KR20100036458A

KR20100036458A - System and method for providing internet-banking service and recording medium

Info

Publication number: KR20100036458A
Application number: KR1020080095699A
Authority: KR
Inventors: 김동명
Original assignee: 주식회사 신한은행
Priority date: 2008-09-30
Filing date: 2008-09-30
Publication date: 2010-04-08

Abstract

PURPOSE: A system and a method for providing an internet-banking service and a recording medium therefor are provided to supply image information of an adjacent branch or an adjacent business office, thereby providing intimacy to the customer. CONSTITUTION: If a terminal requests use for an Internet banking service, terminal identification information about the terminal is checked. The location of the terminal is checked based on the terminal identification information. A web page is generated(210). The web page includes image information and a bank transaction UI about a branch or a business office. The web page is transmitted to the terminal(215).

Description

System and Method for Providing Internet-Banking Service and Recording Medium}

1 is a diagram illustrating an information registration system for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch) according to an embodiment of the present invention.

2 is a diagram illustrating an information registration process for providing an internet virtual cyber branch using an image of an actual offline branch (or branch) according to an exemplary embodiment of the present invention.

3 is a diagram illustrating an information registration process for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch) according to another exemplary embodiment of the present invention.

4 is a diagram illustrating an information registration process for providing an internet virtual cyber branch using an image of an actual offline branch (or branch) according to another exemplary embodiment of the present invention.

5 is a diagram illustrating an information registration process for providing an internet virtual cyber branch using an image of an actual offline branch (or branch) according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating an information registration process for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch) according to another exemplary embodiment of the present invention.

7 is a diagram illustrating an information registration process for providing an internet virtual cyber branch using an image of an actual offline branch (or branch) according to another embodiment of the present invention.

8 is a diagram illustrating an Internet virtual cyber point operating system for providing an internet virtual cyber point based on an offline point according to an embodiment of the present invention.

9A and 9B illustrate a process of providing an internet virtual cyber branch based on an offline branch and processing a financial transaction requested by a customer according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of providing an internet virtual cyber branch based on an offline branch and processing a financial transaction requested by a customer according to one embodiment of the present invention.

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information confirmation unit

130: information storage unit 135: storage medium

140: Customer Management D / B 145: Employee Management D / B

150: client terminal

The present invention provides a method for providing an Internet banking service to one or more terminals requesting a financial transaction service through the Internet. When the terminal requests the use of the Internet banking service, the terminal checks the unique information of the terminal. Confirming the location of the terminal based on the identified terminal unique information, identifying a branch (or branch) of a financial institution adjacent to the identified terminal position, and performing image information on the identified branch (or branch); Generating (or extracting) a web page including a financial transaction UI (user interface), and processing the Internet banking service including the step of transmitting the generated (or extracted) web page to the terminal for output. It is about.

The convergence of the development of information and communication technology and the development of the financial industry provides a new type of financial service called Internet banking to people who want to use financial services in addition to visiting financial institutions and using them.

However, in the case of Internet banking, since there is a uniform screen for all, there is a difficult problem that the friendliness and the like are inferior to customers who use financial services.

An object of the present invention for solving the above problems, the system for providing an Internet banking service to one or more terminals requesting a financial transaction service over the Internet, when the terminal requests to use the Internet banking service, for the terminal Means for confirming the terminal unique information, the location of the terminal based on the identified terminal unique information, a point (or a branch) of a financial institution adjacent to the identified terminal location, and checking the identified point ( Or means for generating (or extracting) a web page including image information and a financial transaction UI (user interface), and means for processing the generated (or extracted) web page to be transmitted to the terminal for output. In providing an internet banking service providing system comprising a.

The method for providing an internet banking service to one or more terminals requesting a financial transaction service through the Internet according to the present invention, when the terminal requests the use of the Internet banking service, checks the terminal specific information for the terminal, and Confirming the location of the terminal based on the identified terminal unique information, identifying a branch (or branch) of a financial institution adjacent to the identified terminal position, and performing image information on the identified branch (or branch); And generating (or extracting) a web page including a financial transaction UI (User Interface), and processing the generated (or extracted) web page to be transmitted to the terminal for output. .

In the method for providing an Internet banking service according to the present invention, the image information on the identified point (or branch) is internal / external image information on the identified point (or branch), or the identified point (or Sales office caricature image of the employee belonging to).

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

On the other hand, the system for providing an Internet banking service to one or more terminals requesting a financial transaction service through the Internet according to the present invention, when the terminal requests the use of the Internet banking service, and checks the terminal unique information for the terminal Means for confirming the location of the terminal based on the identified terminal unique information, identifying a branch (or branch) of a financial institution adjacent to the identified terminal position, and an image of the identified branch (or branch) Means for generating (or extracting) a web page including information and a financial transaction UI (User Interface), and means for processing the generated (or extracted) web page to be transmitted to the terminal for output. It is done.

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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

In more detail, in FIG. 1, a predetermined client terminal 150 accesses a server on an internet banking system through a predetermined network means to provide an Internet virtual cyber branch using an image of the actual offline branch (or a branch). Or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, and responsible customer information in charge of the employee. When providing the image registration request information including one or more, the information registration system configuration for storing the image registration request information provided from the client terminal 150 in the storage medium 135 provided on the Internet banking system in the server As for the person skilled in the art to which the present invention pertains In this case, various implementation methods for configuring an information registration system for providing an Internet virtual cyber branch using an image of the actual offline branch (or sales branch) may be inferred by referring to and / or modifying the present invention. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, the branch (or branch) information provided from the client terminal 150, the branch (or branch) image information for the branch (or branch) on the information registration system shown in FIG. 1, the branch (or branch) At least one or more means for storing image registration request information including at least one employee information belonging to the at least one employee, caricature image information about the employee, and at least one of the customer information in charge of the employee in the storage medium 135 and / or The component corresponding to the functional configuration is called "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch office) according to the present invention may include at least one or more connected to a predetermined network means. Client terminal 150, branch (or branch) information transmitted from the client terminal 150, branch (or branch) image information for the branch (or branch), one or more employees belonging to the branch (or branch) A storage medium 135 for storing image registration request information including at least one of information, caricature image information of the employee, and customer information in charge of the employee; customer information of a financial transaction customer of the financial institution; Customer management D / B (140) for storing one or more employees in charge of managing the customer and one of the financial institutions It is connected to the staff management D / B (145) and the client terminal 150 to manage the employee of the predetermined network means, and receives the image registration request information transmitted through the network means to the storage medium 135 Characterized in that it comprises an information registration server 100 to store in.

The client terminal 150 is a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP) (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (Very high-)). and at least one wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 via a data rate Digital Subscriber Line) and / or a cable communication network, and / or CDMA A mobile communication terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network), and / or a portable Internet terminal connected to an IEEE 802.16x based high speed wireless Internet, and And / or comprises at least one wireless terminal including at least one wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network. The client terminal 150 outputs at least one image registration interface screen provided by the information registration server 100, and inputs and / or selects at least one information through the image registration interface screen. It is preferable that a function configuration (for example, a browser program and a communication function) for transmitting to the information registration server 100 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 150 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

When the client terminal 150 is a wired terminal according to an embodiment of the present invention, the network means includes a wired communication network based on the TCP / IP or UDP / IP, and the client terminal 150 is a wireless terminal. In this case, the network means comprises at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network. It is preferable.

The storage medium 135 provided on the Internet banking system according to the present invention includes branch (or branch) information transmitted from the client terminal 150, branch (or branch) image information for the branch (or branch), And at least one employee information belonging to the branch (or sales office), caricature image information about the employee, and image registration request information including one or more of the customer information in charge of the employee.

The branch (or branch) information includes a name (for example, xxx branch, etc.) for the branch (or branch) of a financial institution that wants to provide an internet virtual cyber branch using an image of the actual offline branch (or branch), and the branch ( Or a sales office) and a management number (or management code) assigned for management, and at least one or more of an address, a telephone number, a branch manager (or a sales manager) name of the branch (or sales office), and the like.

The branch (or branch) image information may be provided by an internal (or external) facility (eg, branch) of a branch (or branch) of a financial institution that wants to provide an internet virtual cyber branch using an image of the actual offline branch (or branch). Or an outside of a building, an inside of a building, a window, etc.).

According to an exemplary embodiment of the present invention, the external image information of the branch (or branch) is provided by an Internet bank (or mobile banking) provided by a financial institution that wants to provide an internet virtual cyber branch using the image of the actual offline branch (or branch). ) Service, the external image information provided corresponding to the branch (or branch) based on the location of the customer who wants to use the Internet banking (or mobile banking) service in response thereto, and the branch (or By providing the external image information for the sales office), when the customer uses the Internet banking (or mobile banking) service, it is desirable to provide a familiarity according to the use of the Internet banking (or mobile banking) service.

Alternatively, the external image information on the branch (or branch) is based on the terminal unique information such as the USIM (Universal Subscriber Identify Module) provided in the mobile terminal to authenticate the customer based on the mobile terminal used by the customer. After authentication), it is preferable that the external image information provided corresponding to the branch (or branch) registered by the customer, and by providing the external image information for the branch (or branch), the customer is Internet banking (or mobile When using a banking) service, it is desirable to provide an affinity for using the Internet banking (or mobile banking) service.

