KR20100041280A - System and method for account for managing gold transaction account by using selling and buying repeatedly and program recording medium - Google Patents

Abstract

PURPOSE: A gold transaction account management method using repetitive trade, a system thereof, and a program recording medium for the same are provided to improve the satisfaction of a customer by offering effective investment technique according to the change of gold price. CONSTITUTION: An account system processes window business of at least one branch office. An information system processes head office business, branch office information support, and client information management. A foreign system offers various financial transaction interfaces through at least one common network. An interface module offers inter-component interfacing between components of a financial system. A database management system(DBMS) stores predetermined information.

Description

System and Method for Account for Managing Gold Transaction Account by Using Selling and Buying Repeatedly and Program Recording Medium}

1 is a diagram illustrating a face-to-face information registration system for a gold repetitive trade service according to an embodiment of the present invention.

2 is a diagram showing the configuration of the gold repeat sales service application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the gold repeat sales service according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating the configuration of gold repeat sales service application information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a gold repeat sales service according to another embodiment of the present invention. .

FIG. 4 is a diagram illustrating a configuration of gold repetitive trade service application information stored in a DBMS provided in a banking server in a face-to-face manner for a gold repetitive trade service according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a process of registering gold repeat sales service application information in a face-to-face manner according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a non-face-to-face information registration system for a gold repetitive trade service according to another exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating a configuration of gold repetitive trade service application information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a gold repetitive trade service according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a configuration of gold repetitive trade service application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a gold repetitive trade service according to another embodiment of the present invention. to be.

FIG. 9 is a diagram illustrating a configuration of gold repeat sales service application information stored in a DBMS provided in a banking server in a non-face-to-face manner for a gold repeat sales service according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering gold repeat sales service application information in a non-face-to-face manner for a gold repeat sales service according to one embodiment of the present invention.

11A and 11B illustrate a process of registering gold repeat sales service application information in a non-face-to-face manner for a gold repeat sales service according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a system for opening a financial account in a face-to-face manner for opening a gold account equipped with a periodic recurring trade function according to an embodiment of the present invention.

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

14A and 14B are diagrams illustrating a process of opening a gold account having a periodic recurring trade function in a face-to-face manner according to one embodiment of the present invention.

15A and 15B are diagrams illustrating a process of opening a gold account having a periodic recurring trade function in a face-to-face manner according to another exemplary embodiment of the present invention.

16A and 16B illustrate a process of opening a gold account having a periodic recurring trade function in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 17 illustrates a non-face-to-face financial account opening system for opening a gold account equipped with a periodic recurring trade function according to another exemplary embodiment of the present invention.

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

19A and 19B are diagrams illustrating a process of opening a gold account with a periodic recurring trade function in a non-face-to-face manner according to one embodiment of the present invention.

20A, 20B, and 20C are diagrams illustrating a process of opening a gold account with a periodic recurring trade function according to one embodiment of the present invention.

FIG. 21 is a diagram illustrating a gold account operating system for periodic recurring trading according to an embodiment of the present invention.

22 is a diagram illustrating a process of operating a gold account for periodic recurring trading in accordance with an embodiment of the present invention.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information storage unit

130: storage medium

1200: financial company server 1205: interface unit

1210: interface providing unit 1215: information receiving unit

1220: image receiving unit 1225: validating unit

1230: electronic document generation unit 1235: electronic document transmission unit

1240: Account opening 1245: Electronic document server

1250: electronic document receiving unit 1255: information generating unit

1260: electronic document storage unit

2100: gold account management server 2105: gold account management

2110: repeat sales cycle confirmation unit 2115: gold transaction price confirmation unit

2120: price comparison unit 2125: account inquiry unit

2130: information providing unit 2135: interface unit

2140: information receiving unit 2145: information checking unit

The present invention, the customer's gold transaction account information and repetitive selling service application information-recurring selling cycle, selling price, selling price, automatic selling amount (g), if the selling price is less than the selling price (g), price basis (KRW / Gold)-is stored in the storage medium by linkage processing, and when the recurring sales cycle set by the customer is reached, the current gold transaction price is confirmed (or received) in connection with the financial system, thereby confirming (or receiving) the current gold transaction. If the price is greater than the selling price set by the customer or less than the buying price (purchasing price) set by the customer, and the current gold transaction price is more than the selling price set by the customer, the customer Gold trading account using recurring trading which sells as much as the selling amount set in g and purchases as much as the buying amount set by the customer when the current gold trading price is less than the buying price set by the customer. It is about an operation method.

In recent years, as gold-related products and gold transactions have increased, customers' needs are changing not just as long-term holdings but also as profits through trading such as stocks.

However, the customer wants to trade gold, but is unable to trade frequently due to the high spread, and it is often insufficient for the customer to continuously monitor to buy / sell timing.

The object of the present invention for solving the above problems, customer gold transaction account information and repetitive selling service application information-recurring selling cycle, selling price, purchase price, automatic selling amount (g), if the selling price is higher than the purchase price (g), information registration means for storing price in a storage medium by linking the price standard (Won / Gold), repeating cycle check means for periodically checking whether the repeat sales cycle stored in the storage medium is reached; Gold price confirmation means for confirming (or receiving) the current gold transaction price in connection with the financial system when the sales cycle is reached, and whether the confirmed (or received) current gold transaction price is equal to or greater than the selling price set by the customer. A price comparison means for comparing whether the purchase price (purchase price) is less than the set price and if the current gold transaction price is equal to or greater than the selling price set by the customer, Gold transaction using a recurring sale including a gold account management means for selling as much as the prescribed selling amount (g) and processing the purchase as much as the purchase amount (g) set by the customer when the current gold transaction price is less than the buying price set by the customer. To provide an account management system.

Gold trading account operating method using repetitive trading according to the present invention, customer gold trading account information and recurring sales service application information-recurring selling cycle, selling price, selling price, selling price more than selling price (g), purchase price less than Process the automatic purchase quantity (g) and the price standard (Won / Gold)-and store it in the storage medium.When the recurring sales cycle set by the customer is reached, the current gold transaction price is confirmed (or received) in connection with the financial system. ) And comparing the checked (or received) current gold transaction price with a purchase price set by the customer or less than a purchase price set by the customer (purchase price) and the current gold transaction price. If the customer is above the selling price set by the customer, the gold trading account sells as much as the selling amount (g) set by the customer, and if the current gold trading price is below the buying price set by the customer, the customer Including the step of processing purchases by setting maeipryang (g) is characterized in that formed.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the method of operating the gold trading account using the repeat sales described above.

On the other hand, the gold trading account operating system using recurring trading according to the present invention, customer gold trading account information and recurring sales service application information-recurring selling cycle, selling price, buying price, selling price more than the selling price (g), buy Information registration means for storing in the storage medium by linking the automatic purchase quantity (g) and price criteria (Won / Gold) under the price below, and confirming the repeat sales cycle to periodically check whether the repeat sales cycle stored in the storage medium is reached Means, a gold price checking means for confirming (or receiving) a current gold transaction price in association with a financial system when the repetitive selling cycle is reached, and the confirmed (or received) selling price set by the customer. Price comparison means for comparing whether the price is more than or less than the purchase price (purchase price) set by the customer, and when the current gold transaction price is more than the selling price set by the customer, In the present invention, if the selling amount is set by the customer (g) and the current gold transaction price is less than the purchase price set by the customer, the purchase comprises a gold account management means for processing the purchase amount (g) set by the customer It is characterized by.

According to the present invention, the gold account operating means, during the selling process, deposit the selling amount into a customer deposit and withdrawal account associated with the gold trading account, or at the purchase processing, the purchase amount set by the customer (g ) Can be purchased or processed according to the balance inquiry result of the customer deposit and withdrawal account associated with the gold transaction account.

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

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

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

1 is a diagram illustrating a face-to-face information registration system for a gold repetitive trade service according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through a predetermined information registration interface to the information registration system includes at least one or more customer information, gold account information, deposit and withdrawal transaction account information, recurring trading conditions information for the gold repetitive sale service When the gold repetitive trade service application information is provided, the information registration system processes the customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information included in the provided gold repetitive trade service application information in a predetermined manner. As a system configuration for storing in the storage medium 130, a person having ordinary knowledge in the art to which the present invention pertains refers to the configuration of an information registration system for a gold repeat sales service by referring to or modifying the present invention. Various implementations may be inferred, but the present invention is directed to all such inferred implementations. It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the gold repeat sales service application information provided from the customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The component to be referred to as "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the information registration system for the gold repetitive sales service is characterized in that it comprises an information registration terminal including a window terminal provided in at least one financial institution branch. The information registration terminal is connected to a communication channel with an information registration server 100 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for the gold repetitive sale service, and through the window provided at the financial institution branch (or through a teller), After filling out a prescribed application (e.g., a document with a form for filling in at least one item of information for the Gold Repeat Sale Service), and submitting the completed application to the counter clerk, the counter clerk will The information entered in the application is input (or selected) through the window terminal, and the window terminal transmits the input (or selected) information to the information registration server 100 provided on the information registration system through the financial network. It is desirable to.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 100 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 100. Do.

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 100 are provided by the customer. To perform the function of the information registration interface for registering the gold repetitive trade service application information.

The storage medium 130 provided on the information registration system according to the present invention is the customer information, gold account information, deposit and withdrawal transaction account information, recurring sales included in the gold repeat sales service application information provided from the information registration terminal. And storing the information on the predetermined storage medium 130 by linking the condition information, and storing the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information stored in the storage medium 130. Gold repeat sales service application information included above is used for the gold repeat sales service.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price, allowing the trading of the gold accumulated in the gold account to be repeated. It is preferable to include the purchase amount (g) and one or more price criteria (Won / Gold).

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

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

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

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

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

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 105 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined gold repetitive trade service application information from the information registration terminal to the information registration terminal. And an information receiver 115 for receiving predetermined gold repetitive trade service application information transmitted from the information registration terminal through the user interface in connection with the interface unit 105 and the received gold. Validation unit 120 for confirming the validity of the repetitive trade service application information, and the validity is included in the gold repetitive trade service application information It comprises an information storage unit 125 for processing the customer information, the gold account information, deposit and withdrawal transaction account information, recurring trading condition information included in the predetermined storage medium 130, and stored.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) gold repeat sales service application information to the information registration server 100 through the financial network, or extracting from a predetermined database (not shown), and The user interface generated by the interworking with the interface unit 105 may be provided to the information registration terminal through the financial network.

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

Thereafter, the information registration terminal inputs (or selects) the gold repetitive trade service application information including at least one of the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trade condition information based on the user interface. The input (or selected) gold repeat sales service application information is transmitted to the information registration server 100 through the financial network.

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

The information receiving unit 115 inputs (or selects) gold repetitive trade service application information including at least one of customer information, gold account information, deposit and withdrawal transaction account information, and recurring trading condition information through the user interface in the information registration terminal. When the data is transmitted through the financial network, the gold repeat sales service request information is received in connection with the interface unit 105, and the validity check unit 120 receives the received gold repeat sales service request information. )

The validity confirming unit 120 checks whether the gold repeat sales service application information received from the information registration terminal satisfies the validity for the gold repeat sales service.

According to an embodiment of the present invention, the validation of the gold repetitive trade service application information is at least one ledger information matching the gold repetitive trade service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validation of the gold repetitive trade service application information may be performed to determine whether the customer information included in the gold repetitive trade service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validation of the gold repetitive trade service application information is checked whether the gold account information included in the gold repetitive trade service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

In addition, the validity check of the gold repetitive trade service application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the information registration system, the deposit and withdrawal transaction account information included in the gold repetitive trading service application information It is preferable to include checking whether or not.

When the validity of the gold repetitive trade service application information is confirmed, the information storage unit 125 links customer information, gold account information, deposit and withdrawal transaction account information, recurring trade condition information included in the gold repetitive trade service application information. Characterized in that the processing is stored in the storage medium 130, the storage medium 130 is provided in the information registration server 100, or provided on the network associated with the information registration server 100 The information storage unit 125 processes the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring sale condition information included in the received gold repetitive sale service application information and stores the information in the storage medium 130. Preferably, when the storage medium 130 is provided in a DBMS provided on the financial system, the information storage unit 125 is included in the received gold repeat sales service application information It is preferable to provide customer information, gold account information, deposit and withdrawal transaction account information, and recurring trading condition information to the information system through an external system on the financial system and store it in a DBMS provided on the financial system.

2 is a view showing the configuration of the gold repetitive trade service application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the gold repetitive trade service according to an embodiment of the present invention.

More specifically, FIG. 2 shows the customer information and the gold account in the ledger information provided in the ledger D / B when the storage medium 130 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system. Figure 1 shows an information structure for an implementation method of storing gold repetitive trade service application information including information, deposit and withdrawal transaction account information and recurring trade condition information, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 2, it is possible to infer various information construction methods for storing the gold repeat sales service application information in the ledger D / B, but the present invention includes all the inferred implementation method, this figure It is not limited only to the implementation method shown in 2.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person of ordinary skill in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a secured ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 2, the gold repeat sales service application information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one or more customer information, gold account information, deposit and withdrawal transaction account information, recurring trading conditions information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price, allowing the trading of the gold accumulated in the gold account to be repeated. It is preferable to include the purchase amount (g) and one or more price criteria (Won / Gold).

According to another embodiment of the present invention, the gold repeat sales service application information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

3 is a view showing the configuration of the gold repetitive trade service application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the gold repetitive trade service according to another embodiment of the present invention .

In more detail, FIG. 3 illustrates an information structure of an embodiment in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database processed in association with the ledger D / B provided in the DBMS on the financial system. As one of ordinary skill in the art to which the present invention pertains, various information for storing the gold repeat sales service application information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 3 Although the construction method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the gold repetitive trade service application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of the financial institution, the ledger D of the DBMS). / B is not easy to change, or the system is not easy to expand due to the nature of the financial system), the gold repeat sales service application information is stored in a predetermined database instead of the ledger D / B, the database and the The implementation method of linking and storing ledger D / B is shown.

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

Referring to FIG. 3, the database stores and stores the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information included in the gold repetitive trade service application information. The service request information is preferably made to further include a CIF number corresponding to the ledger information in the gold repeat sales service application information to be processed in conjunction with the ledger D / B.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

FIG. 4 is a diagram illustrating the configuration of gold repeat sales service application information stored in a DBMS provided in a banking server in a face-to-face manner for a gold repeat sales service according to another exemplary embodiment of the present invention.

In more detail, FIG. 4 shows a DBMS in which the storage medium 130 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention belongs, gold repetition stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present figure 4 It is possible to infer an information construction method for the sales service application information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the predetermined DBMS provided in the banking server stores and stores the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information included in the gold repetitive trade service application information. It features.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

5 is a diagram illustrating a process of registering gold repeat sales service application information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 shows a case where the information registration server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network. In this case, the teller terminal accesses the information registration server 100 and connects a communication channel for information registration according to the present invention, and then the customer information and the gold account to the information registration server 100 through the communication channel. When the gold repeat sales service request information including information, deposit and withdrawal transaction account information, and repeat sales condition information is transmitted, the customer information and gold account included in the received gold repeat sales service request information from the information registration server 100 The present invention relates to an implementation method of linking information, deposit and withdrawal transaction account information, and repetitive trading condition information to a predetermined storage medium 130. Those skilled in the art will be able to infer various implementation methods for registering the gold repetitive trade service application information from the counter terminal to the information registration server 100 by referring to or modifying the present invention. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The customer information, the gold account information, the deposit and withdrawal transaction account information, and the repeat sale condition information transmitted to the server 100 are referred to as "gold repeat sale service application information" for convenience.

