably transmits the generated financial account opening request electronic document to the electronic document server 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 financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic account opening request electronic document is stored in the electronic document storage (596), the server generates (or extracts) a predetermined financial account opening history and loan processing history information and transmits it to the terminal (597).

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 attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the loan secured by the intangible asset.

6 is a diagram illustrating a non-face-to-face financial account opening system for loans secured by intangible assets according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a predetermined customer information, intangible asset information, and financial account through a non-face-to-face financial account opening interface for a customer who wants to obtain a predetermined loan as collateral for an intangible asset (for example, a customer's name or owned intangible asset). When the financial institution opening application information including at least one property setting information is provided to the financial institution, the financial institution opens a financial account for the loan that secures the intangible asset based on the financial account opening application information. As a system configuration, specifically, when the customer provides the financial account opening application information to the financial account opening system through a non-facing channel, the financial company server 600 and the security target provided on the financial account opening system Respond to the application for opening a financial account through an intangible asset management agency that manages intangible assets. Will for the implementation how to establish a predetermined financial accounts for a loan to the customer and intangible assets and financial accounts, the intangible attribute setting information based on the financial account opening application information includes at least one collateral.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 6 to infer various implementation methods for the configuration of the financial account opening system for loans secured by the intangible assets. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, FIG. 6 includes generating a predetermined financial account application electronic document and storing the electronic document in an electronic document storage in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 6, it is possible to omit storing the electronic account opening application electronic document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in the drawing 6 only.

Hereinafter, financial account establishment application information including at least one of the customer information, intangible asset information, and financial account attribute setting information may be obtained from the customer through a predetermined financial account opening interface on the financial account opening system shown in FIG. A component corresponding to at least one or more means or functional configurations provided with opening the financial account for the loan secured by the intangible asset is referred to as " financial company server 600 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a system for establishing a financial account for loans secured by the intangible assets includes an intangible asset management institution that manages intangible assets, and a value for performing valuation on intangible assets. It is characterized in that it is linked with the evaluation institution.

Referring to FIG. 6 according to an embodiment of the present invention, a financial account opening system for loans secured by the intangible assets includes a terminal device including at least one wired terminal or a wireless terminal used by a customer. The terminal device is connected to a communication channel with a financial company server 600 provided on the financial account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 600 through at least one client terminal 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 When the financial account opening application information is input (or selected) through at least one user interface provided by the server 600, the financial institution server provided on the financial account opening system through a predetermined network means in the client terminal ( 600).

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network. 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, the wireless terminal connected to the wireless communication network is connected to any terminal device connected to a mobile communication network of Code Division Multiple Access (CDMA) based (or High-Speed Downlink Packet Access (HSDPA) based), or IEEE 802.16x based portable Internet. 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 A portable Internet terminal connected to an IEEE 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 company server 600 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and the network means, or for the information registration It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial institution server 600 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 user interface provided by the financial institution server 600, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 600 (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 600) 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 wired terminal or a wireless terminal, and thus a detailed description thereof will be omitted for convenience.

In the financial 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 600. Performs a function of a financial account opening interface for the customer to register the financial account opening application information.

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 at least one predetermined communication terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or at least one affiliated with the financial institution. Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 600 may be used. The connecting financial network performs a function of a financial account opening interface for the customer to register the financial account opening application information, or when the terminal device is the call terminal (not shown), the call terminal (not shown). And a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the financial company server 600 to perform a function of a financial account opening interface for the customer to register the financial account opening application information, or the terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution as a device, the terminal (or server) (not shown) and the End (or server) connecting a network (not shown), and the financial company server 600 is performing the functions of the financial account opening interface for the customer registers the financial account opening application information.

The financial company server 600 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side 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 600 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 institution server 600 is provided on the wireless banking system. Is a predetermined wireless banking server, a program included in the wireless banking server, a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server (or device) A program included in, 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 provided in the external system on the financial system. It may be a program, whereby the present invention is not limited.

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 institution server 600 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 a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 600 is on the TV banking system. A predetermined TV banking server, or a program included 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 institution server 600 may include an interface unit 605 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 or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 605 is defined in the wired communication network or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 600, the interface unit 605 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 client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit is predetermined with the client terminal based on a protocol stack defined in the wireless communication network. It is preferable 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 communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 600, the interface unit 605 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 financial automation device connected to a predetermined financial network, the interface unit 605 may be connected to 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 call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 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 605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the call 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 a two-way digital TV) connected to a TV banking system, the interface unit is based on the protocol stack defined in the TV banking system. Or a two-way digital TV) and a predetermined communication channel, and a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or two-way digital TV). It is desirable to provide.

Referring to FIG. 6, when a predetermined terminal device connects a predetermined communication channel with the financial company server 600 through the interface unit, the financial institution server 600 obtains application information for opening a predetermined financial account from the terminal device. Generate (or extract) at least one user interface for input (or selection) to the financial institution server 600, and generate the generated (or extracted) user interface in conjunction with the interface unit 605; When the interface providing unit 610 provided to the terminal device and the terminal device inputs (or selects) the financial account opening application information through the user interface and transmits the information, the terminal unit 605 is connected to the interface unit 605. And an information receiving unit 615 for receiving the financial account opening application information transmitted from the device.

The interface provider 610 connects a predetermined communication channel with the financial institution server 600 through the interface unit 605, and then requests the user interface from the financial institution server 600. Generate at least one user interface for inputting (or selecting) predetermined financial account opening application information from the terminal device to the financial institution server 600 through the network means, or a predetermined database (not shown). And the interface unit 605 and the generated (or extracted) user interface to 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 providing unit 610 is provided by a browser program or a communication program provided in the client terminal. 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 client terminal through the interface unit 605.

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 610 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.

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 610 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 605.

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 610 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 605. 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 may provide a predetermined user to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) an interface and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit.

