KR20100045070A - System and method for providing option additional service based on life cycle by complex account and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for providing an option additional service based on a life cycle by a complex account and a recording medium therefor are provided to suggest various option additional services according the life cycle of a customer, thereby providing a necessary financial product. CONSTITUTION: Life cycle locations of a customer is identified(610). One or more option additional service information is identified according to each life cycle location(620). Option additional service ledger information corresponding to one or more option additional service information to be provided is generated. Each option additional service ledger matched with the option additional service ledger information is generated. The option additional service ledger information is recorded in each option additional service ledger.

Description

System and Method for Providing Option Additional Service based on Life Cycle by Complex Account and Recording Medium}

1 is a diagram illustrating a financial account opening system corresponding to a non-face-to-face transaction composite account according to an embodiment of the present invention.

2 is a diagram illustrating a ledger system corresponding to a non-face-to-face transaction composite account according to an embodiment of the present invention.

3 is a diagram illustrating a process for applying for opening a multiple account for a non-face-to-face transaction according to an embodiment of the present invention.

4A and 4B are diagrams illustrating a process of opening a compound account for non-face-to-face transactions according to an embodiment of the present invention.

5 is a diagram illustrating an asset management system for providing financial benefits required according to a customer life cycle according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of confirming a life cycle for providing necessary financial benefits according to a customer life cycle according to an embodiment of the present invention.

7 is a diagram illustrating a multi-account operation process for providing financial benefits required according to a customer life cycle according to an embodiment of the present invention.

8 is a diagram illustrating a multi-account operation process of deleting an optional additional service ledger (or maintaining optional additional service ledger information) according to an embodiment of the present invention.

<Description of main parts of drawing>

100: open account server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: ledger information generation unit

130: ledger generation unit 135: information storage unit

140: additional service check unit 145: additional service ledger information generation unit

150: additional service ledger generation unit 155: additional service storage unit

160: add / delete the ledger additional service 165: log information storage unit

170: electronic document generation unit 173: electronic document transmission unit

175: electronic document server 180: electronic document receiving unit

183: information generating unit 185: electronic document storage unit

190: Electronic document D / B 193: Ledger system

195: client terminal

The present invention includes the steps of checking the lifecycle information including one or more age information, revenue information, marriage information, childbirth information of the customer, and confirming the lifecycle location of the customer based on the identified lifecycle information, and Identifying one or more optional additional service information for each lifecycle location that can be provided corresponding to the identified lifecycle location; and adding one or more options to be provided through the composite account held by the customer among the identified one or more optional additional service information. Identifying service information, generating option supplementary service ledger information corresponding to each of the one or more optional supplementary service information to be provided, and generating each optional supplementary service ledger matching the generated one or more optional supplementary service ledger information. Create one or more optional supplementary services Life cycle-based through the composite account comprising the step of recording the optional additional service ledger information in each of the ledger, and the step of mounting one or more optional additional service ledger in which the optional additional service ledger information is recorded in the composite account of the customer It relates to a method of providing an optional additional service.

The conventional financial system in all financial sectors is designed to deposit funds (or value) by making a database of past ledgers in the past and to handle financial transactions requested by customers similar to the past ledgers. At least one new financial account must be opened, and the opened financial account is maintained until the financial account is closed.

For example, in the case of a financial system provided in the conventional financial sector, after the customer opens a demand account, in order to accumulate a savings account, a new accumulation account is opened separately from the demand account, or the new account is canceled and the new account is canceled. You must open a savings account.

Alternatively, in the case of the financial system provided in the conventional financial sector, in order to change the taxable demand account into a non-taxable demand account after the customer opens a taxable demand account, the customer first cancels the taxable demand account and preempts non-taxation. You must open a new required demand account.

However, the financial system provided in the conventional financial sector as described above, the production and purchase costs range from at least billions to billions, and the maintenance cost also includes a problem that requires a minimum budget of at least billions of dollars each year. This includes the inconvenience that customers must visit a financial institution to open a new account after face-to-face authentication.

An object of the present invention for solving the above problems, to check the lifecycle information including one or more of the customer age information, revenue information, marriage information, childbirth information, based on the lifecycle information identified above of the customer Means for confirming a lifecycle location, means for confirming one or more optional additional service information for each lifecycle location that can be provided corresponding to the identified lifecycle location, and among the identified one or more optional additional service information. Means for identifying one or more optional supplementary service information to be provided through a composite account and generating optional supplementary service ledger information corresponding to each of the one or more optional supplementary service information to be provided; and the generated one or more optional supplementary service ledger information. Create each optional supplementary ledger matching Means for recording the optional additional service ledger information in each of the one or more optional additional service ledgers previously generated; and means for mounting the one or more optional additional service ledgers in which the optional additional service ledger information is recorded in the combined account of the customer. It is to provide a life cycle based optional additional service providing system through a compound account.

Life cycle-based optional additional service providing method through a composite account according to the present invention, the life cycle information including one or more age information, revenue information, marriage information, childbirth information of the customer is confirmed, and the identified lifecycle information Confirming the lifecycle location of the customer based on the at least one option additional service information for each lifecycle location that can be provided corresponding to the identified lifecycle location; Identifying one or more optional additional service information to be provided through the composite account held by the customer, and generating optional additional service ledger information corresponding to each of the one or more optional additional service information to be provided; Each option matching the above option supplementary service ledger information Generating an optional supplementary service ledger, recording the optional supplementary service ledger information in each of the generated one or more optional supplementary service ledgers, and combining one or more optional supplementary service ledgers in which the optional supplementary service ledger information is recorded. Characterized in that the step of mounting in the account.

According to the present invention, a method for providing a lifecycle-based optional additional service through a composite account may include generating additional service ledger log information including an additional history of at least one optional additional service ledger mounted in a composite account held by the customer. And storing the generated supplementary service ledger log information in the supplementary service management ledger.

According to an embodiment of the present invention, a method for providing a lifecycle-based optional additional service through a composite account further includes notifying, through the communication means of the customer, one or more optional additional service additional details mounted on the composite account held by the customer. It is characterized by.