Referring to FIG. 5, the window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the gold repeat sales service application information, and connects the gold repeat sales service. When requesting registration of the gold repetitive trade service application information for (500), the server generates (or extracts) a predetermined information registration interface for registering the gold repetitive trade service application information (505), and the communication channel The generated (or extracted) information registration interface is transmitted to the terminal through the output (510).

According to an embodiment of the present invention, the information registration interface inputs (or selects) gold repetitive trade service application information including at least one of the customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information in the terminal. It is desirable to include a user interface).

Thereafter, the terminal inputs (or selects) gold repetitive trade service application information including at least one or more customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information through the information registration interface (515).

If the terminal receives (or selects) gold repetitive sales service application information including the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information through the information registration interface (520), the terminal Gold repeat sales service application information including the input (or selected) customer information, gold account information, deposit and withdrawal transaction account information, recurring trading condition information through the financial network is transmitted to the server (525).

Thereafter, the server receives and reads the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information through the financial network to check the validity of the gold repetitive trading service application information (530).

According to an embodiment of the present invention, the validation of the gold repetitive trade service application information is at least one ledger information matching the gold repetitive trade service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validation of the gold repetitive trade service application information may be performed to determine whether the customer information included in the gold repetitive trade service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validation of the gold repetitive trade service application information is checked whether the gold account information included in the gold repetitive trade service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system It is preferable to include confirmation.

In addition, the validity check of the gold repetitive trade service application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the information registration system, the deposit and withdrawal transaction account information included in the gold repetitive trading service application information It is preferable to include checking whether or not.

If the validity of the gold repetitive trade service application information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), corresponding to the gold repetitive trade service application information. Do not perform the information registration procedure.

On the other hand, if the validity of the gold repetitive trade service application information is authenticated (535), the server performs the information registration procedure corresponding to the gold repetitive trade service application information, the customer information, gold account information, deposit and withdrawal transaction account information In operation 545, the repetitive trading condition information is cooperatively processed and stored in the predetermined storage medium 130.

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

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

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the gold repeat sales service application information transmitted from the terminal.

6 is a diagram illustrating a non-face-to-face information registration system for a gold repetitive trade service according to another exemplary embodiment of the present invention.

In more detail, Figure 6 shows that a predetermined customer includes at least one of customer information, gold account information, deposit and withdrawal transaction account information, and recurring trading condition information for the gold repetitive sale service to an information registration system through a predetermined information registration interface. When the gold repetitive trade service application information is provided, the information registration system links the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trade condition information included in the provided gold repetitive trade service application information. As a system configuration for storing in the storage medium 630 of the present invention, those skilled in the art to which the present invention pertains, refer to this figure 6 or modified to configure the information registration system for gold repeat sales service Various implementations may be inferred, but the present invention is directed to all such inferred implementations. It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the gold repetitive trade service application information provided from the customer on the storage medium 630 through a predetermined information registration interface on the information registration system shown in FIG. The component to be referred to as "information registration server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, the information registration system for the gold repeat sales service, the information including at least one or more client terminals, including at least one or more wired terminals or wireless terminals used by the customer Characterized in that it comprises a registration terminal, the information registration terminal is connected to the communication channel and the information registration server 600 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 600 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the gold repetitive trade service application information for the gold repetitive trade service is input (or selected) through at least one user interface provided by the registration server 600, the information registration system is established through a predetermined network means at the client terminal. It is preferable to transmit to the information registration server 600 provided on the.

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

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

The information registration server 600 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the information registration server 600 is a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the information registration server 600, etc.) is provided.

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

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the information registration server 600. The customer performs a function of an information registration interface for registering the gold repeat sales service application information for the gold repeat sales service.

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

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the information registration server 600. The financial network connecting to perform a function of the information registration interface for the customer to register the gold repetitive trade service application information for the gold repetitive trade service, or if the information registration terminal is the call terminal (not shown) The wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 600 may request the gold repeat sales service application information for the gold repeat sales service. Performs a function of an information registration interface for registering, or provided in an institution affiliated with the financial institution that is the information registration terminal. If the terminal (or server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 600 is the customer It performs a function of the information registration interface for registering the gold repetitive trading service application information for the gold repetitive trading service.

The storage medium 630 provided on the information registration system according to the present invention includes the customer information, gold account information, deposit and withdrawal transaction account information, and repeat sales included in the gold repetitive trade service application information provided from the information registration terminal. Characterized in that the condition information is linked to the predetermined storage medium 630, and stored in the storage medium 630, at least one or more of the customer information, gold account information, deposit and withdrawal transaction account information, repeat sales conditions information The gold repetitive trade service application information that is included is used for the gold repetitive trade service.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The information registration server 600 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, the information registration server 600 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 600 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) that can be connected to the TV banking server on a predetermined TV banking system, the information registration server 600 is the TV banking A predetermined TV banking server provided on the system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to the embodiment of the present invention, the information registration server 600 is characterized by comprising an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 605 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 600, the interface unit 605 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 information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 605 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the call path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 605 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 6, the information registration server 600 connects a communication channel with the information registration server 600 through the interface unit 605 after the predetermined information registration terminal is connected to the interface unit 605. An interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined gold repetitive trade service application information from the information registration terminal in association with the information registration terminal; And an information receiver 615 which receives predetermined gold repetitive trade service application information transmitted from the information registration terminal through the user interface in connection with the interface unit 605 and the received gold. The customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information included in the recurring trade service application information are stored in a predetermined manner. And an information storage unit 625 for storing the product (630) characterized by comprising.

The interface providing unit 610 connects a communication channel with the information registration server 600 through the interface unit 605 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) gold repetitive trade service application information and transmit it to the information registration server 600 through the network means, or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 605 may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the gold repetitive trade service application information including at least one of the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trade condition information based on the user interface. The input (or selected) gold repetitive trade request information is transmitted to the information registration server 600 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 610 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 may include a browser program provided in the client terminal or It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 605. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 610 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605.

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the gold repeat sales service application information to the information registration terminal to the information registration server 600 through the network means; When a predetermined information registration program is provided, the interface providing unit 610 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 615 inputs (or selects) gold repetitive trade service application information including at least one of customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information through the user interface in the information registration terminal. When the data is transmitted through the network means, the gold repeat sales service request information is received in cooperation with the interface unit 605, and the validity check unit 620 receives the received gold repeat sales service request information. To provide.

The validity confirming unit 620 may be configured to check whether the gold repeat sales service application information received from the information registration terminal satisfies the validity for the gold repeat sales service.

According to an embodiment of the present invention, the validation of the gold repetitive trade service application information is at least one ledger information matching the gold repetitive trade service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether it is registered.

For example, the validation of the gold repetitive trade service application information may be performed to determine whether the customer information included in the gold repetitive trade service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validation of the gold repetitive trade service application information is checked whether the gold account information included in the gold repetitive trade service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

In addition, the validity check of the gold repetitive trade service application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the information registration system, the deposit and withdrawal transaction account information included in the gold repetitive trading service application information It is preferable to include checking whether or not.

When the validity of the gold repetitive trade service application information is confirmed, the information storage unit 625 links customer information, gold account information, deposit and withdrawal transaction account information, recurring trade condition information included in the gold repetitive trade service application information. Characterized in that the processing is stored in the storage medium 630, the storage medium 630 is provided in the information registration server 600, or provided on the network associated with the information registration server 600 The information storage unit 625 stores the information in the storage medium 630 by integrating and processing the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information included in the received gold repetitive sales service application information. Preferably, when the storage medium 630 is provided in the DBMS provided on the financial system, the information storage unit 625 is included in the received gold repeat sales service application information Customer information, gold account information, deposit and withdrawal transaction account information, recurring trading conditions information is preferably provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

FIG. 7 is a diagram illustrating a configuration of gold repetitive trade service application information stored in a ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a gold repetitive trade service according to an embodiment of the present invention.

In more detail, in FIG. 7, when the storage medium 630 illustrated in FIG. 6 is the ledger D / B provided in the DBMS on the financial system, the customer information and the gold account are included in the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method of storing gold repetitive trade service application information including information, deposit and withdrawal transaction account information and recurring trade condition information, and a person having ordinary knowledge in the technical field to which the present invention belongs, 7 may be inferred from various information construction methods for storing the gold repeat sales service application information in the ledger D / B by referring to or modifying the present invention, but the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown in 7.

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

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

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

Referring to FIG. 7, the gold repeat sales service application information provided through the information registration system shown in FIG. 6 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one or more customer information, gold account information, deposit and withdrawal transaction account information, recurring trading conditions information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

According to another embodiment of the present invention, the gold repeat sales service application information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

8 is a view showing the configuration of the gold repeat sales service application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the gold repeat sales service according to another embodiment of the present invention to be.

In more detail, FIG. 8 illustrates an information structure of an embodiment in which the storage medium 630 shown in FIG. 6 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information for referring to or modifying this figure 8 and storing the gold repeat sales service application information in a predetermined database in association with the ledger D / B and storing the information. It is possible to infer the construction method, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, FIG. 8 illustrates a case in which it is not easy to store the gold repetitive trade service application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of the financial institution, the ledger D of the DBMS). / B is not easy to change, or the system is not easy to expand due to the nature of the financial system), the gold repeat sales service application information is stored in a predetermined database instead of the ledger D / B, the database and the The implementation method of linking and storing ledger D / B is shown.

In addition, the database shown in FIG. 8 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 8, the database stores and stores the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information included in the gold repetitive trade service application information. The service request information is preferably made to further include a CIF number corresponding to the ledger information in the gold repeat sales service application information to be processed in conjunction with the ledger D / B.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

FIG. 9 is a diagram illustrating a configuration of gold repeat sales service application information stored in a DBMS provided in a banking server in a non-face-to-face manner for a gold repeat sales service according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 shows a DBMS in which the storage medium 630 shown in FIG. 6 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention belongs, gold repetition stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 9 Although it is possible to infer an information construction method for the sales service application information, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 9, a predetermined DBMS provided in the banking server stores and stores the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information included in the gold repetitive trade service application information. It features.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked to the financial institution in response to the customer. desirable.

The gold account information preferably comprises an account number corresponding to the gold trading account opened in the customer name.

The deposit and withdrawal transaction account information preferably comprises an account number corresponding to the deposit and withdrawal account opened in the customer's name, wherein the deposit and withdrawal transaction account is to deposit or withdraw the trading price at the time of gold sale through the gold transaction account. desirable.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price, allowing the trading of the gold accumulated in the gold account to be repeated. It is preferable to include the purchase amount (g) and one or more price criteria (Won / Gold).

10 is a diagram illustrating a process of registering gold repetitive trade service application information in a non-face-to-face manner for a gold repetitive trade service according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a case in which the information registration server 600 on the information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 600 and connecting the communication channel for information registration according to the present invention, the customer information, gold account information, deposit and withdrawal transaction account information, through the communication channel to the information registration server 600, When the gold repetitive trade service application information including the recurring trade condition information is transmitted, customer information, gold account information, deposit and withdrawal transaction account information included in the received gold repetitive trade service application information from the information registration server 600, An embodiment of the present invention relates to an implementation method of linking repetitive selling condition information to a predetermined storage medium 630, in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for registering the gold repetitive trade service application information from the client terminal to the information registration server 600 by referring to or modifying the drawing 10. Includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 6 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring sale condition information transmitted to the server 600 are referred to as "gold recurring sale service application information" for convenience.

Referring to FIG. 10, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Access a server through a communication network or an IEEE 802.16x-based mobile Internet, etc., connect a predetermined communication channel for registering the gold repeat trade service application information, and apply for the gold repeat trade service for the gold repeat trade service. When requesting information registration (1000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the gold repetitive trade service application information (1005), and generates the data through the communication channel. The web page is transmitted (or extracted) to the terminal for output (1010).

According to an embodiment of the present invention, the information registration interface inputs (or selects) gold repetitive trade service application information including at least one of the customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information in the terminal. It is desirable to include a user interface.

In addition, the web page transmission or output process is preferably performed at least once according to the gold repeat sales service application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) gold repetitive trade service application information including at least one or more customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information through the information registration interface (1015).

If the terminal receives (or selects) the gold repetitive sales service application information including the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information (1020), the terminal receives the information registration interface. The customer information, the gold account information, the deposit and withdrawal transaction account information, and the repetitive trading condition information are transmitted to the server through the communication channel (1025).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, gold account information, deposit and withdrawal transaction account information, and repetitive trading condition information to the server through the communication channel is provided through the information registration interface. The method may further include transmitting the input (or selected) gold repetitive trade service application information to the server by digitally signing or encrypting a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information through the communication channel to check the validity of the gold repetitive trading service application information (1030).

According to an exemplary embodiment of the present invention, checking the validity of the gold repetitive trade service application information may include repeating the gold when the gold repetitive trade service application information is electronically signed or encrypted through a security module provided in the terminal. And decrypting the trading service application information or decoding the gold repetitive trade service application information.

According to an embodiment of the present invention, the validation of the gold repetitive trade service application information is at least one ledger information matching the gold repetitive trade service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validation of the gold repetitive trade service application information may be performed to determine whether the customer information included in the gold repetitive trade service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validation of the gold repetitive trade service application information is checked whether the gold account information included in the gold repetitive trade service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

In addition, the validity check of the gold repetitive trade service application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the information registration system, the deposit and withdrawal transaction account information included in the gold repetitive trading service application information It is preferable to include checking whether or not.

If the validity of the gold repetitive trade service application information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), and the gold repetitive trade service Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the gold repetitive trade service application information is authenticated (1035), the server performs an information registration procedure corresponding to the gold repetitive trade service application information, the customer information, gold account information, deposit and withdrawal transaction account information In operation 1045, the repetitive selling condition information is cooperatively processed and stored in the predetermined storage medium 630.

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the gold repetitive trade service application information transmitted from the terminal.

11A and 11B illustrate a process of registering gold repeat sales service application information in a non-face-to-face manner for a gold repeat sales service according to another exemplary embodiment of the present invention.

In more detail, FIGS. 11A and 11B illustrate a case in which the information registration system illustrated in FIG. 6 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, and the like, the client terminal sends the predetermined gold repeat sales service application information for the gold repeat sales service to the Internet banking server. When the gold repeat sales service request information including the gold account information, deposit and withdrawal transaction account information, recurring trading condition information is transmitted, the customer information included in the received gold repeat sales service application information in the information registration server 600 , The bank account information, the deposit and withdrawal transaction account information, and the recurring trading condition information in conjunction with a predetermined storage medium ( 630, the person having ordinary skill in the art to which the present invention pertains may refer to or modify the drawings 11a and 11b to the information registration server 600 from the client terminal. Various implementation methods for registering gold repetitive trade service application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 11A and 11B.