According to another exemplary embodiment of the present invention, a terminal having at least one user interface for inputting (or selecting) predetermined financial account opening application information to the financial institution server 600 through the network means is transmitted to the terminal device. If the information registration program is provided, a user interface for inputting (or selecting) predetermined financial account opening application information as described above to be transmitted to the financial institution server 600 is generated (or extracted) and provided to the terminal device. The interface providing unit 610 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information through the user interface. The financial account opening request information is transmitted to the financial institution server 600 through the network means, and in response, the information receiving unit 615 opens the financial account transmitted from the terminal device in connection with the interface unit 605. Receive application information.

According to an embodiment of the present invention, the terminal apparatus includes the financial account opening application information including the customer information, the intangible asset information, and the financial account property setting information. At least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity to the financial institution server 600 through the network means It is desirable to transmit.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (for example, a symmetric key based encryption method) for applying for financial account establishment request information including at least one of the customer information, intangible asset information, and financial account property setting 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 by attaching a predetermined electronic signature to the application for opening a financial account, through the network means. It is preferable to transmit to (600), for this purpose, the terminal device is provided with at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or When a certificate is provided on a given IC chip (or IC card) It is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (for example, a symmetric key based encryption method) for applying for financial account establishment request information including at least one of the customer information, intangible asset information, and financial account property setting 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 financial institution server 600 through the network means. In the case of having at least one encryption key corresponding to the encryption method, or having a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) , Cardee for checking the official certificate provided in the IC chip (or IC card) It is preferred that the provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

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

The intangible asset information may include application information, inventor information, and intangible asset proof information (eg, registration certificate, technology, etc.) of an intangible asset owned or owned by the customer for loan (eg, patent, utility model, trademark, design, etc.). Evaluation data, valuation data, etc.).

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for the loan secured by the intangible asset, and the financial Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

Referring to FIG. 6, when the financial account opening application information received from the terminal device is received through the information receiving unit 615, the financial institution server 600 receives the financial account opening application information. Characterized in that it comprises a validity check unit 620 to determine whether the validity for the loan to secure the mortgage.

According to an embodiment of the present invention, the application information for opening a financial account may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The validity confirming unit 620 determines at least one decryption method (for example, a symmetric key based decryption method or a public key based decryption method) corresponding to the encryption method. Or electronic envelope-based decryption scheme, or key exchange-based decryption scheme, etc.), thereby validating the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the validity checking unit 620 checks the electronic signature attached to the financial account opening application information, thereby receiving the received financial account opening application information. It is desirable to authenticate validity.

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

When the financial account opening application information received through the information receiving unit 615 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the financial account opening application information, the validity checking unit In operation 620, it is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the financial account opening application information, the validity checking unit 620 Compares and authenticates the security card information included in the financial account opening application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received financial account opening application information. desirable.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the validity confirming unit 620 may include: By comparing and authenticating the received OTP code included in the financial account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received financial account opening application information It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirmation of the financial account opening application information, the application information included in the financial account opening application information is matched with the application information stored in the ledger D / B on the financial system linked to the financial account opening system, Or checking whether the information matches the application / registration information stored in the application information D / B on the intellectual property management system associated with the financial account opening system.

Referring to FIG. 6, when the financial account opening application information received through the information receiving unit 615 is verified through the validity checking unit 620, the financial institution server 600 evaluates a predetermined intangible asset. A loan limit setting unit 625 for setting a security loan limit requested by the customer on the basis of the valuation information on the intangible asset included in the application for opening a valid financial account for which the validity is authenticated; When the loan limit for the intangible asset included in the authenticated financial account opening application information is set, a security setting unit 630 for setting the intangible asset as collateral is made.

The loan limit setting unit 625 transmits the intangible asset information included in the validity-certified financial account opening application information to a predetermined intangible asset valuation server, and the intangible asset for the intangible asset is Receiving predetermined valuation information, and sets the security loan limit requested by the customer based on the received valuation information.

The collateral setting unit 630 may set the intangible asset as collateral when a loan limit for the intangible asset included in the validity-certified financial account opening application information is set.

According to the method of the present invention, the collateral setting unit 630 transmits the secured intangible asset information to the intangible asset (intellectual property) management server, and the intangible asset mortgage right through the intangible asset (intellectual property) management server. It includes setting.

Referring to FIG. 6, when the validity of the financial account opening application information received through the information receiving unit 615 is authenticated through the validity confirming unit 620, the financial institution server 600 may verify the validity of the financial institution. The account establishment unit 635 and the account establishment unit that open a financial account under the customer's name including the financial account attribute setting information based on the customer information, the intangible asset information, and the financial account attribute setting information included in the account opening application information. And a loan processing unit 640 for depositing a loan amount secured by the customer's intangible assets into a financial account.

When the validity of the financial account opening application information is confirmed by the validity confirming unit 620, the account opening unit 635 includes the customer information included in the financial account opening application information in connection with the financial system. After generating the ledger (or confirming the customer ledger which is already matched with the customer information), and generating the predetermined account ledger information including the financial account attribute included in the financial account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, a financial account for the loan in which the intangible asset is secured in response to the financial account opening application information.

The loan processing unit is characterized in that for depositing the loan amount secured by the customer's intangible assets to the financial account opened by the account opening unit.

Referring to FIG. 6, when the validity of the financial account opening application information is authenticated through the validity checking unit 620, the financial company server 600 includes the received financial account opening application information and the loan processing history. An electronic document generation unit 645 for generating a predetermined financial account opening application electronic document, and an electronic document transmission unit for transmitting the generated financial account opening application electronic document to an electronic document repository associated with the financial account opening system ( And 650).

The electronic document generating unit 645 generates a financial account opening application electronic document including the financial account opening application information and the loan processing history received from the terminal device through the information receiving unit 625. .

According to an exemplary embodiment of the present invention, the electronic document generator 645 may include at least customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. Generate at least one document content, and include at least a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the document content and the loan processing history. Or a word processor file including one or more, or a web document file including an MHT).

Alternatively, the electronic document generator 645 may include document content including at least one of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. After generating, the document content includes at least one or more information of the customer information, intangible asset information and financial account attribute setting information included in the application for opening the financial account in a watermarking method, and then includes the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one document content and the loan processing details, or a word processor file including an MHT. Web document file, etc.) is preferably processed as the electronic document opening application electronic document.

