KR20100036460A

KR20100036460A - System and method for managing virtual cyber branch and recording medium

Info

Publication number: KR20100036460A
Application number: KR1020080095701A
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 managing a virtual cyber branch and a recording medium thereof are provided to supply a virtual cyber branch to an online community, thereby easily using a banking transaction service among community members. CONSTITUTION: One or more community members are set as staff of a cyber branch. If a community member requests a banking service to the virtual cyber branch through a terminal, access of a person in charge for the banking service among employees of the virtual cyber branch is checked(1260). If the access of the person in charge is checked, the banking service is processed through the person in charge(1270).

Description

System and Method for Managing Virtual Cyber Branch 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 view showing a virtual cyber branch establishment processing system for the Internet virtual cyber branch establishment process according to an embodiment of the present invention.

9 is a diagram illustrating a process for establishing an Internet virtual cyber branch according to an embodiment of the present invention.

10 is a diagram illustrating an information registration process for an Internet virtual cyber branch establishment process according to an embodiment of the present invention.

11 is a diagram illustrating a non-face-to-face financial transaction system for providing community financial services according to an embodiment of the present invention.

12 is a diagram illustrating a process of processing a financial transaction for providing a community financial service in a non-face-to-face manner to provide a community financial service 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

According to an embodiment of the present invention, when a request for opening a virtual cyber branch for using a financial service is made through an online community, setting the owner of the community as a cyber branch manager and opening and processing a virtual cyber branch having at least one community member as an employee of the cyber branch And, if a member belonging to the community requests a financial service by accessing the virtual cyber branch through a terminal, checking whether the person in charge of the financial service among the employees of the virtual cyber branch access, When it is confirmed whether the contact person for the financial service requested by the member belonging to the community, the virtual cyber branch operating method comprising the step of processing the financial service through the contact.

The development of information and communication technology and the development of the financial industry are fused together to provide a new type of financial services.

In this situation, the virtual cyber space, which has recently been in the spotlight, is a space that can be used as a new society for various people beyond the cyber space.

The new virtual society provided through this virtual cyber space is a simple virtual society, and the financial transaction services cannot be missed, and these financial transaction services are financial services that are integrated with reality rather than being provided only by the simple virtual cyber space. However, there is a difficult problem to solve.

An object of the present invention for solving the above problems, when requesting the establishment of a virtual cyber branch for the use of financial services through an online community, sets the head of the community as the cyber branch manager, and one or more community members as employees of the cyber branch Means for opening and processing a virtual cyber branch, and if a member belonging to the community requests a financial service by accessing the virtual cyber branch through a terminal, whether a representative of the employee of the virtual cyber branch is connected to the financial service. The present invention provides a virtual cyber branch operating system including a means for checking and means for processing a financial service through the person in charge, when it is confirmed that the member of the community has access to the person in charge of the financial service requested by the member. .

In the virtual cyber branch operating method according to the present invention, when requesting the establishment of a virtual cyber branch for the use of financial services through an online community, the owner of the community is set as a cyber branch manager, and one or more community members are employees of the cyber branch. Opening and processing a virtual cyber branch; and when a member belonging to the community requests a financial service by accessing the virtual cyber branch through a terminal, checking whether a person in charge of the virtual cyber branch is connected to the financial service. And confirming whether or not a person in charge of accessing the financial service requested by the member belonging to the community is processed, processing the financial service through the human resources.

In the virtual cyber branch operating method according to the present invention, when a member belonging to the community requests a financial service by accessing the virtual cyber branch, the location of the terminal is checked, and a neighboring branch (or a branch) based on the confirmed position Providing image information of); characterized in that it further comprises.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described virtual cyber point operating method.

On the other hand, the virtual cyber branch operating system according to the present invention, when requesting the establishment of a virtual cyber branch for the use of financial services through an online community, sets the owner of the community as the cyber branch manager, and at least one community member of the staff of the cyber branch Means for opening and processing a virtual cyber branch, and if a member belonging to the community requests a financial service by accessing the virtual cyber branch through a terminal, whether a person in charge of the virtual cyber branch is connected to the financial service. Means for confirming, and, as a result of the checking, if it is confirmed whether a member of the community has access to a person in charge of the requested financial service, means for processing the financial service through the person in charge.

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 However, various implementation methods for the configuration of the information registration system for providing the Internet virtual cyber branch using the image of the actual offline branch (or branch) may be inferred by referring to and / or modifying the drawing 1. 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), the branch (or branch) on the information registration system shown in FIG. At least one means for storing at least one employee information belonging to the at least one employee information, caricature image information about the employee, image registration request information including at least one customer information in charge of the employee in the storage medium 135 and / Or the component corresponding to the functional configuration is referred to as "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-)). a wired terminal including a desktop computer and / or a laptop connected to the information registration server 100 through 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 / Or at least one wireless terminal including at least one WLAN terminal connected to an IEEE 802.11x based WLAN 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 will be able to easily infer the characteristics of the client terminal 150 corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof 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. , 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. desirable.

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 branch) management number (or management code) assigned for management, the address of the branch (or branch), telephone number, branch manager (or branch manager) name or the like is preferably made of at least one or more.

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 terminal unique information such as USIM (Universal Subscriber Identify Module) provided in the mobile terminal to authenticate the customer based on the mobile terminal used by the customer. And the external image information provided in correspondence with the branch (or branch) registered by the customer, 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, 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), the internal image information provided corresponding to the branch (or branch) registered by the customer is preferable, and by providing external image information for the branch (or branch), the branch (or branch) is provided. 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.

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 via the network means and the Internet banking system. 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, 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) by connecting, and the employee management D / B (145) It may be provided on a separate system connected via the Internet 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, and 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 responsible customer information in charge of the employee.

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, the client terminal 150 to display the image registration interface screen 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 the browser program provided in the terminal 150, predetermined branch (or branch) information, branch (or branch) image information on the branch (or branch), one or more employees belonging to the branch (or branch) Input (or select) image registration request information including one or more pieces of information, caricature image information about the employee, and customer information responsible for the employee, and transmit the information to the information registration server 100 through the network means. A predetermined image registration interface screen is generated, and / or extracted from a predetermined database (not shown), and associated 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 registration that includes 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 in charge of the employee. Be familiar with the technical features for inputting (or selecting) request information and for transmitting the image registration request information input (or selected) to the information registration server 100 through a communication protocol provided by the network means. Since it will be, a 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 employee information and caricature image information, the customer information responsible for the employee is further confirmed in connection with the customer management D / B (140), the confirmed customer It is preferable to store the customer information for the 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).

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.

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, 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.

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 correspondingly, the server responds to the point (or branch) information in the terminal, a branch to 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 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.

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). In the case of using the service, it is preferable that the external image information is 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 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.