In the method of providing a lifecycle-based optional additional service through a compound account according to the present invention, the step of identifying one or more optional additional service information for each lifecycle location that can be provided corresponding to the identified lifecycle location may be provided. And providing the customer with at least one optional additional service information for each lifecycle location to obtain approval of whether the provided optional additional service is applied.

In the method for providing a lifecycle-based optional additional service through the composite account according to the present invention, among the one or more optional additional services provided to the customer, the option additional service information for each lifecycle location cannot be provided, and the identified impossible service cannot be provided. And processing the optional additional service ledger to be removed from the multiple account ledger held by the customer.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the lifecycle-based optional additional service providing method through the above-described composite account.

On the other hand, the lifecycle-based optional additional service providing system through a composite account according to the present invention, confirms the lifecycle information including one or more age information, revenue information, marriage information, childbirth information of the customer, the confirmed lifecycle Means for confirming the lifecycle location of the customer based on the information, means for confirming one or more optional supplementary service information for each lifecycle location that can be provided corresponding to the identified lifecycle location, and the one or more identified options. Means for identifying one or more optional additional service information to be provided through the composite account held by the customer among the additional service information, and generating optional additional service ledger information corresponding to each of the one or more optional additional service information to be provided; Matching one or more optional supplementary ledger information Means for generating each optional supplementary service ledger, recording the optional supplementary service ledger information in each of the generated one or more optional supplementary service ledgers, and one or more optional supplementary service ledgers in which the optional supplementary service ledger information is recorded. It characterized in that it comprises a means for mounting in a compound account of.

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

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

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating a financial account opening system corresponding to a non-face-to-face transaction composite account according to an embodiment of the present invention.

In more detail, Figure 1 includes a non-face-to-face transaction function that includes one or more required payments, earning, deferred, reselling, mileage / coupons, and small loans in a single account ledger, interest rate adjustment, tax, It is a system for opening a non-face-to-face complex account that provides fee adjustment, payment support, billing / receipt, and record information expansion through the additional service ledger that is detached from the compound account ledger. If you provide an account opening request information (hereinafter referred to as a financial institution) with account opening request information including one or more customer information, account setting information, loan setting information, and non-face-to-face authentication information through a non-real name financial account opening interface, And a system for opening a non-nameless face-to-face transaction account in the financial institution based on the account opening request information. The configuration is shown.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer various implementation methods for the configuration of a financial account opening system corresponding to the non-face-to-face transaction complex account. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, in order to open a non-face-to-face non-face-to-face transaction account, a terminal device providing account opening request information including one or more of the customer information, account setting information, loan setting information, and non-face-to-face authentication information to a financial institution. It is by no means limited to the client terminal 195, an automatic teller machine (ATM) and a cash dispenser provided in the financial institution (or another financial institution affiliated with the financial institution) according to the intention of the skilled person. (Cash Dispenser; CD) including at least one (Cash Dispenser), a call connected to a wired telephone network such as Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network It may further include a terminal (not shown), a mobile terminal connected to the financial institution, a call terminal (not shown) connected to a wireless telephone network such as a wireless VoIP network. Was, the invention bayida place apparently found that it is possible to open a composite accounts for the non-face-to-face transaction through any terminal device capable of the inference.

In addition, according to the implementation method shown in FIG. 1, the account opening electronic document for opening the non-face-to-face transaction composite account is illustrated as being generated on the server side on the financial account opening system. The account opening electronic document is not limited thereto, and the account opening electronic document may be generated at the terminal side that inputs (or selects) the account opening request information (for example, the electronic document generation function provided at the server side is provided to the terminal side). To generate the account opening electronic document), by which the present invention is not limited.

Hereinafter, one or more means for opening the composite account for non-face-to-face transactions by receiving the account opening request information from the customer through a non-face-to-face / non-real name type financial account opening interface on the financial account opening system shown in FIG. The component corresponding to the functional configuration is referred to as "account opening server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a financial account opening system corresponding to the non-face-to-face transaction composite account includes a client terminal 195 including one or more wired or wireless terminals used by a customer. The client terminal 195 is connected to an account opening server 100 provided on the financial account opening system through a communication network including at least one wired or wireless communication network.

According to an embodiment of the present invention, the customer connects to the account opening server 100 through one or more client terminals 195 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, and the account opening server. Entering (or selecting) account opening request information for opening a non-face-to-face compound account through one or more compound account opening user interfaces provided by 100, the client terminal 195 receives the financial information through a communication network. It is preferable to transmit to the account opening server 100 provided on the account opening system.

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

The wireless terminal connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) / WCDMA / GSM-based mobile communication network, all terminal devices connected to a high-speed downlink packet access (HSDPA) -based wireless communication network, and IEEE. As a generic term for all terminal devices connected to the 802.16x-based portable Internet and all terminal devices connected to the IEEE 802.11x-based WLAN, a personal communication system (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network; Global System for Mobile communications (GSM) terminals, Personal Digital Cellular (PDC) terminals, Personal Handyphone System (PHS) terminals, Personal Digital Assistants (PDAs), Smart Phones, Telematics ( Or a wireless data communication terminal connected to an HSDPA-based wireless data network, or the IEEE 802.16x-based portable device. The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to it is preferred comprising one or more than one.

In addition, the account opening server 100 is connected to the client terminal 195 among the Internet banking server, wireless banking server, tele-banking server, TV banking server for a composite account according to the characteristics of the client terminal 195 and the communication network characteristics Either one, or preferably comprises a separate web server for opening the non-face-to-face complex account.

In addition, the communication network connecting the client terminal 195 and the account opening server 100 may include a CDMA / WCDMA / GSM-based mobile communication network, an HSDPA-based wireless data communication network, according to a type of a wireless communication network to which the client terminal 195 is connected. The IEEE 802.16x-based portable Internet, the IEEE 802.11x-based wireless LAN, or any one of the proposed wireless communication network including the future it is preferable to include a wireless interval.

