KR20100034377A - System and method for managing matching accounts and program recording medium - Google Patents

Abstract

PURPOSE: A system and a method for managing matching accounts and a program recording medium thereof are provided to support encouragement of saving activity of the low income class and economical asset making of the low income class. CONSTITUTION: A storage medium(1440) stores matching account management information including at least one customer information, matching support target person information, accumulated price information, support rate information, support price information, and support price deposit account information. A matching account management server(1400) operates a matching account with a financial system. The matching account management server realizes matching support corresponding to accumulated money by periodically checking the matching account management information.

Description

System and Method for Managing Matching Accounts and Program Recording Medium}

1 is a diagram illustrating a system for establishing a matching account in a face-to-face manner for matching support corresponding to an accumulated amount according to an embodiment of the present invention.

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

Figure 3 is a storage medium for storing the matching account settings corresponding to the matching account opened in a face-to-face according to another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system It is a figure which shows the implementation method.

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

5A and 5B illustrate a process of opening a matching account for matching support corresponding to an accumulated amount in a face-to-face manner according to one embodiment of the present invention.

6A and 6B illustrate a process of establishing a matching account for matching support corresponding to an amount of reserves in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of establishing a matching account for matching support corresponding to an accumulated amount in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a view showing a non-face-to-face matching account opening system for matching support corresponding to the accumulated amount according to another embodiment of the present invention.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium for storing matching account setting information corresponding to a matching account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

10 is a storage medium for storing a matching account setting information corresponding to a matching account opened in a non-face-to-face manner according to another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system It is a figure which shows the implementation method.

FIG. 11 is a diagram illustrating an implementation method including a DBMS provided in a banking server, a storage medium storing a matching account setting information corresponding to a matching account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. .

12A and 12B illustrate a process of opening a matching account for matching support corresponding to an accumulated amount in a non-face-to-face manner according to an exemplary embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of opening a matching account for matching support corresponding to an accumulated amount according to one embodiment of the present invention.

14 is a view showing a matching account operating system for matching support corresponding to the accumulated amount according to an embodiment of the present invention.

15 is a diagram illustrating a matching account operating process for matching support corresponding to the accumulated amount according to an embodiment of the present invention.

16 is a diagram illustrating a matching account operating process for matching support corresponding to the accumulated amount according to another embodiment of the present invention.

17 is a diagram illustrating a matching account operating process for matching support corresponding to the accumulated amount according to another embodiment of the present invention.

<Description of main parts of drawing>

1400: matching account management server 1405: interface unit

1410: matching account management unit 1415: information verification unit

1420: information processing unit 1425: information receiving unit

1430: information storage unit 1435: validation unit

1440: storage media

The present invention is matched with the first account (or reserve account) and the reserve account that the matching support subject designated by the customer periodically accumulates a certain amount of money and the customer of a certain percentage of the amount of the reserves accumulated in the reserve account. Opening a second account (or grant account) in which the fund is to be deposited in the name of a customer (or institution), periodically checking whether the deposit is normally deposited in the opened first account, and the deposit of the first account is normally When the deposit is made, the second account information matching the first account, the fund information, and the fund deposit account information, and withdraws a certain ratio of the amount of money accumulated in the reserve account from the fund deposit account to the second It relates to a matching account operating method comprising the step of depositing into the account.

As the social phenomena of the poor and the poor continue, there is a demand for systematic support and attention for the low-income class.

More specifically, it is time to encourage savings activities for low-income families with working income (eg, second- and second-tiers) and seek new financial services that support them in creating economic assets.

An object of the present invention for solving the above problems is that the matching support subject designated by the customer is operated in matching with the first account (or reserve account) and the reserve account periodically accumulate a certain amount and the customer is the reserve account Matching account opening means for opening a second account (or grant account) in which the support amount of the daily maintenance rate of the amount to be stored in the name of the customer (or institution), and if the deposit of the first account is properly deposited, the first account The first account and the second account are matched to the second account to be matched to the account so that a certain percentage of the amount of the money accumulated in the reserve account is deposited, and when the expiration of the first account occurs, the first account The present invention provides a matching account management system including a matching account operating means for paying all of the reserves and subsidies of the second account.

In accordance with the present invention, a matching account operating method is matched with a first account (or reserve account) and the reserve account for which a matching support subject designated by a customer periodically accumulates a predetermined amount and is operated in the reserve account. Opening a second account (or grant account) in which a certain amount of support fund is to be deposited in the name of a customer (or institution); periodically checking whether the deposit is normally deposited in the opened first account; and If the deposit of the 1 account is normally deposited, check the second account information, the support information, the fund deposit account information matching the first account, the support fund of a certain ratio of the amount accumulated in the reserve account from the fund deposit account It is characterized in that it comprises a step of depositing the deposit to the second account.

According to the present invention, the matching account operating method, when the request for the cancellation of the first account of the matching support subject calculates the interest for the amount accumulated in the first account includes the calculated interest Withdraw the 1 account reserve to the matching support subject, or deposit the deposit into the account requested by the matching support subject, and upon request for termination of the first account of the matching support subject, the amount accumulated in the first account. Calculating the interest for the first account including the calculated interest, and the second account support including the calculated interest by calculating the interest for the support amount accumulated in the second account, the matching support subject Or withdrawing the deposit into the account requested by the matching support subject.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that the program for executing the above-described matching account operating method recorded.

On the other hand, the matching account management system according to the present invention, the matching support subject specified by the customer is operated in matching with the first account (or reserve account) and the reserve account periodically accumulate a certain amount and the customer is the reserve account Matching account opening means for opening a second account (or grant account) in which the amount of the funds to be deposited in a certain amount in the name of the customer (or institution), and if the deposit of the first account is deposited normally, the first account The first account and the second account are matched and operated so as to deposit a certain ratio of support money of the amount accumulated in the reserve account to a second account that is matched with the second account, when the expiration of the first account, Characterized in that it comprises a matching account operating means to pay all the reserves and support of the second account.

According to the present invention, the matching account operating means, when the middle of the first account, characterized in that to pay only the reserve of the first account.

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 thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 establishing a matching account in a face-to-face manner for matching support corresponding to an accumulated amount according to an embodiment of the present invention.

In more detail, Figure 1 includes a predetermined customer (eg, a welfare institution) including at least one of predetermined customer information, matching support person information, reserve amount information, support ratio information, support amount information, and support deposit account information. Fill out a matching account application form and submit it to a window provided in a predetermined financial institution, and the financial institution will provide a matching account for matching support corresponding to the accumulated amount based on the matching account application information corresponding to the matching account application. The present invention relates to a system configuration for establishing and storing a matching account setting report for managing the matching account in a predetermined storage medium 155, and a person of ordinary skill in the art to which the present invention pertains, FIG. Various implementation methods can be inferred for the establishment of a matching account opening system for matching support corresponding to the accumulated amount by reference or modification. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

According to the implementation method of the present invention, the matching account is a first account (or a reserve fund account) accumulated by a matching support person (for example, a participant who applied for a predetermined support from a welfare institution) and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) in which the grant is deposited in matching.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer a configuration of a matching account establishment system that omits an implementation method of storing the matching account electronic document in the electronic document repository by referring to or modifying the drawing 1. In addition, in the case where the matching account electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 1, the electronic document storage is provided in a DBMS located in the matching account opening system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the method of generating the matching account electronic document, a matching account electronic document corresponding to the matching account application is illustrated as being generated on the server side on the matching account opening system. However, the present invention is not limited thereto, and the matching account electronic document may be generated on a terminal side that acquires image content corresponding to the matching account application through a predetermined image obtaining apparatus (eg, the server side). E-document generation function provided in the terminal side to generate the matching account electronic document), thereby the present invention is not limited.

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

Referring to FIG. 1 according to an embodiment of the present invention, a matching account opening system for matching support corresponding to the accumulated amount includes a terminal device including a counter terminal provided in at least one branch (or branch) of a financial institution. It characterized in that it comprises a, the terminal device is connected to the communication channel and the financial company server 100 provided on the matching account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for matching support corresponding to the accumulated amount, and through a window (or counter employee) provided at the financial institution branch (branch branch). Through a) prepare a predetermined matching account application (eg, a document with a form for filling in at least one information item for matching support corresponding to the accumulated amount) for the matching support corresponding to the accumulated amount, At this time, it is preferable that the customer seals the seal of the transaction for the legal basis for the matching account application.

Subsequently, when the customer submits the created matching account application to the teller, the teller scans the matching account application through a predetermined image obtaining device to obtain predetermined image content, and through the teller terminal, Matching account including at least one of the image content obtained in response to the matching account application, the customer information written in the matching account application, matching support information, reserve amount information, support ratio information, support amount information, support deposit account information Input (or select) the application information, and correspondingly, the counter terminal transmits the image content and the matching account application information to the financial company server 100 provided on the matching account opening system through the financial network. Do.

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

In the matching account opening system as described above, an image acquisition device for acquiring image contents corresponding to a matching account application prepared by the customer, a window terminal used by the employee, the window 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 matching account application information for matching support corresponding to the accumulated amount.

The storage medium 155 provided on the matching account opening system according to the present invention includes the customer information included in the matching account application information provided from the terminal device, matching support subject information, accumulated amount information, support ratio information, Characterized in that the storing the matching account setting information including at least one or more support amount information, support fund deposit account information.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone) of an individual who accumulates a predetermined amount in the first account of the matching account. Number, mobile phone number, e-mail address, etc., and member information of the individual (e.g., the financial system associated with the matching account opening system corresponding to the individual by the individual subscribing as a financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided in the.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the matching account opening system (or associated with the matching account opening system), wherein The storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 155 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the matching account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial company server 100 provided on the matching account opening system according to the present invention is a generic term for the matching account opening system side component 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 window terminal connected to a predetermined financial network, the financial institution server 100 is a ledger server provided on a financial system connected to the window terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial 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 the predetermined terminal device connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 supports matching corresponding to the accumulated amount. To obtain the image content corresponding to the matching account application created by the customer through a predetermined image acquisition device provided in the terminal device, and input (or select) matching account application information corresponding to the matching account application An interface providing unit for generating (or extracting) at least one user interface for transmitting to the financial institution server 100 and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 105. 110 and matching account application information corresponding to the matching account application through the user interface in the terminal device; Is input (or selected) and transmitted, the information receiving unit 115 for receiving the matching account request information transmitted from the terminal device in conjunction with the interface unit 105, and the terminal device based on the user interface When the image content corresponding to the matching account application prepared by the customer is obtained and transmitted through a predetermined image obtaining apparatus, the image receiving unit 120 receives the image content corresponding to the matching account application in connection with the interface unit 105. It is 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 matches the accumulated amount to the financial institution server 100. When requesting a user interface for support, an image content corresponding to the matching account application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device, and matching account application information corresponding to the matching account application. Generate (or select) and 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 interwork with the interface unit 105. By providing the generated (or extracted) user interface to the terminal device through the financial network. .

According to another exemplary embodiment of the present invention, the terminal apparatus acquires image contents corresponding to the matching account application written by the customer through a predetermined image obtaining apparatus, and inputs matching account application information corresponding to the matching account application (or Selects a predetermined information registration program having at least one user interface for transmitting to the financial institution server 100 through the financial network. Obtaining image contents corresponding to the matching account application, generating (or extracting) a user interface for inputting (or selecting) matching account application information corresponding to the matching account application and transmitting the same to the financial institution server 100 to generate The interface providing unit 110 provided to the terminal device may be omitted, Thereby, this invention is not limited.

Thereafter, the terminal device inputs matching account application information including at least one of the customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information through the user interface (or And transmits the input (or selected) matching account application information to the financial institution server 100 through the financial network. In response, the information receiving unit 115 is connected to the interface unit 105. And receiving the matching account application information transmitted from the terminal device.

In addition, the terminal device obtains the image content corresponding to the matching account application written by the customer through a predetermined image acquisition device based on the user interface, and the acquired image content through the financial network server ( In response thereto, the image receiving unit 120 receives image contents corresponding to the matching account 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 matching account application created by the customer through a predetermined image acquisition device, and stores the predetermined contents provided in the terminal device (or associated). If the device is previously stored in the device, the terminal device selects the image content corresponding to the matching account application created by the customer from the at least one or more image contents previously stored in the storage device through the user interface, and the financial company through the financial network. The server 100 transmits the image content corresponding to the matching account application in connection with the interface unit 105.

According to another embodiment of the present invention, when the terminal device transmits the image content corresponding to the matching account application created by the customer and the matching account application information corresponding to the matching account application through the user interface, The information receiving unit 115 may receive image content corresponding to the matching account application and matching account application information together with the interface unit 105 (for example, the image receiving unit 120 may include the information receiving unit 115. And integrated operation), whereby the present invention is not limited.

Referring to FIG. 1, when the matching account request information transmitted from the terminal device is received through the information receiving unit 115, the financial institution server 100 may receive the matching account request information corresponding to the accumulated amount. Characterized in that it comprises a validity check unit 125 to determine whether the validity for matching support.

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

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

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device through the image receiving unit 120, and receives the matching account application information through the validity checking unit 125. If the validity is authenticated, the electronic document generation unit 130 for generating a predetermined matching account electronic document including the received image content, and the electronic document repository associated with the matching account opening system for the generated matching account electronic document. Characterized in that it comprises an electronic document transmission unit 135 to transmit to.

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

According to the exemplary embodiment of the present invention, the electronic document generating unit 130 matches an image file including the image content received from the terminal device through the image receiving unit 120 as it corresponds to the accumulated amount. It is preferable to process the matching account electronic document for support.