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 only 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 " 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).

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 305, and correspondingly, the server responds to the branch (or branch) information and the branch (or branch) for the branch (or branch) in the terminal. 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 (Or extract) 310, and transmits the generated (or extracted) image registration interface screen to the terminal through 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 the image registration request information including one or more of the customer information responsible for the 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).

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 the banking) service, it is desirable to provide a familiarity with 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 (eg, the name, social security number, home address, personal telephone) of one or more teller (or administrative) employees of the branch (or branch office). Number, mobile phone number, personal email 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). Do.

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, one of ordinary skill in the art to which the present invention pertains may refer to and / or refer to FIG. 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).

In more detail, in FIG. 5, 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 one or more employee information for providing a cyber branch and caricature image information of the employee is transmitted, the information registration server 100 checks the validity of the image registration request information, and then the validity. Regarding the process of storing the confirmed image registration request information in the storage medium 135, those skilled in the art to which the present invention pertains, the actual offline point (see FIG. Or various branches of the information registration process for providing an Internet cyber cyber branch using the image of a sales office) Would be able to infer the way, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

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 branch using an image of (505), and correspondingly, the server includes one or more employee information and caricature image information of the employee in the terminal. An image registration interface screen including a user interface for inputting (or selecting) registration request information is generated (or extracted) (510), and the generated (or extracted) image registration interface screen is transmitted through the terminal. 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 checks the confirmed branch (or branch) information and the responsible customer information. In operation 565, the storage device 135 is connected to the received image registration request information and stored in the storage medium 135 shown in FIG. 1.

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 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 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.

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., at least one CIF (Customer Information File), member ID information, etc., assigned by the customer as a financial transaction customer).

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 omit the process of checking 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).

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) in the terminal. 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).

8 is a diagram illustrating a virtual cyber branch establishment processing system for an internet virtual cyber branch establishment process according to an embodiment of the present invention.

In more detail, FIG. 8 shows that a predetermined virtual cyber branch establishment request terminal 835 accesses a server on a virtual cyber branch establishment processing system through a predetermined network means to process the Internet virtual cyber branch establishment process. When the virtual cyber branch establishment request information including at least one branch employee information of a branch operated by the branch manager is provided, the virtual cyber branch establishment request information provided from the virtual cyber branch establishment request terminal 835 is provided by the server. As a configuration of a virtual cyber branch establishment processing system stored in the cyber branch management D / B (830) provided on the virtual cyber branch establishment processing system, those skilled in the art to which the present invention pertains, The Internet virtual cyber branch establishment site by referring to and / or modifying Fig. 8 For the would be able to infer a variety of exemplary methods for the virtual cyber points established treatment system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

For example, a person having ordinary technical knowledge in the technical field to which the present invention belongs may refer to and / or modify this drawing 8, and in addition to a method of directly inputting virtual cyber branch establishment request information by a customer, the customer may refer to a financial institution. If a visitor fills out a predetermined application and submits it, the employee of the financial institution confirms it and inputs it, thereby inferring a method and / or process of opening a virtual cyber branch and inferring the present invention. It is not limited.

Hereinafter, the branch manager member ID information provided from the virtual cyber branch establishment request terminal 835 on the virtual cyber branch establishment processing system shown in FIG. 8 and at least one branch employee information of a branch operated by the branch manager. At least one means and / or function for opening and processing a virtual cyber branch on the Internet based on the virtual cyber branch opening request information and storing the result of the virtual cyber branch opening processing in the cyber branch management D / B 830. Components corresponding to the configuration are referred to as "virtual cyber branch establishment processing server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, the virtual cyber branch establishment processing system for the Internet virtual cyber branch establishment process according to the present invention includes at least one virtual cyber branch establishment request terminal connected to a predetermined network means. 835, a cyber branch storing virtual cyber branch establishment request information including at least one branch manager member ID information transmitted from the virtual cyber branch establishment request terminal 835 and branch employee information of a branch operated by the branch manager. The cyber point management D is connected to the management D / B 830 and the virtual cyber point establishment request terminal 835 through a predetermined network means, and receives the virtual cyber point establishment request information transmitted through the network means. It includes a virtual cyber branch establishment processing server 800 to store in / B (830) It shall be.

The virtual cyber branch establishment request terminal 835 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). And at least one wired terminal including a desktop computer and / or a laptop connected to the virtual cyber branch establishment server 800 through a Very High Data Rate Digital Subscriber Line and / or a cable communication network. And / or 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 an IEEE 802.16x based high speed wireless Internet. At least one wireless terminal including at least one portable internet terminal, and / or a wireless LAN terminal connected to an IEEE 802.11x based wireless LAN communication network. The virtual cyber branch establishment request terminal 835 outputs at least one virtual cyber branch establishment request interface screen provided by the virtual cyber branch establishment processing server 800, and the virtual cyber branch establishment request terminal 835. A function configuration (eg, a browser program and a communication function) for inputting and / or selecting at least one or more information through the branch establishment request interface screen and transmitting to the virtual cyber branch establishment processing server 800 is preferably provided. .

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the virtual cyber branch establishment request terminal 835 corresponding to at least one or more wired terminals and / or wireless terminals. Detailed description thereof will be omitted for convenience.

If the virtual cyber point establishment request terminal 835 is a wired terminal, the network means includes the TCP / IP or UDP / IP based wired communication network, and the virtual cyber point establishment When the requesting terminal 835 is a wireless terminal, the network means is 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 include at least one.

The cyber branch management D / B 830 provided on the virtual cyber branch establishment processing system according to the present invention is branch manager member ID information transmitted from the virtual cyber branch establishment request terminal 835, a branch operated by the branch manager. The virtual cyber branch establishment process result information is stored based on the virtual cyber branch establishment request information including at least one branch employee information.

Here, the branch manager member ID information included in the virtual cyber branch establishment request information is a community syps on the Internet requesting the establishment of a virtual cyber branch to provide community financial services to the community that has requested the establishment of the virtual cyber branch; Or it is preferably made to include member ID information, such as the operator, may be customer information corresponding to the member to be the branch manager instead of member ID information according to the intention and purpose of those skilled in the art, whereby the present invention is not limited.

In addition, the branch employee information included in the cyber branch establishment request information may be provided by the virtual cyber branch after the virtual cyber branch is opened to provide community financial services to the community requesting the establishment of the virtual cyber branch. In order to process a financial service, it is necessary to include at least one member ID information and a task information for each financial service provided by the virtual cyber branch to a member to be an employee instead of member ID information according to the intention and purpose of those skilled in the art. Corresponding customer information may also be present, whereby the present invention is not limited.