In addition, the client terminal 195 outputs one or more user accounts for opening a compound account provided by the account opening server 100, and inputs (or selects) one or more information through the user interface to open the account opening server. It is preferable that a function configuration (for example, a browser program and communication function, or a program and communication function communicating with the account opening server 100, etc.) for transmission to the 100 be provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 195 corresponding to one or more wired terminals or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial account opening system as described above, one or more client terminals 195 including one or more wired or wireless terminals used by the customer, and one or more connecting the client terminal 195 and the account opening server 100 are provided. The wired communication network or the wireless communication network performs a function of a non-face-to-face and non-real name financial account opening interface for the customer to register account opening request information for opening the non-face-to-face complex account.

The account opening server 100 provided on the financial account opening system according to the present invention is a generic term for components of the financial account opening system connected to the client terminal 195 through a communication network, and includes one or more servers (or devices). It may be implemented, including, or may be implemented in one or more programs recorded on a recording medium provided in the server (or device), thereby making it clear that the present invention is not limited.

According to an embodiment of the present invention, the account opening server 100 is a web server provided with a financial institution to which the client terminal 195 is connected, a program provided in the web server, or the web server. It is preferable to include a server (or apparatus) on the ledger system 193 accessible through the web server or the ledger system 193 accessible through the web server, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the account opening server 100 may be a non-face-to-face transaction server to which a customer opening the non-face-to-face transaction complex account is connected through the client terminal 195, or the non-face-to-face. Or a server (or device) on the ledger system 193 accessible through the non-face-to-face transaction server, or a program included in the transaction server, or accessible through the non-face-to-face transaction server. Preferably, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the account opening server 100 is an information registration server connectable to a financial automatic device or a call terminal, in addition to the client terminal 195, or provided in the information registration server. It is preferable to include a server (or device) on the ledger system 193 which is a program or accessible through the information registration server, or accessible through the information registration server. This is not limited.

According to the embodiment of the present invention, the account opening server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a communication channel with the client terminal 195 through the communication network.

According to an embodiment of the present invention, when the client terminal 195 is a wired terminal connected to a wired communication network, the interface unit 105 communicates with the client terminal 195 based on a protocol stack defined in the wired communication network. It is preferable to provide a communication interface for connecting channels and transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program included in the client terminal 195.

For example, when the client terminal 195 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 is connected to the client terminal 195 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (for example, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 195 is provided with a communication program (eg, a non-face-to-face banking program) provided by the account opening server 100, the interface unit 105 is based on the TCP / IP protocol. It connects the client terminal 195 and the 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 client terminal 195 is a wireless terminal connected to a wireless communication network, the interface unit 105 may be connected to the client terminal 195 based on a protocol stack defined in the wireless communication network. It is preferable to connect a communication channel and provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program included in the client terminal 195.

For example, when the client terminal 195 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 105 is based on the CDMA protocol. ) And a communication interface for transmitting / receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. to provide.

Alternatively, when the client terminal 195 is provided with a communication program (eg, a VM-based banking program or an IC chip-based banking program) provided by the account opening server 100, the interface unit 105 It connects a communication channel with the client terminal 195 based on the CDMA protocol, 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 client terminal 195 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting a call terminal (not shown) and a call path based on a voice call protocol and transmitting and receiving information (or data) based on the voice call.

For example, the interface unit 105 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. .

Referring to FIG. 1, when the client terminal 195 connects a communication channel through the interface unit 105, the account opening server 100 sets up the client terminal for opening the composite account for the non-face-to-face transaction. Input (or select) the account opening request information at 195 to generate (or extract) one or more compound account opening user interface for transmitting to the account opening server 100, and the interface unit 105 and An interface providing unit 110 (or an interface providing unit) for providing the generated user interface for creating the combined account to the client terminal 195 in association with the combined terminal in the client terminal 195; When the account opening request information is input (or selected) through the opening user interface and is transmitted, the client is connected with the interface unit 105. And an information receiving unit 115 (or an information receiving means) for receiving the account opening request information transmitted from the terminal 195.

The interface providing unit 110 after the client terminal 195 connects the communication channel with the account opening server 100 through the interface unit 105, the non-face-to-face transaction with the account opening server 100 When requesting a user interface for opening a compound account for the user, the client terminal 195 inputs (or selects) account opening request information and opens one or more compound accounts for transmitting to the account opening server 100 through the communication network. A user interface for generating a user interface, or extracting from a database (not shown), and interworking with the interface unit 105, the user interface for creating a multi-account opened to the client terminal 195 through the communication network. It is characterized by providing.

According to an embodiment of the present invention, when the client terminal 195 is a wired terminal connected to a wired communication network, the interface providing unit 110 may be provided as a browser program or a communication program provided in the client terminal 195. It is preferable to generate (or extract) a user interface for opening a compound account and provide the generated (or extracted) user interface to the client terminal 195 through the interface unit 105.

According to another exemplary embodiment of the present invention, when the client terminal 195 is a wireless terminal connected to a wireless communication network, the interface providing unit 110 is provided as a browser program or a communication program provided in the client terminal 195. It is preferable to generate (or extract) a user interface for opening a compound account, and provide the generated (or extracted) user interface to the client terminal 195 through the interface unit 105.

According to another exemplary embodiment of the present invention, when the client terminal 195 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 is connected to the call terminal (not shown). Generate (or extract) a user interface (eg, a voicement based user interface or a graphic user interface that can be output through a screen output means provided in the call terminal) that can provide a compound account, and the interface unit 105. It is preferable to provide the generated (or extracted) user interface to the call terminal (not shown) through.

According to another embodiment of the present invention, a program having one or more user interfaces for inputting (or selecting) the account opening request information to the client terminal 195 and transmitting the account opening request information to the account opening server 100 through the communication network. In this case, the interface providing unit 110 that generates (or extracts) the user account for opening the composite account and provides the client terminal 195 may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal 195 inputs (or selects) account opening request information including one or more of the customer information, account setting information, loan setting information, and non-face-to-face authentication information through the user interface for opening the composite account. And transmits the input (or selected) account opening request information to the account opening server 100 through the communication network. In response, the information receiving unit 115 cooperates with the interface unit 105 to provide the client terminal. And receiving the account opening request information transmitted from 195.