Alternatively, when the internal image information about the branch (or branch) clicks (or selects) an image that means that the customer enters inside of the external image for the output branch (or branch), the output corresponding thereto. Preferably, the image is an internal image provided corresponding to an external image of a branch (or a branch), and by providing internal image information of the branch (or branch), when the customer uses the Internet banking (or mobile banking) service, It is desirable to provide a familiarity with the use of the Internet banking (or mobile banking) service.

Alternatively, the internal image information of the branch (or branch) may be based on terminal unique information such as USIM (Universal Subscriber Identify Module) provided in the mobile terminal for authenticating the customer based on the mobile terminal used by the customer. After authentication), it is preferably internal image information provided corresponding to the branch (or branch) registered by the customer, and by providing external image information for the branch (or branch), By providing the internal image information, when the customer uses the Internet banking (or mobile banking) service, it is desirable to provide a familiarity according to the use of the Internet banking (or mobile banking) service.

One or more employee information belonging to the branch (or branch office) may include personal information (e.g., the name, social security number, home address, personal telephone number of the employee) of one or more teller (or administrative) employees of the branch (or branch office). , Mobile phone number, personal e-mail address, etc.) and at least one employee information (employee number, department name, direct telephone number, extension number, etc., which the employee has been assigned as a member of the financial institution). .

Caricature image information for the employee is preferably made to include information about the caricature image (that is, a picture that captures the characteristics of the employee) of any one or more of the employees belonging to the branch (or branch) According to the intention and purpose of the person skilled in the art, the actual picture information of the employee, or the character image information of the employee, or the avatar information of the employee, etc., if the image information is a moving video image, corresponding video image information It is preferred to further comprise a.

According to the method of the present invention, the method for providing the caricature image information is based on the terminal specific information on the financial transaction terminal connected to the customer of the employee belonging to a nearby branch (or branch) of the financial transaction terminal Preferably, a caricature image is provided.

According to another embodiment of the present invention, the method for providing the caricature image information, it is preferable that the caricature image of the employee in charge of the customer is provided.

Responsible customer information for the employee may include personal information (e.g., customer name, social security number, address, telephone number, mobile phone) for one or more customers managed by one or more teller (or administrative) employees of the branch (or branch office). Number, e-mail address, etc.) and member information (e.g., a customer information file (CIF), member ID information, etc., which are granted by the customer as a financial transaction customer).

The customer management D / B (140) provided on the Internet banking system according to the present invention, to manage the customer of the financial institution that wants to provide the Internet virtual cyber branch using the image of the actual offline branch (or branch), Characterized in that the information and the staff information for managing the customer is connected and stored, the customer management D / B (140) may be provided on a separate system connected through the Internet banking system and network means. have.

Customer information corresponding to one or more customers using the financial transaction service through the financial institution may include personal information (eg, customer name, social security number, address, telephone number, mobile phone number, E-mail address, etc.) and member information (e.g., a customer information file (CIF), member ID information, etc., assigned by the customer as a financial transaction customer).

Representative employee information corresponding to one or more responsible employees managing the customer may include personal information (e.g., the name of the employee, information about one or more teller (or administrative) employees of one or more branches (or sales offices) of the financial institution). Resident registration number, home address, personal phone number, mobile phone number, personal email address, etc.) and employee information (employee number, department name, direct telephone number, extension number, etc., which the employee has been assigned to work for the financial institution) It is preferable to include one or more.

The employee management D / B 145 provided on the Internet banking system according to the present invention is one or more branches (or branches) of a financial institution that wants to provide an internet virtual cyber branch using an image of the actual offline branch (or branch). Point (or branch) information corresponding to the and stores the employee information corresponding to one or more employees who work in the branch (or branch) connected, the employee management D / B (145) is the Internet It may be provided on a separate system connected through the banking system and the network means.

The branch (or branch) information may include a name (eg, xxx branch) of one or more branch (or branch) of a financial institution that wants to provide an internet virtual cyber branch using an image of the actual offline branch (or branch), and It is preferable to include at least one or more management number (or management code) assigned for branch (or branch) management, the address of the branch (or branch), telephone number, branch manager (or branch manager) name and the like.

Employee information corresponding to one or more employees working at the branch (or branch) may include personal information (eg, of the employee) of one or more teller (or administrative) employees working at one or more branch (or branch) of the financial institution. Name, social security number, home address, personal phone number, mobile phone number, personal email address, etc.) and employee information (employee number, department name, direct telephone number, extension number, etc.) It is preferable to include at least one.

According to an embodiment of the present invention, the information registration server 100 communicates with the client terminal 150 through the network means in order to provide a web interface corresponding to the client terminal 150 and the network means. And an interface unit 105 (or interface means) for connecting and managing channels, whereby the information registration server 100 establishes a wired communication network and / or a wireless communication network with the client terminal 150. It has the function of a web server connected via communication.

According to an embodiment of the present invention, when the client terminal 150 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 105 is the client terminal 150. And a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, and the image registration interface screen in the form of HTML (Hyper-Text Markup Language) compatible document to the client terminal 150 through the communication channel. And / or transmits and outputs an information providing screen, predetermined point (or branch) information input (or selected) from the client terminal 150 through the image registration interface screen, and a branch to the branch (or branch). (Or branch office) image information, one or more employee information belonging to the branch (or branch office), caricature image information about the employee, the employee in charge It is preferable to perform a function of receiving and processing image registration request information including one or more of the responsible customer information.

According to another exemplary embodiment of the present invention, when the client terminal 150 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 105 is connected to the client terminal 150 and a WAP (Wireless). Connect a predetermined communication channel based on an Application Protocol and / or Mobile Explorer (ME) protocol, and the image in the form of a Wireless Markup Language (WML) and / or HTML compatible document to the client terminal 150 through the communication channel. Transmits and outputs a registration interface screen and / or an information providing screen, and outputs predetermined point (or branch office) information corresponding to the image registration interface screen from the client terminal 150, a point (or branch office) for the branch (or branch office). Branch) image information, one or more employee information belonging to the branch (or branch), caricature image information for the employee, the It is preferable to perform a function of receiving and processing image registration request information including one or more of the customer information in charge of the employee in charge.

According to another exemplary embodiment of the present invention, when the client terminal 150 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 105 may be connected to the client terminal 150. Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and transmit and output a predetermined image registration interface screen and / or information providing screen to the client terminal 150 through the communication channel; Predetermined point (or branch) information corresponding to the image registration interface screen from the client terminal 150, branch (or branch) image information for the branch (or branch), one belonging to the branch (or branch) At least one employee information, caricature image information about the employee, the customer information responsible for the employee includes one or more It is preferable to perform a function of receiving and processing image registration request information, and / or when the client terminal 150 is a wireless terminal to which a communication channel is connected through an IEEE 802.11x based wireless communication network, the interface unit ( 105 connects a predetermined communication channel with the client terminal 150 based on a wireless protocol corresponding to the IEEE 802.11x standard, and a predetermined image registration interface screen to the client terminal 150 through the communication channel; And / or transmit and output the information providing screen, and receive and process predetermined image registration request information corresponding to the image registration interface screen from the client terminal 150.

Referring to FIG. 1, when the predetermined client terminal 150 accesses the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. Predetermined branch (or branch) information in the client terminal 150, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature for the employee Interface providing unit 110 for generating (or extracting) a predetermined image registration interface screen for inputting (or selecting) image information and image registration request information including one or more of the responsible customer information in charge of the employee to be transmitted. (Or interface providing means) and the interface unit 105 in conjunction with the image registration interface screen on the client terminal 150 An information receiving unit 115 (or an information receiving unit) for receiving image registration request information transmitted through an input (or selection) and an information storage unit for storing the received image registration request information in the storage medium 135 ( 130 (or information storage means) characterized in that it comprises a.

In addition, the information registration server 100 is characterized in that it further comprises a validating unit 120 (or validating means) for confirming the validity of the image registration request information received from the client terminal 150. .

In addition, when the information registration server 100 includes only the employee information and the caricature image information in the image registration request information received from the client terminal 150, the branch (or branch) information to which the employee belongs, and the Information for confirming one or more representative customer information that is in charge of the employee, or if the customer information is not included in the image registration request information received from the client terminal 150, the customer information in charge of the employee Characterized in that it further comprises a confirmation unit 125 (or information confirmation means).

The interface providing unit 110 has a functional configuration (eg, a client) provided in the client terminal 150 when a predetermined client terminal 150 is connected to the information registration server 100 through the interface unit 105. Corresponding to a browser program provided in the terminal 150) predetermined point (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch) Inputting (or selecting) image registration request information including one or more caricature image information of the employee and one or more of the responsible customer information of the employee and transmitting the image registration request information to the information registration server 100 through the network means. Create an image registration interface screen of the image, and / or extract it from a predetermined database (not shown), and associate it with the interface unit 105. At the same time, the generated (or extracted) image registration interface screen is provided to the client terminal 150 through the network means.