The branch manager information included in the virtual cyber branch establishment process result information may include member ID information such as a sypsop or an operator on a community in which the establishment of the cyber cyber branch is established by requesting the establishment of the virtual cyber branch. Depending on the intention and purpose of those skilled in the art may be customer information corresponding to the member becomes the branch manager instead of the member ID information, whereby the present invention is not limited.

In addition, the branch employee information included in the cyber branch establishment processing result information may include at least one member ID information and at least one responsible task information for at least one member in the community where the establishment of the cyber cyber branch is requested by opening the virtual cyber branch. And, according to the intention and purpose of those skilled in the art may be customer information corresponding to the member becomes an employee instead of the member ID information, whereby the present invention is not limited.

According to an embodiment of the present invention, the virtual cyber branch establishment processing server 800 provides the web interface corresponding to the virtual cyber branch establishment request terminal 835 and network means, through the network means, through the virtual cyber means. And an interface unit 805 (or interface means) for connecting and managing a branch establishment request terminal 835 and a predetermined communication channel, whereby the virtual cyber branch establishment processing server 800 is configured as described above. The virtual cyber branch establishment request terminal 835 has a function of a web server that is connected to the communication via a wired and / or wireless communication network.

According to an embodiment of the present invention, when the virtual cyber point establishment request terminal 835 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 may be used. The virtual cyber branch establishment request terminal 835 is connected to a predetermined communication channel based on the HTTP (Hyper-Text Transfer Protocol) protocol, and the HTML (Hyper-) is transmitted to the virtual cyber branch establishment request terminal 835 through the communication channel. Text Markup Language) transmits and outputs a virtual cyber point establishment request interface screen and / or an information providing screen in a compatible document form, and inputs the virtual cyber point establishment request terminal 835 through the virtual cyber point establishment request interface screen ( Or selected) at least one predetermined branch manager member ID information and branch employee information of a branch operated by the branch manager. It is preferable to perform a function of receiving and processing cyber branch establishment request information.

According to another exemplary embodiment of the present invention, when the virtual cyber point establishment request terminal 835 is a wireless terminal to which a communication channel is connected through a CDMA based wireless communication network, the interface unit 805 requests the establishment of the virtual cyber point. Connect a predetermined communication channel based on the terminal 835 and the Wireless Application Protocol (WAP) and / or Mobile Explorer (ME) protocol, and transmit the WML (WML) to the virtual cyber branch establishment request terminal 835 through the communication channel. Markup Language) and / or HTML cyber document establishment request interface screen and / or information providing screen to transmit and output, and from the virtual cyber branch establishment request terminal 835 to the virtual cyber branch establishment request interface screen At least one corresponding predetermined branch manager member ID information and branch employee information of the branch operated by the branch manager. It is preferable to perform the function of receiving process virtual cyber branch opening request information.

According to another exemplary embodiment of the present invention, when the virtual cyber point establishment request terminal 835 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 virtual cyber. Connects a predetermined communication channel based on a wireless communication protocol corresponding to the IEEE 802.16x standard with a branch establishment request terminal 835 and a predetermined cyber cyber point to the virtual cyber branch establishment request terminal 835 through the communication channel. It transmits and outputs the establishment request interface screen and / or the information providing screen, and operates the branch manager member ID information corresponding to the virtual cyber branch establishment request interface screen from the virtual cyber branch establishment request terminal 835 and the branch manager. Receive virtual cyber branch establishment request information including at least one branch employee information of the branch It is preferable to perform the function, and / or when the virtual cyber point establishment request terminal 835 is a wireless terminal to which the communication channel is connected through a wireless communication network based on IEEE 802.11x, the interface unit 805 is The virtual cyber point establishment request terminal 835 is connected to a predetermined communication channel based on a wireless protocol corresponding to the IEEE 802.11x standard, and a predetermined communication channel is established to the virtual cyber point establishment request terminal 835 through the communication channel. Transmits and outputs a virtual cyber branch establishment request interface screen and / or an information providing screen, and outputs predetermined virtual cyber branch establishment request information corresponding to the virtual cyber branch establishment request interface screen from the virtual cyber branch establishment request terminal 835. It is preferable to perform a function of receiving processing.

Referring to FIG. 8, the virtual cyber point establishment processing server 800 is connected to a virtual cyber point establishment processing server 800 through a interface 805 via a predetermined cyber cyber point establishment request terminal 835. In response to the interface unit 805, the virtual cyber branch establishment request terminal 835 includes at least one predetermined branch manager member ID information, branch employee information of the branch operated by the branch manager virtual cyber branch establishment request An interface providing unit 810 (or an interface providing unit) for generating (or extracting) a predetermined virtual cyber point opening request interface screen for inputting (or selecting) and transmitting information, and the interface unit 805; The virtual cyber branch establishment request terminal 835 is interlocked to input through the virtual cyber branch establishment request interface screen (or a line). An information receiver 815 (or an information receiving means) for receiving virtual cyber branch establishment request information to be transmitted) and a virtual cyber branch for providing community financial services based on the received virtual cyber branch establishment request information. It is characterized by comprising a cyber branch establishment processing unit 825 (or cyber branch establishment processing means) for processing.

The interface provider 810 is a virtual cyber point establishment request terminal 835 is connected to the virtual cyber point establishment processing server 800 through the interface unit 805, the virtual cyber point establishment request terminal ( At least one branch manager member ID information and branch employee information of a branch operated by the branch manager in response to a functional configuration (eg, a browser program provided in the virtual cyber branch establishment request terminal 835) Generate a predetermined cyber cyber point establishment request interface screen capable of inputting (or selecting) virtual cyber point establishment request information to be transmitted to the virtual cyber point establishment process server 800 through the network means, and / or Extracted from a predetermined database (not shown), and generated (or extracted) in conjunction with the interface unit 805 A cyber to the point opening request interface screen, characterized in that it provides the requesting terminal 835 to the opened virtual cyber points through the network means.

Thereafter, the virtual cyber branch establishment request terminal 835 includes at least one branch manager member ID information and branch employee information of a branch operated by the branch manager based on the virtual cyber branch establishment request interface screen. When it is confirmed that the branch establishment request information is input (or selected) and the virtual cyber branch establishment request information is input (or selected), the virtual cyber branch establishment request terminal 835 inputs (or selects) through the network means. The selected cyber cyber branch establishment request information is transmitted to the virtual cyber branch establishment process server 800.

Those skilled in the art to which the present invention belongs, the branch manager member through at least one form (Form) included in the virtual cyber branch establishment request interface screen in the virtual cyber branch establishment request terminal 835 Technical features for inputting (or selecting) virtual cyber branch establishment request information including at least one of ID information and branch employee information of a branch operated by the branch manager, and the input through a communication protocol provided by the network means. Or) will be familiar with the technical features for transmitting the virtual cyber branch establishment request information to the virtual cyber branch establishment processing server 800, a detailed description thereof will be omitted for convenience.