According to an embodiment of the present invention, the client terminal 195 is a non-face-to-face authentication procedure (for example, provided in the account opening server 100) to transmit the account opening request information to the account opening server 100 (for example, It is preferable to perform ID / PW registration, issuance / reissue of a certificate, or registration of another certificate, whereby the account opening request information is confidentiality, authentication, and integrity in accordance with the non-face-to-face authentication procedure. And encryption / decryption or digital signature attachment that satisfy the characteristics of nonrepudiation.

Those skilled in the art will be familiar with the technical features of the various encryption schemes for encrypting the account opening request information and the technical features for attaching the electronic signature to the account opening request information. Therefore, detailed description thereof will be omitted for convenience.

Here, the customer information included in the account opening request information, personal information of the customer requesting to open the non-face-to-face complex account (for example, the name of the customer, social security number, address, telephone number, mobile phone number, e-mail address, etc.) ) And one or more member information of the customer (eg, ID / PW information assigned to the customer by joining the customer as a financial transaction customer of the financial institution).

The account setting information included in the account opening request information includes basic setting information for the non-face-to-face complex account, interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, and record information expansion of the compound account. It is preferable to include at least one additional service setting information for.

Here, the basic setting information of the account setting information includes account setting information for generating financial account information for the non-face-to-face compounded account, and request setting information for setting transaction attributes of the non-face-to-face compounded account. , Earning type setting information, deferred type setting information, resale-linked setting information, mileage / coupon setting information for providing mileage / coupon through the non-face-to-face complex account, and within a predetermined small range without credit / collateral confirmation It is desirable to include one or more small loan setting information for approving the loan without a loan review.

The account setting information included in the basic setting information of the account setting information generates an account number corresponding to the financial account information for the non-face-to-face compounded account, and the financial institution number corresponding to the non-face-to-face compounded account. (Or a code), it is preferable that the information is assigned to an account alias and to include information for issuing an account link card.

The required payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) a required payment transaction attribute in the non-face-to-face complex account. And information for setting (or activating) the earned transaction attribute in the face-to-face transaction complex account, and the deferred setting information includes information for setting (or activating) the deferred transaction attribute in the non-face-to-face complex account. Preferably, the resale association setting information includes information for setting (or activating) a resale association transaction attribute (eg, an investment product connection attribute) in the non-face-to-face complex account.

According to the method of the present invention, the non-face-to-face complex account is preferably made by including one or more of the transaction attributes (eg, the union of multiple transaction attributes) among the required attribute, the accumulated attribute, the deferred attribute, and the resale associated attribute. .

In addition, the microlending setting information included in the basic setting information of the account setting information is within a predetermined small amount range without confirmation of credit / securities according to the customer's request (or a predetermined loan policy) with respect to the non-face-to-face complex account. It is desirable to include information to approve the loan without a separate loan screening.

According to an exemplary embodiment of the present invention, at the time of non-face-to-face non-face-to-face transaction combination account opening among the basic setting information of the account setting information, one of the demand setting information, earning setting information, deferred setting information, and mileage / coupon setting information At least one setting information set by the customer and not set at the time of opening the account among the required setting information, the earning setting information, the deferred setting information and the mileage / coupon setting information may be used in the process of using the non-face-to-face compound account. Preferably, it is set manually by a customer (or automatically by a financial institution policy), and among the basic setting information of the account setting information, the resale association setting information and the micro loan setting information may be used for the non-face-to-face transaction account. After real name verification, manually by the customer (or automatically by financial institution policy) To be set is preferably a).

According to another exemplary embodiment of the present invention, at the time of establishing a non-real-name non-face-to-face transaction complex account among the basic setting information of the account setting information, the required setting information, earning type setting information, deferred setting information and mileage / coupon setting information It is preferable that at least one of the financial institution policies is set automatically. In this case, among the basic setting information of the account setting information, demand setting information, earning setting information, deferred setting information and mileage / coupon setting information can be omitted. However, one or more setting information, which is not set at the time of opening the account, among the required setting information, earning setting information, deferred setting information, and mileage / coupon setting information may be manually set by the customer in the process of using the non-face-to-face complex account. (Or automatically by a financial institution policy), and the resale-linked setting information and the microloan setting information among the basic setting information of the account setting information may be set after the real name confirmation of the non-face-to-face complex account. Is preferably set manually (or automatically by financial institution policy).

According to another exemplary embodiment of the present invention, at the time of opening a non-nameless non-face-to-face transaction complex account among basic setting information of the account setting information, among the request setting information, earning type setting information, deferred setting information, and mileage / coupon setting information It is preferable that at least one is set manually by a customer (or automatically by a financial institution policy), and not set at the time of opening the account among the demand setting information, earning setting information, deferred setting information and mileage / coupon setting information. It is preferable that the one or more setting information, the resale association setting information, and the microloan setting information are set manually by the customer (or automatically by a financial institution policy) after confirming the real name of the non-face-to-face double balance. Do.

In addition, the additional service setting information of the account setting information, interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, billing support additional service setting information, billing for the non-face-to-face complex account It is preferable to include one or more additional service setting information of the storage / additional service setting information, record information extension additional service setting information.

The interest rate adjustment additional service setting information included in the additional service setting information of the account setting information may be used to add / reduce the interest rate for the non-face-to-face compound account without adding or canceling an account (for example, between the customer and the financial institution). Add interest rates or discount interest rates during the terms of the agreement), add / reduce promotion rates (eg, add interest rates by promotion of financial institutions (or affiliated institutions) or discount interest rates), or rejoin Long term interest rate additions / discounts (e.g., reinstatement of a customer, or long-term account retention, or additional interest rates or discounted credit rates); cumulative mileage additions / discounts (e.g. in financial institutions (or affiliates)) It may include information that adds one or more interest rates or discounts credit rates based on the accumulated miles earned. It is.

The tax additional service setting information included in the additional service setting information of the account setting information may be taxed / non-taxed for a specific period of time (eg, a contract period) for the non-face-to-face complex account without a new account / cancellation. , Taxable / nontaxable for one or more transactional attributes included in the non-face-to-face transaction composite account or the non-face-to-face transaction composite account.