Subsequently, the client terminal 150 belongs to predetermined branch (or branch) information, branch (or branch) image information for the branch (or branch) based on the image registration interface screen, and belongs to the branch (or branch). Input (or select) image registration request information including one or more employee information, caricature image information about the employee, and at least one customer information in charge of the employee, and input (or select) the image registration request information. If it is confirmed, the client terminal 150 is the point (or branch) information input (or selected) through the network means, the branch (or branch) image information for the branch (or branch), the branch (or Sales office), one or more employee information, caricature image information about the employee, the customer information in charge of the employee Or it transmits the image registration request information including at least to the information registering server 100.

Those skilled in the art to which the present invention pertains, the branch (or branch) information, the branch through the at least one form (Form) included in the image registration interface screen in the client terminal 150 Image containing one or more branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, and customer information responsible for the employee. Technical features for inputting (or selecting) registration request information and technical features for transmitting the input (or selection) of the image registration request information inputted through the communication protocol provided by the network means to the information registration server 100. Since it will be understood, detailed description thereof will be omitted for convenience.

The information receiving unit 115 stores predetermined point (or branch) information, branch (or branch) image information for the branch (or branch), and the branch (or branch) in the client terminal 150 through the image registration interface screen. (E.g., sales office), one or more employee information, caricature image information about the employee, image registration request information including one or more of the customer information responsible for the employee is input (or selected) to be transmitted through the network means, the And receiving the image registration request information in association with the interface unit 105, and the validity confirmation unit 120 or the information confirmation unit 125 or the information storage unit 130 receives the received image registration request information. To provide.

The validity confirming unit 120 confirms validity of the received image registration request information in response to the image registration request information received from the client terminal 150.

According to an embodiment of the present invention, the validity check of the received image registration request information, the employee information matching the employee information included in the received image registration request information is the staff management D / B ( 145) (or the employee management D / B 145 accessible on the information registration system) by checking whether or not, it is preferable to confirm the validity of the received image registration request information.

In addition, the validity check of the received image registration request information, the customer information matching the customer information included in the received image registration request information is the customer management D / B (140) on the information registration system (or the It is preferable to check the validity of the received image registration request information by checking whether the information is stored on the customer management D / B 140 accessible on the information registration system.

If the received image registration request information is received together with the branch (or branch) information and the employee information belonging to the branch (or branch), the employee information matching the received employee information is the information registration system The employee on the confirmed employee management D / B 145 (or the employee management D / B 145 accessible on the information registration system) on the identified employee management D / B 145 It is preferable to check the validity of the received image registration request information by further confirming whether the employee belongs to a stored branch (or a branch) in connection with the information.

The information checking unit 125, when only the employee information and the caricature image information is included in the image registration request information received from the client terminal 150, the branch (or branch) information to which the employee belongs, and the employee Characterized by checking one or more of the responsible customer information in charge.

According to an embodiment of the present invention, when the image registration request information includes only employee information and caricature image information, the branch (or branch) information to which the employee belongs is linked with the employee management D / B 145. It is preferable to check and to store the confirmed point (or branch) information through the storage medium 135 in connection with the received image registration request information.

In addition, when the image registration request information includes only the employee information and the caricature image information, the customer information responsible for the employee further checks in connection with the customer care D / B (140), to the confirmed customer It is preferable to store the information about the customer in charge through the storage medium 135 in connection with the received image registration request information.

According to another exemplary embodiment of the present invention, when the customer registration information is not included in the image registration request information, the employee management information matching the employee information included in the image registration request information customer management D / B (140) After confirming through), it is preferable to store the stored customer information through the storage medium 135 in connection with the received image registration request information by using the stored customer information as the customer information stored in connection with the confirmed employee information.

The information storage unit 130 is the point (or branch) information received through the information receiving unit 115 (or confirmed through the information check unit 125), the point (or branch) for the branch (or branch) Or store) image storage request information including one or more image information, one or more employee information belonging to the branch (or a branch), caricature image information about the employee, and customer information in charge of the employee. It is characterized by storing in).

Alternatively, the external image information on the branch (or branch) is based on the terminal unique information such as the USIM (Universal Subscriber Identify Module) provided in the mobile terminal to authenticate the customer based on the mobile terminal used by the customer. After authentication), the external image information provided in correspondence with the branch (or branch) registered by the customer is preferable, and by providing the external image information for the branch (or branch), the customer has internet banking (or When using a mobile banking) service, it is desirable to provide a familiarity according to the use of the Internet banking (or mobile banking) service.

Alternatively, the internal image information of the branch (or branch) may be based on terminal unique information such as USIM (Universal Subscriber Identify Module) provided in the mobile terminal for authenticating the customer based on the mobile terminal used by the customer. After authentication), it is preferably internal image information provided corresponding to the branch (or branch) registered by the customer, and by providing external image information for the branch (or branch), By providing the internal image information, when the customer uses the Internet banking (or mobile banking) service, it is preferable to provide a familiarity according to the use of the Internet banking (or mobile banking) service.

According to the method of the present invention, the method for providing the caricature image information is based on the terminal specific information on the financial transaction terminal connected to the customer of the employee belonging to a nearby branch (or branch) of the financial transaction terminal Caricature images are preferably provided.

In more detail, in FIG. 2, the client terminal 150 on the information registration system shown in FIG. 1 uses an image of an actual offline branch (or branch office) to the information registration server 100 through a predetermined network means. Branch (or branch) information for providing a cyber branch, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, the When transmitting the image registration request information including one or more of the customer information responsible for the employee, the information registration server 100 to the process of storing the image registration request information in the storage medium 135, the present invention Those of ordinary skill in the art may refer to and / or modify this drawing to make the actual offline point (or It can be inferred various implementation methods for the information registration process for providing the Internet virtual cyber branch using the image of the uppoint), but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. It is not limited.

Hereinafter, in FIG. 2, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 150 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 2, a terminal on the information registration system shown in FIG. 1 accesses the server through the network means and connects a communication channel for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch office). (200).

According to an embodiment of the present invention, the communication channel connection process may further include at least one or more steps of logging in to the server from the terminal, and / or joining the server to the server. In the process, the customer information corresponding to the terminal is extracted (or obtained).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the actual offline point ( Or you will be familiar with the technical features of connecting a communication channel for providing an Internet virtual cyber branch using the image of the branch), a detailed description thereof will be omitted for convenience.

As described above, when a communication channel for providing an internet virtual cyber point using an image of an actual offline branch (or sales branch) is connected between the terminal and the server, the terminal connects the actual offline branch (or sales branch) to the server through the communication channel. Request an image registration interface screen for providing an internet virtual cyber point using an image of 205, and in response, the server requests the branch (or branch) information from the terminal and a branch (or branch) for the branch (or branch). Or branch) input image registration request information including one or more image information, one or more employee information belonging to the branch (or branch office), caricature image information about the employee, and customer information in charge of the employee. Create an image registration interface screen containing a user interface for (Or extraction) and (210), and transmits the image registration screen interface the generated (or extracted) to the mobile station via the communication channel 215.

Thereafter, the terminal includes the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, Process to input (or select) the image registration request information through the user interface included in the image registration interface screen for inputting (or selecting) image registration request information including one or more responsible customer information in charge of the employee. (220).

If at the terminal, the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, the When the image registration request information including one or more of the customer information responsible for the employee is input (or selected) (225), the terminal transmits the image registration request information to the server through the communication channel (230), In response, the server stores the received image registration request information in the storage medium 135 shown in FIG. 1 (235).

The branch (or branch) information may include a name (eg, xxx branch) of a branch (or branch) of a financial institution that wants to provide an internet virtual cyber branch using an image of the actual offline branch (or branch), and the branch. (Or branch office) It is preferable to include at least one or more management number (or management code) assigned for management, the address of the branch (or branch), telephone number, branch manager (or branch manager) name and the like.

Caricature image information for the employee is preferably made to include information about the caricature image (that is, a picture that captures the characteristics of the employee) of any one or more of the employees belonging to the branch (or sales office) According to the intention and purpose of the person skilled in the art, the actual picture information of the employee, or the character image information of the employee, or the avatar information of the employee, etc., if the image information is a moving video image, corresponding video image information It is preferred to further comprise a.

3 is a diagram illustrating an information registration process for providing an Internet cyber cyber branch using an image of an actual offline branch (or branch) according to another exemplary embodiment of the present invention.

In more detail, in FIG. 3, the client terminal 150 on the information registration system shown in FIG. 1 uses an image of an actual offline branch (or branch office) to the information registration server 100 through a predetermined network means. Branch (or branch) information for providing a cyber branch, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, the When transmitting the image registration request information including one or more of the customer information responsible for the staff, the information registration server 100 checks the validity of the image registration request information, and then the image registration request information is confirmed Regarding the process of storing in the storage medium 135, the conventional knowledge in the art If it is a pendulum, it is possible to infer various implementation methods for the information registration process for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch) by referring to and / or modifying the drawing 3. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 150 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 3, a terminal on the information registration system shown in FIG. 1 accesses the server through the network means and connects a communication channel for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch office). (300).