Alternatively, the electronic document generator 635 may include at least one customer information, intangible asset information, financial account property setting information, and the loan processing history included in the financial account opening application information received through the information receiving unit 615. Generate document content including the document content, and process an image file including the image content (eg, the image content generated by capturing the document content on a memory) as the financial account opening request electronic document. It is desirable to.

Alternatively, the electronic document generator 645 may include document content including at least one of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. Customer information, intangible asset information, and financial account attributes included in the financial account opening application information in the generated image content (e.g., image content generated by capturing the document content on a memory). After including at least one or more information of the setting information in a watermarking method, it is preferable to process the image file including the watermarking and the image file including the loan processing details as the financial account opening application electronic document. .

According to another exemplary embodiment of the present invention, the electronic document generation unit 645 may include customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. A predetermined document file including document content including at least one or more document contents, and image content (eg, image content generated by capturing the document content on a memory) and the loan processing history. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the electronic documents for the application for opening a financial account.

Alternatively, the electronic document generator 645 may include document content including at least one of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. Customer information, intangible asset information, and financial account attributes included in the financial account opening application information in the generated image content (e.g., image content generated by capturing the document content on a memory). Generate image content including at least one or more pieces of setting information by a watermarking method, and include a document file including the watermarking image content and the loan processing history (for example, PDF (Portable Document Format)). A word processor that includes at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. A document file, or a web document file including the MHT), it is preferable to process the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 645 may include customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. Generating document content including at least one of the document content, and capturing the document content (e.g., image content generated by capturing the document content on a memory), the financial account opening application information, and the loan processing. Any document file including a description (eg, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc.), it is preferable to process the financial account opening application electronic document.

Alternatively, the electronic document generator 645 may include document content including at least one of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. Customer information, intangible asset information, and financial account attributes included in the financial account opening application information in the generated image content (e.g., image content generated by capturing the document content on a memory). Create image content including at least one or more information of the setting information by a watermarking method, a document file including the watermarking image content, the financial account opening application information and the loan processing history (for example, , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC By generating a word processor including one or more files, or web page file containing the MHT and the like), we are preferable to process in the financial account opening application electronic document.

If the person of ordinary skill in the technical field of the present invention belongs to the technical features of the electronic document generating unit to create a financial account opening application electronic document of the image file format or a predetermined document file format, and the financial account opening application electronic document You will be familiar with the technical features of the file format for the image file or document file corresponding to the detailed description thereof will be omitted for convenience.

The electronic document transmitting unit transmits and stores the financial account opening request electronic document generated by the electronic document generating unit to a predetermined electronic document storage associated with the financial account opening system.

As shown in FIG. 6, the electronic document repository is provided externally including a predetermined electronic document server and an electronic document D / B linked with a financial company server 600 on the financial account opening system through a predetermined communication means. If so, the electronic document transmission unit is characterized in that for transmitting the financial account opening request electronic document generated by the electronic document generation unit to the electronic document server through the communication means.

Here, when the electronic document server and the electronic document D / B is provided outside the financial account opening system, it is preferable that the electronic document server and the electronic document D / B is managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit may generate the financial account opening application electronic document generated by the electronic document generation unit. It is possible to store in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit transmits electronic document related information (for example, the customer information or the application for opening a financial account) for generating predetermined electronic document management information in the electronic document server. Financial institution information, electronic document file format information, or the financial account opening application information, etc.) may be transmitted to the electronic document storage, and the present invention is not limited thereto.

Referring to FIG. 6, an electronic document server receiving a predetermined financial account opening request electronic document from the financial company server 600 provided on the financial account opening system, and storing and managing the electronic document D / B in a predetermined electronic document D / B, An electronic document receiving unit 165 for receiving a predetermined financial account opening request electronic document from the financial company server 600 through a predetermined communication means, and storing the received financial account opening request electronic document in the electronic document D / B. An information generation unit 170 for generating predetermined electronic document management information for managing the electronic document and the electronic document management information and the electronic document opening application electronic document, and storing the electronic document management information in a predetermined electronic document D / B. It is characterized by comprising a storage unit.

The electronic document receiving unit 165 may receive a financial account opening request electronic document in the form of an image file or a document file from the financial institution server 600 through the communication means.

According to the exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 165 through the communication means is based on the financial account opening request information received by the financial company server 600 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, or Electronic Data Interchange (EDI) file) including document information including at least one or more of customer information, intangible asset information, financial account property setting information, and the loan processing history. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit through the communication means may include customer information, intangible asset information, and financial information included in the financial account opening application information received by the financial company server 600 from the terminal device. After including at least one of the customer information, intangible asset information and financial account attribute setting information included in the financial account opening application information in the document content including at least one account attribute setting information, by watermarking method, A word including at least one document content including the watermarking and a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the loan processing history. Processor file, or a web document file including MHT).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 165 through the communication means may include customer information and intangible assets included in the financial account opening request information received by the financial institution server 600 from the terminal device. An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including information, financial account property setting information, and at least one loan processing history; It is preferable to comprise.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 165 through the communication means may include customer information and intangible assets included in the financial account opening request information received by the financial institution server 600 from the terminal device. Application for opening the financial account in the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including information, financial account property setting information, and at least one loan processing history. After the watermarking method includes at least one of customer information, intangible asset information, and financial account property setting information included in the information by a watermarking method, an image file including image content including the watermarking is included. desirable.