The fee adjustment additional service setting information included in the additional service setting information of the account setting information is for a specific period (for example, a contract period or a promotion period, etc.) for the non-face-to-face complex account without a separate account new / cancellation. Fee reduction (e.g., fee reduction by agreement between customer and financial institution), fee reduction by promotion (e.g., fee reduction by customer's inclusion (or subscription) in the promotion of financial institution (or affiliate)), fee It is preferred to include information for setting one or more coupon exchange (eg, fee reduction through a fee reduction coupon provided by a financial institution (or affiliated agency) or purchased by a customer).

The payment support additional service setting information included in the additional service setting information of the account setting information may be account transfer payment through the non-face-to-face transaction complex account, or card payment processing through a card associated with the non-face-to-face transaction complex account. City, mileage accumulation according to the payment processing (for example, mileage accumulation provided by a financial institution (or affiliated agency) in response to payment processing), fund support (for example, fund operator (national agency / local device organization operating welfare fund) , The insurance company that manages the benefits, the pension manager who manages the pension, etc., approves some (or all) of the payment authorizations through the funds provided to the customer, and the payment fee reduction (e.g., Promotion, or payment fee reduction based on payment attributes), discount coupon exchange through mileage (e.g. discount mileage over preset criteria) Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the affiliate service provider of the specific partners.

The billing / storage additional service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face transaction account without a new account / cancellation (for example, the one or more billing institutions (= A medium for storing billing information charged to a non-face-to-face compound account for a certain period of time), providing a disposable storage account (eg, billing to the customer (= name of a non-face-to-face compound account) at one or more billing institutions). Providing a one-time account created to receive a single charge), a virtual account for deposit account classification (e.g., storing charges charged to the customer (= name of a non-face-to-face combined account) by one or more billing institutions) Virtual accounts for each billing institution), automatic payment (e.g., direct debit of billing institution), electronic bill payment management (e.g. The ever paid billing agency specific charge through the electronic bill charged), escrow (Escrow) (e. G., Be made of, including information set up at least one intermediate account) it is preferable to pay the charge by charge engine.

The record information extension additional service setting information included in the additional service setting information of the account setting information may be recorded as an additional information record for the merchant (or SOHO) in the non-face-to-face complex account without a new account / termination. For example, deposit details of merchants' accounts (or SOHO's) into one or more criteria, record deposits automatically (e.g., receivables loans), deposit amount classification / aggregation (e.g., non-face-to-face) Classifying and counting the amount of money deposited into a trading account according to one or more criteria), including information for setting one or more information on deposit and withdrawal information (e.g., deposit history information or withdrawal history information for a non-face-to-face transaction account). It is preferable to make.

According to an exemplary embodiment of the present invention, at the time of opening a non-real name non-face-to-face transaction composite account among the additional service setting information of the account setting information, the interest rate adjustment additional service setting information, tax additional service setting information, and fee adjustment additional service setting information Preferably, at least one of payment support additional service setting information, billing / storage additional service setting information, and record information extension additional service setting information is set manually by a customer (or automatically by a financial institution policy). The adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, payment support additional service setting information, billing / receiving additional service setting information, and record information extension additional service setting information are not set at the time of opening the account. One or more pieces of setting information may be It is preferable that the transaction process is set up manually (or automatically by financial institution policy) by the customer (or after confirming the real name of the non-face-to-face complex account).

Those skilled in the art to which the present invention pertains, the above-described interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, payment support additional service setting information, billing / storing additional service setting In addition to the information and record information extension additional service setting information, one or more other additional service setting information may be inferred, and it will be apparent that the present invention includes all the inferable additional service setting information.

The loan setting information included in the account opening request information may be used in a non-face-to-face manner without a separate face-to-face confirmation (eg, a customer visits a financial institution and face-to-face authentication through an identification card) for the non-face-to-face complex account. Credit loan setting information for application, examination, and approval, and collateral loan for the non-face-to-face complex account in a non-face-to-face manner without a separate face-to-face confirmation (for example, when a customer visits a financial institution and face-to-face authentication through ID) It is desirable to include one or more sets of mortgage loan information for application, review and approval.

Here, the credit loan setting information, when the non-face-to-face non-face-to-face composite account is opened, when the real name of the non-face-to-face composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name Based on the confirmation, the information is applied to apply for the credit in a non-face-to-face manner without face-to-face confirmation with the customer, and in response to setting the financial institution to examine and approve the credit loan application, credit loan authentication information (eg, credit) Password for the loan application).

The mortgage loan setting information is, when a non-face-to-face non-face-to-face transaction composite account is opened, and the real name of the non-face-to-face transaction composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name verification is confirmed. Based on the non-face-to-face application for collateral loans without face-to-face confirmation for the customer, and in response to setting the financial institution to examine and approve the secured loan application, collateral loan authentication information (eg, collateral loan application) It is preferable to include a password for).

According to the exemplary embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of the person skilled in the art, and in this case, the loan setting information may be used in the process of using the composite account for the non-face-to-face transaction (or the non-face-to-face transaction). After confirmation of the real name for the composite account for the account, it is preferable that the customer is set manually (or automatically by the financial institution policy).

The non-face-to-face authentication information included in the account opening request information may be used to authenticate the validity of the customer who opens a compound account for non-face-to-face transaction through a communication network in a non-real name state (= real name unidentified state through face-to-face confirmation), and to verify the validity of the account opening. As information for, the ID / PW-based authentication information and the authentication certificate-based authentication information includes one or more, according to the intention of those skilled in the art, the account opening password registered in the non-face-to-face authentication process provided in the account opening server 100 further It is preferable to comprise.

According to the embodiment of the present invention, the non-face-to-face authentication information may be omitted in the account opening request information according to the intention of the person skilled in the art, and the present invention is not limited thereto.

Referring to FIG. 1, when the account opening request information is received through the information receiving unit 115, the account opening server 100 receives the account opening request information for opening a non-face-to-face complex account. Characterized in that it comprises a validating unit 120 (or validating means) for checking whether the validity is satisfied.

According to an embodiment of the present invention, when the account opening request information is encrypted according to an encryption / decryption method, the validity confirming unit 120 decrypts the account opening request information according to the encryption / decryption method, thereby making the account. It is preferable to confirm whether the opening request information satisfies the validity for opening the non-face-to-face compound account.