As described above, when a communication channel for providing an internet virtual cyber point using an image of an actual offline branch (or sales branch) is connected between the terminal and the server, the terminal connects the actual offline branch (or sales branch) to the server through the communication channel. Request an image registration interface screen for providing an Internet virtual cyber point using an image of 305, and correspondingly, the server responds to the point (or branch) information in the terminal and a branch to the branch (or branch). (Or branch) input (or select) image registration request information including one or more image information, one or more employee information belonging to the branch (or branch office), caricature image information about the employee, and customer information in charge of the employee; Create an image registration interface screen that includes a user interface for (Or extraction) and (310), and transmits the image registration screen interface the generated (or extracted) to the mobile station via the communication channel 315.

Thereafter, the terminal includes the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, Process to input (or select) the image registration request information through the user interface included in the image registration interface screen for inputting (or selecting) image registration request information including one or more responsible customer information in charge of the employee. (320).

If at the terminal, the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, the When image registration request information including one or more representative customer information in charge of an employee is input (or selected) (325), the terminal transmits the image registration request information to the server through the communication channel (330) In response, the server checks the validity of the received image registration request information (335).

If the validity of the received image registration request information is not confirmed (340), the server generates (or extracts) validation error information about the received image registration request information and transmits the result to the terminal for output. The process is processed to be (345).

On the other hand, if the validity of the received image registration request information is confirmed (340), the server stores the received image registration request information in the storage medium 135 shown in Figure 1 (350).

According to an embodiment of the present invention, the external image information on the branch (or branch) is provided by an Internet banking (or mobile) provided by a financial institution that wants to provide an internet virtual cyber branch using the image of the actual offline branch (or branch). In the case of using a banking) service, it is preferable that the image is external image information provided corresponding to a branch (or a branch) based on a location of a customer who wants to use the Internet banking (or mobile banking) service correspondingly. Or by providing external image information for a sales office), when the customer uses the Internet banking (or mobile banking) service, it is preferable to provide a familiarity with the use of the internet banking (or mobile banking) service.

Alternatively, when the internal image information about the branch (or branch) clicks (or selects) an image that means that the customer enters inside of the external image for the output branch (or branch), the output corresponding thereto. It is preferable that the internal image is provided corresponding to the external image for the branch (or branch), and by providing the internal image information for the branch (or branch), when the customer uses the Internet banking (or mobile banking) service, It is desirable to provide a familiarity with the use of the Internet banking (or mobile banking) service.

Responsible customer information for the employee may include personal information (e.g., customer name, social security number, address, telephone number, mobile phone number) for one or more customers managed by one or more teller (or administrative) employees of the branch (or branch office). Number, e-mail address, etc.) and member information (e.g., a customer information file (CIF), member ID information, etc., which are granted by the customer as a financial transaction customer).

In more detail, in FIG. 4, the client terminal 150 on the information registration system shown in FIG. 1 uses an image of an actual offline branch (or branch office) to the information registration server 100 through a predetermined network means. When the image registration request information including at least one employee information for providing a cyber branch and one or more caricature image information of the employee is transmitted, the information registration server 100 corresponds to the image registration request information. And, after confirming the customer information for one or more customers in charge of the employee, and stores the information on the storage medium 135 by connecting the identified point (or sales) information, the customer information and the image registration request information As for the process, those of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 4 In this regard, various implementation methods for the information registration process for providing an internet virtual cyber branch using an image of an actual offline branch (or branch office) may be inferred, but the present invention includes all the implementation methods inferred from the above figure. It is not limited only to the implementation method shown in 4.

Hereinafter, in FIG. 4, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 150 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 4, a terminal on the information registration system shown in FIG. 1 accesses the server through the network means and connects a communication channel for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch). (400).

As described above, when a communication channel for providing an internet virtual cyber point using an image of an actual offline branch (or sales branch) is connected between the terminal and the server, the terminal connects the actual offline branch (or sales branch) to the server through the communication channel. Request an image registration interface screen for providing an internet virtual cyber point using an image of 405, and correspondingly, the server registers at least one of the employee information and the caricature image information of the employee in the terminal. Generate (or extract) an image registration interface screen including a user interface for inputting (or selecting) request information (410), and the generated (or extracted) image registration interface screen to the terminal through the communication channel. Transmit (415).

Thereafter, the terminal receives the image registration request information through the user interface included in the image registration interface screen for inputting (or selecting) image registration request information including one or more of the employee information and the caricature image information of the employee. Process 420 to input (or select).

If the terminal inputs (or selects) image registration request information including one or more of the employee information and the caricature image information of the employee (425), the terminal requests the image registration to the server through the communication channel. Information is transmitted (430), and in response, the server verifies point (or sales office) information corresponding to the received image registration request information and responsible customer information (435).

If the point (or branch) information corresponding to the received image registration request information and the responsible customer information are not confirmed (440), the server may include the point (or branch) information corresponding to the image registration request information. In operation 445, the controller generates and / or extracts error information regarding the customer information, and transmits the generated (or extracted) error information to the terminal for output.

On the other hand, when the point (or branch) information and the corresponding customer information corresponding to the received image registration request information is confirmed (440), the server is the point (or branch) information and the confirmed customer information The image data is stored in the storage medium 135 shown in FIG. 1 in connection with the received image registration request information (450).

The branch (or branch) information includes a name (for example, xxx branch, etc.) for the branch (or branch) of a financial institution that wants to provide an internet virtual cyber branch using an image of the actual offline branch (or branch), and the branch ( Or a branch) or a management number (or management code) assigned for management, and at least one or more of an address, a phone number, a branch manager (or a branch manager) name of the branch (or branch).

In more detail, in FIG. 5, the client terminal 150 on the information registration system shown in FIG. 1 is connected to the information registration server 100 via a predetermined network means. When the image registration request information including one or more employee information for providing a virtual cyber branch and one or more caricature image information of the employee is transmitted, the information registration server 100 confirms the validity of the image registration request information, and then the Regarding the process of storing the validated image registration request information in the storage medium 135, those skilled in the art to which the present invention pertains, the actual offline point by referring to and / or modifying the present figure 5 Various rooms on the information registration process for providing the Internet virtual cyber branch using the image of the office (or the branch) Although the time method may be inferred, the present invention includes all the method of inferring the above, and is not limited to the method shown in FIG.

Hereinafter, in FIG. 5, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 150 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 5, a terminal on the information registration system shown in FIG. 1 accesses the server through the network means and connects a communication channel for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch office). (500).

As described above, when a communication channel for providing an internet virtual cyber point using an image of an actual offline branch (or sales branch) is connected between the terminal and the server, the terminal connects the actual offline branch (or sales branch) to the server through the communication channel. Requesting an image registration interface screen for providing an internet virtual cyber point using an image of 505, and correspondingly, the server registers at least one of the employee information and the caricature image information of the employee in the terminal. Generate (or extract) an image registration interface screen including a user interface for inputting (or selecting) request information (510), and generating the generated (or extracted) image registration interface screen through the communication channel. 515 is transmitted.

Thereafter, the terminal receives the image registration request information through the user interface included in the image registration interface screen for inputting (or selecting) image registration request information including one or more of the employee information and the caricature image information of the employee. Process 520 to input (or select).

If the terminal inputs (or selects) image registration request information including one or more of the employee information and the caricature image information of the employee (525), the terminal requests the image registration to the server through the communication channel. In operation 530, the server verifies validity of the received image registration request information.

If the validity of the received image registration request information is not confirmed (540), the server generates (or extracts) validation error information for the received image registration request information and transmits the output to the terminal. The processing is to be performed (545).

On the other hand, when the validity of the received image registration request information is confirmed (540), the server checks the point (or branch) information and the corresponding customer information corresponding to the received image registration request information (550) .

If the point (or branch) information corresponding to the received image registration request information and the responsible customer information are not confirmed (555), the server may include the point (or branch) information corresponding to the image registration request information. In operation 560, the processor generates and extracts (or extracts) confirmation error information about the responsible customer information and transmits the generated (or extracted) error information to the terminal for output.

On the other hand, when the branch (or branch) information corresponding to the received image registration request information and the responsible customer information are checked (555), the server stores the identified branch (or branch) information and the responsible customer information. In operation 565, the image data is stored in the storage medium 135 shown in FIG. 1 in connection with the received image registration request information.

According to an exemplary embodiment of the present invention, the external image information of the branch (or branch) is provided by an Internet bank (or mobile banking) provided by a financial institution that wants to provide an internet virtual cyber branch using the image of the actual offline branch (or branch). ) Service, the external image information provided corresponding to the branch (or branch) based on the location of the customer who wants to use the Internet banking (or mobile banking) service in response thereto, and the branch (or By providing the external image information for the sales office), when the customer uses the Internet banking (or mobile banking) service, it is preferable to provide a familiarity according to the use of the Internet banking (or mobile banking) service.