Alternatively, the electronic document generating unit 130 matches customer information included in the matching account application information received through the information receiving unit 115 to the image contents received from the terminal device through the image receiving unit 120. Matching the image file corresponding to the accumulated amount, the image file corresponding to the image content including at least one or more information of the support target information, reserve amount information, support ratio information, support amount information, support deposit account information in a watermarking method (Watermarking) It is desirable to create a matching account electronic document for support.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 120. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT) It is desirable to create a matching account electronic document for the.

Alternatively, the electronic document generating unit 130 matches customer information included in the matching account application information received through the information receiving unit 115 to the image contents received from the terminal device through the image receiving unit 120. Generating image content including at least one or more information of the support target information, accumulated amount information, support ratio information, support amount information, support deposit account information by a watermarking method, and includes a predetermined content including the generated image content Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 is a matching account received through the image receiving unit and the image content received from the terminal device through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the electronic document generating unit 130 matches customer information included in the matching account application information received through the information receiving unit 115 to the image contents received from the terminal device through the image receiving unit 120. Generate image content including at least one or more of the information of the support target information, the accumulated amount information, the support ratio information, the support amount information, and the fund deposit account information by a watermarking method, and the generated image content and the matching account A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount. .

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 and the technical features of generating a matching account electronic document of the image file format or a predetermined document file format, and the matching account 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 135 transmits and stores the matching account electronic document generated by the electronic document generating unit 130 to a predetermined electronic document repository associated with the matching account opening system.

As shown in FIG. 1, the electronic document repository includes an electronic document D / B and a predetermined electronic document server 160 linked with a financial institution server 100 on the matching account opening system through predetermined communication means. When provided outside, the electronic document transmitter 135 transmits the matching account electronic document generated by the electronic document generator 130 to the electronic document server 160 through the communication means. It is done.

Herein, when the electronic document server 160 and the electronic document D / B are provided outside the matching account opening system, the electronic document server 160 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the matching account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store a matching account electronic document in an electronic document D / B corresponding to an electronic document storage on a DBMS provided in the matching account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, a matching account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 160. It is possible to transmit to the electronic document repository further comprising the customer information, the financial institution information for transmitting the matching account electronic document, the electronic document file format information, or the matching account application information, etc.), Thereby, this invention is not limited.

Referring to FIG. 1, the financial institution server 100 authenticates the validity of the matching account application information received through the information receiving unit 115 through the validity checking unit 125 for matching support corresponding to the accumulated amount. Information for generating the financial account information based on the customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit information It is characterized in that it comprises a generation unit 140, and an account opening unit 145 for opening and processing the financial account of the customer name including the financial account information.

When the validity of the matching account application information is confirmed by the validity confirming unit 125, the information generating unit 140 includes customer information, matching support subject information, accumulated amount information, and support included in the matching account application information. The financial account information is generated based on ratio information, support amount information, and support fund deposit account information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the first account (a reserve account) opened based on the matching account application information, and the first account (the reserve account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and payment amount information.

In addition, the financial account information preferably comprises an account number and interest rate information corresponding to the second account (support fund account) opened based on the matching account application information, the second account (support fund account) is In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

The account opening unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the accumulated amount corresponding to the matching account application information It is characterized by opening the first account and the second account for matching support.

According to an embodiment of the present invention, the first account opened through the account opening unit 145 is an account in which the amount accumulated by the matching support target is deposited, and the second account is matched with the first account for the support money. It is characterized in that the account to be credited.

According to an embodiment of the present invention, when the financial institution server 100 and the financial system exist in the same system, the account opening unit 145 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

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

Referring to FIG. 1, the financial institution server 100 authenticates the validity of the matching account application information received through the information receiving unit 115 through the validity checking unit 125 for matching support corresponding to the accumulated amount. When the information on the matching account including at least one or more of the customer information included in the validity of the matched account application information, the matching support subject information, the amount of the reserve information, the support ratio information, the support amount information, the fund deposit account information; It is characterized in that it comprises an information storage unit 150 to be stored in a predetermined storage medium 155.

When the validity of the matching account application information is confirmed by the validity confirming unit 125, the information storage unit 150 matches the customer information included in the matching account application information, matching support subject information, accumulated amount information, Characterized in that the storage medium 155 is stored in the storage medium 155 matching account information including at least one or more support rate information, support amount information, support fund deposit account information.

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be The storage medium 155 includes a matching account setting report including at least one or more of the customer information included in the received matching account application information, matching support subject information, accumulated amount information, support ratio information, support amount information, and support fund deposit account information. ) Is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 155 is provided in a DBMS provided on a financial system, the information storage unit 150 may include the customer information included in the received matching account application information. Matching account setting information including at least one or more matching support information, accumulated amount information, support rate information, support amount information, support deposit account information provided to the information system through the external system on the financial system provided on the financial system It is desirable to store in a DBMS.

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

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

According to an embodiment of the present invention, the matching account electronic document received by the electronic document receiving unit 165 through the communication means may include an image file including the image content received by the financial institution server 100 from the terminal device. It is preferable to comprise as it is.

Alternatively, the matching account electronic document received by the electronic document receiving unit 165 through the communication means may include customer information included in the matching account application 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 or more information of matching support subject information, accumulated amount information, support ratio information, support amount information, and support deposit account information by a watermarking method. .

According to another embodiment of the present invention, the matching account electronic document received by the electronic document receiving unit 165 through the communication means includes a predetermined image content that the financial institution server 100 receives from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, the matching account electronic document received by the electronic document receiving unit 165 through the communication means is matched with customer information included in the matching account application information on the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, PDF (Portable) containing image content including at least one or more of information of a target person, information of a reserve amount, support ratio information, support amount information, and a payment deposit account information in a watermarking manner. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the matching account electronic document received by the electronic document receiving unit 165 through the communication means includes the image content and the matching account received by the financial institution server 100 from the terminal device. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. Document files).

Alternatively, the matching account electronic document received by the electronic document receiving unit 165 through the communication means is matched with customer information included in the matching account application information on the image content received by the financial institution server 100 from the terminal device. Image file including at least one or more information of the support target information, accumulated amount information, support ratio information, support amount information, support deposit account information by watermarking method and a predetermined document file including the matching account application information (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the matching account left 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 a time at which a matching account electronic document is received (or a date and time at which the matching account electronic document is stored).

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the financial institution server 100 that transmits the matching account electronic document received through the electronic document receiving unit 165 to refer to the matching account electronic document. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received electronic document. Document-related information (e.g., customer information for creating a matching account application corresponding to the image content, financial institution information for transmitting the matching account electronic document, electronic document file format information, or the matching account application information, etc.); It is preferable to generate electronic document management information that includes.

The electronic document storage unit 175 processes a matching account electronic document received through the electronic document receiving unit 165 and electronic document management information generated through the information generating unit 170 to process a predetermined electronic document D /. It is characterized by storing in B.

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

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 175 may be included in the matching account application information in the image content received by the financial institution server 100 from the terminal device. Comprising an image file corresponding to the image content including at least one or more information of the customer information, matching support subject information, accumulated amount information, support ratio information, support amount information, support deposit account information in a watermarking method (Watermarking) It is preferable.

According to another exemplary embodiment of the present invention, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 175 includes image content received by the financial institution server 100 from the terminal device. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 175 may be a customer included in the matching account application information in the image content received by the financial institution server 100 from the terminal device. A predetermined document file including image contents including at least one or more of information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information in a watermarking manner (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 175 may correspond to an image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the matching account request information, or an MHT; Web document files, etc.) to be included.

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 175 may be a customer included in the matching account application information in the image content received by the financial institution server 100 from the terminal device. Image content including at least one or more of information, matching support subject information, accumulated amount information, support rate information, support amount information, support fund account information in a watermarking method and the predetermined account including the matching account application information A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

According to the method of the present invention, the electronic document management information that the electronic document storage unit 175 processes in association with the matching account electronic document and stores in the electronic document D / B is assigned to the matching account electronic document. Preferably, the electronic document contains a unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 175 in association with the matching account electronic document is transmitted to the matching account electronic document. It is preferable that the financial institution server 100 further comprises information on the financial institution that has transmitted the matching account electronic document identified.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 175 processes the electronic document by linking with the matching account electronic document. The electronic document management information stored in the D / B may include the received electronic document related information (for example, customer information for creating a matching account application corresponding to the image content, or financial institution information for transmitting the matching account electronic document, or Electronic document file format information, or the matching account application information).

FIG. 2 is a diagram illustrating an implementation method in which a storage medium 155 for storing a matching account opening report corresponding to a matching account opened in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 is provided in the ledger D / B when the storage medium 155 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system or the ledger D / B. The information structure for one embodiment of the method of storing the matching account opening information stored in the ledger information, and if the person of ordinary skill in the art to which the present invention pertains, refer to or modify this drawing 2 to the ledger D It is possible to infer various information configuration methods for storing the matching account opening information in / B, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, and the customer ledger and matching shown in Figure 1 The account ledger corresponding to the financial account opened through the account opening system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, the financial The ledger D / B provided in the DBMS on the system maintains at least one ledger (for example, a ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for management is included, and that the technical details of Since a detailed description thereof will be omitted for convenience.

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

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

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

In accordance with an embodiment of the present invention, the storage medium 155 is the ledger D / B, or with reference to FIG. 2 including an implementation method provided in the ledger D / B, the matching shown in FIG. Recalling a matching account setting information including at least one or more of the customer information included in the matching account application information provided through the account opening system, matching support information, reserve amount information, support ratio information, support amount information, support deposit account information And is stored in the form of additional information added to the account ledger.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., the member ID information, or CIF, provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Customer Information File) number, etc.) is preferably included.

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone number) of an individual who accumulates a predetermined amount in the first account of the matching account. , A mobile phone number, an e-mail address, etc., and member information of the individual (e.g., on the financial system associated with the matching account opening system in response to the individual by subscribing as the financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, if the accumulated amount of money deposited by the matching support target is 200,000 won and the support rate is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

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

Figure 3 is a database linked to the ledger D / B equipped with a storage medium 155, which stores the matching account openings corresponding to the matching account opened in a face-to-face according to another embodiment of the present invention provided in the DBMS on the financial system Figure is a diagram showing an implementation method comprising a.

In more detail, FIG. 3 illustrates an information structure for an embodiment in which the storage medium 155 shown in FIG. 1 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configuration methods of referring to or modifying the drawing 3 and storing the matching account opening information in a predetermined database in association with the ledger D / B and storing the same. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the matching account set-up information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D / B of the financial institution). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the matching account opening statement is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

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

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 155 includes a database associated with a ledger D / B provided in a DBMS on a financial system. And storing a matching account opening setting information including at least one of the customer information, matching support subject information, accumulated amount information, supporting rate information, supporting amount information, and supporting money deposit account information. Preferably, the matching account further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone number) of an individual who accumulates a predetermined amount in the first account of the matching account. , A mobile phone number, an e-mail address, etc., and member information of the individual (e.g., on the financial system associated with the matching account opening system in response to the individual by subscribing as the financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

Figure 4 illustrates an implementation method comprising a DBMS provided with a storage medium 155 provided in the banking server for storing the matching account settings information corresponding to the matching account opened in a face-to-face according to another embodiment of the present invention Drawing.

In more detail, FIG. 4 shows a DBMS in which a storage medium 155 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention belongs, matching or stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 4 It will be possible to infer a method of organizing information on the account opening statement, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, wherein the storage medium 155 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is applied to the matching account application information. Characterized in that the customer information and matching support subject information, the amount of the reserve information, support ratio information, support amount information, support account deposit account information including at least one or more deposit account information, characterized in that for storing.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information, or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone number) of an individual who accumulates a predetermined amount in the first account of the matching account. , A mobile phone number, an e-mail address, etc., and member information of the individual (e.g., on the financial system associated with the matching account opening system in response to the individual by subscribing as the financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

5A and 5B illustrate a process of opening a matching account for matching support corresponding to an accumulated amount in a face-to-face manner according to an exemplary embodiment of the present invention.

5A and 5B show a terminal terminal in which a terminal device on a matching 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 in the financial system associated with the counter terminal through the customer information, matching support subject information, When the applicant prepares and submits a matching account application including at least one of the accumulated amount information, the support ratio information, the support amount information, and the fund deposit account information, the financial institution opens a matching account in a face-to-face manner based on the matching account application. As for the system configuration, specifically, when the customer completes the matching account application and submit to the window, After obtaining a predetermined image content corresponding to the matching account application through the predetermined image acquisition device at the window terminal and transmitting the predetermined image content to the financial institution server 100, input the matching account application information corresponding to the matching account application (or Select) and transmit to the financial institution server 100, the financial institution server 100 includes at least one of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, support deposit account information An implementation method of opening and processing the matching account based on the matching account application information is shown.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

Those skilled in the art to which the present invention belongs, infer various implementation methods for registering the matching account application information to the financial company server 100 at the window terminal by referring to or modifying the drawings 5a and 5b. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the matching account application and storing it in an electronic document storage, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

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

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

Referring to FIGS. 5A and 5B, at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and deposit payment account information is provided for a matching customer corresponding to the accumulated amount. When a matching account application form is prepared and submitted, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects to a predetermined communication channel, so that the corresponding amount of money corresponding to the matching account application is saved. When the user interface for the corresponding matching support is requested (500), the server correspondingly obtains the predetermined image content corresponding to the matching account application created by the customer through the predetermined image acquisition device in the terminal and the server Create (or extract) a user interface for transmission to a network (505), and generate (or add) via the financial network The transmitted user interface is transmitted to the terminal and output (step 510).

Thereafter, the terminal acquires image content corresponding to the matching account application through a predetermined image obtaining apparatus based on the user interface (515).