The information receiving unit 815 includes at least one branch manager member ID information and branch employee information of a branch operated by the branch manager through the virtual cyber branch establishment request interface screen at the virtual cyber branch establishment request terminal 835. When the virtual cyber branch establishment request information is input (or selected) and transmitted through the network means, the virtual cyber branch establishment request information is received in cooperation with the interface unit 805. The virtual cyber branch establishment request information is provided to the information storage unit.

The cyber branch establishment processing unit 825 is based on the virtual cyber branch establishment request information including at least one branch manager member ID information received through the information receiving unit 815, branch staff information of the branch operated by the branch manager. And establishing a virtual cyber branch opening result for providing community financial services, generating virtual cyber branch opening processing result information according to the virtual cyber branch opening processing result, and generating the generated virtual cyber branch opening processing result information. And store the information on the cyber point management D / B 830.

Here, the branch manager information included in the virtual cyber branch establishment process result information may include member ID information such as a syps or an operator on a community in which the establishment of the virtual cyber branch is requested by opening the virtual cyber branch. Depending on the intention and purpose of those skilled in the art may be customer information corresponding to the member becomes the branch manager instead of the member ID information, whereby the present invention is not limited.

Referring to FIG. 8, the virtual cyber branch establishment processing server 800 may include at least one of the received branch manager member ID information and branch employee information of a branch operated by the branch manager. Characterized in that it comprises a validation unit 820 (or validation means) for checking the validity.

According to an embodiment of the present invention, the virtual cyber branch establishment request information may include 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 Or, when encrypted with a key exchange-based encryption scheme, the validity verification unit 820 includes at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. And / or 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 virtual cyber branch establishment request information. Do.

Alternatively, when a predetermined electronic signature is attached to the virtual cyber point opening request information, the validity checker 820 checks the electronic signature attached to the virtual cyber point opening request information, thereby establishing the received virtual cyber point opening. It is desirable to authenticate the validity of the request information.

Those skilled in the art to which the present invention pertains check the technical features of the various decryption schemes for decrypting the encrypted virtual cyber branch establishment request information and the electronic signature attached to the virtual cyber branch establishment request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

When the virtual cyber branch establishment request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the virtual cyber branch establishment request information, the validity The verification unit 820 compares and authenticates the password included in the virtual cyber branch establishment request information with a password provided corresponding to the customer on the DBMS, thereby validating the received virtual cyber branch establishment request information. It is desirable to authenticate.

Alternatively, when the virtual cyber branch establishment request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the virtual cyber branch establishment request information, the validity verification unit ( 820 compares and authenticates the security card information included in the virtual cyber branch establishment request information with the security card information provided corresponding to the customer on the DBMS, thereby validating the received virtual cyber branch establishment request information. It is desirable to authenticate.

Alternatively, when the virtual cyber branch establishment request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the virtual cyber branch establishment request information, the validity confirming unit 820 ) Compares and authenticates the received OTP code included in the virtual cyber branch establishment request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received virtual cyber. It is desirable to authenticate the validity of the branch establishment request information.

According to an embodiment of the present invention, the validation of the virtual cyber branch establishment request information may include at least a match with the virtual cyber branch establishment request information in a ledger D / B on a financial system associated with the Internet virtual cyber branch operation system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the virtual cyber branch establishment request information is confirmed from a community operation server (not shown) that manages member information matching the member ID information among the information included in the virtual cyber branch establishment request information. It is preferable to include whether the information matching the identified member information matches the customer ledger stored in the ledger D / B on the financial system associated with the Internet virtual cyber branch management system.

In more detail, in FIG. 9, the virtual cyber branch establishment request terminal 835 on the virtual cyber branch establishment processing system shown in FIG. 8 is connected to the virtual cyber branch establishment processing server 800 through a predetermined network means. When the virtual cyber branch establishment request information including at least one branch manager member ID information for branch establishment processing and branch staff information of a branch operated by the branch manager is transmitted, the virtual cyber branch establishment processing server 800 transmits the virtual information. After verifying the validity of the cyber branch establishment request information, the virtual cyber branch establishment process is processed based on the validated virtual cyber branch establishment request information, and the virtual cyber branch establishment processing information according to the virtual cyber branch establishment process is performed. As for the process of storing in the cyber branch management D / B (830), Those skilled in the art will be able to infer various implementation methods for the information registration process for the Internet virtual cyber branch establishment process by referring to and / or modifying the drawing 9, but the present invention is It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the virtual cyber point establishment processing server 800 on the virtual cyber point establishment processing system shown in FIG. 8 is referred to as a "server" for convenience, and the virtual on the virtual cyber point establishment processing system shown in FIG. The cyber branch establishment request terminal 835 is referred to as a "terminal" for convenience.

Referring to FIG. 9, a terminal on the virtual cyber branch establishment processing system shown in FIG. 8 accesses the server through the network means and connects a communication channel for internet virtual cyber branch establishment process (900).

Those skilled in the art to which the present invention pertains, the terminal is connected to the server according to the communication protocol corresponding to the network means through a predetermined browser program corresponding to the network means to the Internet virtual cyber point Since it will be familiar with the technical features of connecting the communication channel for the opening process, a detailed description thereof will be omitted for convenience.

When the communication channel for the Internet virtual cyber branch establishment process is connected between the terminal and the server as described above, the terminal opens a virtual cyber point establishment request interface screen for the Internet virtual cyber branch establishment process through the communication channel. Request (905), and correspondingly, the server inputs (or selects) virtual cyber branch establishment request information including at least one branch manager member ID information and branch employee information of a branch operated by the branch manager in the terminal. A virtual cyber point establishment request interface screen including a user interface for generating (or extracting) a screen (910) and the generated (or extracted) virtual cyber point establishment request interface screen is transmitted to the terminal through the communication channel. (915).

Subsequently, the terminal displays on the virtual cyber branch establishment request interface screen for inputting (or selecting) virtual cyber branch establishment request information including at least one branch manager member ID information and branch employee information of a branch operated by the branch manager. The virtual cyber point establishment request information is input (or selected) through the included user interface (920).

If the terminal inputs (or selects) virtual cyber branch establishment request information including at least one of the branch manager member ID information and the branch employee information of the branch operated by the branch manager (925), the terminal receives the communication channel. The virtual cyber branch establishment request information is transmitted to the server through 930.

In addition, the branch employee information included in the cyber branch establishment request information is provided by the virtual cyber branch after the establishment of the virtual cyber branch for providing community financial services to the community requesting the establishment of the virtual cyber branch. In order to process the above-described financial services, the member to be an employee instead of the member ID information according to the intention and purpose of the skilled person, comprising at least one member ID information and the task information for each financial service provided by the virtual cyber branch It may also be customer information corresponding to, thereby the present invention is not limited.