Alternatively, the external image information on the branch (or branch) may be based on terminal unique information such as USIM (5niversal Subscriber Identify Module) provided in the mobile terminal for authenticating the customer based on the mobile terminal used by the customer. After authentication), it is preferable that the external image information provided corresponding to the branch (or branch) registered by the customer, and by providing the external image information for the branch (or branch), the customer is Internet banking (or mobile When using a banking) service, it is desirable to provide an affinity for using the Internet banking (or mobile banking) service.

Alternatively, the internal image information of the branch (or branch) may be based on terminal unique information such as USIM (5niversal Subscriber Identify Module) provided in the mobile terminal for authenticating the customer based on the mobile terminal used by the customer. After the authentication, the internal image information provided corresponding to the branch (or branch) registered by the customer is preferable, and by providing the external image information for the branch (or branch), to the branch (or branch) By providing the internal image information for the customer, when the customer uses the Internet banking (or mobile banking) service, it is desirable to provide a familiarity according to the use of the Internet banking (or mobile banking) service.

FIG. 6 is a diagram illustrating an information registration process for providing an Internet virtual cyber branch using an image of an actual offline branch (or branch) according to another embodiment of the present invention.

In more detail, in FIG. 6, the client terminal 150 on the information registration system shown in FIG. 1 uses an image of an actual offline branch (or branch office) to the information registration server 100 through a predetermined network means. Branch (or branch) information for providing a cyber branch, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee When transmitting the image registration request information including the above, in response to the received image registration request information after confirming the responsible customer information in charge of the employee, the confirmed responsible customer information and the received image registration request information is stored As for the process of storing in the medium (135), having ordinary skill in the art In this case, various implementation methods for the information registration process for providing an Internet virtual cyber branch using an image of an actual offline branch (or sales branch) may be inferred by referring to and / or modifying the present invention. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may skip the process of confirming the customer information corresponding to the received image registration request information, and thus the present invention is not limited thereto.

Hereinafter, in FIG. 6, the information registration server 100 on the information registration system shown in FIG. 1 is referred to as " server " for convenience, and the client terminal 150 on the information registration system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 6, a terminal on the information registration system shown in FIG. 1 connects to a server through the network means and connects a communication channel for providing an internet virtual cyber point using an image of an actual offline branch (or a branch). (600).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server in accordance with a communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the actual offline point ( Or you will be familiar with the technical features of connecting a communication channel for providing an Internet virtual cyber branch using the image of the branch), detailed description thereof will be omitted.

As described above, when a communication channel for providing an internet virtual cyber point using an image of an actual offline branch (or sales branch) is connected between the terminal and the server, the terminal connects the actual offline branch (or sales branch) to the server through the communication channel. Request an image registration interface screen for providing an Internet virtual cyber point using an image of 605, and correspondingly, the server responds to the branch (or branch) information and the branch (or branch) for the branch (or branch) Or a branch) image registration including image information, one or more employee information belonging to the branch (or branch office), and a user interface for inputting (or selecting) image registration request information including one or more caricature image information of the employee. Generates (or extracts) an interface screen (610), and generates (or And it transmits the output) image registration interface screen to the user terminal via the communication channel 615.

Thereafter, the terminal stores the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), and caricature image information for the employee. The image registration request information is input (or selected) through the user interface included in the image registration interface screen for inputting (or selecting) image registration request information including one or more (620).

If the terminal includes the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee When the image registration request information including the above is input (or selected) (625), the terminal transmits the image registration request information to the server through the communication channel (630), and correspondingly the server receives the received The customer information corresponding to the image registration request information is checked (635).

If the responsible customer information corresponding to the received image registration request information is not confirmed (640), the server generates (or extracts) confirmation error information about the responsible customer information corresponding to the image registration request information. In operation 645, the generated (or extracted) error information is transmitted to the terminal for output.

On the other hand, when the responsible customer information corresponding to the received image registration request information is confirmed (640), the server stores the information shown in Figure 1 by connecting the identified responsible customer information with the received image registration request information Store on medium 135 (650).

In more detail, in FIG. 7, the client terminal 150 on the information registration system shown in FIG. 1 uses an image of an actual offline branch (or branch office) to the information registration server 100 through a predetermined network means. Branch (or branch) information for providing a cyber branch, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, the When transmitting the image registration request information including one or more responsible customer information in charge of the employee, the information registration server 100 checks the validity of the image registration request information, the validity of the image registration request information In response, the staff checks the customer information in charge and confirms the validity of the image registration request. Is connected to the storage medium 135, and those skilled in the art to which the present invention pertains. Various implementation methods for the information registration process for providing the Internet virtual cyber branch using the present invention can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the information registration server 100 on the information registration system shown in FIG. 1 will be referred to as "server" for convenience, and the client terminal 150 on the information registration system shown in FIG. 1 will be referred to as "terminal" for convenience. It is called.

Referring to FIG. 7, the terminal on the information registration system shown in FIG. 1 accesses the server through the network means and connects a communication channel for providing an internet virtual cyber branch using an image of an actual offline branch (or branch office). (700).

As described above, when a communication channel for providing an internet virtual cyber point using an image of an actual offline branch (or sales branch) is connected between the terminal and the server, the terminal connects the actual offline branch (or sales branch) to the server through the communication channel. Request an image registration interface screen for providing an internet virtual cyber point using an image of 705, and correspondingly, the server requests the branch (or branch) information from the terminal and a branch (or branch) for the branch (or branch). Or branch) input image registration request information including one or more image information, one or more employee information belonging to the branch (or branch office), caricature image information about the employee, and customer information in charge of the employee. Create an image registration interface screen including a user interface for In operation 715, the generated (or extracted) image registration interface screen is transmitted to the terminal through the communication channel (715).

Thereafter, the terminal includes the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, Process to input (or select) the image registration request information through the user interface included in the image registration interface screen for inputting (or selecting) image registration request information including one or more responsible customer information in charge of the employee. 720.

If at the terminal, the branch (or branch) information, branch (or branch) image information for the branch (or branch), one or more employee information belonging to the branch (or branch), caricature image information for the employee, the When the image registration request information including one or more of the customer information responsible for the employee is input (or selected) (725), the terminal transmits the image registration request information to the server through the communication channel (730), In response, the server checks the validity of the received image registration request information (735).

If the validity of the received image registration request information is not confirmed (740), the server generates (or extracts) validation error information for the received image registration request information and transmits the output to the terminal. Process as much as possible (745).

On the other hand, if the validity of the received image registration request information is confirmed (740), the server checks the customer information corresponding to the received image registration request information (750).

If the charge customer information corresponding to the received image registration request information is not confirmed (755), the server generates (or extracts) confirmation error information about the charge customer information corresponding to the image registration request information. In operation 760, the generated (or extracted) error information is transmitted to the terminal for output.

On the other hand, when the responsible customer information corresponding to the received image registration request information is confirmed (755), the server is connected to the confirmed image of the customer registration information and the received image registration request information stored in Figure 1 Stored in medium 135 (765).

Alternatively, the internal image information on the branch (or branch) may be based on terminal unique information such as USIM (Universal Subscriber Identify Module) provided in the mobile terminal for authenticating the customer based on the mobile terminal used by the customer. After the authentication, the internal image information provided corresponding to the branch (or branch) registered by the customer is preferable, and by providing the external image information for the branch (or branch), to the branch (or branch) By providing the internal image information for the customer, when the customer uses the Internet banking (or mobile banking) service, it is desirable to provide a familiarity according to the use of the Internet banking (or mobile banking) service.

In more detail, FIG. 8 illustrates that when a predetermined financial transaction terminal 860 connects a communication channel to a server on an Internet virtual cyber branch operating system through a predetermined network means to provide an internet virtual cyber branch based on the offline branch. In response to this, after confirming the terminal unique information (for example, Internet Protocol (IP) address information) for the financial transaction terminal 860, based on the identified terminal unique information, image information of a nearby branch (or branch) and And / or to provide caricature image information of an employee belonging to a nearby branch (or a branch), and / or to provide caricature image information of a responsible employee for a customer connected through the financial transaction terminal 860. As those skilled in the art to which the present invention pertains, the present invention will be described with reference to and / or modification of the drawings. Various implementation methods for the construction of an Internet virtual cyber branch operation system for providing an Internet virtual cyber branch based on an offline branch may be inferred, but the present invention includes all the implementation methods inferred as shown in FIG. It is not limited only to the implemented method.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the implementation method shown in FIG. 8 to provide a photo or a character or an avatar instead of a caricature image for an employee. The present invention is not limited thereto.