According to another embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 165 through the communication means is the financial account opening request information received by the financial company server 600 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) and the loan including document content including at least one of customer information, intangible asset information, and financial account property setting information included in the document 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 HWP / DOC, etc.) including a processing history, or a web including an MHT. Document files).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 165 through the communication means may include customer information and intangible assets included in the financial account opening request information received by the financial institution server 600 from the terminal device. The customer included in the financial account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one information and financial account property setting information. A document including image content including the watermarking and the loan processing history, generating image content including at least one of information, intangible asset information, and financial account property setting information by a watermarking method; Files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

According to another embodiment of the present invention, the financial document opening request received from the electronic document receiving unit 165 through the communication means, the financial account opening request received by the financial company server 600 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 of customer information, intangible asset information, and financial account property setting information included in the information; A word processor including at least one document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including financial account opening application information and the loan processing history. File, or a web document file including MHT).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 165 through the communication means may include customer information and intangible assets included in the financial account opening request information received by the financial institution server 600 from the terminal device. The customer included in the financial account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one information and financial account property setting information. Generating image content including at least one of information, intangible asset information, and financial account property setting information by a watermarking method, the image content including the watermarking, the financial account opening application information, and the loan Document file containing processing details (e.g., Portable Document Format (PDF) file, or EDI) (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 165, and through the electronic document receiving unit 165 And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 170 opens the financial account with reference to the financial company server 600 that has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 165. It is preferable to identify the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 165 further receives a predetermined electronic document related information from the financial company server 600, the information generating unit 170 is the received electronic Electronic document management information further including document-related information (eg, the financial institution information for transmitting the customer information, the financial account opening request electronic document, the electronic document file format information, or the financial account opening application information, etc.); It is desirable to produce.

The electronic document storage unit 175 associates a financial account opening request electronic document received through the electronic document receiving unit 165 with electronic document management information generated through the information generating unit 170 to process a predetermined electronic document. It is characterized by storing in the D / B.

According to the exemplary embodiment of the present invention, the financial account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 opens the financial account received by the financial company server 600 from the terminal device. A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing document content including at least one of customer information, intangible asset information, and financial account property setting information included in the application information; Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 may include customer information included in the financial account opening request information received by the financial institution server 600 from the terminal device. And at least one of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information in document content including at least one intangible asset information, financial account attribute setting information, and the loan processing history. And a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing document content including the watermarking after the watermarking method. And at least one word processor file or at least one web document file including the MHT.

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 may include customer information included in the financial account opening request information received by the financial institution server 600 from the terminal device. And image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one intangible asset information, financial account property setting information, and the loan processing history. It is preferable to include the image file.

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 may include customer information included in the financial account opening request information received by the financial institution server 600 from the terminal device. The financial account in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one intangible asset information, financial account property setting information, and the loan processing history. After including at least one or more information of the customer information, intangible asset information and financial account property setting information included in the application for registration in a watermarking method, and including an image file including the image content including the watermarking It is preferable to make.

According to another exemplary embodiment of the present invention, a financial account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 is a financial account received by the financial company server 600 from the terminal device. Image content that captures document information including customer information, intangible asset information, financial account property setting information, and the loan processing information included in the open application information (for example, an image generated by capturing the document content on a memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including MHT. Document files).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 may include customer information included in the financial account opening request information received by the financial institution server 600 from the terminal device. And an application for opening the financial account to image content (eg, image content generated by capturing the document content on a memory) which captures document content including intangible asset information, financial account property setting information, and the loan processing history. A document file including image information including at least one of customer information, intangible asset information, and financial account property setting information included in the information by a watermarking method, and the image content including the watermarking. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC). A document file or Web, and so on) that include the word-processor file, or MHT comprising at least preferably comprises.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 is the financial institution server 600 received from the terminal device. Image content (e.g., generated by capturing the document content in memory by capturing document information including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the account opening application information) A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content) and the application information for opening a financial account; File, or a web document file including MHT).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 175 may include customer information included in the financial account opening request information received by the financial institution server 600 from the terminal device. And an application for opening the financial account to image content (eg, image content generated by capturing the document content on a memory) which captures document content including intangible asset information, financial account property setting information, and the loan processing history. Generate image content including at least one of customer information, intangible asset information, and financial account property setting information included in the information by a watermarking method, and open the image content and the financial account including the watermarking; Document file containing the application information (e.g., Portable Document Format (PDF) file, or Electronic Data Interchang) e) a file, or a word processor file including at least one or more 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 175 in association with the financial account opening request electronic document is stored in the electronic account opening request electronic document. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the electronic document storage date and time.

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 175 in association with the financial account opening request electronic document is stored in the electronic account opening request electronic document. It is preferable that the financial institution server 600 that has transmitted the document further comprises the financial institution information transmitted to the financial account opening application electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 600, the electronic document storage unit 175 processes the electronic document opening application electronic document in association with the financial document. The electronic document management information stored in the electronic document D / B may include the received electronic document related information (for example, financial institution information for transmitting the customer information or the electronic account opening request electronic document, electronic document file format information, Or the financial account opening application information).

7 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 7 includes an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 6 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains will be able to infer various embodiments of the ledger configuration corresponding to the financial account by referring to or modifying the drawing 7. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

The customer ledger includes customer information included in the application information for opening a financial account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, 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.

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance number, bank account number, current interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, It includes at least one transaction number, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. (Months), period (days), period extension, maturity date and target amount including at least one or more of the regular reception information, or account number corresponding to the ledger, deposit amount, par value, pension date Trust reception information including at least one number of shares, or an account number corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

8A and 8B illustrate a process of opening a financial account for loans secured by intangible assets in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a web server function in which a terminal device on the financial account opening system shown in FIG. 6 is a client terminal, and the financial institution server 600 can access a client terminal through a predetermined network means. In a case where a predetermined customer provides financial account opening application information including at least one of customer information, intangible asset information, and financial account attribute setting information through the client terminal in order to open a financial account, Open a predetermined financial account for a loan secured by the intangible asset based on the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information in the financial account opening system; As to a method, it is possible to apply ordinary knowledge in the technical field to which the present invention belongs. In this case, various implementation methods for providing the financial account opening application information from the client terminal to the financial institution server 600 by referring to or modifying the drawings 8a and 8b may be inferred. It includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the financial account opening application information and storing the electronic document in an electronic document storage, the above-described process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

8A and 8B provide a user interface through which the client terminal inputs (or selects) the financial account opening application information through a predetermined web page provided by the financial institution server 600. Although illustrated as being received, when a predetermined program is provided in the client terminal, the user interface may not be provided from the financial institution server 600, and the present invention is not limited thereto.