That is, the browser program is connected to the Internet banking server through a predetermined browser program (for example, Internet Explorer of Microsoft Corporation or Netscape Navigator of Netscape, etc.) provided in the client terminal in FIGS. 11A and 11B. Based on the implementation method for connecting the Internet banking-based financial transaction channel for registering the gold repeat sales service application information registration between the client terminal and the Internet banking server, if one of ordinary skill in the art Refer to or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 11A and 11B, and the goal is established between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal. Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of recurring trade service application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, thereby The present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, in addition to the Internet banking system, a telebanking system or wireless Another banking system, such as a banking system or a TV banking system, may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of gold repetitive trade service application information, but the present invention may provide a telebanking system or a wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including systems or TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is the case of Internet banking shown in FIGS. 11A and 11B. It is by no means limited to.

11A and 11B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 600 is referred to as " server " for convenience.

11A and 11B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1100a), the server communicates between the terminal and the server through the browser. (1105a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1110a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be mounted or updated in the terminal (1115a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1120a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1125a), or if the terminal does not need to load or update the Internet banking security module (1115a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a secure channel) (1130a), and is referred to as a security channel for the Internet banking. Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the information (or data) to be provided to the server for registration of gold repeat sales service application information in the terminal. When a predetermined digital signature is attached to or transmitted by encrypting at least one or more encryption methods (or encryption algorithms), the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm). (Or a decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one or more encryption methods (or encryption algorithms), the terminal confirms the electronic signature or a predetermined counterpart corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registration of gold repeat sales service application information in the terminal. Attach an electronic signature or at least one or more When encrypted and transmitted using an encryption method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) to a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1135a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1140a). In operation 1145a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1150a), the server blocks the Internet banking security channel for the terminal (1155a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where the Internet banking based The financial transaction channel means a communication channel through which the terminal can transmit and register predetermined gold repetitive trade service application information for gold repetitive trade service from the terminal to the server.

Subsequently, when the terminal requests internet banking-based gold repetitive trade service application information registration to the server through the inter-banking-based financial transaction channel for registration of gold repetitive trade service application information (1100b), the server repeats the gold repetition service. Generate (or extract) a web page corresponding to a predetermined information registration interface for registering the sale service application information (1105b), and transmit the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel. It transmits and outputs it (1110b).

According to an embodiment of the present invention, the information registration interface inputs (or selects) gold repetitive trade service application information including at least one of customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information in the terminal. It is preferable to include an interface, or a predetermined password (e.g., account password, etc.) to confirm the validity of the Internet banking customer requesting registration of the gold repetitive trade service application information or the gold repetitive trade service application information. ) Or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) or a One Time Password (e.g., an internet banking application process (or after an internet banking application) One-time generated by the provided OTP authenticator (or OTP certification program) It further comprises an interface for inputting the password) is preferred.

In addition, the web page transmission or output process is preferably performed at least once according to the gold repeat sales service application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) gold repetitive trade service application information including at least one of the customer information, gold account information, deposit and withdrawal transaction account information, and recurring trade condition information through the information registration interface (1115b).

If the terminal receives (or selects) gold repetitive sales service application information including the customer information, the gold account information, the deposit and withdrawal transaction account information, and the recurring trading condition information through the information registration interface (1120b), the terminal The gold repetitive trade service application information input (or selected) is transmitted to the server through the financial transaction channel (1125b).

According to the exemplary embodiment of the present invention, transmitting the gold repetitive trade service application information input (or selected) through the financial transaction channel to the server may include gold repetitive trade input (or selected) through the information registration interface. The service request information comprises a digital signature or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server receives and reads the gold repetitive trade service application information through the financial transaction channel and checks the validity of the gold repetitive trade service application information (1130b).

According to an exemplary embodiment of the present invention, checking the validity of the gold repetitive trade service application information may include repeating the gold when the gold repetitive trade service application information is electronically signed or encrypted through a security module provided in the terminal. And decrypting the trading service application information or decoding the gold repetitive trade service application information.

In addition, the validation of the gold repetitive trade service application information is preferably made, further comprising authenticating a password or security code or OTP included in the gold repetitive trade service application information.

According to an embodiment of the present invention, the validation of the gold repetitive trade service application information is at least one ledger information matching the gold repetitive trade service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validation of the gold repetitive trade service application information may be performed to determine whether the customer information included in the gold repetitive trade service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validation of the gold repetitive trade service application information is checked whether the gold account information included in the gold repetitive trade service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking.

In addition, the validity of the gold repetitive trading service application information is the account ledger stored in the ledger D / B on the financial system associated with the information registration system is the deposit and withdrawal transaction account information included in the gold repetitive trading service application information It is desirable to include checking that a match is found.

If the validity of the gold repetitive trade service application information is not authenticated (1135b), the server generates a web page including a predetermined gold repetitive trade service application information registration error information and transmits it to the terminal (1140b), The information registration procedure corresponding to the gold repetitive trade service application information is not performed.

On the contrary, if the validity of the gold repetitive trade service application information is authenticated (1135b), the server performs an information registration procedure corresponding to the gold repetitive trade service application information, thereby providing customer information included in the gold repetitive trade service application information. In operation 1145b, the bank account information, the deposit and withdrawal transaction account information, and the recurring trading condition information are interlinked and stored in the predetermined storage medium 630.

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium 630 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined gold repetitive trade service application information registration history information and transmits it to the terminal (1150b), thereby completing the gold repetitive trade service application information registration transmitted from the terminal.

12 is a diagram illustrating a system for opening a financial account in a face-to-face manner for opening a gold account equipped with a periodic recurring trade function according to an embodiment of the present invention.

In more detail, in FIG. 12, when a predetermined customer fills out an application for opening a gold account including at least one of predetermined customer information and gold account property setting information and submits it to a window provided at a predetermined financial institution, The present invention relates to a system for opening the financial account for the opening of a gold account equipped with a periodic recurring trade function based on the gold account opening application, and specifically, the customer prepares the application for opening the gold account. And submit the at least one of the customer information and the gold account property setting information corresponding to the gold account opening application in association with a predetermined teller terminal provided at the window and a financial company server 1200 provided on the financial account opening system. Based on the application information for opening a gold account including one or more of the periodic recurring trade function The present invention relates to a method of opening a predetermined financial account for opening a gold account.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 12 to infer various implementation methods for the configuration of the financial account opening system for opening a gold account with the periodic repetitive trading function. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, FIG. 12 includes a process of creating a predetermined electronic account opening electronic document and storing the electronic document in an electronic document storage in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 12, it is possible to omit storing the electronic account opening application electronic document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in this drawing 12 only.

Hereinafter, in the financial account opening system illustrated in FIG. 12, a gold account opening application prepared by the customer through a predetermined financial account opening interface, and a gold including at least one of the corresponding customer information and gold account property setting information corresponding thereto. A component corresponding to at least one or more means or functions of opening a financial account for opening a gold account with the periodic recurring trade function based on the account opening application information is referred to as a "financial company server 1200" for convenience.

Referring to FIG. 12 in accordance with an embodiment of the present invention, a financial account opening system for opening a gold account with the periodic recurring trading function includes a teller terminal provided in at least one financial institution branch (or branch). It characterized in that it comprises a terminal device, the terminal device is connected to the communication channel and the financial company server 1200 provided on the financial account opening system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch (branch branch), and the application for opening the predetermined gold account through a window (or a cashier) provided at the financial institution branch branch (branch branch). (E.g., a document with a form for filling in the at least one item of information), wherein the customer is required to seal the customer's seal for the legal basis for the application to open the account. Do.

Subsequently, when the customer submits the created gold account opening application to the teller, the teller scans the gold account opening application through a predetermined image obtaining device to acquire predetermined image content, and a predetermined teller terminal. Input (or select) gold account opening application information including at least one image content obtained in response to the gold account opening application and at least one of customer information and gold account property setting information written in the gold account opening application; Correspondingly, the counter terminal preferably transmits the image content and the gold account opening application information to the financial company server 1200 provided on the financial account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 1200 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 1200 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 1200. It is preferable to make it.

In the financial account opening system as described above, an image acquisition device for acquiring image contents corresponding to a gold account opening application prepared by the customer, a teller terminal used by the employee, the teller terminal and the financial company server 1200. The connecting financial network performs a function of a financial account opening interface for the customer to register the gold account opening application information.

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

According to an embodiment of the present invention, when the terminal device is a teller terminal connected to a predetermined financial network, the financial institution server 1200 may be a ledger server provided on a finance system connected to the teller terminal through a predetermined financial network. Or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the financial company server 1200 may include an interface unit 1205 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

According to an embodiment of the present invention, when the terminal device is a window terminal connected to a predetermined financial network, the interface unit 1205 may establish a predetermined communication channel with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 12, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 1200 through the interface unit 1205, the financial institution server 1200 includes a predetermined terminal device provided in the terminal device. Acquire image content corresponding to the gold account opening application written by the customer through an image acquisition device, input (or select) gold account opening application information corresponding to the gold account opening application, and transmit the information to the financial company server 1200. An interface provider 1210 for generating (or extracting) at least one user interface and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 1205; The device may input (or select) gold account opening application information corresponding to the gold account opening application through the user interface. If so, the information receiving unit 1215 for receiving the gold account opening request information transmitted from the terminal device in association with the interface unit 1205, and the terminal device to obtain a predetermined image acquisition device based on the user interface. When an image content corresponding to the gold account opening application prepared by the customer is obtained and transmitted, the image receiving unit 1220 receives the image content corresponding to the gold account opening application in association with the interface unit 1205, Characterized in that made.

The interface provider 1210 connects a predetermined communication channel with the financial institution server 1200 through the interface unit 1205 and then requests the user interface from the financial institution server 1200. Obtain image contents corresponding to the gold account opening application prepared by the customer through a predetermined image acquisition device provided in the terminal device, and input (or select) gold account opening application information corresponding to the gold account opening application. Generate at least one user interface for transmitting to the financial institution server 1200 through the financial network, or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 1205. The provided user interface to the terminal device through the financial network.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the gold account opening application written by the customer through a predetermined image acquisition device, and provides gold account opening application information corresponding to the gold account opening application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the financial institution server 1200 through the financial network is provided, the predetermined image acquisition apparatus is provided as described above. Generate a user interface for acquiring image contents corresponding to the gold account opening application prepared by the customer, inputting (or selecting) gold account opening application information corresponding to the gold account opening application, and transmitting the information to the financial institution server 1200. (Or extract) the interface providing unit 1210 for providing to the terminal device Although it may be omitted, the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) gold account opening application information including at least one of the customer information, gold account property setting information, and recurring trading condition information through the user interface, and inputs (or selects) the information. The gold account opening application information is transmitted to the financial institution server 1200 through the financial network. In response thereto, the information receiving unit 1215 is connected to the interface unit 1205 and the gold account transmitted from the terminal device. Receive establishment application information.

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

The gold account property setting information may include basic property information such as a gold account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit on the gold account, and at least one financial product attribute information associated with the gold account when the gold account is an account linked to an investmentable financial instrument. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

In addition, the terminal device obtains the image content corresponding to the application for opening a gold account created by the customer through a predetermined image acquisition device based on the user interface, and the acquired image content through the financial network to the financial company server In response thereto, the image receiving unit 1220 receives image contents corresponding to the gold account opening application in association with the interface unit 1205.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to a gold account opening application written by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the gold account opening application created by the customer from the at least one or more image contents previously stored in the storage device through the user interface and through the financial network. The image receiving unit 1220 may receive the image content corresponding to the gold account opening application in association with the interface unit 1205.

According to another exemplary embodiment of the present invention, the terminal device transmits image content corresponding to the gold account opening application written by the customer and the gold account opening application information corresponding to the gold account opening application through the user interface. In this case, the information receiving unit 1215 may receive the image content corresponding to the gold account opening application and the gold account opening application information together with the interface unit 1205 (eg, the image receiving unit 1220). And integrated into the information receiving unit 1215), whereby the present invention is not limited.

Referring to FIG. 12, when the financial account opening request information transmitted from the terminal device is received through the information receiving unit 1215, the financial institution server 1200 receives the repeated opening and closing request information. Characterized in that it is provided with a validity authentication unit for confirming that the validity for opening a gold account with a function is provided.

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

For example, the validity confirmation of the application information for opening a gold account may include determining whether the customer information (customer information, member information, etc.) included in the application information for opening a gold account is linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 12, the financial institution server 1200 receives the image content transmitted from the terminal device through the image receiving unit 1220, and applies to the gold account opening application information through the validity checking unit 1225. When the validity is verified, the electronic document generation unit 1230 for generating a predetermined electronic account opening request electronic document including the received image content, and the generated financial account opening application electronic document and the financial account opening system; And an electronic document transmission unit 1235 for transmitting to the associated electronic document storage.

The electronic document generating unit 1230 generates a gold account opening request electronic document including the image content received from the terminal device through the image receiving unit 1220.

According to an exemplary embodiment of the present invention, the electronic document generating unit 1230 may convert an image file including the image content received from the terminal device through the image receiving unit 1220 into the electronic account opening application electronic document. It is preferable to process.

Alternatively, the electronic document generator 1230 may include customer information included in the gold account opening application information received through the information receiver 1215 on the image content received from the terminal device through the image receiver 1220. It is preferable to generate the gold account opening application electronic document with an image file corresponding to the image content including at least one or more information of the gold account property setting information by a watermarking method.

According to another embodiment of the present invention, the electronic document generating unit 1230 is a predetermined document file (eg, PDF (Portable Document) containing the image content received from the terminal device through the image receiving unit 1220 Format file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), and the like. It is preferable to generate.

Alternatively, the electronic document generator 1230 may include customer information included in the gold account opening application information received through the information receiver 1215 on the image content received from the terminal device through the image receiver 1220. Generating an image content including at least one or more information of the gold account property setting information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), it is preferable to generate the electronic account opening request electronic document; .

According to another exemplary embodiment of the present invention, the electronic document generation unit 1230 may receive the image content received from the terminal device through the image receiving unit 1220 and the gold account received through the information receiving unit 1215. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an application for opening establishment, or an MHT. It is preferable to generate the gold account opening application electronic document by generating a web document file).

Alternatively, the electronic document generator 1230 may include customer information included in the gold account opening application information received through the information receiver 1215 on the image content received from the terminal device through the image receiver 1220. Generating image content including at least one or more information of the gold account property setting information by a watermarking method, and a predetermined document file (for example, PDF (PDF) containing the generated image content and the gold account opening application information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create a document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 1230 is a technical feature of generating an electronic document for opening a gold account in the image file format or a predetermined document file format, and the gold account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document for opening application, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1235 transmits and stores the gold account opening request electronic document generated by the electronic document generating unit 1230 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 12, the electronic document repository includes a predetermined electronic document server 1245 and an electronic document D / B associated with the financial company server 1200 on the financial account opening system through predetermined communication means. When provided externally, the electronic document transmission unit 1235 transmits the gold account opening application electronic document generated by the electronic document generation unit 1230 to the electronic document server 1245 through the communication means. It is characterized by.

Herein, when the electronic document server 1245 and the electronic document D / B are provided outside the financial account opening system, the electronic document server 1245 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmitting unit 1235 is generated by the electronic document generating unit 1230. It is possible to store the electronic document opening application electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1235 may include electronic document-related information (eg, the customer information or the gold) for generating predetermined electronic document management information in the electronic document server 1245. Financial institution information for transmitting an account opening request electronic document, electronic document file format information, or the gold account opening request information, etc.) may be further transmitted to the electronic document storage, whereby the present invention is not limited thereto. No.