Hereinafter, at least one or more means for providing an Internet virtual cyber branch to the financial transaction terminal 860 on the Internet virtual cyber branch operating system shown in FIG. 8 and providing a financial transaction service through the Internet virtual cyber branch; The component corresponding to the functional configuration is referred to as "Internet virtual cyber branch management server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, an internet virtual cyber branch operating system for providing an internet virtual cyber branch based on an offline branch according to the present invention comprises at least one financial transaction connected to a predetermined network means. When the terminal 860 and the financial transaction terminal 860 access the Internet virtual cyber branch management server 800, the terminal unique information about the financial transaction terminal 860 is correspondingly checked, and the checked In order to provide branch (or branch) image information and / or caricature image information of an employee belonging to the branch (or branch) based on terminal unique information, the branch (or branch) image information and / or the branch (or branch) A storage medium 845 that connects and stores caricature image information of an employee belonging to a branch) and the financial transaction terminal 860. When the financial transaction terminal 860 requests the use of the Internet virtual cyber branch service, the financial transaction terminal 860 is connected to the financial transaction terminal 860 based on terminal specific information about the financial transaction terminal 860. Branch (or branch) image information about a branch (or branch) near a location (or a representative (or designated by the customer) for a customer requesting to use the Internet virtual cyber branch service through the financial transaction terminal 860) And / or provide caricature image information of an employee belonging to the branch (or a branch), and when the financial transaction request information requested by the customer is transmitted, an internet virtual cyber branch operation server providing a financial transaction service corresponding thereto. 800 and the financial system for processing the financial transaction request information requested by the customer It characterized.

The financial transaction terminal 860 is a wired communication network (eg, Asymmetric Digital Subscriber Line (ADSL) / VDSL (VDSL) based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP). -at least one wired terminal including a desktop computer and / or a laptop connected in communication with the Internet virtual cyber branch management server 800 through a data rate digital subscriber line) and / or a cable communication network; And / or a mobile terminal connected to a Code Division Multiple Access (CDMA) based mobile communication network (or a High Speed Downlink Packet Access (HSDPA) based mobile communication network) and / or a mobile Internet connected to an IEEE 802.16x based high speed wireless Internet. At least one wireless terminal including at least one terminal, and / or at least one WLAN terminal connected to an IEEE 802.11x-based WLAN communication network. The financial transaction terminal 860 may be located at the position of the financial transaction terminal 860 in the Internet virtual cyber branch operation server 800 based on terminal unique information of the financial transaction terminal 860. Provide branch (or branch) image information for an adjacent branch (or branch), and / or output at least one financial transaction request interface screen including caricature image information of employees belonging to the branch (or branch), A function configuration (for example, a browser program and a communication function) for inputting and / or selecting at least one or more information through the financial transaction request interface screen and transmitting the selected information to the Internet virtual cyber branch operation server 800 is preferably provided. Do.

Those skilled in the art to which the present invention pertains can easily infer the features of the financial transaction terminal 860 corresponding to at least one or more wired terminals and / or wireless terminals. Is omitted for convenience.

When the financial transaction terminal 860 is a wired terminal according to an embodiment of the present invention, the network means includes the TCP / IP or UDP / IP-based wired communication network, and the financial transaction terminal 860 is In the case of a wireless terminal, the network means includes at least one of the CDMA based (or HSDPA based) mobile communication network, and / or IEEE 802.16x based high speed wireless Internet, and / or IEEE 802.11x based wireless LAN communication network. It is preferable to make.

The storage medium 845 provided on the Internet banking system according to the present invention is a branch (or branch) information registered through the information registration system shown in FIG. 1, a branch (or branch) for the branch (or branch). Branch) image information, one or more employee information belonging to the branch (or branch), caricature image information for the employee, image registration request information including one or more of the customer information responsible for the employee characterized in that it stores .

Alternatively, when the internal image information on the branch (or branch) clicks (or selects) an image that means that the customer enters inside of an external image of the output branch (or branch), the corresponding image It is preferable that the image is an internal image provided corresponding to an external image of an output branch (or a branch), and by providing internal image information of the branch (or branch), when the customer uses the Internet banking (or mobile banking) service. In addition, it is desirable to provide a familiarity with using the Internet banking (or mobile banking) service.

According to an exemplary embodiment of the present invention, the method for providing the caricature image information may include a branch (or a branch) near the financial transaction terminal 860 based on terminal specific information on the financial transaction terminal 860 to which the customer is connected. Caricature images of employees belonging to) are preferably provided.

The financial system that processes the financial transaction request information transmitted from the financial transaction terminal 860 may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at a branch (and / or branch) of the financial institution. It is characterized in that the connection through), through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x) connected to a TCP / IP or UDP / IP based backbone network through the Internet banking server A personal computer equipped with at least one client terminal (eg, the wired Internet access and browsing function) connected to a wireless LAN, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based portable Internet. And / or provide a non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop, a laptop and / or a mobile terminal equipped with the wireless LAN / portable Internet access and browsing function).

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet, and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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

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

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

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

Referring to FIG. 8, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and / Or an external system that provides various financial transaction interfaces through at least one common network (eg, a CD common network, a financial common network), and the financial system includes interfacing between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) Etc.) and a DBMS (DataBase Management System) including at least one database for storing and managing the same.

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

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

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

According to an embodiment of the present invention, the Internet virtual cyber branch management server 800 provides the web interface corresponding to the financial transaction terminal 860 and the network means, and the financial transaction terminal 860 through the network means. ) And an interface unit 805 (or interface means) for connecting and managing a predetermined communication channel, whereby the Internet virtual cyber branch operation server 800 is the financial transaction terminal 860. And a web server that is communicatively connected via a wired and / or wireless communication network.

According to an embodiment of the present invention, when the financial transaction terminal 860 is a wired terminal to which a communication channel is connected through a wired communication network based on TCP / IP or UDP / IP, the interface unit 805 is the financial transaction terminal. 860 connects a predetermined communication channel based on HTTP (Hyper-Text Transfer Protocol) protocol, and finances a Hyper-Text Markup Language (HTML) compatible document form to the financial transaction terminal 860 through the communication channel. A function of transmitting and outputting a transaction request interface screen and / or an information providing screen and receiving and processing predetermined financial transaction request information input (or selected) from the financial transaction terminal 860 through the financial transaction request interface screen. It is preferable to carry out.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 860 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless communication network, the interface unit 805 is connected to the financial transaction terminal 860 and the WAP. (Wireless Markup Language) and / or HTML-compatible document for connecting a predetermined communication channel based on a Wireless Application Protocol (ME) and / or a Mobile Explorer (ME) protocol and through the communication channel to the financial transaction terminal 860. Transmitting and outputting a financial transaction request interface screen and / or an information providing screen, and receiving and processing predetermined financial transaction request information corresponding to the financial transaction request interface screen from the financial transaction terminal 860; It is preferable.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 860 is a wireless terminal to which a communication channel is connected through an IEEE 802.16x based wireless communication network, the interface unit 805 is the financial transaction terminal 860. ) And a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.16x standard, and a predetermined financial transaction request interface screen and / or information providing screen to the financial transaction terminal 860 via the communication channel. It is preferable to perform a function of transmitting and outputting, receiving and processing predetermined financial transaction request information corresponding to the financial transaction request interface screen from the financial transaction terminal 860, and / or the financial transaction terminal 860. When the communication channel is connected through the IEEE 802.11x based wireless communication network, the interface unit 805 is the financial transaction terminal 860 and the Connect a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and transmit a predetermined financial transaction request interface screen and / or an information providing screen to the financial transaction terminal 860 via the communication channel and output it. In addition, it is preferable to perform a function of receiving and processing predetermined financial transaction request information corresponding to the financial transaction request interface screen from the financial transaction terminal 860.

Referring to FIG. 8, the Internet virtual cyber branch management server 800 is connected to a predetermined financial transaction terminal 860 when accessing the Internet virtual cyber branch management server 800 through the interface unit 805. An interface providing unit which generates (or extracts) a predetermined financial transaction request interface screen for inputting (or selecting) and transmitting predetermined financial transaction request information from the financial transaction terminal 860 in cooperation with the unit 805. 815 (or an interface providing means) and the financial transaction request information received from the financial transaction terminal 860 through the financial transaction request interface screen in connection with the interface unit 805 and transmitted. And an information receiving unit 820 (or information receiving means).

In addition, the Internet virtual cyber branch management server 800 provides image information about a nearby branch (or branch) based on the customer's location on the provided one or more interfaces, and / or the branch (or branch) In order to provide a caricature image for the employee belonging to, characterized in that it further comprises an information confirmation unit 810 (or information confirmation means) for confirming the terminal unique information for the financial transaction terminal 860 used by the customer do.

The interface providing unit 815 has a function provided in the financial transaction terminal 860 when a predetermined financial transaction terminal 860 is connected to the Internet virtual cyber branch operation server 800 through the interface unit 805. In response to a configuration (eg, a browser program provided in the financial transaction terminal 860), predetermined financial transaction request information may be input (or selected) and transmitted to the Internet virtual cyber branch operation server 800 through the network means. Generate a predetermined financial transaction request interface screen, and / or extract from a predetermined database (not shown), and link the generated financial transaction request interface screen with the interface unit 805 to the network. It is characterized in that it provides to the financial transaction terminal 860 through means.

In this case, when the financial transaction terminal 860 accesses the Internet virtual cyber branch operation server 800 on the provided interface screen, the financial transaction terminal 860 corresponds to the terminal specific information on the financial transaction terminal 860. At least one image of a transaction terminal 860 and a branch (or branch) of a nearby location and / or a caricature image of an employee belonging to the branch (or branch) is preferably included. In connection with the unit 810, it is preferable to further check the terminal specific information on the financial transaction terminal 860.