Hereinafter, in FIGS. 8A and 8B, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the financial institution server 600 illustrated in FIG. 6 is referred to as a “server” for convenience. The customer information, intangible asset information, and financial account attribute setting information transmitted to the financial institution server 600 are referred to as "financial account opening application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, A web page including the user interface connected to the server by 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) In response to the request (800), in response, the server inputs (or selects) financial account opening application information including at least one of the customer information, intangible asset information, and financial account property setting information, and transmits the information to the server. Generating (or extracting) a web page including a user interface (805), and generating (or extracting) through the network means A web page including a user interface is transmitted to the terminal and output (step 810).

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 procedure for registering the application for opening a financial account, and thus the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one or more customer information, intangible asset information, and financial account attribute setting information through a user interface included in the web page (815).

If the terminal receives (or selects) financial account opening application information including the customer information, the intangible asset information, and the financial account property setting information through the user interface (820), the terminal transmits the information through the communication channel. Input (or selected) customer information, intangible asset information and financial account attribute setting information is transmitted to the server (825).

According to an embodiment of the present invention, the terminal confirms the validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information. It is preferable to further include at least one or more predetermined password or security card 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) for applying for financial account establishment request information including at least one of the customer information, intangible asset information, and financial account property setting 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 attaches a predetermined electronic signature to the application for opening a financial account to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC. When provided in a chip (or IC card), the IC chip (or IC car) E) It is preferable that a card reader is provided for confirming the public certificate provided in e).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for applying for financial account establishment request information including at least one of the customer information, intangible asset information, and financial account property setting information. Or public key-based encryption, electronic envelope-based encryption, or key exchange-based encryption, and the like, and transmits the encrypted data to the server through the network means. 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 provided with a card reader for checking the certificate desirable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

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

The intangible asset information may include application information, inventor information, and intangible asset proof information (e.g., registration certificate, etc.) of an intangible asset owned or owned by the customer for loan (eg, patent, utility model, trademark, design, etc.). Technical evaluation data, valuation data, etc.).

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for the loan secured by the intangible asset, and the financial Extended attribute information such as a transfer (or withdrawal) limit amount for an account, and when the financial account is an account linked to an investmentable financial product, includes at least one or more financial product attribute information linked to the financial account. desirable.

Thereafter, the server receives and reads the customer information, the intangible asset information, and the financial account property setting information through the communication channel to confirm the validity of the financial account opening application information (830).

According to an embodiment of the present invention, the application information for opening a financial account may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The server determines 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. Method, or a key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted financial account opening application information, and a technology for confirming an electronic signature attached to the financial account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

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

Alternatively, when the received financial account opening application information further includes predetermined security card information for checking the validity of the financial account opening application information, the server is included in the financial account opening application information to receive the received information. By comparing and authenticating the secured card information and the secured card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received financial account opening application information.

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

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirmation of the financial account opening application information, the application information included in the financial account opening application information is matched with the application information stored in the ledger D / B on the financial system linked to the financial account opening system, Or checking whether the information matches the application / registration information stored in the application information D / B on the intellectual property management system associated with the financial account opening system.

If the validity of the financial account opening application information is not authenticated (835), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (840), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (835), the server transmits the intangible asset information included in the financial account opening application information to the intangible asset valuation server (845), the intangible asset valuation server Receive the valuation information for the intangible asset from (850).

When the valuation information is received, the server sets a security loan limit based on the received valuation information (855), and then sets the intangible asset as collateral for the loan requested by the customer (860).

When the intangible asset is secured, the server generates predetermined account ledger information corresponding to the financial account opening application information for the loan secured by the intangible asset (865), and the account is linked with the financial system. After opening a financial account in the name of the customer including ledger information (870), and deposits the loan amount requested by the customer to the opened financial account (875).

Thereafter, the server generates predetermined document content including at least one or more customer information, intangible asset information, financial account attribute setting information, and the loan processing history including the financial account opening application information (880), and the document. A predetermined financial account opening request electronic document including the content is generated (885).

According to an exemplary embodiment of the present invention, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as the electronic document for opening a financial account.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and opens the financial account in the document content. After including at least one of the customer information, intangible asset information and financial account attribute setting information included in the application information by the watermarking method, a document file (eg, PDF) containing the document content including the watermarking (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to process.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and captures the document content. It is preferable to process an image file including an image content (for example, image content generated by capturing the document content on a memory) into the financial account opening request electronic document.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and captures the document content. Watermarking at least one of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information into an image content (for example, image content generated by capturing the document content in memory) After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including an image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and captures the document content. Watermarking at least one or more of customer information, intangible asset information, and financial account property setting information included in the financial account opening application information in an image content (for example, image content generated by capturing the document content in memory) A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) that generates image content including the watermarking method and includes the watermarked image content A word processor file including at least one of the text files, or a web document file including the MHT). For example, it is preferable to process the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document contents including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information. And a predetermined document file (eg, PDF (Portable Document Format) including image content (eg, image content generated by capturing the document content on a memory) generated by capturing the document content and the financial account opening request information. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to process the electronic account opening request electronic document. It is desirable to.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing information included in the received financial account opening application information, and captures the document content. Watermarking at least one of customer information, intangible asset information, and financial account property setting information included in the financial account opening application information on the image content (for example, image content generated by capturing the document content on a memory). A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) is generated that generates an image content including a watermarking method and includes the watermarking image content and the financial account opening application information. ) File, or a word processor file including at least one or more HWP / DOC, etc., or MHT By creating a web document file).

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application 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.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (890).

As shown in FIG. 6, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B linked with a server on the financial account opening system through a predetermined communication means. The server preferably transmits the generated financial account opening request electronic document to the electronic document server 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 financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic account opening application electronic document is stored in the electronic document storage (895), the server generates (or extracts) a predetermined financial account opening history and loan processing history information and transmits it to the terminal (896).

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 attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the loan secured by the intangible asset.

9A, 9B, and 9C illustrate a process of opening a financial account for loans secured by intangible assets according to one embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the financial account opening system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 6). In the case where the financial institution server 600 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined financial account opening application information to the internet banking server to open the financial account, the at least one of the customer information, the intangible asset information, and the financial account attribute setting information is transmitted from the internet banking server. Predetermined gold for loans secured by the intangible assets based on the application information for opening a financial account included above The present invention relates to a method of opening a loan account. Those skilled in the art may refer to or modify the drawings 9a, 9b, and 9c through other types of non-face-to-face financial transaction channels. Various implementation methods for providing the application information for opening a financial account may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 9A, 9B, and 9C. .