Referring to FIG. 12, if the financial institution opening application information received through the information receiving unit 1215 is authenticated through the validity checking unit 1225, the financial institution server 1200 may verify the validity of the gold. And an account opening unit 1240 for opening a gold account of the customer's name including the gold account property setting information based on the customer information, the gold account property setting information, and the recurring trading condition information included in the account opening request information. Characterized in that made.

When the validity of the gold account opening application information is confirmed by the validity confirming unit 1225, the account opening unit 1240 includes the customer information included in the gold account opening application information in connection with the financial system. After generating a ledger (or confirming a customer ledger that is already matched with the customer information), after generating the predetermined account ledger information including the gold account attribute included in the gold account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, it is characterized in that to open a financial account for the opening of a gold account with the periodic recurring sales function corresponding to the application for opening the gold account.

Referring to FIG. 12, an electronic document server 1245 which receives a predetermined gold account opening request electronic document from the financial institution server 1200 provided on the financial account opening system and stores and manages the electronic document D / B in a predetermined electronic document D / B. ), An electronic document receiving unit 1250 for receiving a predetermined gold account opening request electronic document from the financial institution server 1200 through a predetermined communication means, and the electronic document D / An information generation unit 1255 for generating predetermined electronic document management information for storing and managing in B, and the electronic document management information and the gold account opening application electronic document are stored in a predetermined electronic document D / B. Characterized in that it comprises an electronic document storage unit 1260.

The electronic document receiving unit 1250 may receive an electronic document opening request electronic document in the form of an image file or a document file from the financial institution server 1200 through the communication means.

According to the exemplary embodiment of the present invention, the gold account opening request electronic document received by the electronic document receiving unit 1250 through the communication means includes an image including the image content received by the financial institution server 1200 from the terminal device. It is preferable to include the file as it is.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1250 through the communication means may be included in the gold account opening request information in the image content received by the financial institution server 1200 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, the gold account property setting information and the repetitive trading condition information in a watermarking method.

According to another exemplary embodiment of the present invention, the gold account opening request electronic document received by the electronic document receiving unit 1250 through the communication means includes the image content received by the financial institution server 1200 from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1250 through the communication means is a customer included in the gold account opening application information in the image content received by the financial institution server 1200 from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a Portable Document Format) file containing image content including at least one of information, gold account property setting information, and recurring trading condition information in a watermarking manner); Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the gold account opening request electronic document received by the electronic document receiving unit 1250 through the communication means is the image content received from the financial institution server 1200 from the terminal device and the A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the application for opening a bank account, or an MHT; Web document files, etc.) to be included.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1250 through the communication means is a customer included in the gold account opening application information in the image content received by the financial institution server 1200 from the terminal device. A predetermined document file (eg, a PDF (Portable Document) including image content including at least one or more information among the information, gold account property setting information, and recurring trading condition information by a watermarking method and the gold account opening application information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 1255 is a predetermined electronic document unique number (or unique information) to be assigned to the gold account opening request electronic document received through the electronic document receiving unit 1250, and through the electronic document receiving unit 1250 And generating electronic document management information including electronic document storage date and time information including a date and time when the gold account opening application electronic document was received (or a date and time when the gold account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 1255 opens the gold account with reference to the financial company server 1200 which has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 1250. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 1200 through the electronic document receiving unit 1250, the information generating unit 1255 may receive the received electronic document. Electronic document management information further including document related information (eg, the financial institution information for transmitting the customer information or the electronic account opening request electronic document, the electronic document file format information, or the gold account opening application information, etc.). It is desirable to produce.

The electronic document storage unit 1260 associates a gold account opening request electronic document received through the electronic document receiving unit 1250 with electronic document management information generated through the information generating unit 1255 to process a predetermined electronic document. It is characterized by storing in the D / B.

According to the exemplary embodiment of the present invention, the gold account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may include image content received by the financial institution server 1200 from the terminal device. It is preferable that the image file is included as it is.

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1260 is the financial account server 1200 request information for opening the gold account in the image content received from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, gold account property setting information and repetitive trading conditions information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the gold account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be used for the image content received by the financial institution server 1200 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be applied to the gold account opening application information in the image content received by the financial institution server 1200 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one or more of the included customer information, gold account property setting information, and repetitive trading condition information by watermarking; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, an electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1260 is an image received by the financial institution server 1200 from the terminal device. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing contents and application information for opening a bank account; Or a web document file including the MHT).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1260 may be applied to the gold account opening application information in the image content received by the financial institution server 1200 from the terminal device. A predetermined document file (eg, PDF) including image content including the customer information, the gold account property setting information, and at least one information of the recurring trading condition information in a watermarking manner and the gold account opening application information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1260 in association with the gold account opening request electronic document is stored in the electronic account opening request electronic document. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the electronic document storage date and time.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1260 in association with the gold account opening request electronic document is stored in the electronic account opening request electronic document. The financial institution server 1200 that transmits the document may preferably further include financial institution information that transmits the electronic account opening request electronic document identified.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 1200, the electronic document storage unit 1260 performs a process of linking the electronic account opening request electronic document to the electronic document. The electronic document management information stored in the electronic document D / B may include the received electronic document related information (for example, financial institution information for transmitting the customer information or the electronic account opening request electronic document, electronic document file format information, Or the gold account opening application information).

13 illustrates a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 13 includes an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 12 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an example of implementation, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 13 to infer various implementation methods for a ledger configuration corresponding to the financial account. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 13 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and at least one account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is included in the present invention, and you will be familiar with the specific technical matters. Omit for convenience.

The customer ledger is a ledger including customer information included in the application for opening a bank account, and includes a CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, region classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, account number, president, business type, legal representative , Initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is a ledger corresponding to the financial account opened in response to the application for opening the gold account, which is linked to the customer ledger in a relational manner, account number, CIF number, point number, currency, opening date, state, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. ), Periodical reception information including at least one or more of a period (days), period extension, expiration date, and target amount, or an account number corresponding to the account ledger, a deposit amount, par value, pension date, and Trust reception information containing at least one drinking water, or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.) It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

14A and 14B illustrate a process of opening a gold account with a periodic recurring trade function in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 14A and 14B are window terminals in which a terminal device on the financial account opening system shown in FIG. 12 is provided at a branch of a financial institution (or a branch), and the financial institution server 1200 connects a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with a teller terminal through the bank account, a predetermined customer includes at least one predetermined customer information, gold account property setting information, and recurring trading condition information. If the application is completed and submitted to a window provided at a predetermined financial institution, the financial institution will open a gold account with periodic recurring trade function in a face-to-face manner based on the application for opening the gold account. When the customer fills out the application for opening the gold account and submits it to the counter, a predetermined image acquisition device is used at the counter terminal. After obtaining the predetermined image content corresponding to the gold account opening application through the financial company server 1200, and inputs (or select) the gold account opening application information corresponding to the gold account opening application, the financial company server The periodic repetitive selling function based on the application information for opening a gold account including at least one of the customer information, the gold account property setting information, and the recurring trading condition information in the financial company server 1200 in response to the request; It is about an implementation method of opening the provided gold account.

For those of ordinary skill in the art to which the present invention pertains, various implementation methods for providing the gold account opening application information from the window terminal to the financial company server 1200 by referring to or modifying the drawings 14a and 14b are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 14A and 14B.

For example, the method shown in FIGS. 14A and 14B includes a process of generating a predetermined electronic document corresponding to the gold account opening application and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

In the following Figures 14a and 14b, the teller terminal shown in Figure 12 is referred to as "terminal" for convenience, and the financial institution server 1200 shown in Figure 12 is referred to as "server" for convenience, and the said teller terminal said The customer information, the gold account property setting information and the recurring sale condition information transmitted to the financial company server 1200 are referred to as "gold account opening application information" for convenience.

Referring to FIGS. 14A and 14B, when a predetermined customer fills out and submits an application for opening a gold account including at least one of customer information, gold account attribute setting information, and recurring trading condition information, the counter terminal shown in FIG. When the user interface is connected to the server through a predetermined financial network and a predetermined communication channel is connected, the user interface corresponding to the application for opening a bank account is requested (1400), the server corresponds to a predetermined image in the terminal. Generate (or extract) a user interface for acquiring and transmitting a predetermined image content corresponding to the gold account opening application written by the customer through the acquisition device to the server (1405), and generating (or through the financial network) The extracted user interface is transmitted to the terminal and output (1410).

Thereafter, the terminal acquires image content corresponding to the gold account opening application through a predetermined image acquisition device based on the user interface (1415).

If image content corresponding to the gold account opening application is obtained through the image acquisition device (1420), the terminal transmits the obtained image content to the server through the financial network (1425).

Thereafter, the server inputs (or selects) gold account opening application information including at least one of customer information corresponding to the gold account opening application matched with the image content, gold account property setting information, and recurring trading condition information. A user interface for transmitting to the server is generated (or extracted) (1430), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1435).

Thereafter, the terminal inputs (or selects) gold account opening application information including at least one of the customer information, gold account property setting information, and recurring trading condition information through the user interface (1440).

If the gold account opening application information including at least one of the customer information, the gold account property setting information, and the recurring trading condition information is input (or selected) through the user interface (1445), the terminal is connected to the financial network. The input (or selection) of the gold account opening application information is transmitted to the server (1450).

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

The gold account property setting information may include basic property information such as a financial account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit amount for the financial account, and at least one financial product attribute information associated with the financial account when the financial account is an account linked to an investmentable financial product. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

Thereafter, the server receives and reads gold account opening application information including at least one of the customer information, gold account property setting information, and recurring trading condition information through the financial network, thereby validating the validity of the gold account opening application information. Check (1455).

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

For example, the validity confirmation of the application information for opening a gold account may include determining whether the customer information (customer information, member information, etc.) included in the application information for opening a gold account is linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the gold account opening application information is not authenticated (1460), the server generates predetermined financial account opening error information and transmits it to the terminal (1465), and the gold corresponding to the gold account opening application information Do not open an account.

On the other hand, if the validity of the gold account opening application information is authenticated (1460), the server generates a predetermined gold account opening application electronic document including the image content (1470).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as the gold account opening application electronic document.

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. It is preferable to generate the gold account opening application electronic document of the image file corresponding to the image content to include in a manner.

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

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content. It is preferable to generate the gold account opening application electronic document by generating a word processor file or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received gold account opening application information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). Do.

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including an image content including the generated image content and the generated image content and the gold account opening request information; or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the gold account opening application electronic document.

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

Thereafter, the server stores the generated gold account opening application electronic document in a predetermined electronic document storage (1475).

As shown in FIG. 12, the electronic document repository is provided externally including a predetermined electronic document server 1245 and an electronic document D / B connected to a server on the financial account opening system through predetermined communication means. In this case, the server preferably transmits the generated gold account opening application electronic document to the electronic document server 1245 through the communication means to store in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated gold account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the method of the present invention, storing the gold account opening application electronic document in the electronic document storage, as shown in Figure 12 by processing the generated gold account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B.

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

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

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

If the electronic account opening request electronic document is stored in the electronic document storage (1480), the server is predetermined account ledger information corresponding to the gold account opening application information for opening a gold account with the periodic repeat sales function; (1485), open a gold account of the customer's name including the account ledger information in connection with the financial system (1490), and generate (or extract) predetermined financial account opening history information; Transmission to the terminal (1495).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the gold account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the gold account attribute included in the gold account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a gold account provided with the periodic repetitive trading function.

15A and 15B illustrate a process of opening a gold account with a periodic recurring trade function in a face-to-face manner according to another exemplary embodiment of the present invention.

15A and 15B show a terminal device in which a terminal device on the financial account opening system shown in FIG. 12 is provided at a branch of a financial institution (or a branch), and the financial institution server 1200 connects to a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with a teller terminal through the bank account, a predetermined customer includes at least one predetermined customer information, gold account property setting information, and recurring trading condition information. If the application is completed and submitted to a window provided at a predetermined financial institution, the financial institution will open a gold account with periodic recurring trade function in a face-to-face manner based on the application for opening the gold account. If the customer fills out the application for opening a gold account and submits it to the window, the window terminal requests the opening of the gold account. After inputting (or selecting) the gold account opening application information corresponding to the financial institution server 1200, and obtaining a predetermined image content corresponding to the gold account opening application through a predetermined image acquisition device to the financial company The periodic repetitive sales based on the application information for opening the gold account, which includes at least one of the customer information, the gold account property setting information, and the recurring sale condition information in the financial institution server 1200 in response to the transfer to the server 1200. It relates to an implementation method of opening a gold account with a function.

For those of ordinary skill in the art to which the present invention pertains, various implementation methods for providing the gold account opening application information from the window terminal to the financial company server 1200 by referring to or modifying the drawings 15a and 15b are provided. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 15A and 15B.

For example, although the embodiment shown in FIGS. 15A and 15B includes a process of generating a predetermined electronic document corresponding to the gold account opening application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In the following Figures 15a and 15b, the teller terminal shown in Figure 12 is referred to as a "terminal" for convenience, and the financial institution server 1200 shown in Figure 12 is referred to as a "server" for convenience, and the said teller terminal said The customer information, the gold account attribute setting information, and the recurring sale condition information transmitted to the financial institution server 1200 are referred to as "gold account opening application information" for convenience.

Referring to FIGS. 15A and 15B, when a predetermined customer fills out and submits an application for opening a gold account including at least one of customer information, gold account property setting information, and recurring trading condition information, the counter terminal shown in FIG. When the user accesses the server through a predetermined financial network and connects a predetermined communication channel, and requests a user interface corresponding to the gold account opening application (1500), the server correspondingly corresponds to the gold account created by the customer. Generate (or extract) a user interface for inputting (or selecting) gold account opening application information including at least one of customer information corresponding to the opening application, gold account property setting information, and recurring trading condition information. In operation 1505, the generated (or extracted) user interface is transmitted to the terminal through the financial network. (1510).

Thereafter, the terminal inputs (or selects) gold account opening application information including at least one of the customer information, gold account property setting information, and recurring trading condition information through the user interface (1515).

If the user inputs (or selects) the gold account opening application information including at least one of the customer information, the gold account property setting information, and the recurring trading condition information through the user interface (1520), the terminal connects through the financial network. The input (or selection) of the gold account opening application information is transmitted to the server (1525).

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

The gold account property setting information may include basic property information such as a financial account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit amount for the financial account, and at least one financial product attribute information associated with the financial account when the financial account is an account linked to an investmentable financial product. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

Thereafter, the server receives and reads gold account opening application information including at least one of the customer information, gold account property setting information, and recurring trading condition information through the financial network, thereby validating the validity of the gold account opening application information. Check (1530).

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

For example, the validity confirmation of the application information for opening a gold account may include determining whether the customer information (customer information, member information, etc.) included in the application information for opening a gold account is linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the gold account opening application information is not authenticated (1535), the server generates predetermined gold account opening error information and transmits it to the terminal (1540), and the finance corresponding to the gold account opening application information. Do not open an account.