Alternatively, when the electronic signature is attached to the account opening request information, the validity confirming unit 120 checks the electronic signature attached to the account opening request information, so that the account opening request information is the non-face-to-face transaction account. It is desirable to verify that the validity for the establishment is met.

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

According to an embodiment of the present invention, the validation of the open account for non-face-to-face compound account opening through the account opening request information may include one or more ledgers that match the account opening request information in the ledger system 193 associated with the financial account opening system. It is preferable to include checking whether this is already registered.

For example, the confirmation of the validity of opening a multiple account for non-face-to-face transactions using the account opening request information may include: customer information (customer personal information, member information, etc.) included in the account opening request information linked to the financial account opening system. And checking whether the account ledger matching information with the account opening request information is not registered in the ledger system 193. It is preferable to check whether the validity for opening the non-face-to-face composite account is satisfied.

When the non-face-to-face authentication information is included in the account opening request information according to an embodiment of the present invention, the validation of the open account for the non-face-to-face transaction through the account opening request information further includes authenticating the non-face-to-face authentication information. It is preferable to make it.

Referring to FIG. 1, the account opening server 100 is included in the account opening request information when the validity of the open account for non-face-to-face transaction through the account opening request information is verified through the validity checking unit 120. Generate the customer ledger information for the financial account corresponding to the non-face-to-face complex account based on the customer information, and composite the financial account corresponding to the non-face-to-face complex account based on the account setting information. A ledger information generation unit 183 (or ledger information generating means) for generating account ledger information and generating loan ledger information for the non-face-to-face complex account based on the loan setting information; On the ledger system 193, which operates a ledger for a compound account, a customer ledger and a compound account ledger corresponding to a financial account corresponding to the non-face-to-face compound account; A ledger generation unit 130 for generating a loan ledger (or ledger generation means), the customer ledger information is stored in the customer ledger, the compound account ledger information is stored in the compound account ledger, and the loan ledger An information storage unit 135 (or information storage means) for storing the loan ledger information, and an additional service checking unit for checking whether one or more additional service setting information is included in the account setting information included in the account opening request information; 140 (or additional service checking means) and the additional service ledger information generating unit 145 (or additionally) generating one or more additional service ledger information corresponding to the identified additional service setting information when the additional service setting information is checked. Service ledger information generating means) and the ledger to customer source on the ledger system 193 for operating the ledger for the non-face-to-face composite account Additional service ledger generation unit 150 (or additional service ledger generating means) for generating one or more additional service ledgers associated with the additional service ledger and storing additional service ledger information in the generated one or more additional service ledgers. A unit 155 (or additional service storage means) is characterized in that it is made.

When the validity confirming unit 120 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the ledger information generating unit 183 is based on the customer information included in the account opening request information. And to generate customer ledger information to be stored in the customer ledger for the financial account corresponding to the non-face-to-face complex account.

Here, the customer ledger information, personal information of the customer included in the customer information of the account opening request information (for example, customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and member information (for example, Member ID information), and a customer number (eg, a Customer Information File (CIF), etc.) to be assigned to the customer.

In addition, the ledger information generating unit 183 is based on the basic setting information of the account setting information included in the account opening request information, the basic account ledger information for the financial account corresponding to the non-face-to-face complex account, request payment It is characterized in that the composite account ledger information including one or more ledger information, earned ledger information, deferred ledger information, resale linked ledger information, mileage / coupon ledger information, microloan ledger information.

Here, the basic account ledger information, the account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= Card including a representative account number), and the financial institution number (or code) corresponding to the non-face-to-face transaction composite account and one or more account aliases, and the card associated with the non-face-to-face transaction composite account. If is issued, it is preferable that the card further comprises the card information corresponding to the account-linked card.

The request ledger information includes request property information of the non-face-to-face complex account set through the request setting information among basic setting information of the account setting information included in the account opening request information, and through the request setting information It is preferable that the generated required account number (= required account number of the non-face-to-face transaction complex account) is further included, and preferably further comprises the required amount of money information set to the initial value '0'.

The earned meal ledger information, including the earned food attribute information of the non-face-to-face complex account set through the earned food setting information of the basic setting information of the account setting information included in the account opening request information, and through the earned food setting information It is preferable to further include the generated earning account number (= earning subaccount number of the non-face-to-face complex account), it is preferable to further comprise the earning amount information set to the initial value '0'.

The deferred ledger information includes deferred attribute information of the non-face-to-face complex account set through deferred setup information among basic setup information of account setup information included in the account opening request information, and through the deferred setup information It is preferable to further include the generated deferred account number (= deferred sub-account number of the non-face-to-face complex account), and preferably further comprises deferred amount information set to the initial value '0'.

The resale linked ledger information includes resale associated attribute information of the non-face-to-face complex account set through resale association setting information among basic setting information of account setting information included in the account opening request information. It is preferable that the resale linked account number generated through the setting information (= resale linked sub-account number of the non-face-to-face complex account) further comprises a resale-linked amount information set to the initial value '0' It is preferable to make.

The mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face complex account set through mileage / coupon setting information among basic setting information of account setting information included in the account opening request information. Preferably, the mileage / coupon account number generated through the mileage / coupon setting information (= value sub account number for mileage / coupon operation of the non-face-to-face combined account) is further included. It is desirable to further comprise mileage / coupon value information set to '.

The microloan ledger information includes microloan attribute information of the non-face-to-face complex account set through microloan setting information among the basic setting information of the account setting information included in the account opening request information, and the microloan It is preferable to further include a small loan account number (= small loan subaccount number of the non-face-to-face complex account) generated through the setting information, and further comprises a small loan amount information set to the initial value '0' It is preferable to make.

According to another embodiment of the present invention, if the account opening request information is omitted one or more of the demand setting information, earning type setting information, deferred setting information, resale association setting information, mileage / coupon setting information, small loan setting information, The ledger information generation unit 183 preferably does not generate the omitted ledger information. In this case, the omitted ledger information may be used for the non-face-to-face transaction account (or for the non-face-to-face transaction account). After real name verification), it is preferable to set manually by the customer (or automatically by financial institution policy).