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Nets Cape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 9A, 9B and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account opening application information between the client terminal and the internet banking server based on a browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. If so, referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9A, 9B, and 9C, the client terminal and the Internet are based on a predetermined internet banking program mounted on the client terminal. Banking Server Corp Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account opening application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains to, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, 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 registering a financial account opening application information. It includes all types of non-face-to-face channel-based financial transactions, including wireless banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is shown in FIGS. 9a, 9b and 9c. It is by no means limited to the case of Internet banking.

In addition, although the embodiment shown in FIGS. 8A and 8B includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 600 is referred to as "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (905a), where the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server (or extracted) and transmitted to the terminal, and to the terminal This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal 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 ( 910a).

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 (915a), 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 920a.

If the terminal does not need to install or update the latest version of the security module for internet banking (925a), or if the terminal does not need to load or update the security module for internet banking (915a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (930a), where the security channel for the Internet banking 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 scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and the predetermined information is provided to the information (or data) to be provided to the server to register the financial account opening 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 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). Means a communication channel for decoding the information (or data) by a decryption method (or a decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of application information for opening a financial account. Attach a signature or at least one encryption room When encrypted and transmitted using an expression (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel for decoding.

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 (935a).

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 it to the server (or authentication server) (940a). In operation 945a, 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 (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined financial account establishment application information from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (900b), the server corresponds to the customer information, intangible asset information, and financial account attribute setting information. Generate (or extract) a web page including a user interface for inputting (or selecting) financial account opening application information including at least one of the information and transmitting the same to the server (905b), and establishes the internet banking-based financial transaction channel; The web page including the generated (or extracted) user interface is transmitted to the terminal and output (910b).

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

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

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information, intangible asset information, and financial account attribute setting information through the financial account opening interface (915b).

If the terminal inputs (or selects) financial account opening application information including the customer information, the intangible asset information, and the financial account property setting information through the user interface (920b), the terminal receives the financial transaction channel. The input (or selection) of the financial account opening application information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal confirms the validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information, the intangible asset information, and the financial account property setting information. It is preferable to further include at least one or more predetermined password or security card 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) for applying for financial account establishment request information including at least one of the customer information, intangible asset information, and financial account property setting 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 application for opening a financial account to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate has a predetermined IC. When provided in a 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.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for applying for financial account establishment request information including at least one of the customer information, intangible asset information, and financial account property setting information. Or public key based encryption method, electronic envelope based encryption method, or 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. When the IC chip (or IC card) is provided with at least one or more encryption keys, or has a predetermined certificate including at least one or more encryption keys, or when the certificate is provided on a predetermined IC chip (or IC card), IC card) is provided with a card reader for checking the certificate Is recommended.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

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

The intangible asset information may include application information, inventor information, and intangible asset proof information (eg, registration certificate, technology, etc.) of an intangible asset owned or owned by the customer for loan (eg, patent, utility model, trademark, design, etc.). Evaluation data, valuation data, etc.).

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) to be opened through the financial account opening application information for the loan secured by the intangible asset, and the financial Extended attribute information, such as a transfer (or withdrawal) limit amount for an account, and at least one financial instrument attribute information associated with the financial account, when the financial account is an account linked to an investmentable financial instrument. It is preferable.

Thereafter, the server receives and reads the financial account opening application information through the financial transaction channel to check the validity of the financial account opening application information (930b).

According to an embodiment of the present invention, the application information for opening a financial account may include at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, a key exchange based encryption method, or the like). ), The server determines 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. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the server verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is preferable.

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

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

Alternatively, when the received financial account opening application information further includes predetermined security card information for checking the validity of the financial account opening application information, the server is included in the financial account opening application information and received. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the security card information and the security card information provided corresponding to the customer on the DBMS.

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

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validation of the financial account opening application information may include: the customer information (customer information, member information, etc.) included in the financial account opening application information of the ledger on the financial system linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirmation of the financial account opening application information, the application information included in the financial account opening application information is matched with the application information stored in the ledger D / B on the financial system linked to the financial account opening system, Or checking whether the information matches the application / registration information stored in the application information D / B on the intellectual property management system associated with the financial account opening system.

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

On the other hand, if the validity of the financial account opening application information is authenticated (935b), the server transmits the intangible asset information included in the financial account opening application information to the intangible asset valuation server (945b), the intangible asset valuation server Receive the valuation information for the intangible asset from (950b).

When the valuation information is received, the server sets a security loan limit based on the received valuation information (955b), and then sets the intangible asset as collateral for the loan requested by the customer (960b).

Thereafter, the server generates predetermined account ledger information corresponding to the financial account opening application information for the loan secured by the intangible asset (900c) and includes the account ledger information in association with the financial system. After opening a financial account in a client's name (905c), a deposit amount for the intangible asset as collateral is deposited into the opened financial account (910c).

The server generates at least one document content including at least one customer information, intangible asset information, financial account attribute setting information, and the loan processing history including the financial account opening application information (915c), and the document. In operation 920c, a predetermined financial account opening application electronic document including the content is generated.

According to an exemplary embodiment of the present invention, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as the electronic document for opening a financial account.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and opens the financial account in the document content. After including at least one of the customer information, intangible asset information and financial account attribute setting information included in the application information by the watermarking method, a document file (eg, PDF) containing the document content including the watermarking (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 treat with.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and captures the document content. It is preferable to process an image file including an image content (for example, image content generated by capturing the document content on a memory) into the financial account opening request electronic document.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and captures the document content. Watermarking at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information into an 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 the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and captures the document content. Watermarking at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information into an image content (for example, image content generated by capturing the document content on a memory) A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. Generate a word processing file, or a web document file including MHT) Written, it is preferable to apply processing to the banking account opening electronic documents.

According to another exemplary embodiment of the present invention, the server generates document contents including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information. And a predetermined document file (eg, PDF (Portable Document Format) including image content (eg, image content generated by capturing the document content on a memory) generated by capturing the document content and the financial account opening request information. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to process the electronic account opening request electronic document. It is desirable to.