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

Subsequently, the server requests a matching account including at least one of customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit account information corresponding to the matching account application matching the image content. A user interface for inputting (or selecting) information to be transmitted to the server is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and outputted ( 535).

Thereafter, the terminal inputs (or selects) matching account application information including at least one of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information through the user interface. (540).

If the matching account application information including at least one or more of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information is input (or selected) through the user interface (545) The terminal transmits the input (or selected) matching account application information to the server through the financial network (550).

Thereafter, the server receives and reads the matching account application information including at least one of the customer information, matching support subject information, reserve amount information, support rate information, support amount information, and support fund deposit account information through the financial network. The validity of the matching account application information is checked (555).

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

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

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

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

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. It is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount of an image file corresponding to the image content including at least one or more information by a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the generated image content. File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a matching account electronic document for matching support corresponding to the accumulated amount. Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received matching account request information. Matching account for matching support corresponding to the accumulated amount by generating 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 a document.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. Generates image content including at least one or more information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the matching account application information, or Matching account for matching support corresponding to the accumulated amount by generating 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 a document.

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

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

As shown in FIG. 1, the electronic document repository includes an electronic document D / B and an electronic document server 160 connected to the server on the matching account opening system through predetermined communication means. In this case, the server preferably transmits the generated matching account electronic document to the electronic document server 160 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 matching account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the matching account opening system. It is possible to store in the electronic document D / B, whereby the present invention is not limited.

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the matching account 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 matching account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a matching account application corresponding to the image content, financial institution information for transmitting the matching account electronic document, or electronic document file format information). , Or the matching account application information).

If the matching account electronic document is stored in the electronic document repository (580), the server is the customer information included in the matching account application information, matching support subject information, reserve amount information, support rate information, support amount information, support money The financial account information is generated based on the deposit account information (585).

Herein, the financial account information may include an account number and an interest rate information corresponding to the first account (a reserve account) opened based on the matching account application information, and the first account (the reserve account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

In addition, the financial account information preferably comprises an account number and interest rate information corresponding to the second account (support fund account) opened based on the matching account application information, the second account (support fund account) is In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information. A financial account of the customer name including the information is opened (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the matching account application information. It is characterized by opening a predetermined financial account for matching support corresponding to the.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server may be linked to the financial system in a predetermined first account or first account including the financial account information in the ledger D / B. It is desirable to create an account ledger for two accounts.

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

According to an embodiment of the present invention, the first account opened through the server is an account in which the amount accumulated by the matching support target is deposited, and the second account is an account in which the support fund is accumulated by matching the first account. It is characterized by.

Thereafter, the server generates a matching account setting report including at least one or more of the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information. And store in a predetermined storage medium 155 (595).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer information included in the received matching account application information. Preferably, the storage medium 155 stores a matching account setting information including at least one or more matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information.

According to another embodiment of the present invention, when the storage medium 155 is provided in the DBMS provided on the financial system, the server includes the customer information and matching support subject information included in the received matching account application information, Matching account setting information including at least one or more amount information, support ratio information, support amount information, support deposit account information to provide the information system through the external system on the financial system to store in the DBMS provided on the financial system desirable.

Subsequently, the server sets predetermined financial account opening history information (for example, the matching account opening history, or a history of storing the matching account electronic document in the electronic document repository, or the matching account request information in the storage medium 155). Generating (or extracting) the information stored therein and transmitting it to the terminal (599).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the matching account opening system (or associated with the matching account opening system), wherein The storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 155 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the matching account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of establishing a matching account for matching support corresponding to the accumulated amount in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show a terminal device in which a terminal device on a matching 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 in the financial system associated with the counter terminal through the customer information, matching support subject information, When the applicant prepares and submits a matching account application including at least one of the accumulated amount information, the support ratio information, the support amount information, and the fund deposit account information, the financial institution opens a matching account in a face-to-face manner based on the matching account application. As for the system configuration, specifically, when the customer completes the matching account application and submit to the window, After the counter terminal inputs (or selects) matching account application information corresponding to the matching account application, transmits it to the financial institution server 100, predetermined image contents corresponding to the matching account application through a predetermined image acquisition device. Acquire and transmit to the financial company server 100, the financial company server 100 includes at least one of the customer information, matching support subject information, reserve amount information, support rate information, support amount information, support deposit account information An implementation method of opening and processing the matching account based on the matching account application information is shown.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

If one of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the matching account application information with the financial company server 100 at the window terminal by referring to or modifying the drawings 6a and 6b. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the embodiment shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the matching account application and storing it in an electronic document storage, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

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

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, matching support person information, reserve amount information, support rate information, support amount information, and fund deposit account information transmitted to the financial company server 100 are referred to as "matching account application information" for convenience.

Referring to FIGS. 6A and 6B, at least one of customer information, matching support target information, reserve amount information, support ratio information, support amount information, and deposit account information for a given customer to support matching corresponding to the accumulated amount When a matching account application form is prepared and submitted, the teller terminal shown in FIG. 1 connects to the server through a predetermined financial network and connects to a predetermined communication channel, so that the corresponding amount of money corresponding to the matching account application is saved. When requesting a user interface for a corresponding matching support (600), the server corresponding to the corresponding customer information, matching support target information, reserve amount information, support rate information, support amount information corresponding to the matching account application created by the customer And input (or select) matching account application information including at least one of funding account information and transmit it to the server. Generating a user interface (or extract), and 605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs (or selects) matching account application information including at least one of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information through the user interface. (615).

If the matching account application information including at least one or more of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information is input (or selected) through the user interface (620) In operation 625, the terminal transmits the input (or selected) matching account application information to the server through the financial network.

Thereafter, the server receives and reads the matching account application information including at least one of the customer information, matching support subject information, reserve amount information, support rate information, support amount information, and support fund deposit account information through the financial network. The validity of the matching account application information is checked (630).

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

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

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

On the other hand, if the validity of the matching account application information is authenticated (635), the server acquires the predetermined image content corresponding to the matching account application created by the customer through the predetermined image acquisition device in the terminal and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the matching account application through a predetermined image obtaining apparatus based on the user interface (655).

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

The server receiving the matching account request information and the image content from the terminal generates a predetermined matching account electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. It is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount of an image file corresponding to the image content including at least one or more information by a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the generated image content. File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a matching account electronic document for matching support corresponding to the accumulated amount. Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received matching account request information. Matching account for matching support corresponding to the accumulated amount by generating 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 a document.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. Generates image content including at least one or more information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the matching account application information, or Matching account for matching support corresponding to the accumulated amount by generating 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 a document.

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

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

As shown in FIG. 1, the electronic document repository includes an electronic document D / B and an electronic document server 160 connected to the server on the matching account opening system through predetermined communication means. In this case, the server preferably transmits the generated matching account electronic document to the electronic document server 160 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 matching account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the matching account opening system. It is possible to store in the electronic document D / B, whereby the present invention is not limited.

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the matching account 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 matching account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a matching account application corresponding to the image content, financial institution information for transmitting the matching account electronic document, or electronic document file format information). , Or the matching account application information).

If the matching account electronic document is stored in the electronic document repository (680), the server is the customer information included in the matching account application information, matching support subject information, reserve amount information, support rate information, support amount information, support money The financial account information is generated based on the deposit account information (685).

Herein, the financial account information may include an account number and an interest rate information corresponding to the first account (a reserve account) opened based on the matching account application information, and the first account (the reserve account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

In addition, the financial account information preferably comprises an account number and interest rate information corresponding to the second account (support fund account) opened based on the matching account application information, the second account (support fund account) is In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information included in the matching account application information, matching support person information, reserve amount information, support ratio information, support amount information, and support deposit account information. A financial account (matching account) in the name of the customer including the information is opened (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the matching account application information. It is characterized by opening the predetermined first account and the second account for matching support corresponding to the.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

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

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

Thereafter, the server generates a matching account setting report including at least one or more of the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information. And store in a predetermined storage medium 155 (695).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer information included in the received matching account application information. Preferably, the storage medium 155 stores a matching account setting information including at least one or more matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information.

According to another embodiment of the present invention, when the storage medium 155 is provided in the DBMS provided on the financial system, the server includes the customer information and matching support subject information included in the received matching account application information, Matching account setting information including at least one or more amount information, support ratio information, support amount information, support deposit account information to provide the information system through the external system on the financial system to store in the DBMS provided on the financial system desirable.

Subsequently, the server sets predetermined financial account opening history information (for example, the matching account opening history, or a history of storing the matching account electronic document in the electronic document repository, or the matching account request information in the storage medium 155). Generating (or extracting) the information stored therein and transmitting the same to the terminal (699).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the matching account opening system (or associated with the matching account opening system), wherein The storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 155 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the matching account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of establishing a matching account for matching support corresponding to the accumulated amount in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device on the matching account opening system illustrated in FIG. In the case of having a ledger server (not shown) function in the financial system associated with the counter terminal through the customer, a predetermined customer (eg, welfare institution, etc.) to open a matching account for matching support corresponding to the accumulated amount Fill out and submit a matching account application form that includes at least one of information, matching support person information, reserve amount information, support rate information, support amount information, and support fund deposit account information, and the financial institution will be confronted based on the matching account application. The present invention relates to a system for opening a matching account in a manner of forming a matching account. When submitting to the ward, the window terminal acquires predetermined image contents corresponding to the matching account application through a predetermined image acquisition device, inputs (or selects) matching account application information corresponding to the matching account application, and then When the image content and the matching account application information are transmitted to the financial institution server 100, the financial institution server 100 provides the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support money. An implementation method of opening and processing the matching account based on the matching account application information including at least one deposit account information is shown.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

Those skilled in the art to which the present invention pertains, infer various modification methods of registering the matching account application information to the financial company server 100 at the window terminal by referring to or modifying the drawings 7a and 7b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the matching account application and storing it in an electronic document storage, the process is omitted according to the intention of those skilled in the art. In this regard, the present invention is not limited thereto.

In addition, in the implementation method illustrated in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the matching account application through a predetermined image acquisition device, In addition, the user interface for inputting (or selecting) matching account application information corresponding to the matching account application is illustrated and described as being provided from the financial institution server 100, but a predetermined information registration program is provided in the counter terminal. The user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, matching support person information, reserve amount information, support rate information, support amount information, and fund deposit account information transmitted to the financial company server 100 are referred to as "matching account application information" for convenience.

Referring to FIGS. 7A and 7B, at least one of customer information, matching support target information, reserve amount information, support ratio information, support amount information, and deposit payment account information is provided for a matching customer corresponding to the accumulated amount. When a matching account application form is included and submitted, the window terminal shown in FIG. When requesting a user interface for a corresponding matching support (700), the server correspondingly inputs (or selects) matching account application information corresponding to the matching account application created by the customer in the terminal, and obtains a predetermined image. A user for acquiring predetermined image contents corresponding to the matching account application and transmitting the same to the server through a device. An interface is generated (or extracted) (705), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal inputs (or selects) matching account application information including at least one of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information through the user interface. (715).

If the matching account application information including at least one or more of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information is input (or selected) through the user interface (720) In operation 725, the terminal acquires image contents corresponding to the matching account application through a predetermined image obtaining apparatus based on the user interface.

If image content corresponding to the matching account application is obtained through the image acquisition device (730), the terminal transmits the matching account application information and the image content to the server through the financial network (735).

Thereafter, the server receives and reads the matching account application information including at least one of the customer information, matching support subject information, reserve amount information, support rate information, support amount information, and support fund deposit account information through the financial network. The validity of the matching account application information is checked (740).

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

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

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

On the other hand, if the validity of the matching account application information is authenticated (745), the server generates a predetermined matching account electronic document containing the image content (755).

According to an exemplary embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. It is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount of an image file corresponding to the image content including at least one or more information by a watermarking method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. Generate image content including at least one or more information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an electronic data interchange (EDI) file) including the generated image content. File, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to generate a matching account electronic document for matching support corresponding to the accumulated amount. Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or the like) including the image content received from the terminal device and the received matching account request information. Matching account for matching support corresponding to the accumulated amount by generating 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 a document.

Alternatively, the server may include customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information in the image content received from the terminal device. Generates image content including at least one or more information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the matching account application information, or Matching account for matching support corresponding to the accumulated amount by generating 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 a document.

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

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

As shown in FIG. 1, the electronic document repository includes an electronic document D / B and an electronic document server 160 connected to the server on the matching account opening system through predetermined communication means. In this case, the server preferably transmits the generated matching account electronic document to the electronic document server 160 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 matching account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the matching account opening system. It is possible to store in the electronic document D / B, whereby the present invention is not limited.

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the matching account 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 matching account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a matching account application corresponding to the image content, financial institution information for transmitting the matching account electronic document, or electronic document file format information). , Or the matching account application information).

If the matching account electronic document is stored in the electronic document repository (765), the server is the customer information included in the matching account application information, matching support subject information, reserve amount information, support rate information, support amount information, support money The financial account information is generated based on the deposit account information (770).

Herein, the financial account information may include an account number and an interest rate information corresponding to the first account (a reserve account) opened based on the matching account application information, and the first account (the reserve account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

In addition, the financial account information preferably comprises an account number and interest rate information corresponding to the second account (support fund account) opened based on the matching account application information, the second account (support fund account) is In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information included in the matching account application information, matching support person information, reserve amount information, support ratio information, support amount information, and support deposit account information. A first account and a second account of the customer name including the information are opened (775).

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or support account) that is matched and the funds are deposited.

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the matching account application information. It is characterized by opening a predetermined financial account for matching support corresponding to the.

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

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

Thereafter, the server generates a matching account setting report including at least one or more of the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information. The storage medium 155 to store in the predetermined storage medium 155 (780).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer information included in the received matching account application information. Preferably, the storage medium 155 stores a matching account setting information including at least one or more matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information.