On the other hand, if the validity of the gold account opening application information is authenticated (1535), the server acquires predetermined image contents corresponding to the gold account opening application written by the customer through a predetermined image acquisition device in the terminal and the server is obtained. A user interface for transmitting to the terminal is generated (or extracted) (1545), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (1550).

Thereafter, the terminal acquires image content corresponding to the gold account opening application through a predetermined image acquisition device based on the user interface (1555).

If image content corresponding to the gold account opening application is obtained through the image acquisition device (1560), the terminal transmits the obtained image content to the server through the financial network (1565).

In operation 1570, the server receiving the gold account opening application information and the image content from the terminal generates a predetermined gold account opening application electronic document including the image content.

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as the gold account opening application electronic document.

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. It is preferable to generate the gold account opening application electronic document of the image file corresponding to the image content to include in a manner.

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

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content. It is preferable to generate the gold account opening application electronic document by generating a word processor file or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received gold account opening application information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). Do.

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information on the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including an image content including the generated image content and the generated image content and the gold account opening request information; or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to generate the gold account opening application electronic document.

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

Thereafter, the server stores the generated gold account opening application electronic document in a predetermined electronic document storage (1575).

As shown in FIG. 12, the electronic document repository is provided externally including a predetermined electronic document server 1245 and an electronic document D / B connected to a server on the financial account opening system through predetermined communication means. In this case, the server preferably transmits the generated gold account opening application electronic document to the electronic document server 1245 through the communication means and stores the electronic document D / B in the electronic document.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated gold account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the method of the present invention, storing the gold account opening application electronic document in the electronic document storage, as shown in Figure 12 by processing the generated gold account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B.

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

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

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

If the electronic account opening request electronic document is stored in the electronic document storage (1580), the server is a predetermined account ledger information corresponding to the gold account opening application information for opening the gold account with the periodic repeat sales function; Generate (1585), open a financial account under the customer's name including the account ledger information in connection with the financial system (1590), and generate (or extract) predetermined financial account opening history information; And transmit (1595).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the gold account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the gold account attribute included in the gold account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a financial account for opening a gold account provided with the periodic recurring trade function.

16A and 16B illustrate a process of opening a gold account equipped with a periodic recurring trade function in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B are window terminals in which a terminal device on the financial account opening system shown in FIG. 12 is provided at a branch of a financial institution (or a branch), and the financial institution server 1200 connects to a predetermined financial network. In the case of having a ledger server (not shown) function on the financial system associated with a teller terminal through the bank account, a predetermined customer includes at least one predetermined customer information, gold account property setting information, and recurring trading condition information. If the application is completed and submitted to a window provided at a predetermined financial institution, the financial institution will open a gold account with periodic recurring trade function in a face-to-face manner based on the application for opening the gold account. When the customer fills out the application for opening the gold account and submits it to the counter, a predetermined image acquisition device is used at the counter terminal. Acquires predetermined image content corresponding to the gold account opening application, inputs (or selects) the gold account opening application information corresponding to the gold account opening application, and transmits the image paper content and the gold to the financial institution server 1200. When the account opening request information is transmitted, the periodic repetitive sale based on the gold account opening request information including at least one of the customer information, the gold account property setting information, and the recurring sale condition information in the financial institution server 1200 in response thereto. It relates to an implementation method of opening a gold account with a function.

For those of ordinary skill in the art to which the present invention pertains, various implementation methods for providing the gold account opening application information from the window terminal to the financial company server 1200 by referring to or modifying the drawings 16a and 16b are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 16A and 16B.

For example, although the method shown in FIGS. 16A and 16B includes a process of generating a predetermined electronic document corresponding to the gold account opening application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

Hereinafter, the window terminal shown in FIG. 12 in FIG. 16A and FIG. 16B will be referred to as a "terminal" for convenience, and the financial company server 1200 shown in FIG. 12 will be referred to as a "server" for convenience. The customer information, the gold account attribute setting information, and the recurring sale condition information transmitted to the financial institution server 1200 are referred to as "gold account opening application information" for convenience.

Referring to FIGS. 16A and 16B, when a predetermined customer fills out and submits an application for opening a gold account including at least one of customer information, gold account property setting information, and recurring trading condition information, the counter terminal shown in FIG. When the user interface is connected to the server through a predetermined financial network and a predetermined communication channel is connected, requesting a user interface corresponding to the application for opening a bank account (1600), the server responds to the request from the client. A user for inputting (or selecting) gold account opening application information corresponding to the created gold account opening application, and acquiring predetermined image contents corresponding to the gold account opening application through a predetermined image obtaining device and transmitting the same to the server. Create (or extract) an interface (1605) and create (or extract) the user interface through the financial network; And a transmission output to the terminal 1610.

Thereafter, the terminal inputs (or selects) gold account opening application information including at least one of the customer information, the gold account property setting information, and the recurring trading condition information through the user interface (1615).

If the gold account opening application information including at least one of the customer information, the gold account property setting information and the recurring trading condition information is input (or selected) through the user interface (1620), the terminal is based on the user interface. In operation 1625, an image content corresponding to the gold account opening application is obtained through a predetermined image obtaining apparatus.

If image content corresponding to the gold account opening application is obtained through the image acquisition device (1630), the terminal transmits the gold account opening application information and the image content to the server through the financial network (1635). .

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

The gold account property setting information may include basic property information such as a financial account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit amount for the financial account, and at least one financial product attribute information associated with the financial account when the financial account is an account linked to an investmentable financial product. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

Thereafter, the server receives and reads gold account opening application information including at least one of the customer information, gold account property setting information, and recurring trading condition information through the financial network, thereby validating the validity of the gold account opening application information. Check (1640).

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

For example, the validity confirmation of the application information for opening a gold account may include determining whether the customer information (customer information, member information, etc.) included in the application information for opening a gold account is linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the gold account opening application information is not authenticated (1645), the server generates predetermined gold account opening error information and transmits it to the terminal (1650), and the new corresponding to the gold account opening application information. Do not perform the procedure for opening a gold account.

On the other hand, if the validity of the gold account opening application information is authenticated (1645), the server generates a predetermined gold account opening application electronic document containing the image content (1655).

According to an embodiment of the present invention, the server preferably processes the image file including the image content received from the terminal device as the gold account opening application electronic document.

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. It is preferable to generate the gold account opening application electronic document of the image file corresponding to the image content to include in a manner.

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

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. Generating at least one image content including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the generated image content. It is preferable to generate the gold account opening application electronic document by generating a word processor file or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device and the received gold account opening application information; Or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). Do.

Alternatively, the server watermarks at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information on the image content received from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) that generates image content including the generated image content and includes the generated image content and the gold account opening request information; Or a word processor file including at least one of HWP / DOC or the like, or a web document file including an MHT).

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

Thereafter, the server stores the generated gold account opening application electronic document in a predetermined electronic document storage (1660).

As shown in FIG. 12, the electronic document repository is provided externally including a predetermined electronic document server 1245 and an electronic document D / B connected to a server on the financial account opening system through predetermined communication means. In this case, the server preferably transmits the generated gold account opening application electronic document to the electronic document server 1245 through the communication means to store in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated gold account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to the method of the present invention, storing the gold account opening application electronic document in the electronic document storage, as shown in Figure 12 by processing the generated gold account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B.

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

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

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

If the electronic account opening request electronic document is stored in the electronic document storage (1665), the server predetermined account ledger information corresponding to the gold account opening application information for the opening of the gold account with the periodic repeat sales function; Generate (1670), open a gold account of the customer name including the account ledger information in connection with the financial system (1675), and generate (or extract) predetermined gold account opening history information; To the processor 1680.

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the gold account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the gold account attribute included in the gold account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a gold account provided with the periodic repetitive trading function.

FIG. 17 illustrates a non-face-to-face financial account opening system for opening a gold account equipped with a periodic recurring trade function according to another exemplary embodiment of the present invention.

In more detail, in FIG. 17, a predetermined customer provides gold account opening application information including at least one of predetermined customer information, gold account property setting information, and recurring trading condition information through a non-face-to-face gold account opening interface to the financial institution. If provided, the financial institution based on the gold account opening application information for the configuration of a system for opening a financial account for the opening of the gold account with the periodic repeat sales function, specifically, the customer through a non-face-to-face channel When the gold account opening application information is provided to the financial account opening system, the customer information and the gold account attribute setting information corresponding to the gold account opening application are provided through a financial company server 1700 provided on the financial account opening system. Based on the application information for opening a gold account including at least one item of recurring trade conditions Group is for the exemplary method of opening an account, the gold having a periodically repeated marketing function.

Those skilled in the art to which the present invention pertains can refer to or modify this drawing 17 to infer various implementation methods for the configuration of the financial account opening system for opening a gold account with the periodic repetitive trading function. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, FIG. 17 includes a process of creating a predetermined electronic account opening electronic document and storing the electronic document in an electronic document storage in the process of opening the financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying the drawing 17, it is possible to omit storing the electronic account opening application electronic document in the electronic document storage, and the technical features of the present invention are not limited to the implementation method shown in the drawing 17 only.

Hereinafter, the application information for opening a gold account including at least one of the customer information, the gold account property setting information, and the recurring sale condition information from the customer through a predetermined gold account opening interface on the financial account opening system shown in FIG. 17. At least one means or component corresponding to the functional configuration of opening a gold account provided with the periodic repetitive trading function is referred to as a "financial company server 1700" for convenience.

Referring to FIG. 17 according to an embodiment of the present invention, a system for opening a financial account for opening a gold account with the periodic repeating selling function includes a terminal device including at least one wired terminal or a wireless terminal used by a customer. The terminal device is connected to the financial company server 1700 provided on the financial account opening system through a predetermined network means is connected to the communication channel.

According to an embodiment of the present invention, the customer connects to the financial institution server 1700 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server When the gold account opening application information is input (or selected) through at least one user interface provided by the 1700, the financial institution server 1700 provided on the financial account opening system through a predetermined network means in the client terminal. Is preferred.

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

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

In addition, the financial institution server 1700 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server.

The network means for connecting the client terminal and the financial institution server 1700 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based mobile Internet or IEEE 802.11 according to a wireless communication network type to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 1700, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 1700. It is preferable that a configuration (for example, a browser program and a communication function or a predetermined communication program and a communication function to communicate with the financial institution server 1700) 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 wired terminal or a wireless terminal, and thus a detailed description thereof will be omitted for convenience.

In the financial account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or a wireless communication network connecting the client terminal and the financial company server 1700. The customer performs the function of the gold account opening interface for registering the gold account opening application information.

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

In the financial account opening system as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 1700 may be used. The connecting financial network performs a function of a gold account opening interface for the customer to register the gold account opening application information, or when the terminal device is the call terminal (not shown), the call terminal (not shown). And a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the financial company server 1700 to perform a function of a gold account opening interface for the customer to register the gold account opening application information, or the terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution as a device, the terminal (or server) (not shown) and the terminal (and Servers) (network that connects not shown) and the bank server (1700) is performing the functions of the gold account opening interface for the customer registers the gold account opening application information.

The financial company server 1700 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device through a predetermined network means, and includes at least one server (or device). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 1700 is provided on the internet banking system. A predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the financial institution server 1700 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 1700 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the telebanking server (or the server (or device)), Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 1700 is on the TV banking system. A predetermined TV banking server, or a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the TV banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the financial institution server 1700 may include an interface unit 1705 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 1705 is defined in the wired communication network or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is preferable.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1705 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 1700, the interface unit 1705 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1705 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1705 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 1700, the interface unit 1705 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 1705 may be connected to the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1705 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1705 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 17, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 1700 through the interface unit 1705, the financial institution server 1700 may set a predetermined gold account in the terminal device. Generate (or extract) at least one user interface for inputting (or selecting) establishment application information to be transmitted to the financial institution server 1700, and generating (or extracting) the interface in connection with the interface unit 1705. An interface providing unit 1710 for providing a user interface to the terminal device, and when the terminal device inputs (or selects) the gold account opening application information through the user interface and transmits the link, the interface unit 1705 is linked. And an information receiver 1715 receiving the gold account opening application information transmitted from the terminal device.

The interface provider 1710 connects a predetermined communication channel with the financial institution server 1700 through the interface unit 1705, and then requests the user interface from the financial institution server 1700. Generate at least one user interface that allows the terminal device to input (or select) predetermined bank account opening application information and transmit it to the financial institution server 1700 via the network means, or a predetermined database (not shown). And extract the generated (or extracted) user interface to the terminal device through the network means in association with the interface unit 1705.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 1710 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined predetermined user interface and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1710 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface providing unit 1710 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1705.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1710 may be provided to the call terminal (not shown). Generating (or extracting) a user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1705. desirable.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1710 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1705.

According to another exemplary embodiment of the present invention, a terminal having at least one user interface for inputting (or selecting) predetermined gold account opening application information to the financial institution server 1700 through the network means is transmitted to the terminal device. If the information registration program is provided, generate (or extract) a user interface for inputting (or selecting) predetermined financial account opening application information to the financial institution server 1700 and providing it to the terminal device as described above. The interface providing unit 1710 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) gold account opening application information including at least one of the customer information, gold account attribute setting information, and recurring trading condition information through the user interface, and inputs (or selects) the information. The gold account opening application information to the financial institution server 1700 through the network means, and in response thereto, the information receiving unit 1715 is connected to the interface unit 1705 and the gold account transmitted from the terminal device. Receive establishment application information.

According to an exemplary embodiment of the present invention, the terminal apparatus requests to open the gold account at the financial company server 1700 in the gold account opening application information including at least one of the customer information, the gold account property setting information, and the recurring trading condition information. The financial company server 1700 through the network means, including at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the information. It is desirable to send to.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, symmetric key-based encryption) for gold account opening application information including at least one or more of the customer information, gold account property setting information, and repetitive trading condition information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or the financial institution through the network means by attaching a predetermined electronic signature to the gold account opening application information. It is preferable to transmit to the server 1700, for which the terminal device has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, or If the official certificate is provided on a predetermined IC chip (or IC card), It is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (eg, symmetric key-based encryption) for gold account opening application information including at least one or more of the customer information, gold account property setting information, and repetitive trading condition information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the financial institution server 1700 through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined public certificate including at least one or more encryption keys, or the public certificate is provided on a predetermined IC chip (or IC card) In this case, the card to check the official certificate provided in the IC chip (or IC card) It is preferred that the provided.

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

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

The gold account property setting information may include basic property information such as a gold account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit on the gold account, and at least one financial product attribute information associated with the gold account when the gold account is an account linked to an investmentable financial instrument. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

Referring to FIG. 17, when the financial institution opening request information transmitted from the terminal device is received through the information receiving unit 1715, the financial institution server 1700 receives the repeated opening and closing request information. Characterized in that it comprises a validity authentication unit to check whether the validity for opening the account is provided with a function.

According to an embodiment of the present invention, the gold account opening application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.). ), The validity authentication unit converts the encrypted gold account opening request information into at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based method) corresponding to the encryption method. It is preferable to authenticate the validity of the received gold account opening application information by decryption using a decryption method, or a key exchange based decryption method).

Alternatively, when a predetermined electronic signature is attached to the gold account opening application information, the validity authentication unit verifies the validity of the received gold account opening application information by checking the electronic signature attached to the gold account opening application information. It is desirable to.