Thereafter, the financial transaction terminal 860 inputs (or selects) predetermined financial transaction request information based on the financial transaction request interface screen, and when it is confirmed that the financial transaction request information is input (or selected), The financial transaction terminal 860 transmits the input (or selected) financial transaction request information to the Internet virtual cyber branch operation server 800 through the network means.

Those skilled in the art to which the present invention belongs, input the financial transaction request information from the financial transaction terminal 860 via at least one form form included in the financial transaction request interface screen ( Or technical features for transmitting the input (or selected) financial transaction request information to the Internet virtual cyber branch operation server 800 through a communication protocol provided by the network means. Since there will be, a detailed description thereof will be omitted for convenience.

When the information confirmation unit 810 requests access from the financial transaction terminal 860 to the Internet virtual cyber branch operation server 800, the information verification unit 810 provides an internet virtual cyber branch to the financial transaction terminal 860 in response thereto. In order to provide the actual internal (or external) facility image of a nearby branch (or branch) and / or caricature image information of an employee belonging to the branch (or branch) based on the location of the financial transaction terminal 860, Characterize the terminal unique information for the financial transaction terminal 860.

Here, the terminal specific information on the financial transaction terminal 860 may include at least one or more IP (Internet Protocol) address information and / or Internet Service Provider (ISP) information on the financial transaction terminal 860. Do.

According to an embodiment of the present invention, the IP address information confirmation among the terminal unique information for the financial transaction terminal 860 is confirmed by confirming the IP address information on the packet transmitted from the financial transaction terminal 860, It is preferable to check the terminal unique information for 860.

According to another exemplary embodiment of the present invention, IP address information verification among terminal unique information about the financial transaction terminal 860 may be requested to access the Internet virtual cyber branch operation server 800 from the financial transaction terminal 860. In this case, it is preferable to confirm the terminal unique information for the financial transaction terminal 860 by checking the counterpart IP address information identified in the process of connecting the TCP / IP socket correspondingly.

For those of ordinary skill in the art to which the present invention pertains, a method and / or process for identifying terminal specific information (eg, IP address information and / or ISP information) for the financial transaction terminal 860 is provided. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

The information receiver 820 inputs (or selects) predetermined financial transaction request information from the financial transaction terminal 860 via the financial transaction request interface screen and transmits the information through the network means. And the financial transaction request information in connection with the financial transaction request information, and provides the received financial transaction request information to the validity confirming unit 825 or the financial transaction processing unit 835.

The financial transaction request information may include at least one of customer information about a customer requesting the financial transaction and financial transaction request history information requested by the customer.

Also, the financial transaction request history information included in the financial transaction request information may include one or more of the financial account information of the customer and the financial account information of another person according to the type of financial transaction requested by the customer.

Referring to FIG. 8, when the financial transaction request information transmitted from the information registration terminal is received through the information receiving unit 820, the Internet virtual cyber branch management server 800 receives the received financial transaction request information. It is characterized in that it comprises a validity verification unit 825 (or validity verification means) for confirming whether the validity for providing the Internet virtual cyber branch based on the offline branch.

According to an embodiment of the present invention, the financial transaction request information includes at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity confirming unit 825 converts the encrypted financial transaction request information into at least one decryption method (eg, a symmetric key-based decryption method, and / or the like) corresponding to the encryption method. Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received financial transaction request information.

Alternatively, when a predetermined electronic signature is attached to the financial transaction request information, the validity verification unit 825 confirms the electronic signature attached to the financial transaction request information, thereby validating the received financial transaction request 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 financial transaction request information, and technical characteristics for confirming an electronic signature attached to the financial transaction request information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the financial transaction request information received through the information receiving unit 820 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the financial transaction request information, the validity confirming unit 825 ) Compares and authenticates the password included in the financial transaction request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received financial transaction request information.

Alternatively, when the financial transaction request information received through the information receiving unit 820 further includes predetermined security card information for confirming the validity of the financial transaction request information, the validity confirming unit 825 determines the validity of the financial transaction request information. It is preferable to authenticate the validity of the received financial transaction request information by comparing and authenticating the received security card information included in the financial transaction request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial transaction request information received through the information receiving unit 820 further includes a predetermined OTP code for confirming the validity of the financial transaction request information, the validity confirming unit 825 receives the financial statement. The validity of the received financial transaction request information is verified by comparing and authenticating the received OTP code included in the transaction request information with 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 check of the financial transaction request information includes at least one ledger information matching the financial transaction request information in the ledger D / B on the financial system linked to the Internet virtual cyber branch operation system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 825 may include a ledger D on a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial transaction request information is associated with the Internet virtual cyber branch operation system. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, when the financial transaction request information includes the financial account information of the customer, the financial account request information checks the ledger on the financial system associated with the Internet virtual cyber branch operation system. It is desirable to include checking that the account matches the ledger stored in / B.

Referring to FIG. 8, the internet virtual cyber branch operation server 800 may include a financial transaction processing unit that processes financial transaction request information based on the validated financial transaction request information (or the received financial transaction request information) ( 835 (or financial transaction processing means) and the financial transaction processing unit 835 to generate predetermined financial transaction result information for a financial transaction for providing an Internet virtual cyber branch based on the offline branch, and the interface And an information transmission unit 840 (or information transmission means) for transmitting the financial transaction result information to the financial transaction terminal 860 in association with the unit 805.

When the validity of the financial transaction request information is confirmed (or when the financial transaction request information is received), the financial transaction processing unit 835 is connected to the financial system based on the financial transaction request information and the financial transaction request information. Characterized in processing.

Those skilled in the art to which the present invention pertains, because they will be familiar with the technical features of the method and / or process for processing the financial transaction request information transmitted through the financial transaction terminal 860, Detailed description thereof will be omitted for convenience.

When the financial transaction for providing the Internet virtual cyber branch is processed by the financial transaction processing unit 835, the information transmission unit 840 is connected with the financial transaction processing unit 835 to locate the offline branch. Generate a financial transaction processing history including any one of a financial transaction approval history or a financial transaction error history for a financial transaction for providing an Internet virtual cyber branch, and the financial transaction processing in connection with the interface unit 805 The financial transaction result information including the details may be transmitted to the financial transaction terminal 860 through the network means.

Here, the financial transaction processing history is characterized in that it comprises the financial transaction request information, characterized in that it further comprises an approval code (or error code) for the financial transaction.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 860 through the network means. The financial transaction result information may include the financial transaction. Similar to the request information, it is preferably encrypted or transmitted to the financial transaction terminal 860 with the electronic signature of the financial institution attached.

9A and 9B illustrate a process of providing an Internet virtual cyber branch based on an offline branch and processing a financial transaction requested by a customer according to an exemplary embodiment of the present invention.

9A and 9B illustrate the client terminal when the financial transaction server on the financial transaction system shown in FIG. 8 has a non-face-to-face banking server function to which the client terminal can be connected through a predetermined network means. After connecting to the financial transaction server and connecting a communication channel for the financial transaction, and transmitting the financial transaction request information to the financial transaction server through the communication channel, the received financial transaction request from the financial transaction server An embodiment of the present invention relates to a method of providing a financial transaction for providing an Internet virtual cyber branch based on the offline branch using information, and a person of ordinary skill in the art to which the present invention pertains may refer to FIGS. 9a and 9b. Internet based offline point of view in a non-face-to-face manner by referring to and / or transform Various implementation methods for the process of processing a financial transaction for providing a virtual cyber branch may be inferred, but the present invention includes all the implementation methods inferred above, and the implementation method illustrated in FIGS. 9A and 9B. It is not limited.

In the following Figures 9a and 9b, the client terminal shown in Figure 8 is referred to as "terminal" for convenience, and the financial transaction server shown in Figure 8 is referred to as "server" for convenience.

9A and 9B, the terminal illustrated in FIG. 8 is a predetermined network means (for example, when the terminal is a wired terminal, a TCP / IP or UDP / IP based wired communication network, and the terminal is a wireless terminal). , CDMA-based mobile communication network, and / or HSDPA-based wireless communication network, and / or the IEEE 802.16x-based mobile Internet, etc.) to access the server and request a financial transaction for providing an Internet virtual cyber branch based on the offline branch office. In operation 900, the server checks terminal unique information for providing an Internet virtual cyber point based on the offline point.

Here, the terminal specific information for the terminal may include at least one or more IP (Internet Protocol) address information and / or Internet Service Provider (ISP) information for the terminal.

According to the embodiment of the present invention, the IP address information confirmation of the terminal unique information for the terminal, it is preferable to confirm the terminal unique information for the terminal by confirming the IP address information on the packet transmitted from the terminal.

According to another exemplary embodiment of the present invention, the IP address information confirmation of the terminal unique information about the terminal, when the terminal requests a connection to the server, the counterpart identified in the process of connecting the TCP / IP socket correspondingly By confirming the IP address information, it is preferable to confirm the terminal unique information for the terminal.