According to another embodiment of the present invention, when the storage medium 155 is provided in the DBMS provided on the financial system, the server includes the customer information and matching support subject information included in the received matching account application information, Matching account setting information including at least one or more amount information, support ratio information, support amount information, support deposit account information to provide the information system through the external system on the financial system to store in the DBMS provided on the financial system desirable.

Subsequently, the server sets predetermined financial account opening history information (for example, the matching account opening history, or a history of storing the matching account electronic document in the electronic document repository, or the matching account request information in the storage medium 155). Generating (or extracting) the information stored therein and transmitting it to the terminal (785).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the matching account opening system (or associated with the matching account opening system), wherein The storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 155 is one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the matching account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

8 is a view showing a non-face-to-face matching account opening system for matching support corresponding to the accumulated amount according to another embodiment of the present invention.

In more detail, in Figure 8, a predetermined customer (eg, welfare institution, etc.) is provided with predetermined customer information, matching support target information, accumulated amount information, support ratio information, support amount information, and support fund deposit through a predetermined financial account opening interface. When providing matching account application information including at least one account information to the financial institution, the financial institution opens a matching account for matching support corresponding to the accumulated amount based on the matching account application information, and the matching As a system configuration for storing a matching account setting information for managing an account in a predetermined storage medium 850, those skilled in the art to which the present invention belongs, earned by referring to or modifying this figure 8 Various implementation methods for constructing a matching account opening system for matching support corresponding to the amount may be inferred. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may infer a configuration of a matching account establishment system that omits the method of storing the matching account electronic document in the electronic document repository by referring to or modifying the drawing 8. In addition, in the case where the matching account electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 8, the electronic document storage is provided in a DBMS located in the matching account opening system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the matching account electronic document is illustrated as being generated on the server side on the matching account opening system, but the present invention is not limited thereto. The electronic document may be generated at the terminal that inputs (or selects) the matching account request information and transmits the generated account (for example, the electronic document generating function provided at the server side is provided at the terminal to generate the matching account electronic document). The present invention is not limited thereto.

Hereinafter, receiving the matching account application information from the customer through a predetermined financial account opening interface on the matching account opening system shown in FIG. 8, the customer opens the matching account, and corresponds to a predetermined matching account. A component corresponding to at least one or more means or functional configurations for generating an electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a matching account establishment system for matching support corresponding to the accumulated amount includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a terminal device including the above, the terminal device is connected to the communication channel and the financial institution server 800 provided on the matching account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server When the user inputs (or selects) matching account application information for matching support corresponding to the accumulated amount through at least one user interface provided by the 800, the client terminal opens the matching account system through a predetermined network means. It is preferable to transmit to the financial institution server 800 provided on the.

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

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

In addition, the financial institution server 800 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial institution server 800 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11 according to a wireless communication network type to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 800, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 800 (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 800) are preferably provided.

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

In the matching 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 institution server 800. The customer performs a function of the financial account opening interface for registering the matching account application information for the matching support corresponding to the accumulated amount.

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

In the matching 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 800 may be used. The connecting financial network performs a function of a financial account opening interface for registering a matching account application information for matching support corresponding to the accumulated amount, or when the terminal device is the call terminal (not shown). The wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 may provide matching account application information for matching support by the customer corresponding to the accumulated amount. A terminal (or a terminal provided in an institution affiliated with the financial institution that is the terminal device) that performs a function of a financial account opening interface for registering. Server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial institution server 800 corresponds to the accumulated amount by the customer. It performs the function of the financial account opening interface for registering the matching account application information for matching support.

The storage medium 850 provided on the matching account opening system according to the present invention includes the customer information included in the matching account application information provided from the terminal device, matching support subject information, accumulated amount information, support ratio information, Characterized in that the storing the matching account setting information including at least one or more support amount information, support fund deposit account information.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone) of an individual who accumulates a predetermined amount in the first account of the matching account. Number, mobile phone number, e-mail address, etc., and member information of the individual (e.g., the financial system associated with the matching account opening system corresponding to the individual by the individual subscribing as a financial transaction customer of the financial institution). At least one member ID information, or CIF (Customer Information File) number and the like provided in the customer ledger provided in the.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

According to one embodiment of the invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the matching account opening system (or associated with the matching account opening system), wherein Storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the matching account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The financial institution server 800 provided on the matching account opening system according to the present invention is a generic term for the matching account opening system-side components connected to the terminal device through a predetermined network means, and includes at least one server (or Device) or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the 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 800 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 exemplary 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 800 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the telebanking server (or the server (or device)), Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the financial institution server 800 is connected to the TV banking system. A predetermined TV banking server or a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the TV banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

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

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

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 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 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 805 may be assigned with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 805 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 805 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 805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 8, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 supports matching corresponding to the accumulated amount. In order to generate (or extract) at least one user interface for inputting (or selecting) predetermined matching account application information to the financial institution server 800 and generating (or extracting) the interface unit 805, In response to the interface providing unit 810 providing the generated (or extracted) user interface to the terminal device, the terminal device inputs (or selects) the matching account application information through the user interface, and transmits it. And an information receiving unit 815 for receiving the matching account application information transmitted from the terminal device in association with the interface unit 805. It characterized by that.

The interface providing unit 810 is connected to the financial company server 800 and the predetermined communication channel through the interface unit 805, the matching corresponding to the accumulated amount to the financial company server 800 When requesting a user interface for support, the terminal apparatus generates (or selects) predetermined matching account application information and generates at least one user interface for transmitting to the financial institution server 800 through the network means, or Or extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the terminal apparatus through the network means in association with the interface unit 805.

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 810 is provided by a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

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 providing unit 810 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 805.

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 810 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

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 810 may be provided to the call terminal (not shown). Generating (or extracting) a user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 805. desirable.

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 810 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another exemplary embodiment of the present invention, the terminal apparatus includes at least one user interface for inputting (or selecting) predetermined matching account application information to the financial institution server 800 through the network means. When the information registration program is provided, an interface for generating (or extracting) a user interface for inputting (or selecting) predetermined matching account application information and transmitting it to the financial institution server 800 and providing it to the terminal device as described above. The providing unit 810 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs matching account application information including at least one of the customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit account information through the user interface (or And transmits the input (or selected) matching account application information to the financial institution server 800 through the network means. In response thereto, the information receiving unit 815 is connected to the interface unit 805 in order to And receiving the matching account application information transmitted from the terminal device.

According to an embodiment of the present invention, the terminal apparatus includes the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support account deposit account information including at least one or more of the financial company; The network 800 further includes at least one or more predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the matching account application information. It is preferable to transmit to the financial institution server 800 through the means.

According to an exemplary embodiment of the present invention, the terminal device includes at least one matching account application information including at least one of the customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit account information. Encrypt using the above encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, or key exchange based encryption method, etc.) or a predetermined electronic signature in the matching account application information. In addition, it is preferable to transmit the data to the financial institution server 800 through the network means. For this purpose, the terminal apparatus includes at least one encryption key corresponding to the encryption method, or includes at least one encryption key. Have a predetermined certificate or have the certificate In the case where the IC chip (or IC card) is provided, it is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

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

Referring to FIG. 8, when the matching account request information transmitted from the terminal device is received through the information receiving unit 815, the financial institution server 800 may receive the matching account request information corresponding to the accumulated amount. Characterized in that it comprises a validity check unit 820 to determine whether the validity for matching support.

According to an embodiment of the present invention, the matching account application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) Is encrypted, the validation unit 820 is one or more decryption methods (for example, symmetric key-based decryption, public key-based decryption, or electronic) corresponding to the encrypted matching account request information Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received matching account application information.

Alternatively, when a predetermined electronic signature is attached to the matching account application information, the validity verification unit 820 checks the electronic signature attached to the matching account application information, thereby validating the validity of the received matching account application information. It is desirable to authenticate.

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

When the matching account request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the matching account request information, the validity checking unit 820 ) Compares and authenticates the password included in the matching account application information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received matching account application information.

Alternatively, when the matching account application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the matching account application information, the validity confirming unit 820 may determine the validity of the matching account application information. It is preferable to authenticate the validity of the received matching account application information by comparing and authenticating the received security card information included in the matching account application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the matching account request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the matching account request information, the validity checking unit 820 may match the matching. The validity of the received matching account application information is verified by comparing and authenticating the received OTP code included in the account application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

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

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

Referring to FIG. 8, when the validity of the matching account request information is authenticated through the validity checker 820, the financial institution server 800 includes a predetermined matching account electronic document including the received matching account request information. And an electronic document transmitter 830 for transmitting the generated matching account electronic document to an electronic document repository associated with the matching account opening system.

The electronic document generating unit 825 generates a matching account electronic document including the matching account application information received from the terminal device through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, matching support subject information, accumulated amount information, and support ratio information included in the matching account application information received through the information receiving unit 815. Generating document content including at least one of support amount information and support deposit account information, and including a document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) including the document content; Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), as a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the electronic document generation unit 825 may include customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support money deposit included in the matching account application information received through the information receiving unit 815. Create document content including at least one account information, the customer information contained in the matching account application information, matching support subject information, reserve amount information, support rate information, support amount information, fund deposit account information After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or A word processor file including at least one of HWP / DOC, or a web document file including MHT) To handle accounts with matching electronic document for support are preferred.

Alternatively, the electronic document generation unit 825 may include customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support money deposit included in the matching account application information received through the information receiving unit 815. The accumulated amount of an image file including document content including at least one or more account information, and including image content (eg, image content generated by capturing the document content on a memory). It is preferable to process the matching account electronic document for matching support.

Alternatively, the electronic document generation unit 825 may include customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support money deposit included in the matching account application information received through the information receiving unit 815. Create document content including at least one account information, and included in the matching account application information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. After including at least one or more information of customer information, matching support target information, accumulated amount information, support ratio information, support amount information, support deposit account information in a watermarking method, and includes the image content including the watermarking. Preferably, the image file is processed into a matching account electronic document for matching support corresponding to the accumulated amount. .

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 includes customer information included in the matching account application information received through the information receiving unit 815, matching support subject information, accumulated amount information, and support ratio. Image content including at least one of information, support amount information, and support deposit account information, and capturing the document content (eg, image content generated by capturing the document content on a memory); A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to process the matching account electronic document for the matching support corresponding to the accumulated amount.

Alternatively, the electronic document generation unit 825 may include customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support money deposit included in the matching account application information received through the information receiving unit 815. Create document content including at least one account information, and included in the matching account application information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Create an image content including at least one or more information of customer information, matching support target information, accumulated amount information, support rate information, support amount information, support deposit account information by a watermarking method, and the watermarking is included. Document files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files containing embedded image content). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc.), to process the matching account electronic document for matching support corresponding to the accumulated amount. .

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 includes customer information, matching support subject information, accumulated amount information, and support included in the matching account application information received through the information receiving unit 815. Image content that includes at least one or more ratio information, support amount information, and support deposit account information, and captures the document content (eg, image content generated by capturing the document content on a memory). And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, or the like) including at least one document file including the matching account request information, or an MHT. By generating a web document file, including the), to process the matching account electronic document for the matching support corresponding to the accumulated amount Preferable.

Alternatively, the electronic document generation unit 825 may include customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support money deposit included in the matching account application information received through the information receiving unit 815. Create document content including at least one account information, and included in the matching account application information in the image content (e.g., image content generated by capturing the document content on a memory) captured by the document content. Create an image content including at least one or more information of customer information, matching support target information, accumulated amount information, support rate information, support amount information, support deposit account information by a watermarking method, and the watermarking is included. A document file (e.g., a Portable Document Format (PDF) file, or E) containing the image content and the matching account application information Matching account for matching support corresponding to the accumulated amount by generating a DI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to process the document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825 is a technical feature of generating a matching account electronic document of the image file format or a predetermined document file format, and the matching account 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 830 may transmit and store the matching account electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the matching account opening system.

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B linked to a financial institution server 800 on the matching account opening system through predetermined communication means. When provided externally, the electronic document transmitter 830 transmits the matching account electronic document generated by the electronic document generator 825 to the electronic document server 855 through the communication means. It features.

Herein, when the electronic document server 855 and the electronic document D / B are provided outside the matching account opening system, the electronic document server 855 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the matching account opening system, the electronic document transmission unit 830 may generate the electronic document generation unit 825. It is possible to store a matching account electronic document in an electronic document D / B corresponding to an electronic document storage on a DBMS provided in the matching account opening system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 830 inputs electronic document related information (for example, the matching account application information) for generating predetermined electronic document management information in the electronic document server 855 ( Select) and further transfer the customer information, the financial institution information for transmitting the matching account electronic document, the electronic document file format information, or the matching account application information, etc.) to the electronic document repository. The present invention is not limited thereby.

Referring to FIG. 8, the financial institution server 800 authenticates the validity of the matching account application information received through the information receiving unit 815 for matching support corresponding to the accumulated amount through the validity checking unit 820. Information for generating the financial account information based on the customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit information It is characterized in that it comprises a generation unit 835 and an account establishment unit 840 for opening and processing a financial account of the customer name including the financial account information.

When the validity of the matching account application information is confirmed by the validity confirming unit 820, the information generating unit 835 includes the customer information, matching support subject information, accumulated amount information, and support included in the matching account application information. The financial account information is generated based on ratio information, support amount information, and support fund deposit account information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the first account (a reserve account) opened based on the matching account application information, and the first account (the reserve account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

In addition, the financial account information preferably comprises an account number and interest rate information corresponding to the second account (support fund account) opened based on the matching account application information, the second account (support fund account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and payment amount information.

The account opening unit 840 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the accumulated amount corresponding to the matching account application information It is characterized by opening the first account and the second account for matching support.