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

According to an embodiment of the present invention, when the gold account opening application information received through the information receiving unit 1715 further includes a predetermined password for checking the validity of the gold account opening application information, the validity authentication unit It is preferable to authenticate the validity of the received gold account opening application information by comparing and authenticating the password included in the gold account opening application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the gold account opening application information received through the information receiving unit 1715 further includes predetermined security card information for checking the validity of the gold account opening application information, the validity authentication unit may include the gold account opening. It is preferable to authenticate the validity of the received gold account opening application information by comparing and authenticating the received security card information included in the opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the gold account opening application information received through the information receiving unit 1715 further includes a predetermined OTP code for checking the validity of the gold account opening application information, the validity authentication unit opens the gold account. By comparing and authenticating the received OTP code included in the application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the validity of the received gold account opening application information is verified. It is desirable to authenticate.

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

For example, the validity confirmation of the application information for opening a gold account may include determining whether the customer information (customer information, member information, etc.) included in the application information for opening a gold account is linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 17, when the validity of the gold account opening application information is authenticated through the validity checking unit 1720, the financial institution server 1700 includes a predetermined gold account including the received gold account opening application information. An electronic document generation unit 1725 for generating an opening application electronic document, and an electronic document transmission unit 1730 for transmitting the generated gold account opening application electronic document to an electronic document repository associated with the financial account opening system; Characterized in that made.

The electronic document generating unit 1725 generates a gold account opening application electronic document including the gold account opening application information received from the terminal device through the information receiving unit 1715.

According to an exemplary embodiment of the present invention, the electronic document generating unit 1725 may include the customer information, the gold account property setting information, and the recurring trading condition information included in the gold account opening application information received through the information receiving unit 1715. Generating at least one document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) including the document content; A word processor file, or a web document file including the MHT).

Alternatively, the electronic document generating unit 1725 includes at least one document information including customer information, gold account attribute setting information, and recurring trading condition information included in the gold account opening request information received through the information receiving unit 1715. And generating at least one or more information of the customer information, the gold account property setting information, and the recurring trading condition information included in the gold account opening application information in the document content by a watermarking method. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document file) is preferably processed as the electronic account opening application electronic document.

Alternatively, the electronic document generating unit 1725 includes at least one document information including customer information, gold account attribute setting information, and recurring trading condition information included in the gold account opening request information received through the information receiving unit 1715. And generating an image file including the image content (eg, the image content generated by capturing the document content on a memory) as the gold account opening application electronic document. .

Alternatively, the electronic document generating unit 1725 includes at least one document information including customer information, gold account attribute setting information, and recurring trading condition information included in the gold account opening request information received through the information receiving unit 1715. And the customer information and the gold account property setting information included in the gold account opening application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. It is preferable to include at least one or more information of the repetitive trading condition information by a watermarking method, and then process an image file including the image content including the watermarking as the gold account opening application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1725 may include customer information, gold account property setting information, and recurring trading condition information included in the gold account opening application information received through the information receiving unit 1715. A predetermined document file (eg, PDF) that generates document content including at least one of the document content, and includes image content (eg, image content generated by capturing the document content on a memory). (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to process it as an electronic document.

Alternatively, the electronic document generating unit 1725 includes at least one document information including customer information, gold account attribute setting information, and recurring trading condition information included in the gold account opening request information received through the information receiving unit 1715. And the customer information and the gold account property setting information included in the gold account opening application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. Generating an image content including at least one or more information of the repetitive trading condition information by a watermarking method, and a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking, or EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, etc., or MHT By creating a web page, etc. should file), it is preferable to treatment with the gold account opening application electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1725 may include customer information, gold account property setting information, and recurring trading conditions included in the gold account opening application information received through the information receiving unit 1715. Generating document content including at least one information, and including image content (eg, image content generated by capturing the document content on a memory) and the gold account opening request information; A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating it, it is preferable to process it by the said electronic account opening application electronic document.

Alternatively, the electronic document generating unit 1725 includes at least one document information including customer information, gold account attribute setting information, and recurring trading condition information included in the gold account opening request information received through the information receiving unit 1715. And the customer information and the gold account property setting information included in the gold account opening application information in the image content (eg, the image content generated by capturing the document content on the memory) which captured the document content. Create a document content including at least one or more information of the repetitive trading condition information by a watermarking method, and a document file (for example, PDF (including PDF) containing the watermarking image content and the gold account opening request information. At least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. By generating a de-processor file, or web page file, and so on) containing the MHT, it is preferably treated with the gold account opening application electronic document.

In the technical field to which the present invention pertains, technical features of the electronic document generating unit 1725 for generating an electronic document for opening a gold account in an image file format or a predetermined document file format, and the gold account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document for opening application, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1730 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 1725 to a predetermined electronic document repository associated with the financial account opening system. do.

As shown in FIG. 17, the electronic document repository includes a predetermined electronic document server 1740 and an electronic document D / B associated with the financial company server 1700 on the financial account opening system through predetermined communication means. When provided outside, the electronic document transmission unit 1730 transmits the gold account opening application electronic document generated by the electronic document generation unit 1725 to the electronic document server 1740 through the communication means. It is characterized by.

Herein, when the electronic document server 1740 and the electronic document D / B are provided outside the financial account opening system, the electronic document server 1740 and the electronic document D / B are managed by an authorized institution. It is preferable.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmitting unit 1730 is generated by the electronic document generating unit 1725. It is possible to store the electronic document opening application electronic document in the electronic document D / B corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 1730 is electronic document related information (for example, the customer information, or the gold account) for generating a predetermined electronic document management information in the electronic document server 1740 Financial institution information, electronic document file format information, or the gold account opening application information, etc.) that transmits an opening application electronic document, and the like, may be transmitted to the electronic document storage, and the present invention is not limited thereto. .

Referring to FIG. 17, when the financial account opening request information received through the information receiving unit 1715 is verified through the validity confirming unit 1720, the financial institution server 1700 may verify that the validity is verified. An account opening unit 1735 for opening a financial account in a customer's name including the gold account property setting information based on the customer information, gold account property setting information, and recurring trading condition information included in the account opening request information; Characterized in that made.

When the validity of the gold account opening application information is confirmed by the validity checking unit 1720, the account opening unit 1735 includes the customer information included in the gold account opening application information in connection with the financial system. After generating a ledger (or confirming a customer ledger that is already matched with the customer information), after generating the predetermined account ledger information including the gold account attribute included in the gold account opening application information, the customer By storing the account ledger information in a predetermined account ledger associated with the ledger, it is characterized by opening a gold account with the periodic reseller function corresponding to the application for opening the gold account.

Referring to FIG. 17, an electronic document server 1740 which receives a predetermined gold account opening request electronic document from the financial company server 1700 provided on the financial account opening system and stores and manages the electronic document D / B in a predetermined electronic document D / B. ), An electronic document receiving unit 1745 for receiving a predetermined gold account opening request electronic document from the financial institution server 1700 through a predetermined communication means, and the electronic document D / An information generation unit 1750 for generating predetermined electronic document management information for storing and managing in B, and the electronic document management information and the gold account opening application electronic document are stored in a predetermined electronic document D / B. It is characterized by comprising an electronic document storage unit 1755.

The electronic document receiving unit 1745 may receive an electronic document opening request electronic document in the form of an image file or a document file from the financial institution server 1700 through the communication means.

According to an embodiment of the present invention, the gold account opening request electronic document received by the electronic document receiving unit 1745 through the communication means is based on the gold account opening request information received by the financial institution server 1700 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document content including at least one of customer information, gold account property setting information, and recurring trading condition information. It is preferable to include a word processor file including at least one / DOC or the like, or a web document file including the MHT.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1745 through the communication means includes the customer information and the gold account included in the gold account opening request information received by the financial institution server 1700 from the terminal device. Watermarking at least one of customer information included in the gold account opening application information, at least one of the gold account property setting information and the repetitive trading condition information in document content including at least one property setting information and recurring trading condition information. A word including at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content including the watermarking after the method is included. Processor file, or a web document file including MHT).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1745 through the communication means includes the customer information and the gold account included in the gold account opening request information received by the financial institution server 1700 from the terminal device. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of property setting information and repetitive trading condition information. desirable.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1745 through the communication means includes the customer information and the gold account included in the gold account opening request information received by the financial institution server 1700 from the terminal device. Included in the gold account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of property setting information and repetitive trading condition information. The watermarking method may include at least one of customer information, gold account property setting information, and repetitive trading condition information, and then include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the gold account opening request electronic document received by the electronic document receiving unit 1745 through the communication means is the gold account opening request information received by the financial institution server 1700 from the terminal device. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one or more of customer information, gold account property setting information, and recurring trading condition information included in the document information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1745 through the communication means includes the customer information and the gold account included in the gold account opening request information received by the financial institution server 1700 from the terminal device. Included in the gold account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of property setting information and repetitive trading condition information. A document file including image information including at least one of customer information, gold account property setting information, and repetitive trading condition information by a watermarking method, and including image content including the watermarking (eg, At least one Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, or HWP / DOC Or a web document file including the MHT).

According to another embodiment of the present invention, the gold account opening request received by the electronic document receiving unit 1745 through the communication means is an application for opening a gold account received by the financial institution server 1700 from the terminal device. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the information; A small document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including the gold account opening application information, or an MHT. It is preferable that the web document file including a).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 1745 through the communication means includes the customer information and the gold account included in the gold account opening request information received by the financial institution server 1700 from the terminal device. Included in the gold account opening application information in the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of property setting information and repetitive trading condition information. Generate image content including at least one of customer information, gold account property setting information, and recurring trading condition information by a watermarking method, and the image content including the watermarking and the application information for opening a gold account; A document file (for example, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 1750 may assign a predetermined electronic document unique number (or unique information) to be assigned to the gold account opening request electronic document received through the electronic document receiving unit 1745, and the electronic document receiving unit 1745. And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the gold account opening application electronic document was stored) when the electronic account opening application electronic document was received. do.

According to the exemplary embodiment of the present invention, the information generating unit 1750 opens the gold account with reference to the financial company server 1700 which transmitted the electronic account opening request electronic document received through the electronic document receiving unit 1745. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 1745 further receives a predetermined electronic document related information from the financial company server 1700, the information generating unit 1750 is the received electronic Electronic document management information further including document related information (eg, the financial institution information for transmitting the customer information or the electronic account opening request electronic document, the electronic document file format information, or the gold account opening application information, etc.). It is desirable to produce.

The electronic document storage unit 1755 associates a gold account opening request electronic document received through the electronic document receiving unit 1745 with electronic document management information generated through the information generation unit 1750 to process a predetermined electronic document. It is characterized by storing in the document D / B.

According to an embodiment of the present invention, the gold account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 is the gold account opened by the financial company server 1700 received from the terminal device A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the application information. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 may include customer information included in the gold account opening request information received by the financial institution server 1700 from the terminal device. Watermarking at least one of customer information, gold account property setting information, and recurring sale condition information included in the gold account opening application information in document content including at least one of the following information; At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 may include customer information included in the gold account opening request information received by the financial institution server 1700 from the terminal device. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more of gold account property setting information and repetitive trading condition information. It is preferable to make it.

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 may include customer information included in the gold account opening request information received by the financial institution server 1700 from the terminal device. And application information for opening the gold account in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more of gold account property setting information and recurring trading condition information. After the watermarking method includes at least one or more of the customer information, gold account property setting information and the repetitive trading condition information included in the watermarking method, and comprises an image file including the image content including the watermarking desirable.

According to another exemplary embodiment of the present invention, a gold account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 is a gold account received by the financial institution server 1700 from the terminal device. Image content that captures document content including at least one or more customer information, gold account property setting information, and recurring trading condition information included in the application information (eg, image content generated by capturing the document content on a memory). A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 may include customer information included in the gold account opening request information received by the financial institution server 1700 from the terminal device. And application information for opening the gold account in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more of gold account property setting information and recurring trading condition information. A document file including image information including at least one of customer information, gold account property setting information, and recurring trading condition information included in a watermarking method, and including the watermarking. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or at least one HWP / DOC). The word processor file, or the web document file including the MHT).

According to another exemplary embodiment of the present invention, the gold account opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 is a gold received by the financial institution server 1700 from the terminal device. Image content that captures document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the account opening request information (eg, an image generated by capturing the document content on a memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) containing at least one content including the contents) and the application for opening a bank account. , Or a web document file including MHT).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B by the electronic document storage unit 1755 may include customer information included in the gold account opening request information received by the financial institution server 1700 from the terminal device. And application information for opening the gold account in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more of gold account property setting information and recurring trading condition information. Create image content including at least one of customer information, gold account property setting information and recurring trading condition information included in a watermarking method, and open the image content and the gold account including the watermarking. A document file containing the application information (e.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file, Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1755 in association with the gold account opening request electronic document is the gold account opening request electronic document. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the electronic document storage date and time.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage unit 1755 in association with the gold account opening request electronic document is stored in the electronic account opening request electronic. It is preferable that the financial institution server 1700 which transmits the document further includes financial institution information that transmits the electronic account opening request electronic document confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial company server 1700, the electronic document storage unit 1755 processes the electronic account opening request electronic document in connection with the electronic document. The electronic document management information stored in the electronic document D / B may include the received electronic document related information (for example, financial institution information for transmitting the customer information or the electronic account opening request electronic document, electronic document file format information, Or the gold account opening application information).

18 illustrates a ledger configuration corresponding to a financial account opened in a non-face-to-face manner in accordance with an embodiment of the present invention.

In more detail, FIG. 18 includes an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 17 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 18 to infer various embodiments of the ledger configuration corresponding to the financial account. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and at least one account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B includes at least one ledger (for example, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. Will clearly understand that it contains more, and will also be familiar with the specific technical details, It is omitted for convenience.

The customer ledger is a ledger including customer information included in the application for opening a bank account, and includes a CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, region classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, account number, president, business type, legal representative , Initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is a ledger corresponding to the financial account opened in response to the application for opening the gold account, which is linked to the customer ledger in a relational manner, account number, CIF number, point number, currency, opening date, state, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. ), Periodical reception information including at least one or more of a period (days), period extension, expiration date, and target amount, or an account number corresponding to the account ledger, a deposit amount, par value, pension date, and Trust reception information containing at least one drinking water, or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.) It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, and the like.

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

19A and 19B illustrate a process of opening a gold account with a periodic recurring trade function in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 19A and 19B illustrate a web server function in which a terminal device on the financial account opening system shown in FIG. 17 is a client terminal, and the financial institution server 1700 can be accessed by a client terminal through a predetermined network means. In the case of providing, when a predetermined customer provides gold account opening application information including at least one of customer information, gold account property setting information and recurring trading condition information through the client terminal to open a financial account, For a method of opening a gold account with the periodic recurring trade function based on the application information for opening a gold account including at least one of the customer information, gold account property setting information and recurring trading condition information in a financial account opening system. As those skilled in the art to which the present invention pertains, Although various implementation methods of providing the gold account opening application information from the client terminal to the financial institution server 1700 may be inferred by referring to or modifying the surfaces 19a and 19b, the present invention provides all the inferred implementation methods. It is not limited to the implementation method shown in this drawing 19a and 19b.