In addition, the ledger information generation unit 183 may obtain credit ledger information and mortgage ledger information for a financial account corresponding to the non-face-to-face complex account based on the loan setting information included in the account opening request information. Characterized by generating loan ledger information including one or more.

Herein, the credit ledger information includes credit loan condition information of the non-face-to-face complex account set through credit loan setting information among loan setting information included in the account opening request information, and the credit loan setting information. It is preferable that the credit loan account number (= credit loan sub account number of the non-face-to-face combined transaction account) generated through the, further comprises a credit amount information set to the initial value '0' desirable.

The mortgage ledger information includes collateral loan condition information of the non-face-to-face transaction complex account set through collateral loan setting information among loan setting information included in the account opening request information, and through the collateral loan setting information. It is preferable to further include the generated collateral loan account number (= collateral loan subaccount number of the non-face-to-face complex account), and preferably further comprises collateral loan amount information set to the initial value '0'. .

According to another embodiment of the present invention, if one or more of the credit setting information and the security loan setting information are omitted from the account opening request information, the ledger information generation unit 183 does not generate the omitted ledger information. Preferably, in this case, the omitted ledger information is automatically processed by the customer (or after the real name of the compound account for the non-face to face transaction) using the compound account for the non-face-to-face transaction. Is preferably set.

When the validity confirming unit 120 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the ledger generation unit 130 operates a ledger for the non-face-to-face compound account. Identify the system 193 and generate a customer ledger, a composite account ledger and a loan ledger for the financial account corresponding to the non-face-to-face composite account on the ledger system 193.

The customer ledger may include one or more information fields for storing personal information, member information, and customer number included in the generated customer ledger information, and each information field is null. It is desirable to initialize to a value.

The composite account ledger stores the account number (= representative account number of the non-face-to-face composite account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face composite account. It is preferable to include a basic account ledger made up of one or more information fields for further storing the financial institution number (or code) and the account alias corresponding to the compound account for trading, and further storing the account linked card information. Each information field of the basic account ledger is preferably initialized to a null value.

In addition, the composite account ledger stores the required payment attribute information included in the required payment ledger information for the financial account corresponding to the non-face-to-face transaction composite account, and the generated required payment account number (= the non-face-to-face transaction account) It is preferable to include a request ledger made up of a required subaccount number) and one or more information fields for further storing the required amount of money information, each information field of the required ledger is initialized to a null value desirable.

In addition, the composite account ledger, the earning attribute information contained in the earning ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated earned account number (= the non-face-to-face complex account It is preferable that the earning ledger made by including one or more information fields for storing the earned subaccount number) and the earned amount information more, each information field of the earned ledger is initialized to a null value desirable.

In addition, the composite account ledger stores the deferred attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated deferred account number (= the combined account for the non-faceted transaction) It is preferable to include a deferred ledger made up of a deferred subaccount number) and one or more information fields for further storing the deferred amount information, each information field of the deferred ledger is initialized to a null value desirable.

In addition, the multi-account ledger stores the resale-linked attribute information included in the resale-linked ledger information for the financial account corresponding to the non-face-to-face compounded account, the generated resale-associated account number (= the non-face-to-face transaction And a resale linked ledger made up of one or more information fields for further storing resale linked subaccount number) of the combined account. It is desirable to initialize to a null value.

In addition, the composite account ledger stores the mileage / coupon attribute information included in the mileage / coupon ledger information for the financial account corresponding to the non-face-to-face transaction composite account, and the generated mileage / coupon account number (= the It is preferable to include a mileage / coupon ledger including a value sub account number for mileage / coupon operation of a non-face-to-face transaction account) and one or more information fields for further storing mileage / coupon value information. Each information field of the mileage / coupon ledger is preferably initialized to a null value.

In addition, the multi-account ledger stores the micro-loan attribute information included in the micro-loan ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated small loan account number (= the non-face-to-face transaction And a small loan ledger made up of one or more information fields for further storing the small loan subaccount number) and the small loan amount information of the multiple account. Each information field of the small loan ledger is null ( NULL) value is preferably initialized.

According to another embodiment of the present invention by the ledger information generation unit 183 one or more of the required ledger information, earned ledger information, deferred ledger information, reselling ledger information, mileage / coupon ledger information, small loan ledger information If omitted, the ledger generation unit 130 preferably does not generate a ledger that matches the omitted ledger information, in which case the omitted ledger is a non-face-to-face complex account using process (or the non-face to face) After confirmation of the real name for the composite account for the transaction, it is preferably set manually by the customer (or automatically by the financial institution policy).

The loan ledger stores credit loan condition information (for example, condition information for applying for, reviewing and approving a credit loan in a non-face-to-face manner) included in the credit ledger information corresponding to the non-face-to-face complex account. One or more information fields for further storing the generated credit loan account number (= credit loan subaccount number of the non-face-to-face complex account), credit amount information, customer credit rating information, credit limit amount information for each credit rating It is preferable to include a credit ledger made, including, each information field of the credit ledger is preferably initialized to a null value.

In addition, the loan ledger stores mortgage loan condition information (eg, condition information for applying for, reviewing and approving a mortgage loan in a non-face-to-face manner) included in the mortgage ledger information corresponding to the non-face-to-face complex account. And, for storing the generated collateral loan account number (= collateral loan sub account number of the non-face-to-face complex account), collateral loan amount information, collateral loan information of the customer, and loan limit amount information for each collateral It is preferable to include a mortgage ledger including the above information field, and each information field of the mortgage ledger is preferably initialized to a null value.

When one or more of the credit ledger information and the collateral loan ledger information are omitted by the ledger information generation unit 183 according to another embodiment of the present invention, the ledger generation unit 130 matches the omitted ledger information. It is preferable not to generate a ledger, in which case the omitted ledger is manually (or after real name verification of the non-face-to-face compound account) by the customer (or Automatically set by the financial institution policy.

When the customer ledger, the composite account ledger, and the loan ledger for the financial account corresponding to the non-face-to-face composite account are created in the ledger system 193, the information storage unit 135 is linked with the ledger system 193. By storing the customer ledger information in the customer ledger, the composite account ledger information in the composite account ledger, and storing the loan ledger information in the loan ledger, non-faceted through the validity check unit 120 Based on the result of the authentication, the real name for the customer (eg, real name verification based on face verification based on face-to-face verification pursuant to Presidential Decree No. 15744) It is characterized by opening an account.