Those skilled in the art to which the present invention pertains know the technical features of the method and / or process of identifying terminal specific information (eg, IP address information and / or ISP information) for the terminal. Since it will be, a detailed description thereof will be omitted for convenience.

If the terminal unique information for the terminal is not confirmed (910), the server provides a conventional internet banking service according to the terminal unique information checking error (915).

Here, after confirming whether there is a branch (or a branch) designated by the customer according to another embodiment of the present invention, an internet virtual cyber branch service may be provided based on this.

On the other hand, if the terminal unique information for the terminal is confirmed (910), based on the identified terminal unique information user interface for inputting (or selecting) image information and financial transaction request information for a nearby branch (or branch) In operation 920, the web page is included (or extracted).

Here, when the terminal is connected to the server on the provided interface screen, an image of the terminal and a point (or a branch) of a nearby location and / or the point based on the terminal unique information of the terminal correspondingly. (Or a branch) preferably comprises at least one caricature image of the employee belonging to.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, when the server transmits the generated (or extracted) web page to the terminal (925), the terminal correspondingly inputs (or selects) the financial transaction request information through the user interface (930). .

If the financial transaction request information is input (or selected) through the user interface at the terminal (935), the terminal transmits the input (or selected) financial transaction request information to the server through the communication channel. In operation 940, transmitting the financial transaction request information input (or selected) through the communication channel to the server may include the financial transaction request information input (or selected) through the user interface. It is preferable to further include transmitting to the server by digital signature and / or encryption through the provided security module (not shown).

Thereafter, the server receives and reads the financial transaction request information through the communication channel to confirm the validity of the financial transaction request information (945), and the validity of the financial transaction request information is determined by the financial unit. Decrypting the financial transaction request information, and / or decrypting the financial transaction request information when the transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal. It is preferable to make it.

Alternatively, when a predetermined electronic signature is attached to the financial transaction request information, the validity verification unit 825 confirms the validity of the received financial transaction request information by checking the electronic signature attached to the financial transaction request information. It is desirable to authenticate.

For example, the server may be configured to store the customer information (customer personal information, member information, etc.) of the information included in the financial transaction request information stored in the ledger D / B on the financial system associated with the Internet virtual cyber branch operation system. It is preferable to include checking whether the match with the ledger.

If the validity of the financial transaction request information is not authenticated (950), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (955), and the communication channel The financial transaction result information including the financial transaction processing history is transmitted to the terminal through the terminal 975. In response, the terminal outputs the financial transaction result including the financial transaction processing history (980).

On the other hand, if the validity of the financial transaction request information is authenticated (950), the server performs a financial transaction for providing an Internet virtual cyber branch based on the offline branch based on the financial transaction request information in connection with the financial system. Process 960.

If a financial transaction corresponding to the financial transaction request information is processed (965), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 970, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel, and correspondingly, the terminal transmits the financial transaction result including the financial transaction processing history. The screen outputs (980).

In more detail, FIG. 10 illustrates a case where the client terminal is based on TCP / IP or UDP / IP when the Internet virtual cyber point operation system illustrated in FIG. 8 is realized through an Internet banking system among non-face-to-face channel based banking systems. After the client accesses the Internet banking server through a network (eg, the Internet) and performs a predetermined customer authentication procedure, predetermined client transaction request information for providing an Internet virtual cyber branch based on an offline branch in the client terminal When the financial transaction request information is transmitted to the internet banking server, the financial transaction server provides a financial transaction for providing an internet virtual cyber branch based on the offline branch using the received financial transaction request information. As to a method, it is usually in the art Those skilled in the art may refer to and / or modify this drawing 10 to implement various methods for processing financial transactions for providing an internet virtual cyber branch based on an offline branch in a non-face-to-face manner in addition to the Internet banking. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in this figure.

That is, in FIG. 10, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering financial transaction request information between the client terminal and the internet banking server is illustrated, the present invention may be applied to those skilled in the art. Refer to and / or modify an internet banking-based financial transaction channel connection method using the illustrated browser program to register financial transaction request information between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. top Would be able to infer the exemplary method for connecting the Internet banking based financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 10, a telebanking system and / or Corresponding to each non-face-to-face channel for financial transaction processing for providing an Internet virtual cyber point based on the offline point in all kinds of other non-face-to-face banking systems including at least one wireless banking system and / or a TV banking system. It would be possible to infer an implementation method of linking a financial transaction channel, but the present invention is directed to all of the telebanking system and / or wireless banking system and / or the TV banking system and / or any of the following non-faceted channel banking systems. It includes a kind of non-facing channel-based financial transactions, the technical configuration of the present invention It is by no means limited to the case of Internet banking shown on page 10.

Hereinafter, in FIG. 10, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server is referred to as a "server" for convenience.

Referring to FIG. 10, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1000a), the server connects a communication channel between the terminal and the server through the browser. (1005a), wherein the communication channel is generated (or extracted) a predetermined web page to the terminal at the request of a browser program provided in the terminal, and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in a web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1010a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1015a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1020a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1025a), or if the terminal does not need to install and / or update the Internet banking security module (1015a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1030a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering financial transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1035a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1040a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transactions based on the customer authentication data received from the terminal. (1045a).

If the Internet banking customer authentication fails (1050a), the server blocks the Internet banking secure channel for the terminal (1055a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1050a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (1060a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting the financial transaction request information from the terminal to the server to process the internet banking based financial transaction from the server.

Subsequently, when the terminal requests a financial transaction for providing an internet virtual cyber branch based on the offline branch to a server through the financial transaction channel (1000b), the server corresponds to the internet virtual branch based on the offline branch. Terminal unique information for providing a cyber point is confirmed (1005b).

If the terminal unique information for the terminal is not confirmed (1010b), the server provides a conventional Internet banking service according to the terminal unique information check error (1015b).

On the other hand, if the terminal unique information for the terminal is confirmed (910), based on the identified terminal unique information user interface for inputting (or selecting) image information and financial transaction request information for a nearby branch (or branch) A web page including the web page is generated (or extracted) (1020b).

Thereafter, when the server transmits the generated (or extracted) web page to the terminal (1025b), the terminal correspondingly inputs (or selects) the financial transaction request information through the user interface (1030b). .

If the financial transaction request information is input (or selected) through the user interface at the terminal (1035b), the terminal transmits the input (or selected) financial transaction request information to the server through the communication channel. 1000c, transmitting the financial transaction request information input (or selected) to the server through the communication channel to the terminal, transmitting the financial transaction request information input (or selected) through the user interface to the terminal. It is preferable to further include transmitting to the server by digital signature and / or encryption through the provided security module (not shown).

Thereafter, the server receives and reads the financial transaction request information through the communication channel to confirm the validity of the financial transaction request information (1005c), and the validity of the financial transaction request information is the financial Decrypting the financial transaction request information, and / or decrypting the financial transaction request information when the transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal. It is preferable to make.

If the validity of the financial transaction request information is not authenticated (1010c), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1015c), and the communication channel The financial transaction result information including the financial transaction processing history is transmitted to the terminal (1030c), and the terminal outputs the financial transaction result including the financial transaction processing history (1035c).

On the other hand, if the validity of the financial transaction request information is authenticated (1010c), the server performs a financial transaction for providing an internet virtual cyber branch based on the offline branch based on the financial transaction request information in connection with the financial system. Process (1020c).

If a financial transaction corresponding to the financial transaction request information is processed (1025c), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (1030c), and transmits the financial transaction result information including the financial transaction processing history to the terminal through the communication channel (1035c), and correspondingly, the terminal receives the financial transaction result including the financial transaction processing history. The screen is output (1040c).

According to the present invention, by providing image information of a nearby branch (or a branch) based on the location of the customer who wants to use the Internet banking service, there is an advantage that can provide a familiarity to the customer.

Claims

In the method for providing an Internet banking service to one or more terminals requesting a financial transaction service through the Internet,

When the terminal requests the use of the Internet banking service, checking terminal specific information on the terminal and checking the location of the terminal based on the identified terminal unique information;

Identify a branch (or branch) of a financial institution adjacent to the identified terminal location, and generate (or extract) a web page including image information on the identified branch (or branch) and a financial transaction UI (user interface) Doing;

And processing the generated (or extracted) web page to be transmitted to and outputted from the terminal.

The method of claim 1, wherein the image information about the identified point (or branch),

Method for providing an Internet banking service, characterized in that it comprises the internal / external image information for the identified point (or sales branch), or caricature image information of the employee belonging to the confirmed point (or sales branch).

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

In the system for providing an Internet banking service to one or more terminals requesting a financial transaction service through the Internet,

Means for confirming terminal specific information on the terminal and confirming the location of the terminal based on the identified terminal unique information when the terminal requests the use of the Internet banking service;

Identify a branch (or branch) of a financial institution adjacent to the identified terminal location, and generate (or extract) a web page including image information on the identified branch (or branch) and a financial transaction UI (user interface) Means for doing so;

And means for processing the generated (or extracted) web page to be transmitted to the terminal for output.