Thereafter, the server receives the virtual cyber point establishment request information transmitted from the terminal and checks the validity of the received virtual cyber point establishment request information (935).

When the virtual cyber branch establishment request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for confirming the validity of the virtual cyber branch establishment request information, the validity The verification unit 820 compares and authenticates the password included in the virtual cyber branch establishment request information with a password provided corresponding to the customer on the DBMS, thereby validating the validity of the received virtual cyber branch establishment request information. It is desirable to authenticate.

According to an embodiment of the present invention, the validity of the virtual cyber branch establishment request information is at least one matched with the virtual cyber branch establishment request information in the ledger D / B on the financial system associated with the Internet virtual cyber branch management system It is preferable to include checking whether the above ledger information is registered.

If the validity of the received virtual cyber branch establishment request information is not confirmed (940), the server generates (or extracts) validation error information for the received virtual cyber branch establishment request information, and The generated (or extracted) error information is transmitted to the terminal and processed to be output (945).

On the other hand, when the validity of the received virtual cyber branch establishment request information is confirmed (940), the server opens a virtual cyber branch based on the received virtual cyber branch establishment request information, the virtual cyber branch Generate (or extract) cyber branch establishment process result information according to the establishment process (950), and generate the cyber cyber branch establishment process result information (or extracted) cyber branch management D / B (830) shown in FIG. (955).

In more detail, in FIG. 10, the virtual cyber branch establishment request terminal 835 on the virtual cyber branch establishment processing system illustrated in FIG. 8 is connected to the virtual cyber branch establishment processing server 800 through a predetermined network means. When the virtual cyber branch establishment request information including at least one branch manager member ID information for branch establishment processing and branch staff information of a branch operated by the branch manager is transmitted, the virtual cyber branch establishment processing server 800 transmits the virtual information. The process of storing the cyber branch establishment request information in the cyber branch management D / B 830, and a person having ordinary knowledge in the technical field to which the present invention belongs, will refer to and / or modify this drawing 10 to virtualize the Internet. Various implementation methods of the information registration process for cyber branch opening process can be inferred, but It said method includes all embodiments in which the inference, shall not be limited to the exemplary method shown in the figure 10.

Hereinafter, in FIG. 10, the virtual cyber point establishment processing server 800 on the virtual cyber point establishment processing system shown in FIG. 8 is referred to as a "server" for convenience, and the virtual on the virtual cyber point establishment processing system shown in FIG. The cyber branch establishment request terminal 835 is referred to as a "terminal" for convenience.

Referring to FIG. 10, a terminal on the virtual cyber point establishment processing system shown in FIG. 8 accesses the server through the network means and connects a communication channel for internet virtual cyber point establishment process (1000).

When the communication channel for the Internet virtual cyber branch establishment process is connected between the terminal and the server as described above, the terminal opens a virtual cyber point establishment request interface screen for the Internet virtual cyber branch establishment process through the communication channel. In response to the request (1005), the server inputs (or selects) virtual cyber branch establishment request information including at least one branch manager member ID information and branch employee information of a branch operated by the branch manager in the terminal. Generate (or extract) a virtual cyber point establishment request interface screen including a user interface for performing the operation (1010), and transmit the generated (or extracted) virtual cyber point establishment request interface screen to the terminal through the communication channel; (1015).

Subsequently, the terminal displays on the virtual cyber branch establishment request interface screen for inputting (or selecting) virtual cyber branch establishment request information including at least one branch manager member ID information and branch employee information of a branch operated by the branch manager. The virtual cyber point establishment request information is input (or selected) through the included user interface (1020).

If the terminal inputs (or selects) virtual cyber branch establishment request information including at least one branch manager member ID information and branch employee information of a branch operated by the branch manager (1025), the terminal is connected to the communication channel. The virtual cyber point establishment request information is transmitted to the server through 1030, and correspondingly, the server receives the virtual cyber point establishment request information transmitted from the terminal.

In addition, the branch employee information included in the cyber branch establishment request information may be provided by the virtual cyber branch after the virtual cyber branch is opened to provide community financial services to the community requesting the establishment of the virtual cyber branch. In order to process a financial service, it is necessary to include at least one member ID information and a task information for each financial service provided by the virtual cyber branch to a member to be an employee instead of member ID information according to the intention and purpose of those skilled in the art. Corresponding customer information may also be used, whereby the present invention is not limited.

Thereafter, the server opens a virtual cyber branch based on the received virtual cyber branch establishment request information, and then generates (or extracts) cyber branch establishment processing result information according to the virtual cyber branch establishment process (1035). In operation 1040, the generated cyber cyber point opening process result information is stored in the cyber point management D / B 830 shown in FIG.

Here, the branch manager information included in the virtual cyber branch establishment process result information includes member ID information such as Sysop or an operator on a community in which the establishment of the virtual cyber branch is established by requesting the establishment of the virtual cyber branch. In accordance with the intention and purpose of the member ID information instead of the branch manager may be customer information corresponding to the member, whereby the present invention is not limited.

11 illustrates a non-face-to-face financial transaction system for providing community financial services according to an embodiment of the present invention.

More specifically, FIG. 11 illustrates that a predetermined customer includes at least one sender ID information, a transfer amount information, transaction authentication information, and a payee ID information for providing the community financial service to a financial transaction system through a predetermined financial transaction interface. When the financial transaction request information is provided, the financial transaction system provides the financial transaction for providing the community financial service using the remitter ID information, the transfer amount information, the transaction authentication information, and the payee ID information included in the provided financial transaction request information. As a system configuration for providing the present invention, those skilled in the art to which the present invention pertains, various implementation methods for the financial transaction system configuration for providing community financial services by referring to and / or modified in this figure 11 It may be inferred, but the present invention is directed to all inferred It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, at least one or more means for providing a financial transaction for providing the community financial service using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. The component corresponding to the functional configuration is referred to as a "financial transaction server 1100" for convenience, and the financial transaction server 1100 in FIG. 11 providing the non-face-to-face financial transaction service is an Internet banking server or a wireless banking. It is preferable to include all types of non-face-to-face banking servers including at least one server, a home banking server, and the like.

Referring to FIG. 11 according to an embodiment of the present invention, the financial transaction system for providing a community financial service includes at least one client terminal including at least one wired terminal and / or wireless terminal used by a customer. The financial transaction terminal 1150, a network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 1150 is connected, and connected to the financial transaction terminal 1150 through the network means. It comprises a financial transaction server 1100 for processing financial transactions for providing financial services and a financial system in which the remitter ID is established.

The financial system that processes the at least one financial transaction service through the remitter ID in connection with the financial transaction server 1100 may include at least one window terminal and a predetermined terminal at a branch (and / or branch) of the financial institution. Characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction services to at least one financial transaction customer through the window terminal.