According to an embodiment of the present invention, the first account opened through the account opening unit 840 is an account in which the amount accumulated by the matching support target is deposited, and the second account is matched with the first account for the support money. It is characterized in that the account to be credited.

According to an embodiment of the present invention, when the financial institution server 800 and the financial system exist in the same system, the account opening unit 840 may link the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 840 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 8, the financial institution server 800 authenticates the validity of the matching account application information received through the information receiving unit 815 for matching support corresponding to the accumulated amount through the validity checking unit 820. When the information on the matching account including at least one or more of the customer information included in the validity of the matched account application information, the matching support subject information, the amount of the reserve information, the support ratio information, the support amount information, the fund deposit account information; An information storage unit 845 is stored in a predetermined storage medium 850.

When the validity of the matching account application information is confirmed by the validity confirmation unit 820, the information storage unit 845 is the customer information included in the matching account application information, matching support subject information, accumulated amount information, Characterized in that the storage account 850 is stored in the storage account 850, including the matching ratio information, support amount information, support fund deposit account information at least one or more.

According to an exemplary embodiment of the present invention, when the storage medium 850 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 850. The storage medium (850) includes a matching account set-up report including at least one or more of the customer information included in the received matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information. ) Is preferable.

According to another exemplary embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the information storage unit 845 may include the customer information included in the received matching account application information. Matching account setting information including at least one or more matching support information, accumulated amount information, support rate information, support amount information, support deposit account information provided to the information system through the external system on the financial system provided on the financial system It is desirable to store in a DBMS.

Referring to FIG. 8, an electronic document server 855 which receives a predetermined matching account electronic document from the financial institution server 800 provided on the matching account opening system and stores and manages it in a predetermined electronic document D / B is provided. An electronic document receiver 860 for receiving a predetermined matching account electronic document from the financial institution server 800 through a predetermined communication means, and storing and managing the received matching account electronic document in the electronic document D / B. An information generation unit 865 for generating predetermined electronic document management information, and an electronic document storage unit 870 for storing the electronic document management information and the matching account electronic document in a predetermined electronic document D / B. It characterized by comprising a.

The electronic document receiver 860 may receive a matching account electronic document in the form of an image file or a document file from the financial institution server 800 through the communication means.

According to an embodiment of the present invention, the matching account electronic document received by the electronic document receiving unit 860 through the communication means is included in the matching account application information received by the financial institution server 800 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, or EDI file) including document content including at least one of information, matching support person information, reserve amount information, support rate information, support amount information, and support deposit account information. Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the matching account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information, matching support subject information, included in the matching account application information received by the financial institution server 800 from the terminal device, Document information including at least one reserve information, support ratio information, support amount information, support deposit account information, customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support After including at least one or more information of the amount of money information, support deposit account information by a watermarking method, a document file (for example, a PDF (Portable Document Format) file or EDI ( Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web document containing MHT. It comprises a work, etc.) are preferred.

Alternatively, the matching account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information, matching support subject information, included in the matching account application information received by the financial institution server 800 from the terminal device, Image content captured (e.g., image content generated by capturing the document content on a memory) including document content including at least one or more accumulated amount information, support ratio information, support amount information, and support fund deposit account information It is preferable to include an image file.

Alternatively, the matching account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information, matching support subject information, included in the matching account application information received by the financial institution server 800 from the terminal device, The image content (eg, image content generated by capturing the document content on the memory) is captured in the document content including at least one or more of the accumulated amount information, support ratio information, support amount information, and support fund deposit account information. After the watermarking method includes at least one or more information of the customer information, matching support target information, accumulated amount information, support ratio information, support amount information, fund deposit account information included in the matching account application information, It is preferable to include an image file including the included image content.

According to another exemplary embodiment of the present invention, the matching account electronic document received by the electronic document receiving unit 860 through the communication means is included in the matching account application information received by the financial institution server 800 from the terminal device. Image content capturing document content including at least one of customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information (eg, 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 HWP / DOC, etc.) including an image content generated by It is preferable that the web document file including a).

Alternatively, the matching account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information and matching support subject information included in the matching account application information received by the financial institution server 800 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one or more accumulated information, support ratio information, support amount information, and support deposit account information. Image content including at least one or more of the customer information included in the matching account application information, matching support subject information, accumulated amount information, support ratio information, support amount information, fund deposit account information in a watermarking method (Watermarking); A document file (eg, Portable Document Format (PDF)) containing the generated image content and the watermarking; File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the matching account electronic document received by the electronic document receiving unit 860 through the communication means is included in the matching account application information received by the financial institution server 800 from the terminal device. Image content capturing document content including at least one of customer information, matching support person information, accumulated amount information, support ratio information, support amount information, and support deposit account information (eg, the document content on a memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) including the captured image content) and the matching account application information. A word processor file, or a web document file including MHT).

Alternatively, the matching account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information, matching support subject information, included in the matching account application information received by the financial institution server 800 from the terminal device, The image content (eg, image content generated by capturing the document content on the memory) is captured in the document content including at least one or more of the accumulated amount information, support ratio information, support amount information, and support fund deposit account information. Create image content including watermarking method of at least one of customer information, matching support target information, accumulated amount information, support ratio information, support amount information, and deposit payment account information included in the matching account application information. And a document file including image content including the watermarking and the matching account application information (eg, Such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). Do.

The information generating unit 865 is a predetermined electronic document unique number (or unique information) to be assigned to the matching account electronic document received through the electronic document receiving unit 860, and the matching through the electronic document receiving unit 860 And generating electronic document management information including electronic document storage date and time information including a date and time when the account electronic document is received (or a date and time when the matching account electronic document is stored).

According to an exemplary embodiment of the present invention, the information generating unit 865 refers to the matching account electronic document by referring to the financial institution server 800 that transmits the matching account electronic document received through the electronic document receiving unit 860. It is preferable to identify the financial institution that has been transmitted and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 860, the information generating unit 865 may receive the received electronic document. Document-related information (for example, customer information transmitted by inputting (selecting) the matching account request information, financial institution information transmitting the matching account electronic document, electronic document file format information, or the matching account request information, etc.) It is preferable to generate the electronic document management information further comprising.

The electronic document storage unit 870 processes a matching account electronic document received through the electronic document receiving unit 860 and electronic document management information generated through the information generating unit 865 to process a predetermined electronic document D /. It is characterized by storing in B.

According to an exemplary embodiment of the present invention, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 is based on the matching account application information received by the financial institution server 800 from the terminal device. Document files (eg, PDF (Portable Document Format) files, including document content including at least one or more of the included customer information, matching support subject information, accumulated amount information, support ratio information, support amount information, support deposit account information, Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 may include customer information and matching support included in the matching account application information received by the financial institution server 800 from the terminal device. Customer information included in the matching account application information, documented information including at least one subject information, reserve amount information, support ratio information, support amount information, support deposit account information, matching support subject information, accumulated amount information, support ratio A document file (eg, a PDF (Portable Document Format) file) including document content including the watermarking after including at least one of information, support amount information, and fund deposit account information in a watermarking manner; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT. Etc.) is preferable.

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 may include customer information and matching support included in the matching account application information received by the financial institution server 800 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one or more of target information, reserve amount information, support ratio information, support amount information, and support deposit account information. It is preferable to include an image file containing a).

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 may include customer information and matching support included in the matching account application information received by the financial institution server 800 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one or more of target information, reserve amount information, support ratio information, support amount information, and support deposit account information. ) At least one or more of the customer information included in the matching account application information, matching support target information, accumulated amount information, support ratio information, support amount information, support deposit account information in a watermarking (Watermarking) method, Preferably, the image file includes an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 is matching account application information received by the financial institution server 800 from the terminal device. Image content (e.g., the document content) which captures document content including at least one or more of customer information, matching support target information, accumulated amount information, support ratio information, support amount information, and support deposit account information included in the A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file) including at least one HWP / DOC, etc. , Or a web document file including MHT).

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 may include customer information and matching support included in the matching account application information received by the financial institution server 800 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one or more of target information, reserve amount information, support ratio information, support amount information, and support deposit account information. ) At least one or more information of the customer information, matching support subject information, accumulated amount information, support ratio information, support amount information, support deposit account information included in the matching account application information in the watermarking method (Watermarking) A document file that generates content and includes image content including the watermarking (eg, Portable Document Format (PDF)). It comprises a day, or (Electronic Data Interchange) EDI file, or web document file containing a word processor comprising at least one of HWP / DOC, such as files, or the like MHT) is preferred.

According to another exemplary embodiment of the present invention, a matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 is a request for a matching account received by the financial institution server 800 from the terminal device. Image content (eg, the document content) which captures document content including at least one or more of customer information included in the information, matching support subject information, accumulated amount information, support ratio information, support amount information, and support deposit account information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content generated by capturing the image on a memory and the matching account application information. And at least one word processor file or web document file including MHT).

Alternatively, the matching account electronic document stored in the electronic document D / B by the electronic document storage unit 870 may include customer information and matching support included in the matching account application information received by the financial institution server 800 from the terminal device. Image content capturing document content including at least one person information, accumulated amount information, support ratio information, support amount information, and support deposit account information (eg, an image generated by capturing the document content on a memory) Contents) including at least one or more information of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the matching account application information in a watermarking manner. A document file that generates image content and includes the image content including the watermarking and the matching account application information (for example, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 870 in association with the matching account electronic document is stored in the predetermined electronic account. Preferably, the electronic document contains a unique number (or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 870 in association with the matching account electronic document is transmitted to the matching account electronic document. It is preferable that the financial institution server 800 further includes information on the financial institution that has transmitted the matching account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 870 processes the electronic document by linking with the matching account electronic document. The electronic document management information stored in the D / B includes the received electronic document related information (for example, customer information transmitted by inputting (selecting) the matching account request information) or financial institution information transmitting the matching account electronic document. Or electronic document file format information, or the matching account application information).

FIG. 9 is a diagram illustrating an implementation method in which a storage medium 850 for storing a matching account setting report corresponding to a matching account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

In more detail, in FIG. 9, when the storage medium 850 shown in FIG. 8 is provided in the ledger D / B in the DBMS on the financial system, or in the ledger D / B, it is provided in the ledger D / B. The information structure for one embodiment of the method of storing the matching account setter information is stored in the ledger information, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing of the ledger D. It is possible to infer various information configuration methods for storing the matching account opening information in / B, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, and the customer ledger and matching shown in Figure 8 The account ledger corresponding to the financial account opened through the account opening system and at least one information associated with the account ledger are shown to be included. If the person having ordinary knowledge in the technical field to which the present invention belongs, the financial The ledger D / B provided in the DBMS on the system maintains at least one ledger (eg, a ledger, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for management is included, and that the technical details of Since a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. At least one 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 The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

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

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

Referring to FIG. 9, wherein the storage medium 850 is the ledger D / B, or includes an implementation method provided in the ledger D / B, the matching shown in FIG. Recalling a matching account setting information including at least one or more of the customer information included in the matching account application information provided through the account opening system, matching support information, reserve amount information, support ratio information, support amount information, support deposit account information And is stored in the form of additional information added to the account ledger.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone number) of an individual who accumulates a predetermined amount in the first account of the matching account. , A mobile phone number, an e-mail address, etc., and member information of the individual (e.g., on the financial system associated with the matching account opening system in response to the individual by subscribing as the financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

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

10 is a storage medium 850 for storing a matching account opening information corresponding to a matching account opened in a non-face-to-face manner according to another embodiment of the present invention associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

More specifically, FIG. 10 illustrates an information structure for an exemplary method in which the storage medium 850 illustrated in FIG. 8 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for referring to or modifying the drawing 10 and storing the matching account opening information in a predetermined database in association with the ledger D / B and storing the same. Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when it is not easy to store the matching account opening information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the matching account opening statement is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 10, the storage medium 850 includes a database associated with the ledger D / B provided in a DBMS on a financial system. And storing a matching account opening setting information including at least one of the customer information, matching support subject information, accumulated amount information, supporting rate information, supporting amount information, and supporting money deposit account information. Preferably, the matching account further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone number) of an individual who accumulates a predetermined amount in the first account of the matching account. , A mobile phone number, an e-mail address, etc., and member information of the individual (e.g., on the financial system associated with the matching account opening system in response to the individual by subscribing as the financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

FIG. 11 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 850 for storing a matching account setup report corresponding to a matching account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. One drawing.

In more detail, in FIG. 11, the storage medium 850 shown in FIG. 8 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in a DBMS, those skilled in the art to which the present invention belongs, matching or stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 11 It will be possible to infer a method of organizing information on the account opening information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 850 includes a DBMS provided in a banking server. Referring to FIG. 11, a predetermined DBMS provided in the banking server is applied to the matching account application information. Characterized in that the customer information and matching support subject information, the amount of the reserve information, support ratio information, support amount information, support account deposit account information including at least one or more deposit account information, characterized in that for storing.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporation registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone number) of an individual who accumulates a predetermined amount in the first account of the matching account. , A mobile phone number, an e-mail address, etc., and member information of the individual (e.g., on the financial system associated with the matching account opening system in response to the individual by subscribing as the financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information preferably includes an account number corresponding to an account opened under the name of the customer to which the customer transfers a predetermined support fund to a second account (support fund account) among the matching accounts opened by the system. Do.

12A and 12B illustrate a process of establishing a matching account for matching support corresponding to the accumulated amount in a non-face-to-face manner according to an exemplary embodiment of the present invention.