For example, in the method shown in FIGS. 19A and 19B, a process of generating a predetermined electronic document corresponding to the gold account opening application information and storing the electronic document in an electronic document storage is illustrated. Can be omitted according to the present invention, thereby not limited.

In addition, the implementation method illustrated in FIGS. 19A and 19B provides a user interface through which the client terminal inputs (or selects) the gold account opening application information through a predetermined web page provided by the financial institution server 1700. Although illustrated as being received, when a predetermined program is provided in the client terminal, the user interface may not be provided from the financial institution server 1700, and the present invention is not limited thereto.

Hereinafter, in FIGS. 19A and 19B, the client terminal illustrated in FIG. 17 is referred to as a “terminal” for convenience, and the financial institution server 1700 illustrated in FIG. 17 is referred to as a “server” for convenience. The customer information, the gold account attribute setting information, and the recurring sale condition information transmitted to the financial institution server 1700 are referred to as "gold account opening application information" for convenience.

19A and 19B, when the client terminal illustrated in FIG. 17 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, A web page including the user interface connected to the server by accessing the server through a CDMA based (or HSDPA based) mobile communication network, an IEEE 802.16x based portable Internet, or an IEEE 802.11x based wireless LAN) In response to the request (1900), in response, the server inputs (or selects) gold account opening application information including at least one of the customer information, gold account property setting information, and recurring trading condition information, and transmits it to the server. Generate (or extract) a webpage comprising a user interface for the user interface (1905) and generate (or add) through the network means ) And it transmits the output to a Web page that a user interface to the mobile station (1910).

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

Thereafter, the terminal inputs (or selects) gold account opening application information including at least one or more customer information, gold account property setting information, and recurring trading condition information through a user interface included in the web page (1915).

If the user inputs (or selects) the gold account opening application information including the customer information, the gold account property setting information, and the recurring trading condition information through the user interface (1920), the terminal receives the communication channel through the communication channel. In operation 1925, the input (or selected) customer information, gold account property setting information, and repetitive trading condition information are transmitted to the server.

According to an embodiment of the present invention, the terminal validates the validity of the gold account opening application information on the server in the gold account opening application information including at least one of the customer information, the gold account property setting information, and the recurring trading condition information. Preferably, at least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for the application information for opening a gold account including at least one of the customer information, gold account property setting information, and repetitive trading condition information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or by attaching a predetermined electronic signature to the gold account opening application information to the server through the network means. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate has a predetermined certificate. When provided in an IC chip (or IC card), the IC chip (or IC card) It is preferable that a card reader is provided for checking the official certificate provided in the.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for the application information for opening a gold account including at least one of the customer information, gold account property setting information, and repetitive trading condition information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmit the encrypted data to the server through the network means. For this purpose, the terminal corresponds to the encryption method. The at least one encryption key, or if a predetermined authentication certificate including at least one encryption key is provided, or when the authentication certificate is provided at a predetermined IC chip (or IC card), the IC chip ( Or IC card) is provided with a card reader for checking the certificate Is recommended.

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

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

The gold account property setting information may include basic property information such as a gold account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit on the gold account, and at least one financial product attribute information associated with the gold account when the gold account is an account linked to an investmentable financial instrument. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

Thereafter, the server receives and reads the customer information, the gold account property setting information, and the repetitive trading condition information through the communication channel to confirm the validity of the gold account opening application information (1930).

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

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

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

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

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

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

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

For example, the validity confirmation of the application information for opening a gold account may include determining whether the customer information (customer information, member information, etc.) included in the application information for opening a gold account is linked to the financial account opening system. It is desirable to include verifying that it matches the customer ledger stored in / B.

If the validity of the gold account opening application information is not authenticated (1935), the server generates a web page including predetermined gold account opening error information and transmits it to the terminal (1940), and the gold account opening procedure Do not do it.

On the other hand, if the validity of the gold account opening application information is authenticated (1935), the server includes at least one or more customer information including the gold account opening application information, gold account property setting information and recurring trading condition information. A document content is generated (1945), and a predetermined gold account opening request electronic document including the document content is generated (1950).

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

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and requests to open the gold account in the document content. A document file (eg, PDF) containing document content including the watermarking after including at least one of customer information, gold account property setting information, and recurring trading condition information included in the information by a watermarking method. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to process.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. It is preferable to process an image file including image content (eg, image content generated by capturing the document content on a memory) into the gold account opening request electronic document.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. Watermarking at least one of customer information included in the gold account opening application information, gold account property setting information, and repetitive trading condition information on image content (eg, image content generated by capturing the document content on a memory); After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as the gold account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including image content captured from document content (eg, image content generated by capturing the document content on a memory). ), A word processor file including at least one of HWP / DOC, or a web document file including MHT), and the like.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. Watermarking at least one of customer information included in the gold account opening application information, gold account property setting information, and repetitive trading condition information on image content (eg, image content generated by capturing the document content on a memory); A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC file, etc.) is generated that generates image content including the watermarking method and includes the watermarking-containing image content. By generating at least one word processor file, or a web document file including MHT), It is preferable to process the electronic account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information. A predetermined document file (eg, Portable Document Format (PDF)) containing image content (eg, image content generated by capturing the document content on a memory) and the gold account opening application information captured by the document content. File, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to process the gold account opening application electronic document. It is preferable.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. Watermarking at least one of customer information included in the gold account opening application information, gold account property setting information, and repetitive trading condition information on image content (eg, image content generated by capturing the document content on a memory); A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) is generated that generates an image content including a watermarking method and includes the watermarking image content and the gold account opening application information. A file, or a word processor file including at least one of HWP / DOC, etc., or a web including MHT. By creating a file server, etc.), it is preferable to treatment with the gold account opening application electronic documents.

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

Thereafter, the server stores the generated gold account opening application electronic document in a predetermined electronic document storage (1955).

As shown in FIG. 17, the electronic document repository includes an electronic document D / B and an electronic document server 1740 connected to the server on the financial account opening system through predetermined communication means. In this case, the server preferably transmits the generated gold account opening application electronic document to the electronic document server 1740 through the communication means and stores in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated gold account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the gold account opening application electronic document in the electronic document storage is shown in FIG. 17 by linking the generated gold account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B.

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

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

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

If the electronic account opening request electronic document is stored in the electronic document storage (1960), the server is predetermined account ledger information corresponding to the gold account opening application information for opening a gold account with the periodic repeat sales function; (1965), open a gold account of the customer's name including the account ledger information in association with the financial system (1975), and generate (or extract) predetermined gold account opening history information; (1980).

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the gold account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the gold account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a gold account provided with the periodic repetitive trading function.

20A, 20B, and 20C are diagrams illustrating a process of opening a gold account with a periodic recurring trade function according to one embodiment of the present invention.

In more detail, FIGS. 20A, 20B, and 20C illustrate a case in which the financial account opening system shown in FIG. 17 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 17). In the case where the financial institution server 1700 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits application information for opening a gold account to the internet banking server in order to open the financial account, the Internet banking server stores at least the customer information, the gold account property setting information, and the recurring trading condition information. Open a gold account equipped with the periodic repetitive trading function based on the application information for opening a gold account including one or more. As to those skilled in the art to which the present invention pertains, reference to or modification of the drawings 20a, 20b and 20c to open the gold account through a different type of non-face-to-face financial transaction channel Various implementation methods for providing application information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 20A, 20B, and 20C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 20A, 20B, and 20C, the browser Although a method of connecting an internet banking-based financial transaction channel for registering a gold account opening application information between the client terminal and the Internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains Referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 20A, 20B, and 20C, the client terminal and the internet banking are based on a predetermined internet banking program mounted on the client terminal. server In this regard, it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a gold account opening application information, but the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 20a, 20b and 20c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering a gold account opening application information. It includes all kinds of non-face-to-face channel based financial transactions including wireless banking system or TV banking system or future proposed non-face-to-face banking system, and the technical configuration of the present invention is shown in FIGS. 20A, 20B and 20C. It is by no means limited to Internet banking.

In addition, although the embodiment shown in FIGS. 20A, 20B, and 20C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document repository, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

20A, 20B, and 20C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial institution server 1700 is referred to as " server "

20A, 20B, and 20C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2000a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (2005a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2010a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (2015a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2020a.

If the terminal does not need to install or update the latest version of the security module for internet banking (2025a), or if the terminal does not need to install or update the security module for internet banking (2015a), the server is mounted on the terminal. By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (2030a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding method (or decryption algorithm), and the information (or data) to be provided to the server for registration of gold account opening application information in the terminal. When a predetermined digital signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by a decryption method (or a decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server to register the gold account opening application information. Attach a signature or at least one encryption method (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2035a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (2040a). The server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (2045a).

If the Internet banking customer authentication fails (2050a), the server blocks the Internet banking security channel for the terminal (2055a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2050a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (2060a), where Internet banking The underlying financial transaction channel refers to a communication channel through which the terminal can register and register predetermined bank account opening application information from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (2000b), the server responds to the customer information, the gold account property setting information, and the recurring trading condition. Generate (or extract) a web page including a user interface for inputting (or selecting) gold account opening application information including at least one information and transmitting the same to the server (2005b), and the internet banking-based financial transaction channel; The web page including the generated (or extracted) user interface is transmitted to the terminal and output (2010b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) gold account opening application information including at least one of customer information, gold account property setting information, and recurring trading condition information in the terminal. In order to verify the validity of the Internet banking customer requesting to register the gold account opening application information, a predetermined password or security card information (e.g., a security card issued to the customer during the internet banking application process) Printed security card information) or one-time password (for example, a one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the Internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a).

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

Thereafter, the terminal inputs (or selects) gold account opening application information including at least one of the customer information, the gold account property setting information, and the recurring trading condition information through the gold account opening interface (2015b).

If the terminal inputs (or selects) the gold account opening application information including the customer information, the gold account property setting information, and the repetitive trading condition information through the user interface (2020b), the terminal establishes the financial transaction channel. The input (or selected) through the gold account opening application information is transmitted to the server (2025b).

According to an embodiment of the present invention, the terminal validates the validity of the gold account opening application information on the server in the gold account opening application information including at least one of the customer information, the gold account property setting information, and the recurring trading condition information. Preferably, at least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for the application information for opening a gold account including at least one of the customer information, gold account property setting information, and repetitive trading condition information. Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or by attaching a predetermined electronic signature to the gold account opening application information to the server through the network means. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate has a predetermined certificate. When provided in an IC chip (or IC card), the IC chip (or IC card) It is preferable that a card reader is provided for checking the official certificate provided in the.

According to an embodiment of the present invention, the terminal may include at least one encryption method (for example, a symmetric key based encryption method) for the application information for opening a gold account including at least one of the customer information, gold account property setting information, and repetitive trading condition information. , Or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC chip, provided with a corresponding at least one encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card) (Or IC card) is provided with a card reader for checking the certificate Is recommended.

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

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

The gold account property setting information may include basic property information such as a gold account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit on the gold account, and at least one financial product attribute information associated with the gold account when the gold account is an account linked to an investmentable financial instrument. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

Thereafter, the server receives and reads the gold account opening application information through the financial transaction channel to check the validity of the gold account opening application information (2030b).

According to an embodiment of the present invention, the gold account opening application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.). ), The server is configured to at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based method) corresponding to the encryption method. It is preferable to authenticate the validity of the received gold account opening application information by decryption using a decryption method, or a key exchange based decryption method).

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

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

When the received gold account opening application information according to the method of the present invention further includes a predetermined password for checking the validity of the gold account opening application information, the server is included in the gold account opening application information. By comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received gold account opening application information.

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

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

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

For example, the validity of the gold account opening application information, the customer information (customer personal information, member information, etc.) included in the gold account opening application information is led by the financial system linked to the financial account opening system It is preferable to include a check that matches the customer ledger stored in the D / B.

If the validity of the gold account opening application information is not authenticated (2035b), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (2040b), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the gold account opening application information is authenticated (2035b), the server may include at least one or more customer information including the gold account opening application information, gold account property setting information, and recurring trading condition information. The document content is generated (2045b), and a predetermined gold account opening application electronic document including the document content is generated (2050c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold account property setting information, and repetitive trading condition information included in the received gold account opening application information, and the document. Document files containing content (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, Web document files including MHT, etc.) ) Is preferably processed as the electronic account opening application electronic document.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and requests to open the gold account in the document content. A document file (eg, PDF) containing document content including the watermarking after including at least one of customer information, gold account property setting information, and recurring trading condition information included in the information by a watermarking method. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to process.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. It is preferable to process an image file including image contents (eg, image contents generated by capturing the document contents on a memory) into the gold account opening request electronic document.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. Watermarking at least one of customer information included in the gold account opening application information, gold account property setting information, and repetitive trading condition information on image content (eg, image content generated by capturing the document content on a memory); After the watermarking method is included, it is preferable to process an image file including the image content including the watermarking as the gold account opening application electronic document.

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

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. Watermarking at least one of customer information, gold account property setting information, and recurring trading condition information included in the gold account opening application information into an image content (for example, image content generated by capturing the document content on a memory) A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) that generates image content including the watermarking method and includes the watermarked image content By generating a word processor file including at least one or the like, or a web document file including the MHT; It is preferable to process the electronic account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information. A predetermined document file (eg, Portable Document Format (PDF)) containing image content (eg, image content generated by capturing the document content on a memory) and the gold account opening application information captured by the document content. File, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT), to process the gold account opening application electronic document. It is preferable.

Alternatively, the server generates document content including at least one of customer information, gold account property setting information, and recurring trading condition information included in the received gold account opening application information, and captures the document content. Watermarking at least one of customer information included in the gold account opening application information, gold account property setting information, and repetitive trading condition information on image content (eg, image content generated by capturing the document content on a memory); A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) is generated that generates an image content including a watermarking method and includes the watermarking image content and the gold account opening application information. A file, or a word processor file including at least one of HWP / DOC, etc., or a web including MHT. By creating a file server, etc.), it is preferable to treatment with the gold account opening application electronic documents.

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

Thereafter, the server stores the generated gold account opening application electronic document in a predetermined electronic document storage (2055c).

As shown in FIG. 17, the electronic document repository includes an electronic document D / B and an electronic document server 1740 connected to the server on the financial account opening system through predetermined communication means. In this case, the server preferably transmits the generated gold account opening application electronic document to the electronic document server 1740 through the communication means and stores in the electronic document D / B.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated gold account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the gold account opening application electronic document in the electronic document storage is shown in FIG. 17 by linking the generated gold account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B.

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

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

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

If the electronic account opening request electronic document is stored in the electronic document storage (2060c), the server predetermined account ledger information corresponding to the gold account opening application information for opening a gold account with the periodic repeat sales function; Generate (2065c), open a gold account of the customer's name including the account ledger information in association with the financial system (2070c), and generate (or extract) predetermined gold account opening history information; To 2075c.

According to an embodiment of the present invention, the server generates a customer ledger including the customer information included in the gold account opening application information in association with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account attribute included in the gold account opening application information and storing the account ledger information in a predetermined account ledger associated with the customer ledger. In response to the account opening application information, it is preferable to open a gold account provided with the periodic repetitive trading function.

21 is a diagram illustrating a gold account operating system for periodic recurring trading in accordance with an embodiment of the present invention.