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. 11, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing 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.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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). Characterized in that the link is processed and stored, the ledger information corresponds to the remitter ID It is characterized in that it comprises a predetermined account ledger.

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 customer accesses the financial transaction server 1100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Inputting (or selecting) financial transaction request information for providing the community financial service through at least one user interface provided by the financial transaction server 1100, the client terminal may perform the financial transaction through a predetermined network means. It is preferable to transmit to the financial transaction server 1100 provided on the system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP), and the TCP / IP or Desktop computer and / or notebook connected to a UDP / IP based communication network, or a home appliance terminal connected to the TCP / IP or UDP / IP based communication network (eg, Set-Top-Box), Or at least one kiosk connected to a TCP / IP or UDP / IP based communication network.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial transaction server 1100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the financial transaction server 1100 may be a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the financial transaction server 1100, inputs and / or selects at least one or more information through the user interface, and transmits the same to the financial transaction server 1100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial transaction server 1100, etc.) is provided.

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

In the financial transaction system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1100 and And / or the wireless communication network functions as a financial transaction interface for the customer to register financial transaction request information for providing the community financial service.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1150 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1150 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automated device (not shown) and the financial transaction server The financial network connecting 1100 performs a function of a financial transaction interface for the customer to register financial transaction request information for providing the community financial service, and / or the financial transaction terminal 1150 at the call terminal. (Not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 1100 may provide the customer with the community financial service. A financial transaction interface for registering financial transaction request information, and / or the financial transaction terminal 1150 associated with the financial institution. In the case of a terminal (and / or server) (not shown) provided in the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial transaction server 1100 Network connecting the performs the function of the financial transaction interface for the customer to register the financial transaction request information for providing the community financial services.

The financial transaction server 1100 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1150 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 1150 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 1100. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program included in the server (or device), and / or a server provided in the external world on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 1100 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial transaction server 1100 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a wired terminal (or two-way digital TV) connectable with a TV banking server on a predetermined TV banking system, the financial transaction server 1100 may be A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The financial transaction request information transmitted from the financial transaction terminal 1150 to the financial transaction server 1100 for providing the community financial service includes predetermined remitter ID information, transfer amount information, transaction authentication information, and recipient ID information. Characterized in that it comprises at least one or more.

The remitter ID information is characterized by including the member ID information given to the customer, the account number (or electronic money management account) for the member ID-based electronic money management account separately managed in connection with the member ID information Alias, etc.), and according to the intention of the person skilled in the art, customer information (for example, the name of the account holder), and the corresponding financing when the remitter is an actual member of the financial institution providing the community financial service. At least one or more institution information (eg, bank name or bank code), branch information (eg, branch code), contact information (eg, name of the person in charge of opening and remitting the remitter ID) have.

The transfer amount information includes a financial transaction amount (that is, an electronic money amount subject to transfer) transferred from the remitter ID to provide the community financial service, and the transfer amount is stored in connection with the remitter ID. It does not exceed the amount of electronic money (or the amount of electronic money available for electronic money stored in connection with the remitter ID).

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for providing the community financial service. And at least one password corresponding to a remitter ID or a password corresponding to the financial transaction.

In addition, due to the characteristics of the financial transaction system shown in FIG. 11, wherein the financial transaction for providing the community financial service is made through a non-face-to-face channel, the transaction authentication information is provided to the customer in the process of opening the remitter ID. Preferably, the card further includes at least one security code information provided on the card, and / or further includes an OTP code generated through an One Tome Password (OTP) generator provided to the customer.

In addition, the transaction authentication information is characterized in that the financial transaction for providing the community financial service is made through a non-face-to-face channel, the transaction authentication information is the financial transaction terminal 1150 (or the financial The financial transaction based on the authentication certificate information included in the IC card of the customer linked through the integrated circuit (IC) card reader provided in the transaction terminal 1150, or at least one encryption key included in the authentication certificate. Preferably, the method further includes encrypting the request information or attaching the electronic signature of the customer to the financial transaction request information.

The payee ID information includes member ID information assigned to a payee who receives the transfer when the customer requests a transfer to another customer, and is based on a member ID that is separately managed in connection with the member ID information. The account number (or electronic money management account alias, etc.) for the electronic money management account of the.

According to an embodiment of the present invention, the financial transaction server 1100 includes an interface unit 1105 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 1150 through the network means. Characterized in that made.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1105 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is equipped with a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1105 communicates with the client terminal based on the TCP / IP or UDP / IP protocol. Connect a channel and provide a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server 1100, the interface unit 1105 may be configured based on the TCP / IP or UDP / IP protocol. It connects a communication channel with a client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a financial automatic device connected to a predetermined financial network, the interface unit 1105 performs the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1105 may include a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial transaction server 1100, the interface unit 1105 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1105 is connected to the wired telephone network and / or Alternatively, it is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 1105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 11, the financial transaction server 1100 has a predetermined financial transaction terminal 1150 connecting a communication channel with the financial transaction server 1100 through the interface unit 1105, and / or the When a financial transaction for providing the community financial service is requested through a communication channel, the financial transaction terminal 1150 inputs (or selects) and transmits predetermined financial transaction request information in association with the interface unit 1105. And an interface providing unit 1110 (or interface providing means) for generating (or extracting) a predetermined user interface and providing the same to the financial transaction terminal 1150. When a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1110 may be omitted.

The interface providing unit 1110 is provided in the financial transaction terminal 1150 after a predetermined financial transaction terminal 1150 connects a communication channel with the financial transaction server 1100 through the interface unit 1105. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction request information and transmitting it to the financial transaction server 1100 via the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 1105 to the financial transaction terminal 1150 via the network means.

In this case, when the financial transaction terminal 1150 is connected to the financial transaction server 1100 on the provided interface screen, the terminal unique information about the financial transaction terminal 1150 (or the terminal for the customer) is correspondingly provided. Image of a community financial service providing point (or branch) provided through the community to which the customer belongs, and / or a caricature image of an employee belonging to the branch (or branch) based on unique information or login information of the customer). It is preferable to include at least one, and for this purpose it is preferable to further check the terminal unique information for the financial transaction terminal (1150).

When the financial transaction terminal 1150 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network according to an exemplary embodiment of the present invention, the interface providing unit 1110 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1105. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a financial automation device connected to a predetermined financial network, the interface providing unit 1110 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1105.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1110 is the call terminal (shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1105 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1150 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1105. Do.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 1150 and transmitting the financial transaction request information to the financial transaction server 1100 through the network means is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 1110 for providing the user interface to the financial transaction terminal 1150 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one of remitter ID information, transfer amount information, transaction authentication information, and payee ID information to the financial transaction server 1100. It is desirable to include an interface function to transmit to).