12A and 12B illustrate a web server function in which a terminal device on the matching account opening system shown in FIG. 8 is a client terminal, and the financial institution server 800 can access a client terminal through a predetermined network means. In the case of having, a predetermined customer through the client terminal to open a matching account for matching support corresponding to the accumulated amount of customer information, matching support subject information, accumulated amount information, support ratio information, support amount information, When providing matching account application information including at least one support deposit account information, the matching account establishment system, the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, support deposit account information Based on the matching account application information including at least one or more corresponding to the accumulated amount The present invention relates to an implementation method of opening and processing the matching account for support, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the figures 12a and 12b and change the financial company server in the client terminal. Although it is possible to infer various implementation methods for registering the matching account application information at 800, the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, although the method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the matching account application information 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.

12A and 12B, the client terminal receives a user interface for inputting (or selecting) the matching account application information through a predetermined web page provided by the financial institution server 800. Although illustrated as being illustrated, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, and the present invention is not limited thereto.

According to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for predetermined support from a welfare institution), and the accumulation of the first account. It is characterized in that it comprises a second account (or grant account) that is matched with the grant money.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The customer information transmitted to the financial institution server 800, matching support subject information, accumulated amount information, support ratio information, support amount information, support deposit account information is referred to as "matching account application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Access a server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, and support matching with the accumulated amount. When requesting a web page including a user interface for the 1200 (1200), the server correspondingly at least one of the customer information, matching support target information, reserve amount information, support rate information, support amount information, support deposit account information Web page including a user interface for inputting (or selecting) the matching account request information including the above to transmit to the server The web page is generated (or extracted) (1205), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the network means and output (1210).

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 registration account registration information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs matching account application information including at least one or more customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit account information through a user interface included in the web page. (Or select) 1215.

If the terminal inputs (or selects) matching account application information including the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information through the user interface (1220); In operation 1225, the terminal transmits the input (or selected) customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit account information to the server through the communication channel. .

According to an embodiment of the present invention, the terminal may include at least one or more of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information in the server. 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 of the matching account application information, the server through the network means It is desirable to send to.

According to an embodiment of the present invention, the terminal includes at least one or more matching account application information including at least one or more of the customer information, matching support subject information, reserve amount information, support rate information, support amount information, and support deposit account information. Encrypt using an encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or attach a predetermined electronic signature to the matching account application information. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate containing at least one encryption key Or the official certificate has a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one or more matching account application information including at least one or more of the customer information, matching support subject information, reserve amount information, support rate information, support amount information, and support deposit account information. It is preferable to encrypt the encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC card) ), Check the official certificate provided on the IC chip (or IC card) It is preferably provided with a card reader for.

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

Thereafter, the server receives and reads the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support fund deposit account information through the communication channel to check the validity of the matching account application information. (1230).

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

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

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

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

Alternatively, when the received matching account application information further includes predetermined security card information for checking the validity of the matching account application information, the server may include the received security card information in the matching account application information. And by comparing and authenticating the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received matching account application information.

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

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

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

If the validity of the matching account application information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1240), and performs the matching account opening procedure. I never do that.

On the other hand, if the validity of the matching account application information is authenticated (1235), the server includes at least one or more customer information, matching support target information, accumulated amount information, support ratio information, support amount information, including the matching account application information, A predetermined document content including the support deposit account information is generated (1245), and a predetermined matching account electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server may include at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including MHT) is preferably processed as a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. Watermarking the at least one of customer information, matching support target information, reserve amount information, support ratio information, support amount information, and deposit payment account information included in the matching account application information in the document content. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT) as a matching account electronic document for matching support corresponding to the accumulated amount. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And processing an image file including the captured image content (eg, the image content generated by capturing the document content on a memory) into a matching account electronic document for matching support corresponding to the accumulated amount. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And customer information included in the matching account application information, matching support subject information, accumulated amount information, and support for image content (eg, image content generated by capturing the document content on a memory) which captured the document content. After including at least one or more information of the ratio information, support amount information, fund deposit account information by watermarking (Watermarking) method, to provide matching support corresponding to the accumulated amount of the image file including the image content including the watermarking; It is preferable to process the matching account electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT) It is preferable to process the matching account electronic document for the.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And customer information included in the matching account application information, matching support subject information, accumulated amount information, and support for image content (eg, image content generated by capturing the document content on a memory) which captured the document content. A document file including image information including at least one or more of ratio information, support amount information, and support fund deposit account information by a watermarking method, and the image content including the watermarking (eg, PDF ( Include at least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. By creating a web page file, and so on) that include the word-processor file, or MHT that is preferably treated with a matching electronic document account for matching support corresponding to the credited amount.

According to another exemplary embodiment of the present invention, the server includes at least customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. A predetermined document file including document content including at least one document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the matching account request information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the matching account electronic document for the matching support corresponding to the accumulated amount.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And customer information included in the matching account application information, matching support subject information, accumulated amount information, and support for image content (eg, image content generated by capturing the document content on a memory) which captured the document content. Documents including image information including at least one or more of ratio information, support amount information, and payment fund account information by a watermarking method, and including the watermarking image content and the matching account application information. Files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / DO) By generating a word processor file including at least one C, or a web document file including the MHT, etc.), it is preferable to process the matching account electronic document for the matching support corresponding to the accumulated amount.

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

Thereafter, the server stores the generated matching account electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes an electronic document D / B and an electronic document server 855 associated with a server on the matching account opening system through predetermined communication means. In this case, the server preferably transmits the generated matching account electronic document to the electronic document server 855 via 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 matching account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the matching account opening system. It is possible to store in the electronic document D / B, whereby the present invention is not limited.

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the matching account 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 matching account electronic document.

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

If the matching account electronic document is stored in the electronic document repository (1260), the server includes the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, support money The financial account information is generated based on the deposit account information (1265).

Herein, the financial account information may include an account number and an interest rate information corresponding to the first account (a reserve account) opened based on the matching account application information, and the first account (the reserve account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

In addition, the financial account information preferably comprises an account number and interest rate information corresponding to the second account (support fund account) opened based on the matching account application information, the second account (support fund account) is In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information included in the matching account application information, matching support person information, reserve amount information, support ratio information, support amount information, and support deposit account information. A financial account under the customer's name containing the information is opened (w70).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the matching account application information. It is characterized by opening a predetermined financial account for matching support corresponding to the.

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

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

According to an embodiment of the present invention, the first account opened through the server is an account in which the amount accumulated by the matching support target is deposited, and the second account is an account in which the support fund is accumulated by matching the first account. It is characterized by.

Thereafter, the server generates a matching account setting report including at least one or more of the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information. In operation 1275, the storage medium 850 is stored in a predetermined storage medium 850.

According to an embodiment of the present invention, when the storage medium 850 is provided in the server or on a network associated with the server, the server may include the customer information included in the received matching account application information. Preferably, the storage medium 850 stores matching account setting information including at least one or more matching support subject information, reserve amount information, support rate information, support amount information, and support fund deposit account information.

According to another embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the server includes the customer information and matching support subject information included in the received matching account application information, Matching account setting information including at least one or more amount information, support ratio information, support amount information, support deposit account information to provide the information system through the external system on the financial system to store in the DBMS provided on the financial system desirable.

Thereafter, the server sets predetermined financial account opening history information (for example, the matching account opening history, or a history of storing the matching account electronic document in the electronic document repository, or the matching account request information in the storage medium 850). The stored details) are generated (or extracted) and transmitted to the terminal (1280).

According to one embodiment of the invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the matching account opening system (or associated with the matching account opening system), wherein Storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the matching account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a process of establishing a matching account for matching support corresponding to an accumulated amount according to one embodiment of the present invention.

More specifically, FIGS. 13A, 13B, and 13C illustrate a case where the matching account opening system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the matching account opening shown in FIG. 8). In the case where the financial institution server 800 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined matching account application information to the internet banking server to open a matching account for matching support corresponding to the accumulated amount, the customer information and matching support subject information in the internet banking server. Matching account that includes at least one, the amount information, support ratio information, support amount information, support deposit account information The present invention relates to an implementation method of opening and processing the matching account for the matching support corresponding to the accumulated amount based on the application information. Those skilled in the art to which the present invention pertains are shown in the drawings 13a and 13b and the drawings. By referring to or modifying 13c, various implementation methods for registering the matching account application information through other types of non-face-to-face financial transaction channels may be inferred. However, the present invention includes all the implementation methods inferred from this figure. And the embodiment shown in FIGS. 13B and 13C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 13A, 13B, and 13C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering matching account application information between the client terminal and the Internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs, The client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C. between Although it may be possible to infer a method of connecting an internet banking-based financial transaction channel for registering a matching account application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of matching account application information. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. 13A, 13B and 13C. It is never limited to banking.

In addition, although the method shown in FIGS. 13A, 13B, and 13C 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 thereby.

In addition, according to the implementation method of the present invention, the matching account is a first account (or reserve account) accumulated by a matching support person (for example, a participant who applied for a predetermined support from a welfare institution) and the first account of the first account; Characterized in that it comprises a second account (or grant account) in which the grant is deposited in accordance with the accumulation.

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

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

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal 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 ( 1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information 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 (1315a), the server transmits 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 1320a.

If the terminal does not need to install or update the latest version of the security module for internet banking (1325a), or if the terminal does not need to load or update the security module for internet banking (1315a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1330a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and also the predetermined information on the information (or data) to be provided to the server to register the matching account 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). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of the matching account application information. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

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

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

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1340a). In operation 1345a, the server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where Internet banking The underlying financial transaction channel refers to a communication channel that can register and transmit predetermined matching account application information for matching support corresponding to the accumulated amount from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for matching support corresponding to the accumulated amount to the server through an internet banking-based financial transaction channel (1300b), the server corresponds to the customer information, Web including a user interface for inputting (or selecting) matching account application information including at least one or more matching support subject information, reserve amount information, support rate information, support amount information, and support fund deposit account information to the server; A page is generated (or extracted) (1305b), and a web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page includes matching account application information including at least one of customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information in the terminal. It is preferable to include a user interface for inputting (or selecting), or predetermined password or security card information (e.g., for internet banking application) to verify the validity of the Internet banking customer who requests to register the matching account application information. The security card information printed on the security card issued to the customer during the process, or the OTP (One Time Password) (for example, the internet banking application process (or after the internet banking application). The user interface for entering a one-time password generated by the program) It is preferable to.

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

Thereafter, the terminal inputs the matching account application information including at least one of the customer information, matching support target information, reserve amount information, support ratio information, support amount information, and support deposit account information through the financial account opening interface (or (1315b).

If the terminal inputs (or selects) matching account application information including the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information through the user interface (1320b); The terminal transmits the input (or selected) matching account application information to the server through the financial transaction channel (1325b).

According to an embodiment of the present invention, the terminal includes the customer information, matching support person information, reserve amount information, support ratio information, support amount information, and support account deposit account information including at least one or more server information in the application information; At least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the matching account request information; It is desirable to send to the server.

According to an embodiment of the present invention, the terminal includes at least one or more matching account application information including at least one or more of the customer information, matching support subject information, reserve amount information, support rate information, support amount information, and support deposit account information. Encrypt using an encryption method (eg, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or attach a predetermined electronic signature to the matching account application information. It is preferable to transmit to the server through the network means, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, or provided with a predetermined public certificate including at least one encryption key. Or the official certificate is a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one matching account application information including at least one of the customer information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information. It is preferable to encrypt the above encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. To this end, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC Card), check the official certificate provided on the IC chip (or IC card). It is preferable that a card reader for drawing is provided.

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

Thereafter, the server receives and reads the matching account application information through the financial transaction channel to check the validity of the matching account application information (1330b).

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

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

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

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

Alternatively, when the matching account application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the matching account application information, the server may add the matching account application information to the matching account application information. It is preferable to authenticate the validity of the received matching account application information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the matching account request information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the matching account request information, the server is included in the matching account request information. It is preferable to authenticate the validity of the received matching account application information by comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS. .

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

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

If the validity of the matching account application information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340b) and performs the matching account opening procedure. I never do that.

On the other hand, if the validity of the matching account application information is authenticated (1335b), the server at least one or more customer information, including the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, Generates predetermined document content including the support deposit account information (1345b), and generates a predetermined matching account electronic document including the document content (1350c).

According to an exemplary embodiment of the present invention, the server may include at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information. A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including MHT) is preferably processed as a matching account electronic document for matching support corresponding to the accumulated amount.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. Watermarking the at least one of customer information, matching support target information, reserve amount information, support ratio information, support amount information, and deposit payment account information included in the matching account application information in the document content. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT) as a matching account electronic document for matching support corresponding to the accumulated amount. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And processing an image file including the captured image content (eg, the image content generated by capturing the document content on a memory) into a matching account electronic document for matching support corresponding to the accumulated amount. It is desirable to.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And customer information included in the matching account application information, matching support subject information, accumulated amount information, and support for image content (eg, image content generated by capturing the document content on a memory) which captured the document content. After including at least one or more information of the ratio information, support amount information, fund deposit account information by watermarking (Watermarking) method, to provide matching support corresponding to the accumulated amount of the image file including the image content including the watermarking; It is preferable to process the matching account electronic document.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and payment deposit account information included in the received matching account application information. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT) It is preferable to process the matching account electronic document for the.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And customer information included in the matching account application information, matching support subject information, accumulated amount information, and support for image content (eg, image content generated by capturing the document content on a memory) which captured the document content. A document file including image information including at least one or more of ratio information, support amount information, and support fund deposit account information by a watermarking method, and the image content including the watermarking (eg, PDF ( Include at least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. By creating a web page file, and so on) that include the word-processor file, or MHT that is preferably treated with a matching electronic document account for matching support corresponding to the credited amount.

According to another exemplary embodiment of the present invention, the server includes at least customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. A predetermined document including document content including one or more and generating image content (eg, image content generated by capturing the document content on a memory) and the matching account request information. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to process the matching account electronic document for the matching support corresponding to the accumulated amount.