Alternatively, the server generates document content including customer information, intangible asset information, financial account property setting information, and the loan processing history included in the received financial account opening application information, and captures the document content. Watermarking at least one or more of customer information, intangible asset information, and financial account attribute setting information included in the financial account opening application information into an image content (for example, image content generated by capturing the document content on a memory) A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) is generated that generates an image content including a watermarking method and includes the watermarking image content and the financial account opening application information. A file, or a word processor file including at least one or more, such as HWP / DOC, or MHT Is also generated by the Web, such as a document file), it is preferable to apply processing to the banking account opening electronic documents.

In the technical field to which the present invention pertains, technical features of the server generating a financial account opening application electronic document in an image file format or a predetermined document file format, and correspond to the financial account opening application 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.

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage box (925c).

As shown in FIG. 6, when the electronic document storage is provided externally including a predetermined electronic document server and an electronic document D / B linked with a server on the financial account opening system through a predetermined communication means. The server preferably transmits the generated financial account opening request electronic document to the electronic document server 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 financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding former consultant D / B, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B.

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

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

The electronic document management information may include predetermined electronic document-related information (for example, financial institution information for transmitting the customer information or the financial account opening request electronic document, electronic document file format information, or the financial account opening request information). And the like).

If the electronic account opening application electronic document is stored in the electronic document storage (930c), the server generates (or extracts) the financial account opening details and loan processing history information and transmits it to the terminal (935c).

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 attribute included in the financial account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for the loan secured by the intangible asset.

10 illustrates a financial account operating system for intangible asset collateral loans in accordance with an embodiment of the present invention.

In more detail, FIG. 10 is based on the intangible asset mortgage information stored in the storage medium of the financial account opened for loans secured by intangible assets through the financial account opening system shown in FIG. 1 or FIG. As a system configuration, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to or modify this drawing 10 to infer various implementation methods for the financial account operating system for the intangible asset loan. Although there will be, the present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 10 according to an embodiment of the present invention, the financial account operating system includes a financial system equipped with a ledger corresponding to a financial account opened through the financial account opening system shown in FIG. 1 or 6, and A storage medium for storing intangible asset collateral loan information including at least one of customer information, intangible asset information, financial account property setting information, and loan processing history information; and operating the financial account in association with the financial system, And a financial account operating server 1000 for periodically checking the intangible asset collateral loan information stored in a medium to operate the intangible asset collateral loan product.

Here, the storage medium is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or is provided on at least one banking system. All are possible, and the present invention is not limited thereby.

In addition, the financial account management server 1000 is a ledger server provided in the financial system, or the financial company server 600 on the financial account opening system shown in FIG. 1 or FIG. 6. Various banking servers (eg, internet banking server, wireless banking server, tele banking server, home banking server, TV banking server, etc.) operating the financial account in connection with the financial system shown in FIG. It may be a separate server provided to achieve a loan, by which the present invention is not limited.

In addition, in FIG. 10, the financial account management server 1000 functions to operate the financial account in connection with the financial system, and periodically checks the intangible asset collateral loan information stored in the storage medium. Although illustrated including all of the functional configuration to achieve a mortgage, the present invention is not limited by this, the financial account management server 1000 can be made through a separate server (or device) for each functional configuration It is clear that there is.

The financial system is a general term for a computer system in which a ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 or 6 is provided. Characterized in that it is connected through at least one or more window terminals provided through a predetermined financial network (for example, the bank network), and provides a face-to-face financial transaction service for at least one or more financial transaction customers through the window terminal.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided in an institution (or other financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

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

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

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

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

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

Referring to FIG. 10, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

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

The storage medium may include intangible asset collateral loan information including at least one of the customer information, intangible asset information, financial account property setting information, and loan processing history information through the financial account opening system illustrated in FIG. 1 or 6. As a generic term of storage means for storing, the storage medium is provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or at least one banking, according to the intention of the skilled person. Anything provided on the system is possible.

The customer information stored in the storage medium may include personal information of the customer (eg, customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer may have the financial information). By signing up as a financial transaction customer of an institution, member ID information or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system linked with the financial account opening system in response to the customer, It is preferable to comprise at least one or more.

The intellectual property information preferably comprises at least one application information, registration information, inventor information of the intellectual property that the customer set as collateral for the loan.

The collateral setting information preferably includes a collateral setting period, a collateral value, and the like of the intellectual property rights of the customer.

Preferably, the loan processing information includes the loan processing history when the loan is made to the customer with the intellectual property as collateral.

Referring to FIG. 10, the financial account operation server 1000 may operate at least one client terminal and the financial account operation to operate a financial account opened through the financial account opening system illustrated in FIG. 1 or 6. An interface unit 1005 for connecting a communication channel for communication, an information receiver 1010 for receiving predetermined financial account usage information for operating the financial account from the customer terminal in connection with the interface unit 1005, and the reception And a financial account operating unit 1025 for operating the financial account in connection with the financial system based on the used financial account information. The financial account operating unit 1025 according to the intention of the skilled person It is possible to consist of at least two or more functional components (or means) in more detail, whereby the invention is not limited.

According to an embodiment of the present invention, when the customer terminal is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1005 may be connected to the employee terminal based on the protocol stack defined in the communication network. It provides a communication interface connecting a predetermined communication channel and transmitting and receiving at least one information (or data) for the operation of the employee terminal and the financial account using a communication protocol defined in the financial transaction program provided in the employee terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 1005 may be connected with the customer terminal based on a protocol stack defined in the wired communication network. A communication interface for connecting and transmitting at least one information (or data) for operating the financial account with the wired terminal using a communication protocol defined in a financial transaction program included in the customer terminal. It is preferable.