Referring to FIG. 11, the financial transaction server 1100 may include at least one remitter ID information, transfer amount information, transaction authentication information, and payee ID information in the financial transaction terminal 1150 through the user interface. When the request information is input (or selected) and transmitted, the financial transaction request information including at least one of the remitter ID information, the transfer amount information, the transaction authentication information, and the payee ID information is linked with the interface unit 1105. An information receiving unit 1115 (or information receiving means) and a validity checking unit for checking the validity of the remitter ID information, the transfer amount information, the transaction authentication information, and the payee ID information included in the received financial transaction request information; 1125) (or validity confirming means) and a financial transaction included in the financial transaction request information in response to the received financial transaction request information. It includes a member ID information for the employee in charge of the task, and information confirmation unit 1130 (or information confirmation means) for confirming the access.

The financial transaction terminal 1150 inputs (or selects) the financial transaction request information including at least one of the remitter ID information, the transfer amount information, the transaction authentication information, and the payee ID information through the user interface. It is characterized in that for transmitting to the financial transaction server 1100.

The information receiving unit 1115 inputs (or selects) financial transaction request information including at least one of remitter ID information, transfer amount information, transaction authentication information, and payee ID information from the financial transaction terminal 1150 through the user interface. And transmit the data through the network means to receive the financial transaction request information in association with the interface unit 1105 and provide the received financial transaction request information to the validity confirming unit 1125. .

The transaction authentication information is information for securing the validity of at least one or more of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for providing the community financial service. And at least one password corresponding to the remitter ID, or a password corresponding to the financial transaction.

The payee ID information includes member ID information assigned to the payee who receives the transfer when the customer requests a transfer to another customer, and is based on a member ID that is separately managed in connection with the member ID information. The account number (or electronic money management account alias, etc.) for the electronic money management account of the.

The validity confirming unit 1125 checks whether the financial transaction request information received from the financial transaction terminal 1150 satisfies the validity for providing a community financial service.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the remitter ID information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the remitter ID is provided. When the account ledger (or the customer ledger corresponding to the remitter ID) is provided, the validity of the financial transaction request information is authenticated. It is preferable to be.

In addition, the validity check of the financial transaction request information includes the amount deposited in the remitter ID (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the remitter ID) in the financial transaction request information. It is preferable to include whether the amount is more than the transfer amount, and if the balance of the remitter ID is greater than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information on the account ledger provided in the ledger D / B on the financial system corresponding to the various passwords and the remitter ID corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 11, when the transaction authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. Security code information corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the remitter ID It is preferable to include a check whether the match, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information may be determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 11, the financial transaction request information includes a predetermined encryption key (for example, an encryption key provided in the financial transaction terminal 1150, or an authentication issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 11, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

The information checking unit 1130, in response to the received financial transaction request information, characterized in that the member ID information for the employee in charge of processing the financial transaction included in the financial transaction request information, and confirms whether or not access do.

According to the method of the present invention, confirming the member ID information for the employee in charge of processing the financial transaction work corresponding to the financial transaction request information, after confirming the financial transaction service for the financial transaction request information requested by the customer By confirming, in association with the cyber branch management D / B 1145, the member ID information for which the checked financial transaction business is in charge, confirming the member ID information for the employee in charge of processing the financial transaction business. desirable.

In addition, if the member ID information is confirmed, it is preferable to further check whether the access to the confirmed member ID.

Referring to FIG. 11, if the financial transaction server 1100 confirms the member ID information of the employee in charge of processing the financial transaction requested by the customer, and confirms that the confirmed member ID is being accessed, After providing the financial transaction request information requested by the customer to the responsible employee, the responsible employee checks this and connects with the financial system to provide the financial transaction for providing the community financial service based on the validated financial transaction request information. In connection with the financial transaction processing unit 1135 (or financial transaction processing unit) and the financial transaction processing unit 1135 for processing the predetermined financial transaction result information for the financial transaction for providing the community financial services, and the interface The information transmission unit 1120 (or transmits the financial transaction result information to the financial transaction terminal 1150 in association with the unit 1105) (or Information transmission means).

When the member ID information for the employee in charge of the financial transaction requested by the customer is confirmed, and the confirmed member ID is confirmed as being connected, the financial transaction processing unit 1135 corresponds to the electronic money management account for the remitter ID. Processing a financial transaction for providing the community financial service based on the remitter ID information, the transfer amount information, the transaction authentication information, and the payee ID information included in the financial transaction request information in connection with a financial system equipped with an account ledger. It features.

According to the implementation method of the present invention, the financial transaction processing unit 1135 is linked to the financial system from the account ledger corresponding to the electronic money management account for the remitter ID information included in the financial transaction request information; It is preferable to process the financial transaction requested by the customer by withdrawing the amount corresponding to the deposit and depositing the withdrawn amount into the account ledger corresponding to the electronic money management account for the payee ID information. In order to process the financial transaction requested by the customer, it is preferable to process the financial transaction request information requested by the customer through the confirmed representative.

Here, the customer who requested the financial transaction, in addition to the electronic money management account, the customer who uses the actual financial transaction service offline through the financial institution (that is, the financial account other than the electronic money management account on the financial system of the financial institution). Customer), an incentive (eg, fee reduction, fee discount, etc.) for a fee generated by the financial transaction service may be provided.

If the employee is not connected, the financial transaction requested by the customer is preferably processed to be stored in connection with the member ID information on the cyber branch management D / B 1145.

When the financial transaction for providing the community financial service is processed by the financial transaction processing unit 1135, the information transmission unit 1120 is connected to the financial transaction processing unit 1135 to provide a financial transaction for providing the community financial service. Generate a financial transaction processing history including one of financial transaction approval history or a financial transaction error history, and connect the network means with financial interface result information including the financial transaction processing history in connection with the interface unit 1105; Characterized in that the transmission to the financial transaction terminal 1150 through.

Here, the financial transaction processing history is characterized in that it comprises the remitter ID information, the transfer amount information and the payee ID information, characterized in that it further comprises an authorization code (or error code) for the financial transaction. do.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1150 via the network means. The financial transaction result information may include the financial transaction. It is preferable that the information is encrypted similarly to the request information or transmitted to the financial transaction terminal 1150 with the electronic signature of the financial institution attached.

More specifically, FIG. 12 illustrates a case where the financial transaction server 1100 on the financial transaction system illustrated in FIG. 11 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 1100 and connecting the communication channel for the financial transaction, the remitter ID information, the transfer amount information, the transaction authentication information, and the recipient to the financial transaction server 1100 through the communication channel. When the financial transaction request information including ID information is transmitted, the financial transaction server 1100 uses the remitter ID information, the transfer amount information, the transaction authentication information, and the recipient ID information included in the received financial transaction request information. The present invention relates to an implementation method for providing a financial transaction for providing a community financial service, to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for the process of processing financial transactions for providing community financial services in the non-face-to-face manner by referring to and / or modifying the drawing 12. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the client terminal shown in FIG. 11 is referred to as a "terminal" for convenience, and the financial transaction server 1100 shown in FIG. 11 is referred to as a "server" for convenience.