Alternatively, the server generates document content including at least one of customer information, matching support target information, reserve amount information, support rate information, support amount information, and support deposit account information included in the received matching account application information. And customer information included in the matching account application information, matching support subject information, accumulated amount information, and support for image content (eg, image content generated by capturing the document content on a memory) which captured the document content. Documents including image information including at least one or more of ratio information, support amount information, and support fund deposit account information by a watermarking method, and the image content including the watermarking and the matching account application information. Files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / DOC) By generating a word processor file including at least one or more, or a web document file including the MHT, etc.), it is preferable to process the matching account electronic document for the matching support corresponding to the accumulated amount.

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

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

As shown in FIG. 8, the electronic document repository includes an electronic document D / B and an electronic document server 855 associated with a server on the matching account opening system through predetermined communication means. In this case, the server preferably transmits the generated matching account electronic document to the electronic document server 855 via 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 matching account opening system, the server corresponds to the generated electronic document storage on the DBMS provided in the matching account opening system. It is possible to store in the electronic document D / B, whereby the present invention is not limited.

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

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the matching account 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 matching account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the matching account application information, or financial institution information transmitting the matching account electronic document, or electronic document file). Format information, or the matching account application information).

If the matching account electronic document is stored in the electronic document storage (1360c), the server is the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, support money The financial account information is generated based on the deposit account information (1365c).

Herein, the financial account information may include an account number and an interest rate information corresponding to the first account (a reserve account) opened based on the matching account application information, and the first account (the reserve account) In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

In addition, the financial account information preferably comprises an account number and interest rate information corresponding to the second account (support fund account) opened based on the matching account application information, the second account (support fund account) is In the case of including the savings attribute, it is preferable to further include a predetermined subscription period, payment date and time, and payment amount information.

Thereafter, the server is linked to the financial system based on the customer information included in the matching account application information, matching support person information, reserve amount information, support ratio information, support amount information, and support deposit account information. A financial account (matching account) in the name of the customer including the information is opened (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the matching account application information. It is characterized by opening a predetermined financial account for matching support corresponding to the.

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

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

Thereafter, the server generates a matching account personal information including at least one or more of the customer information included in the matching account application information, matching support subject information, reserve amount information, support ratio information, support amount information, and support deposit account information. And store in a predetermined storage medium 850 (1375c).

According to an embodiment of the present invention, when the storage medium 850 is provided in the server or on a network associated with the server, the server may include the customer information included in the received matching account application information. Preferably, the storage medium 850 stores matching account setting information including at least one or more matching support subject information, reserve amount information, support rate information, support amount information, and support fund deposit account information.

According to another embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the server includes the customer information and matching support subject information included in the received matching account application information, Matching account setting information including at least one or more amount information, support ratio information, support amount information, support deposit account information to provide the information system through the external system on the financial system to store in the DBMS provided on the financial system desirable.

Thereafter, the server sets predetermined financial account opening history information (for example, the matching account opening history, or a history of storing the matching account electronic document in the electronic document repository, or the matching account request information in the storage medium 850). (1380c) is generated (or extracted) and transmitted to the terminal.

According to one embodiment of the invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the matching account opening system (or associated with the matching account opening system), wherein Storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the matching account opening system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

14 is a view showing a matching account operating system for matching support corresponding to the accumulated amount according to an embodiment of the present invention.

More specifically, FIG. 14 corresponds to the accumulated amount by operating a matching account opened through the matching account opening system shown in FIG. 1 or 8 based on matching account operation information stored in the storage medium 1440. As a configuration of a system for achieving matching support, those skilled in the art to which the present invention pertains may refer to or modify this drawing 14 for a matching account operation system for matching support corresponding to the accumulated amount. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 14 according to an embodiment of the present invention, the matching account operating system may include a matching account (a first account (a reserve account) and a second account) established through the matching account opening system shown in FIG. 1 or 8. A financial system equipped with a ledger corresponding to (support fund account)), and a matching account operation including at least one of the customer information, matching support person information, reserve amount information, support ratio information, support amount information, and support deposit account information A storage medium 1440 for storing information and the matching account in connection with the financial system, and periodically checking the matching account operation information stored in the storage medium 1440 to support matching with the accumulated amount. It is characterized by comprising a matching account management server 1400 for realizing.

Here, the storage medium 1440 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 the skilled person, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the matching account management server 1400 is a ledger server provided in the financial system, or a financial company server on the matching account opening system shown in FIG. 1 or 8, or shown in FIG. 1 or 8 Various banking servers (e.g., an internet banking server, a wireless banking server, a tele banking server, a home banking server, a TV banking server, etc.) operating the matching account in connection with a financial system, or provide matching support corresponding to the accumulated amount. It may be a separate server provided to achieve, by which the present invention is not limited.

In addition, in FIG. 14, the matching account management server 1400 functions to operate the matching account in connection with the financial system, and periodically checks the matching account operation information stored in the storage medium 1440. Although illustrated as including all the functional configuration to achieve the matching support corresponding to the reserve amount, the present invention is not limited by this, the matching account management server 1400 is a separate server (or device) for each functional configuration It is clear that this can be achieved through).

The financial system is a general term for a computerized system in which a ledger corresponding to the matching account opened through the matching account opening system shown in FIG. 1 or 8 is provided, and is basically a branch (or a branch) of the financial institution. 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 include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) 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 (e.g., 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. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between a financial 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, etc.) Access to the financial system from telebanking, TV banking, etc.), 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 detailed technical matters, detailed description thereof will be omitted for convenience, and thereby the present invention is not limited.

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 1440, through the matching account opening system shown in Figure 1 or 8, the customer information, matching support target information, reserve amount information, support rate information, support amount information, support deposit account information, As a general term of a storage means for storing matching account operation information including at least one account information, second account information, the storage medium 1440 is provided in the ledger D / B on the financial system according to the intention of the skilled person It is possible to be provided in a predetermined database associated with the ledger D / B, or on at least one banking system.

The customer information is unique information of the customer (e.g., welfare institution, etc.) (e.g., customer's name, business registration number, corporate registration number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer. (E.g., member ID information or CIF (Customer) provided in the customer ledger provided on the financial system associated with the matching account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. Information file) or the like).

The matching support subject information requests matching support for asset formation through a welfare institution, etc., and unique information (eg, name, resident registration number, address, telephone number) of an individual who accumulates a predetermined amount in the first account of the matching account. , Mobile phone number, e-mail address, etc., and the member's member information (e.g., on the financial system associated with the matching account opening system corresponding to the individual by subscribing as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File) or the like) provided in the customer ledger provided is preferably included.

Preferably, the accumulated amount information includes an accumulated amount of money that the matching support subject periodically deposits in a first account opened by the system.

Preferably, the support ratio information includes a ratio (%) for calculating a matching support amount with respect to an accumulated amount deposited by the matching support target in the first account.

For example, when the accumulated amount of money deposited by the matching support target is 200,000 won and the support ratio is 150%, the matching support amount is 200,000 won x 1.5 = 300,000 won.

Preferably, the support amount information includes an amount of matching support corresponding to the first account accumulated amount of the matching support subject by the support rate, and is determined by the support rate (%), or the support rate is If not, it can be defined as a fixed amount.

The fund deposit account information includes an account number corresponding to an account opened under the customer name to which the customer transfers a predetermined support fund to a second account (support fund account) among matching accounts opened by the system. desirable.

Preferably, the first account information includes an account number corresponding to an account for which the amount of money periodically matched by the matching support person is accumulated, an expiration date, an interest rate, and the like.

The second account information includes an account number corresponding to an account for which a predetermined support amount is deposited from the support fund deposit account of the customer, matching the accumulation of the first account of the matching support subject, an expiration date, an interest rate, etc. It is preferable.

Referring to FIG. 14, the matching account operation server 1400 includes at least one of a teller terminal or a customer terminal for operating a matching account opened through the matching account opening system shown in FIG. 1 or 8. And an interface unit 1405 connecting a terminal device and a communication channel for operating the matching account, and a financial account operating unit for operating the matching account in connection with the financial system. The financial account operating unit may be composed of at least two or more functional components (or means) in more detail, whereby the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is an employee terminal (or a window terminal) connected to a predetermined communication network (for example, a financial network), the interface unit 1405 is based on a protocol stack defined in the communication network. Connecting a predetermined communication channel with the employee terminal, and transmitting and receiving at least one information (or data) for operating the matching account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another exemplary embodiment of the present invention, when the terminal device includes a wired terminal connected to a predetermined wired communication network, the interface unit 1405 is predetermined with the terminal device 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 matching account with the wired terminal using a communication protocol defined in a financial transaction program included in the terminal device. It is preferable.

For example, when the terminal apparatus is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the terminal apparatus based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a predetermined web page (for example, Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the matching account using the HTTP protocol defined in the browser program. .

Alternatively, when the terminal device is provided with a predetermined financial transaction program directly interworking with the matching account management server 1400, the interface unit 1405 establishes a communication channel with the terminal device based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for operating the matching account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the terminal device includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 may be connected to the terminal device 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 information (or data) for operating the matching account using a communication protocol defined in a financial transaction program included in the terminal device. .

For example, when the terminal device is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 1405 communicates with the terminal device based on the CDMA / WCDMA protocol. And a predetermined web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) or information (or a web page) for operating the matching account using the WAP / ME protocol defined in the browser program. Interface to send and receive data).

Alternatively, when the terminal device is provided with a predetermined financial transaction program directly interworking with the matching account management server 1400, the interface unit 1405 establishes a communication channel with the terminal device based on the CDMA / WCDMA protocol. And a communication interface for transmitting and receiving information (or data) for operating the matching account using a communication protocol defined in the financial transaction program.

The matching account operating unit 1410 operates the first account and the second account based on the matching account setting report included in the matching account operation information in connection with the terminal system and the financial system in which the matching account is established. Characterized in that.

According to an embodiment of the present invention, the matching account management unit 1410 periodically performs a financial transaction procedure for depositing the reserve of the matching support subject to the first account according to the request for depositing the first account deposit of the matching support subject. Preferably, it is preferable to record the deposit transaction details of the first account in the ledger corresponding to the matching account.

In addition, the matching account management unit 1410 periodically sends a request to the first account to the second account in response to a request for depositing a support money to a second account corresponding to the first account of the customer (eg, a welfare institution). It is preferable to perform a financial transaction procedure for depositing a matching support fund, and it is preferable to record the deposit transaction details of the second account in a ledger corresponding to the matching account.

Here, it is preferable that the support money deposited into the second account is transferred (including automatic transfer) from the support fund payment account of the customer.

In addition, the matching account management unit 1410 preferably performs a financial transaction procedure to withdraw (or transfer) the reserves accumulated in the first account in accordance with the request for withdrawal of the first account reserve of the matching support subject, It is preferable to record the withdrawal transaction details of the first account in the ledger corresponding to the matching account.

In addition, the matching account manager 1410 periodically checks the amount accumulated in the first account, and interest (or proceeds) on the accumulated amount according to the interest rate (or yield) corresponding to the first account. It is preferable to calculate a, deposit the calculated interest (or proceeds) into the first account, and record the interest (or proceeds) deposit details in the ledger corresponding to the first account.

In addition, the matching account manager 1410 periodically checks the amount accumulated in the second account, and interest (or proceeds) on the accumulated amount according to the interest rate (or yield) corresponding to the second account. It is preferable to calculate a, deposit the calculated interest (or proceeds) into the second account, and record the interest (or proceeds) deposit details in the ledger corresponding to the second 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. 14, the matching account management server 1400 stores the storage medium 1440 while the financial account manager operates the matching account in association with the financial system for matching support corresponding to the accumulated amount. And an information checking unit 1415 for confirming that the deposits of the first account and the first account included in the matching account operation information are normally deposited, and when the deposit of the first account is normally deposited, the first account. An information processing unit 1420 which checks the second account information, the support information and the customer information matching the account, withdraws a predetermined support money from the support fund deposit account of the customer (eg, welfare institution, etc.) and deposits the deposit into the second account. It is characterized by comprising a).

The information checking unit 1415 checks whether the deposit of the first account and the first account included in the matching account operation information is normally deposited in connection with the storage medium 1440. Reserve deposit details are provided to the information processing unit 1420.

According to the method of the present invention, the information checking unit 1415 is a request for cancellation of the first account reserve of the matching support subject is confirmed, the request details of the cancellation of the first account reserve of the matching support subject; The information processing unit 1420 provided to the information processing unit 1420 and receiving the request for termination of the first account reserve, the interest for the amount accumulated in the first account in connection with the matching account management unit 1410. It is characterized in that the first account reserve including the calculated interest to be withdrawn to the matching support subject, or to be deposited into the account requested by the matching support subject.

In addition, according to an embodiment of the present invention, the information check unit 1415 is a request for termination of the first account reserve of the matching support subject is confirmed, the request details of the first account reserve expiration of the matching support subject is confirmed Is provided to the information processing unit 1420, the information processing unit 1420 received the request details of the expiration of the first account reserve is linked to the matching account management unit 1410 for the amount accumulated in the first account The first account reserve including the calculated interest by calculating the interest and the second account support including the calculated interest by calculating the interest for the support amount accumulated in the second account to the matching support subjects withdrawn Alternatively, the matching support target is characterized in that the deposit processing to the requested account.

When the information processing unit 1420 receives a request for termination of the first account deposit from the information checking unit 1415, the second account information and the support fund information matching the first account in connection with the storage medium 1440. Checks the customer information, and withdraws a predetermined support money from the support fund deposit account of the customer (eg, a welfare institution, etc.) in connection with the matching account operating unit 1410 and deposits the funds into the second account. .