More specifically, FIG. 21 is a periodic repetition by operating a gold account opened through the financial account opening system shown in FIG. 12 or 17 based on gold account attribute information and recurring trading condition information stored in the storage medium. After the transaction is achieved or through the information registration system shown in FIG. 1 or FIG. 6, the bank account information previously stored by the customer and the recurring trade condition information registered by the customer are stored in association with each other. The present invention relates to a system configuration for operating the customer-owned gold account based on information to achieve the periodic recurring trading. Those skilled in the art may refer to and / or modify the present invention. It would be possible to infer various implementation methods for the gold account management system for the periodic resale, the present invention is It is made to include all the inferred implementation method, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 21 according to an embodiment of the present invention, the gold account operating system includes a financial system equipped with a ledger corresponding to a gold account opened through the financial account opening system shown in FIG. 12 or 17; A storage medium storing gold account attribute information and recurring trading condition information, and operating the gold account in association with the financial system, and periodically checking the gold account attribute information and recurring trading condition information stored in the storage medium; It is characterized by comprising a gold account management server 2100 to achieve a periodic repeat sales.

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

In addition, the gold account management server 2100 is a ledger server provided in the financial system, or a financial company server on the financial account opening system shown in FIG. 12 or 17, or as shown in FIG. 12 or 17. In order to achieve the above-mentioned recurring trading, or a banking server (e.g., an internet banking server, a wireless banking server, a tele banking server, a home banking server, a TV banking server, etc.) operating the gold account in connection with a financial system. It may be a separate server provided, whereby the present invention is not limited.

In addition, in FIG. 21, the gold account management server 2100 periodically checks the gold account attribute information and the recurring trading condition information stored in the storage medium in connection with the financial system. By including all of the functional configuration to achieve the periodic repetitive sale, by this, the present invention is not limited by this, the gold account management server 2100 is a separate server (or device) for each functional configuration It is clear that this can be achieved through.

The financial system is a general term for a computer system in which a ledger corresponding to the gold account (or a gold account held by a customer) opened through the financial account opening system shown in FIG. 12 or 17 is provided. At least one window terminal provided at a branch (and / or branch) of the financial institution and a predetermined financial network (eg, a branch network), and at least one financial transaction through the window terminal. Provide face-to-face financial transaction services to customers.

Further, the financial system may 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) Characterized in that 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-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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 financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS 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 ) Provide non-face-to-face financial transaction services to at least one financial transaction customer.

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

Referring to FIG. 21, 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.) to access the financial system, and 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). It is characterized in that it is stored in association with.

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

The storage medium is a generic term for storage means for storing the gold account attribute information and recurring trading condition information through the financial account opening system shown in FIG. 12 or 17. The storage medium is the financial medium according to the intention of a person skilled in the art. It may be provided in the ledger D / B on the system, in a predetermined database associated with the ledger D / B, or on at least one banking system.

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

The gold account property setting information may include basic property information such as a gold account type (for example, free withdrawal or savings, etc.) to be opened through the gold account opening application information for opening a gold account with the periodic recurring trade function. Extended attribute information such as a transfer (or withdrawal) limit on the gold account, and at least one financial product attribute information associated with the gold account when the gold account is an account linked to an investmentable financial instrument. It is preferable to make it.

The recurring selling condition information is a recurring selling cycle, a selling price, a buying price, automatic selling amount (g) when the selling price is higher than the selling price (g), which allows the trading of the gold accumulated in the gold account repeatedly. (g) It is preferable to include one or more price criteria (Won / Gold).

Referring to FIG. 21, the gold account management server 2100 may include a recurring sales cycle confirmation unit 2110 (or a verification means) for checking a recurring sales cycle stored in the storage medium, and the recurring sales cycle according to the identified recurring sales cycle. Gold transaction price confirmation unit 2115 (or confirmation means) for confirming the gold transaction price from the financial system, and price comparison unit 2120 for comparing the confirmed gold transaction price and the selling price / purchase price stored in the storage medium (Or a comparison means) and a gold account management unit 2105 for operating the gold account in connection with the financial system based on the gold account property setting information and the recurring sale condition information stored in the storage medium according to the price comparison result. It is characterized in that it is made, and according to the intention of those skilled in the art, the gold account operating unit 2105 is composed of at least two or more functional components (or means) in more detail And to which the present invention is not limited.

The recurring sales cycle confirmation unit 2110 (or the confirmation means) checks the recurring sales cycle included in the repetitive sales condition information stored in the storage medium, wherein the confirmed recurring sales cycle confirms the gold transaction price The unit 2115 and the gold account operating unit 2105 are provided.

Here, the recurring sales cycle may include daily, weekly, monthly, last day, specific day, and the like, but is not limited thereto.

The gold transaction price confirmation unit 2115 (or confirmation means) confirms the gold transaction price from the financial system according to the identified recurring sales cycle, the confirmed gold transaction price is the price comparison unit 2120 ) And gold account management unit (2105).

The price comparison unit 2120 (or comparison means) compares the gold transaction price confirmed through the gold transaction price confirmation unit 2115 with the selling price / purchase price stored in the storage medium. The comparison result is provided to the gold account manager 2105.

For example, as the repetitive selling condition information, when the customer sets the “buy 1g every day if the gold transaction price is less than 30,000 won, and sell 5g every 35,000 won or more”, etc. If the gold transaction price confirmed by the gold transaction price confirmation unit 2115 is 29,000 won, the price comparison unit 2120 is lower than the purchase price (30,000 won) specified by the customer, the gold account management unit 2105 to purchase 1g. To provide a price comparison.

The gold account management unit 2105 is connected to the financial system based on the recurring trade condition information stored in the storage medium and the results provided through the gold transaction price confirmation unit 2115 and the price comparison unit 2120. It is characterized by performing various financial transaction procedures for the gold account.

According to the exemplary embodiment of the present invention, the gold account operating unit 2105 uses the price comparison unit 2120 when the gold transaction price corresponding to the current period is equal to or greater than the selling price set by the customer, and the selling amount set by the customer ( In accordance with g), it is preferable to perform a sell transaction procedure for the gold account in connection with the financial system, and record the sell transaction details in the ledger corresponding to the gold account.

In addition, the gold account management unit 2105 preferably deposits the selling amount into a customer deposit and withdrawal account associated with the gold account.

In addition, when the gold transaction price corresponding to the current cycle is less than the purchase (purchase) price set by the customer through the price comparison unit 2120, the gold account management unit 2105 sets the purchase (purchase) amount set by the customer. According to (g), it is preferable to perform a procedure of accumulating (depositing) the purchased gold into the gold account in connection with the financial system, and recording the purchase transaction details in a ledger corresponding to the gold account. desirable.

In addition, the gold account management unit 2105 periodically checks the amount deposited in the gold account, and calculates the interest (or proceeds) for the deposit amount according to the interest rate (or yield) corresponding to the gold account. And deposit the calculated interest (or proceeds) into the gold account, and record the interest (or proceeds) deposit in the ledger corresponding to the gold account.

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

In addition, the gold account management server 2100 is linked to the gold account in the process of purchasing a predetermined gold when the gold account management unit 2105 is less than the purchase (purchase) price set by the customer It may be configured to further include an account inquiry unit 2125 for querying the deposit and withdrawal transaction account, and inquires whether the purchase price can be paid.

In addition, the gold account management server 2100 is an information that transmits the transaction details to the customer communication means when the recurring gold trading corresponding to the trading condition information set by the customer through the gold account management unit 2105 It may be configured to further include a study (2130).

In addition, when the balance of the deposit and withdrawal transaction account associated with the gold account is insufficient for purchase through the account inquiry unit 2125, the information providing unit 2130 provides the balance shortage to the customer communication means. It features.

Referring to FIG. 21, the gold account operation server 2100 may operate at least one customer terminal and the gold account operation to operate a gold account opened through the financial account opening system shown in FIG. 12 or 17. An interface unit 2135 for connecting a communication channel for receiving; and an information receiver 2140 for receiving predetermined gold account usage information for operating the gold account from the customer terminal in connection with the interface unit 2135; The gold account operating unit 2105 may be formed of at least two or more functional components (or means) according to the intention of the person skilled in the art, and the present invention is not limited thereto.

According to an embodiment of the present invention, when the customer terminal is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 2135 may be connected to the employee terminal based on the protocol stack defined in the communication network. It provides a communication interface connecting a predetermined communication channel and transmitting and receiving at least one information (or data) for operating the employee terminal and the gold account using a communication protocol defined in the financial transaction program provided in the employee terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 2135 may be connected to the customer terminal based on the protocol stack defined in the wired communication network. A communication interface for connecting and transmitting at least one information (or data) for the wired terminal and the gold account using a communication protocol defined in a financial transaction program provided in the customer terminal. It is preferable.

For example, when the customer terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2135 connects the communication channel with the customer terminal based on the TCP / IP protocol. Communication interface for transmitting and receiving a predetermined web page (for example, Hyper-Text Markup Language (HTML) compatible web page) and / or information (or data) for operating the gold account using the HTTP protocol defined in the browser program to provide.

Or, if the customer terminal is provided with a predetermined financial transaction program directly interworking with the gold account management server 2100, the interface unit 2135 establishes a communication channel with the customer terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) for operating the gold account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 2135 may be connected to the customer terminal based on a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface connecting a predetermined communication channel and transmitting and receiving at least one or more information (or data) for operating the gold account using a communication protocol defined in a financial transaction program provided in the customer terminal. .

For example, when the customer terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 2135 may be connected to the customer terminal based on the CDMA / WCDMA protocol. Connecting a communication channel, using a WAP / ME protocol defined in the browser program, a predetermined web page (e.g., a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) for operating the gold account; and / Or it provides an interface for transmitting and receiving information (or data).

Alternatively, when the customer terminal is provided with a predetermined financial transaction program directly interworking with the gold account management server 2100, the interface unit 2135 establishes a communication channel with the customer terminal based on the CDMA / WCDMA protocol. And a communication interface for transmitting and receiving information (or data) for operating the gold account using a communication protocol defined in the financial transaction program.

The information receiving unit 2140 receives the predetermined gold account usage information for operating the gold account from the customer terminal in connection with the interface unit 2135, wherein the received gold account usage information is the gold It is provided to the account manager 2105.

According to the exemplary embodiment of the present invention, the gold account usage information may include information for purchasing a predetermined gold, selling gold (stored in the account), or inquiring gold account usage details. .

The gold account usage information preferably includes customer information and gold account information.

The information checking unit 2145 checks the customer information, the gold account information, the gold purchase request information, the gold selling request information, etc. included in the gold account use information, and the gold account according to the confirmed result. Through the operation unit 2105, a transaction procedure such as gold purchase or gold sale is performed.

22 is a diagram illustrating a process of operating a gold account for periodic recurring trading according to an embodiment of the present invention.

In more detail, in FIG. 22, the repeated sales information is stored after linking and storing the gold account information previously held by the customer and the repeat sales condition information registered by the customer through the information registration system shown in FIG. By operating the customer-owned gold account according to the condition information to achieve the periodic recurring sale, or the gold account attribute stored in the storage medium to the gold account opened through the financial account opening system shown in Figure 12 or 17 Regarding the process of achieving the periodic repeat sales by operating on the basis of the information and repeat sales conditions information, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 22 It would be possible to infer various implementation methods for the gold account operating system for periodic resale, but the present invention is inferred from the above. Is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the following figure 22, the gold account operating server shown in FIG. 21 is referred to as " server " for convenience.

Referring to FIG. 22, a repeat sales process may be started from a process of periodically checking a repeat sales cycle included in the repeat sales condition information stored in a storage medium at a server (2200).

As a result of the check, in the case of the repeat sales cycle registered by the customer in the storage medium (2205), the server checks the current gold transaction price in association with the financial system (2210).

When the gold transaction price is confirmed, the server compares the confirmed gold transaction price with the recurring trade transaction price (eg, selling price, purchase price) included in the repetitive selling condition information stored in the storage medium to determine whether the recurring transaction is possible. (2215)

If a repeat transaction is possible (2220), the server checks whether the repeat transaction is a sell transaction or a purchase transaction (2225), and if it is a sell transaction (for example, the gold transaction price is more than the sell price), After selling and selling the set selling amount (g) of the accumulated gold (2230), depositing the gold selling amount into the deposit and withdrawal transaction account associated with the gold account (2235), and generating the gold account repetitive transaction information (extraction) And transmits it to the terminal (2240).

On the other hand, when the transaction is a purchase transaction (for example, when the gold transaction price is less than the purchase price), the server purchases the purchase amount for purchasing the purchase amount (g) set in the repetitive sale condition information stored in the storage medium, the gold account. It is checked whether it is included in the balance of the deposit and withdrawal account associated with the account (2245).

If the purchase amount can be purchased with the balance of the deposit and withdrawal transaction account (2250), the server processes the purchase price through the deposit and withdrawal transaction account, and then accumulates the purchased gold into the gold account (2255). .

Thereafter, the server generates (extracts) the gold account repetitive transaction information and transmits it to the terminal (2240).

According to the present invention, it is possible to increase customer satisfaction by providing an effective means of re-technology according to the expansion of gold price volatility.

In addition, by increasing the volume of gold commodity trading, there is an advantage that can increase the non-interest income spread.

In addition, bank procurement costs can be reduced by attracting low-cost deposits (savings / regular deposits) for gold resale.

Claims (4)

Customer's gold trading account information and repetitive selling service application information-recurring selling cycle, selling price, buying price, automatic selling amount when selling price is higher than (g), automatic buying quantity under buying price (g), price basis (won / gold)- Associating and storing the data in a storage medium; Confirming (or receiving) a current gold transaction price in connection with a financial system when the recurring trading cycle set by the customer is reached; Comparing the checked (or received) current gold transaction price with a purchase price set by the customer or less than a purchase price set by the customer; And If the current gold transaction price is more than the selling price set by the customer, if the current gold transaction price is less than the purchase price set by the customer to sell as much as the selling amount (g) set by the customer, the customer Purchasing processing by the set purchase amount (g); Gold trading account operating method using a repetitive trading comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Customer's gold trading account information and repetitive selling service application information-recurring selling cycle, selling price, buying price, automatic selling amount when selling price is higher than (g), automatic buying quantity under buying price (g), price basis (won / gold)- Information registration means for cooperatively processing and storing the information in a storage medium; Repeat sales cycle checking means for periodically checking whether the repeat sales cycle stored in the storage medium is reached; Gold price checking means for checking (or receiving) a current gold transaction price in association with a financial system when the recurring trading cycle is reached; Price comparison means for comparing whether the current gold transaction price (or received) that is confirmed (or received) is equal to or greater than the selling price set by the customer or less than the buying price (purchasing price) set by the customer; And If the current gold transaction price is more than the selling price set by the customer, if the current gold transaction price is less than the purchase price set by the customer to sell as much as the selling amount (g) set by the customer, the customer Gold account management system using a repetitive trading, characterized in that comprises ;; The method of claim 3, The gold account operating means, at the time of the selling process, deposits the selling amount into a customer deposit and withdrawal account associated with the gold trading account, or at the purchase process, whether the purchase amount (g) set by the customer can be purchased. Gold trading account management system using recurring trading, characterized in that the purchase processing in accordance with the balance inquiry result of the customer deposit and withdrawal account associated with the gold transaction account.

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