Referring to Figure 12, the terminal shown in Figure 11 is a predetermined network means (for example, if the terminal is a wired terminal, TCP / IP or UDP / IP based wired communication network, if the terminal is a wireless terminal, CDMA Accessing the server through a mobile communication network based on a mobile communication network, and / or an HSDPA-based wireless communication network, and / or an IEEE 802.16x-based mobile Internet, etc., to request a financial transaction for providing the community financial service (1200). The server generates a web page including a user interface for inputting (or selecting) financial transaction request information including at least one of remitter ID information, transfer amount information, transaction authentication information, and payee ID information for providing the community financial service. (Or extracted) the data is transmitted to the terminal through the communication channel and output (1205).

Here, when the terminal is connected to the server on the provided interface screen, the customer belongs to the terminal based on the terminal unique information (or terminal specific information about the customer or the login information of the customer) for the terminal correspondingly. At least one image of a community financial service providing branch (or branch) provided through the community and / or a caricature image of an employee belonging to the branch (or branch) is preferably included. It is preferable to further check the unique information on the terminal.

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, the terminal inputs (or selects) financial transaction request information including at least one of the remitter ID information, the transfer amount information, the transaction authentication information, and the payee ID information through the user interface (1210).

If the terminal receives (or selects) financial transaction request information including the remitter ID information, the transfer amount information, the transaction authentication information, and the payee ID information (1215), the terminal establishes the communication channel. The sender ID information, the transfer amount information, the transaction authentication information, and the payee ID information are transmitted to the server (1220), and the input (or selected) remitter ID is input through the communication channel. Transmitting the information, the transfer amount information, the transaction authentication information, and the payee ID information to the server, through the security module (not shown) provided with the financial transaction request information input (or selected) through the user interface Preferably, the method further comprises transmitting the digital signature and / or encryption to the server.

Here, the remitter ID information is characterized by comprising the member ID information given to the customer, the account number (or electronic money) for the member ID-based electronic money management account managed separately in connection with the member ID information Management account alias, etc.), and according to the intention of the person skilled in the art, the customer information (e.g., the name of the account holder), and the remitter is an actual member of the financial institution that provides the community financial services. At least one or more financial institution information (for example, bank name, or bank code), branch information (for example, branch code), contact information (for example, name of the person in charge of opening and in charge of the remitter ID) can do.

In addition, the financial transaction system for providing the community financial services is made through a non-face-to-face channel, characterized in that the financial transaction system shown in Figure 11, the transaction authentication information is provided to the customer in the process of opening the remitter ID security Preferably, the card further includes at least one security code information provided on the card, and / or further includes an OTP code generated through an One Tome Password (OTP) generator provided to the customer.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter ID information, the transfer amount information, the transaction authentication information, and the recipient ID information through the communication channel, thereby validating the validity of the financial transaction request information. And confirming the validity of the financial transaction request information, when the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the financial transaction. Decrypting the request information, and / or decrypting the financial transaction request information is preferably made.

If the validity of the financial transaction request information is not authenticated (1230), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1235), and the communication channel The financial transaction result information including the financial transaction processing history is transmitted to the terminal through the terminal 1255. In response, the terminal outputs the financial transaction result including the financial transaction processing history (1260).

On the other hand, if the validity of the financial transaction request information is authenticated (1230), the server checks the employee information according to the financial transaction request (1240).

According to the method of the present invention, confirming the member ID information for the employee in charge of processing the financial transaction work corresponding to the financial transaction request information, after confirming the financial transaction service for the financial transaction request information requested by the customer Verifying member ID information for the employee in charge of processing the financial transaction by confirming the member ID information in charge of the confirmed financial transaction in association with the cyber branch management D / B 1145. It is preferable.

If the responsible employee information is not confirmed (1245), the server notifies the customer of the inability to process the financial transaction request due to the inability to confirm the responsible employee (1250).

On the other hand, if the employee information is confirmed (1245), the server further checks whether or not the identified employee is connected (1255).

If the confirmed employee is not connected (1260), the server stores the information on the cyber branch management D / B (1145) by connecting the financial transaction request information with the member ID information for the employee in charge ( 1265).

On the other hand, if the identified responsible employee is connected (1260), the server is connected to the financial system equipped with the account ledger corresponding to the remitter ID through the identified responsible staff remitter included in the financial transaction request information A financial transaction for providing the community financial service is processed based on ID information, transfer amount information, transaction authentication information, and payee ID information (1270).

According to the implementation method of the present invention, the server is connected with the financial system and the amount corresponding to the transfer amount information from the account ledger corresponding to the electronic money management account for the remitter ID information included in the financial transaction request information It is preferable to process the financial transaction requested by the customer by processing the withdrawal and depositing the withdrawn money into the account ledger corresponding to the electronic money management account for the payee ID information, and the financial transaction requested by the customer. In order to process, it is preferable to process the financial transaction request information requested by the customer through the confirmed representative.

If a financial transaction corresponding to the financial transaction request information is processed (1275), 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 1280, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel (1285). In response, the terminal transmits the financial transaction result including the financial transaction processing history. Screen output (1290).

According to the present invention, a virtual cyber branch is provided for an online community, thereby providing an advantage of easily using financial transaction services between community members.

Claims

Requesting to establish a virtual cyber branch for use of a financial service through an online community, setting a host of the community as a cyber branch manager and opening and processing a virtual cyber branch having at least one community member as an employee of the cyber branch;

When a member belonging to the community requests a financial service by accessing the virtual cyber branch through a terminal, confirming whether an employee of the virtual cyber branch is connected to the financial service;

And confirming whether a member of the community has access to a contact person for the financial service requested by the member, processing the financial service through the contact person.

The method of claim 1,

When the member belonging to the community requests a financial service by accessing the virtual cyber branch, confirming the location of the terminal and providing image information of a neighboring branch (or a branch) based on the identified location; Virtual cyber branch operation method comprising the.

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

Requesting to establish a virtual cyber branch for the use of financial services through an online community, means for setting a host of the community as a cyber branch manager and opening and processing a virtual cyber branch having at least one community member as an employee of the cyber branch;

Means for confirming whether a member of the community accesses the virtual cyber branch through a terminal to request a financial service, and whether an employee in charge of the financial service is connected among the employees of the virtual cyber branch;

And confirming whether a member of the community has access to a representative of the requested financial service, and means for processing the financial service through the representative.