In addition, when the information processing unit 1420 receives the request for termination of the first account reserve, the information processor 1420 calculates the interest for the amount accumulated in the first account in connection with the matching account manager 1410 and calculates the interest. It is characterized in that the withdrawal of the first account deposit including the interest to the matching support subject, or the deposit support process to the account requested by the matching support subject.

According to the method of the present invention, in the case of the request for termination of the reserve of the first account, the information processing unit 1420 automatically cancels the second account matching the first account (according to the request for termination of the customer). (Including a termination map), and automatically deposits the support money accumulated in the second account in connection with the matching account management unit to an account (eg, a fund deposit account, etc.) of the customer (eg, a welfare institution). do.

In addition, when the information processing unit 1420 receives a request for expiration of the first account deposit, the information processing unit 1420 calculates the interest for the amount accumulated in the first account in connection with the matching account manager 1410, and calculates the interest. Calculating the interest on the first account deposit and the support amount accumulated in the second account to withdraw the second account support fund including the calculated interest to the matching support subject, or the matching support subject Characterized in that the deposit processing to the requested account.

On the other hand, according to the embodiment of the present invention, the matching account management server 1400, in the course of operating the matching account, the middle of the termination permit or the expiration of the permission for the termination of the first account of the matching support subject; It may be configured to further include an information receiving unit 1425 receiving the termination request information or expiration request information including the from the customer (eg, welfare institution, etc.).

According to the method of the present invention, the customer (eg, welfare institution, etc.) visits the financial institution branch for the termination of the first account of the matching support subject, and through the window provided at the financial institution branch ( Or through a window clerk) prepare a predetermined application (e.g., a document with a form for filling in at least one information item for the first account termination processing) for the matching account termination processing of the matching support subject When the completed application is submitted to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal displays the input (or selected) information. It is preferable to transmit to the matching account management server 1400 provided on the matching account management system through a financial network.

According to another exemplary embodiment of the present invention, the customer (eg, a welfare institution) may use the matching account management server through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. 1400, and includes a revocation permit or expiration permit for revocation processing of the first account of the matching support subject through at least one user interface provided by the matching account operation server 1400. When the request information or the expiration request information is input (or selected), it is preferable that the client terminal transmits the request to the matching account management server 1400 provided on the matching account management system through a predetermined network means.

According to the method of the present invention, the first account of the matching support subject provided by the customer (eg, welfare institution, etc.), the request information or the expiration request information, the first account of the matching support subject is canceled. It is preferable that the permission is included.

On the other hand, according to the embodiment of the present invention, the matching account management server 1400, in the course of operating the matching account, halfway permission history information or expiration permission for the termination of the first account of the matching support subject When the breakdown information is received from the customer (eg, a welfare institution, etc.) through the information receiving unit 1425, the matching account management information for the termination cancellation permission information or the expiration permission information for termination of the received first account is operated. It may be configured to include an information storage unit 1430 included in the information or stored in association with the matching account operation information.

On the other hand, according to an embodiment of the present invention, the matching account management server 1400, in the process of operating the matching account, the middle termination permission history information or expiration permission permission for the termination of the first account of the matching support subject After the information is processed in association with the matching account operation information through the information storage unit 1430 and stored in the storage medium 1440, the first account reserve of the matching support subject is canceled through the information checking unit 1415. When the request or the expiration request is confirmed, the first account reserve of the matching support subject based on the middle termination permit history information or the expiration termination permit history information for the termination of the first account stored in the storage medium 1440 It may be configured to include a validity check unit 1435 for checking the validity of the cancellation request or the expiration request.

According to the exemplary embodiment of the present invention, the information processing unit 1420 preferably performs a middle termination process or an expiration termination process according to the result of the validity check of the validity check unit 1435.

15 is a diagram illustrating a matching account operating process for matching support corresponding to the accumulated amount according to an embodiment of the present invention.

In more detail, FIG. 15 illustrates a matching account stored in the storage medium 1440 using a matching account established through the matching account opening system shown in FIG. 1 or 8 on the matching account operating system shown in FIG. As a process for achieving matching support corresponding to the accumulated amount by operating on the basis of information, a person having ordinary knowledge in the technical field to which the present invention pertains refers to or modifyes this drawing 15 to correspond to the accumulated amount. Various implementation methods for the matching account operation process for matching support 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. No.

Hereinafter, in FIG. 15, the terminal device shown in FIG. 14 will be referred to as "terminal" for convenience, and the matching account operation server 1400 shown in FIG. 14 will be referred to as "server" for convenience.

Referring to FIG. 15, a first account and a second account which are mutually matched through the matching account opening system shown in FIG. 1 or 8 are opened, and the matching account operation information for the opened matching account is stored in a storage medium ( After storing in step 1440, the server periodically checks whether the deposit is normally deposited in the first account (1500).

Here, it is preferable that the confirmation of whether the deposit is normally deposited in the first account includes checking whether the reserve fund has been deposited from the matching support person within a predetermined time period (or date).

When the normal deposit of the deposit of the first account is confirmed (1505), the server checks the second account information, the customer information, the grant information, and the fund deposit account information matching the first account in association with the storage medium 1440. (1510).

In operation 1515, the server withdraws the support money to be matched with the first account from the support money deposit account and deposits it into a second account matching the first account.

When a support fund matching the first account reserve is deposited in the second account (1520), the server records the deposit processing history in the ledger.

16 is a diagram illustrating a matching account operating process for matching support corresponding to the accumulated amount according to another embodiment of the present invention.

In more detail, FIG. 16 illustrates a matching account stored in the storage medium 1440 using a matching account opened through the matching account opening system shown in FIG. 1 or 8 on the matching account operating system shown in FIG. In the process of operating on the basis of information, in the case of requesting the termination of the first account of the matching support subject, the process of canceling the middle of the first account, having a general knowledge in the technical field to which the present invention belongs If it grows, it will be able to infer various implementation methods for the process of canceling the reserve amount of the first account by referring to or modifying the drawing 16, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the terminal device shown in FIG. 14 will be referred to as "terminal" for convenience, and the matching account operation server 1400 shown in FIG. 14 will be referred to as "server" for convenience.

Referring to FIG. 16, a first account and a second account which are mutually matched through the matching account opening system shown in FIG. 1 or FIG. 8 are opened, and the matching support subject cancels the reserve of the first account. If the customer (e.g., welfare institution, etc.) to apply for the termination (1600), the customer (e.g., welfare institution) provides the server with the cancellation request information of the matching support subject, and the customer ( For example, a welfare institution or the like) receives the request information for the first account of the matching support subject (1605).

According to the embodiment of the present invention, the customer (eg, welfare institution, etc.) visits the financial institution branch for the cancellation of the first account of the matching support subject, and through the window provided at the financial institution branch. A document with a form for filling in at least one information item for processing the first account cancellation of the first account (e.g., through a teller) When the completed application is submitted to the teller, the teller inputs (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal enters the input (or selects) It is preferable to transmit the information to the matching account management server 1400 provided on the matching account management system through the financial network.

According to another exemplary embodiment of the present invention, the customer (eg, a welfare institution) may use the matching account management server through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. 1400 and enters (or selects) a cancellation cancellation permission for the first account cancellation cancellation process of the matching support subject through at least one user interface provided by the matching account operation server 1400. The client terminal preferably transmits to the matching account management server 1400 provided on the matching account management system through a predetermined network means.

When the first account requesting request information of the matching support subject is received, the server associates the received first account requesting request information and the first account information (or matching account operation information) with the storage medium 1440. In 1610.

According to an embodiment of the present invention, the request information for the first account of the matching support subject provided from the customer (eg, a welfare institution, etc.) includes information that the customer permits the cancellation of the first account of the matching support subject. It is preferable that it is included.

Thereafter, when the first account request for middle payment of the matching support subject is confirmed (1615), the server may request for the first account middle of the matching support subject based on the first account middle termination request information stored in the storage medium 1440. The validity of the cancellation request is checked (1620).

When the validity of the first account middle termination request of the matching support subject is confirmed (1625), the server processes the first account middle termination according to the first account middle termination request of the matching support subject (1630). The interest on the reserve of the first account is calculated (1635).

In addition, the server pays the reserve and calculated interest of the first account to the matching support subject (including transfer) (1640), and the central processing history and reserve payment details of the first account to the customer (welfare institution). Notify (1645).

17 is a diagram illustrating a matching account operating process for matching support corresponding to the accumulated amount according to another embodiment of the present invention.

In more detail, FIG. 17 illustrates a matching account stored in the storage medium 1440 using a matching account opened through the matching account opening system shown in FIG. 1 or 8 on the matching account operating system shown in FIG. 15. In the process of operating on the basis of information, when requesting the termination of the first account matching support subject, the process of expiration of the first account, having a general knowledge in the technical field to which the present invention belongs If it grows, it will be able to infer various implementation methods for the process of expiration of the accumulated amount of the first account by referring to or modifying the drawing 17, the present invention comprises all the implementation methods inferred, this figure The technical features are not limited only to the implementation method shown in 17.

Hereinafter, in FIG. 17, the terminal device illustrated in FIG. 14 will be referred to as a “terminal” for convenience, and the matching account operation server 1400 shown in FIG. 14 will be referred to as a “server” for convenience.

Referring to FIG. 17, a first account and a second account which are mutually matched through the matching account opening system shown in FIG. 1 or FIG. 8 are opened, and the matching support subject is for the expiration of the reserve of the first account. When applying for termination of expiration to the customer (eg, welfare institution, etc.) (1700), the customer (welfare agency) provides the expiration request information of the matching support subject to the server, and the customer (eg, Welfare institutions, etc.) receives the request information for expiration of the first account of the matching support subject (1705).

According to the method of the present invention, the customer (eg, welfare institution, etc.) visits the financial institution branch for the termination of the first account expiration of the matching support subject, and through the window provided in the financial institution branch (Or through a teller) a predetermined application for termination of the first account of the matching support subject (e.g., a document with a form for filling in at least one information item for the termination of the first account) When the completed application is submitted to the clerk, the clerk inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal receives the input (or selected) information. It is preferable to transmit to the matching account management server 1400 provided on the matching account management system through the financial network.

According to another exemplary embodiment of the present invention, the customer (eg, a welfare institution) may use the matching account management server through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. 1400 and enter (or select) expiration permission information for expiration termination processing of the first account of the matching support subject through at least one user interface provided by the matching account management server 1400. Preferably, the client terminal transmits a matching account management server 1400 provided on the matching account management system through a predetermined network means.

When the first account expiration request information of the matching support subject is received, the server associates the received first account expiration request information and the first account information (or matching account operation information) with the storage medium 1440. In operation 1710.

According to the method of the present invention, the first account expiration request of the matching support subject provided from the customer (eg, welfare institution, etc.) includes the termination of the first account expiration of the matching support subject. Etc.) is preferably included.

Subsequently, when the request for expiration of the first account of the matching support subject is confirmed (1715), the server expires the first account of the matching support subject based on the first account expiration request information stored in the storage medium 1440. The validity of the cancellation request is checked (1720).

In this case, the validity confirmation of the expiration request is preferably made, including confirmation of the expiration date of the first account.

When the validity of the first account expiration request of the matching support subject is confirmed (1725), the server matches a first account and the first account according to the first account expiration request of the matching support subject. The expiration of the account is processed (1730), and the interest on the deposit of the first account is calculated (1735).

In operation 1740, the server calculates a support fund accumulated in a second account matching the first account and interest thereof.

Thereafter, the server pays (including transfers) the reserve and calculated interest of the first account, the accumulated support fund and calculated interest of the second account to the matching support target (1745), and the first account and the first account. Notify the customer (welfare agency) of the expiration processing details of the two accounts and the payment details of the reserve (1750).

According to the present invention, there is an advantage of encouraging saving activities of the low-income class (eg, second-class and second-class) with earned income, and at the same time, assisting them in economically forming assets.

Claims (5)

The matching support subject designated by the customer is operated by matching with the first account (or reserve account) and the reserve account, which periodically accumulates a certain amount, and the customer accumulates a certain ratio of the support amount of the amount accumulated in the reserve account. Opening a second account (or grant account) in the name of a customer (or institution); Periodically checking whether deposits are normally deposited in the opened first account; And If the deposit of the first account is normally deposited, check the second account information, the support information, the fund deposit account information matching the first account, and a certain percentage of the amount accumulated in the reserve account from the fund deposit account And withdrawing the support funds and depositing the funds into the second account. The method of claim 1, When the request for cancellation of the first account of the matching support subject is calculated, the interest for the amount accumulated in the first account is calculated to withdraw the first account deposit including the calculated interest to the matching support subject; Or deposit into the account requested by the matching support subject, In case of request for termination of the first account of the matching support subject, a first account deposit including the calculated interest is calculated by calculating interest on the amount accumulated in the first account, and the support accumulated in the second account. Calculating an interest on an amount of money and withdrawing the second account support fund including the calculated interest to the matching support person, or depositing the funds into an account requested by the matching support person; How to operate a matching account. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. The matching support subject designated by the customer is operated by matching with the first account (or reserve account) and the reserve account, which periodically accumulates a certain amount, and the customer accumulates a certain ratio of the support amount of the amount accumulated in the reserve account. Matching account opening means for opening a second account (or grant account) in the name of a customer (or institution); When the deposit of the first account is normally deposited, the first account and the second account are matched and operated so that a certain percentage of the amount of the funds accumulated in the reserve account is deposited into the second account that matches the first account. Matching account operating system for payment of both the reserve of the first account and the support of the second account when the expiration of the first account, the matching account management system comprising a. The method of claim 4, wherein the matching account operating means, Matching account management system, characterized in that to pay only the reserve of the first account when the middle of the first account.

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