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

Or, if the customer terminal is provided with a predetermined financial transaction program directly interworking with the financial account management server 1000, the interface unit 1005 establishes a communication channel with the customer terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for operating the financial account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 may be connected to the customer terminal based on a protocol stack defined in the wireless communication network. It is desirable to provide a communication interface connecting a predetermined communication channel and transmitting and receiving at least one or more information (or data) for operating the financial account using a communication protocol defined in a financial transaction program provided in the customer terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit connects a communication channel with the customer terminal based on the CDMA / WCDMA protocol. Sending / receiving predetermined web pages (e.g., wireless markup language (WML) compatible web pages, or HTML compatible web pages) or information (or data) for operating the financial account using the WAP / ME protocol defined in the browser program. Provides an interface to

Or, if the customer terminal is provided with a predetermined financial transaction program directly interworking with the financial account management server 1000, the interface unit 1005 establishes a communication channel with the customer terminal based on the CDMA / WCDMA protocol. And a communication interface for transmitting and receiving information (or data) for operating the financial account using a communication protocol defined in the financial transaction program.

The information receiving unit 1010 receives the predetermined financial account usage information for operating the financial account from the customer terminal in connection with the interface unit 1005, wherein the received financial account usage information is the financial It is provided to the account management unit 1025.

The financial account manager 1025 may perform various financial transaction procedures for the financial account in connection with the financial system based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the financial account, the financial account is operated. The unit 1025 preferably performs a deposit transaction procedure for the financial account in connection with the financial system based on the financial account usage information, and records the deposit transaction details in a ledger corresponding to the financial account. desirable.

According to another embodiment of the present invention, the withdrawal transaction request information (for example, deposit account information for depositing a predetermined withdrawal transaction amount and the amount withdrawn from the financial account) is included in the financial account use information. In this case, the financial account management unit 1025 preferably performs a withdrawal transaction (or transfer transaction) procedure for the financial account in connection with the financial system based on the financial account usage information. It is preferable to record in the ledger corresponding to the financial account.

In addition, the financial account management unit 1025 periodically checks the amount deposited in the financial account, and calculates the interest (or proceeds) for the deposit amount according to the interest rate (or yield) corresponding to the financial account. And deposit the calculated interest (or proceeds) into the financial account and record the interest (or proceeds) deposit in the ledger corresponding to the financial account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to FIG. 10, the financial account management server 1000 may be connected to the storage medium while the financial account management unit 1025 operates the financial account in connection with the financial system to secure the intangible asset. An information confirming unit 1015 for confirming collateral loan processing information included in the intangible asset collateral loan information in connection with the collateral and the financial system, and collateral setting information for the financial account based on the identified collateral loan processing information. And the financial account verification unit 1020 for verifying the intellectual property information and the loan processing information, wherein the financial account operation unit 1025 is based on the security setting information, the intellectual property information, and the loan processing information. It is characterized by operating a financial account for loans secured by intellectual property rights.

The information checking unit 1015 may be configured to connect the storage medium with the storage medium while the financial account manager 1025 operates the financial account in connection with the financial system to secure the intangible asset. Characterized in checking the collateral loan processing information contained in.

The financial account checking unit 1020 checks collateral setting information, intellectual property information, and loan processing information for the financial account based on the confirmed collateral loan processing information in connection with the financial system. Confirmed collateral setting information, intellectual property information, loan processing information is provided to the financial account management unit 1025.

The financial account management unit 1025 is characterized in that for operating the financial account for the loan with intellectual property rights based on the security setting information, intellectual property information, loan processing information.

According to an embodiment of the present invention, the financial account management unit 1025 provides the security setting details to the intellectual property management server that manages the intellectual property, and establishes the mortgage for the intellectual property through the intellectual property management server. It is characterized by helping.

In addition, when it is confirmed that the settlement of the intellectual property security loan is completed, the financial account management unit 1025 may notify the intellectual property management server of the settlement of the security loan settlement (or termination of mortgage). .

11 is a diagram illustrating a financial account operating process for secured intangible assets in accordance with the method of the present invention.

More specifically, FIG. 11 stores the financial account opened for a loan secured by an intangible asset through the financial account opening system shown in FIG. 1 or 6 on the financial account operating system shown in FIG. As a process for operating based on intangible asset mortgage information stored in a medium, those of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 11, the financial account for the intangible asset mortgage loan Various implementation methods for the operation process may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the “financial account management server” shown in FIG. 10 will be referred to as a “server” for convenience.

Referring to FIG. 11, after a loan account having a customer's intangible asset (intellectual property right) is created through the financial account opening system shown in FIG. 1 or 6, the intangible asset collateral loan processing information is stored. Once stored in the medium (1100), the server notifies the intellectual property management server of the security setting details of the intangible asset, to set up the mortgage for the intangible asset (1105).

Thereafter, the server periodically checks whether the settlement of the intangible asset is settled (1110), and if the settlement of the collateral loan of the intangible asset is completed (1115), the settlement of the intangible asset is completed to the intellectual property management server. In operation 1120, the mortgage cancellation process on the mortgage-set intellectual property is performed in connection with the intellectual property management server (1125).

According to the present invention, the customer has the advantage of obtaining the desired loan by securing the intangible asset.

In addition, the financial institution provides a loan processing service with the security of the intangible assets of the customer, it has the advantage that it is possible to promote the patent activation by creating a result to secure the revenue from the provision of new services and encourage customers to patent applications.

Claims (5)

When applying for a loan secured by a customer's intellectual property, verifying the validity of the security target of the intellectual property set in connection with the intellectual property management institution server; Setting a security limit on the validated intellectual property right; And Processing the loan with the intellectual property within the security limit; and the intangible asset security setting processing method comprising: a. The method of claim 1, And processing the loan processing details for which the intellectual property is collateralized in association with the collateral setting intellectual property information and storing the electronic document in a storage medium. The method of claim 1, wherein in the loan processing, Establishing a mortgage right for a security target subject to intellectual property in association with the intellectual property management institution server; When the settlement of the loan is completed, the step of canceling the mortgage set for the security target intellectual property rights in connection with the intellectual property management authority server; further comprising the. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When applying for a loan secured by a customer's intellectual property rights, in connection with the intellectual property management authority server, the validity of the intellectual property subject to security is set, the security limit for the valid intellectual property rights is established, and the intellectual property rights are secured. Means for processing a loan; And And a means for operating a financial account corresponding to the mortgage loan based on the details of the mortgage loan processing.

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