When the validity confirming unit 120 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the additional service confirming unit 140 is valid for the account setting information included in the account opening request information. It is characterized by checking whether one or more additional service setting information is included.

If it is confirmed that the at least one additional service setting information valid is included in the account opening request information, the additional service ledger information generating unit 145 may include at least one additional service ledger corresponding to the identified additional service setting information. It is characterized by generating information.

Here, the additional service ledger information, interest rate adjustment additional service ledger information, tax additional service ledger information, fee adjustment additional service ledger information, payment support additional service ledger information, billing / storage additional service ledger information, record information extended additional service ledger Preferably, the information includes one or more additional service ledger information.

The interest rate adjustment supplementary service ledger information may be added or discounted to the contract period interest rate for the non-face-to-face complex account without adding or canceling a separate account (for example, adding an interest rate during the contract term based on the agreement between the customer and the financial institution). , The discount rate of the credit rate) by adding / deleting as an attribute of the non-face-to-face transactional account, to remove and remove ledger information, and the promotion rate addition / discount (for example, receiving interest rate by promotion of a financial institution (or affiliated institution)). Add / remove credit rate as an attribute of the non-face-to-face compound account, add / delete ledger information, re-join / long-term interest rate addition / discount (e.g. customer re-join, or maintain account for a long time) By adding or removing the interest rate or discounting the credit rate) as an attribute of the non-face-to-face compounded account. Add / discount information, mileage cumulative interest rates (e.g., add interest rates based on cumulative mileage earned by a financial institution (or affiliated institution) or discount credit rates) as an attribute of the non-face-to-face compound account. It is preferable to include at least one ledger information for deletion and detachment.

The VAT ledger information may be taxed / non-taxed (eg, non-face-to-face compounded account, or non-face-to-face transaction account) for a specific period (eg, contracted term) for the non-face-to-face compounded account without a separate account new / cancellation. It is preferable to include at least one ledger information for adding / deleting one or more transaction attributes included in the face-to-face transaction account as an attribute of the non-face-to-face transaction account.

The fee adjustment additional service ledger information is for fee reduction (e.g., between a customer and a financial institution) for a specific period of time (e.g., an agreement period or a promotion period) for the non-face-to-face complex account without a separate account new / cancellation. Addition / deletion of commission reduction by agreement as an attribute of the non-face-to-face transaction account, and ledger information for removal and detachment, and commission reduction by promotion (eg, by a financial institution (or affiliated agency) Or a commission reduction) by adding / deleting as an attribute of the non-face-to-face transaction multi-account and providing and removing ledger information, commission coupon exchange (eg, provided by a financial institution (or affiliated institution), or purchased by a customer). Ledger for the removal and removal by adding / deleting a fee reduction through a fee reduction coupon) as an attribute of the non-face-to-face transaction account It is desirable to include one or more pieces of information.

The payment support supplementary service ledger information may be credited according to the payment processing when a bank transfer payment through a non-face-to-face transaction complex account or a card payment process through a card associated with the non-face-to-face transaction complex account (eg, Ledger information and fund support (eg, fund managers (welfare) to add / delete mileage credits provided by financial institutions (or affiliated institutions) in response to payment processing as attributes of the non-face-to-face complex account. The non-face-to-face transaction of a part (or all) of the approval of the payment through the funds provided to the client by the state agency / local device organization that administers the fund, the insurance company that manages the benefit, the pension operator who manages the pension, etc.) Ledger information and payment fee reduction (e.g., promotion of financial institutions (or affiliated institutions)) And / or discount payment fee according to the payment attribute or the payment attribute) as a property of the non-face-to-face transaction account, and the ledger information for desorption and exchange of discount coupons through mileage (for example, discount coupons for mileage above a predetermined standard) Ledger information, affiliate discounts (e.g., discounts through the provision of affiliated services with specific affiliated organizations) to add / delete as an attribute of the non-face-to-face transaction composite account, It is preferable to include at least one ledger information for detachment by adding / deleting by the attribute of.

The billing / receipt supplementary service ledger information is billed to the non-face-to-face transaction composite account (eg, to one or more billing institutions from the account holder) To add / delete the billing information storage medium for a certain period of time as an attribute of the non-face-to-face transaction complex account, and to remove the ledger information, and provide a disposable storage account (for example, the customer (= non- Ledger information for depositing / deleting accounts by adding / deleting a one-time account created to receive the charges billed to the face-to-face transaction composite account)) as an attribute of the non-face-to-face transaction composite account To receive a charge charged to a virtual account (e.g., by one or more billing authorities to the customer (= holder of a non-face-to-face multiple account) Ledger information and automatic payment (for example, automatic payment of billing charges per billing institution) for adding / deleting and demounting by adding / deleting a virtual account for each billing institution as an attribute of the non-face-to-face complex account Ledger information and electronic bill payment management (e.g., paying bills by billing institution through electronic bills electronically billed through the telecommunications network) for adding / deleting and removing them as attributes of the non-face-to-face transaction account To add / delete ledger information and escrow (e.g., an intermediate account for paying billing charges per billing agency) as an attribute of the non-face-to-face complex account It is preferable to include at least one ledger information.

The record information extension additional service ledger information of the deposit additional information record (e.g., affiliated store (or SOHO)) for the merchant (or SOHO) in the non-face-to-face complex account without new account / cancellation. Account information for depositing / detaching by adding / deleting the deposit history information into the account according to one or more criteria as the expansion information of the non-face-to-face complex account and depositing amount (for example, receivable security loan) ) Is added / deleted as an attribute of the non-face-to-face compounded account, and ledger information for depositing / detaching (e.g., classifying and counting the amount of money deposited into the non-face-to-face compounded account according to one or more criteria) Ledger information and deposit and withdrawal information (e.g., for a non-face-to-face complex account) That the history information to add / remove in the extended information of the composite accounts for the dispensing history information recording) in the non-face-to-face transactions comprising one or more ledger information for departure complex is preferred.

On the other hand, after the verification result, the account opening request information does not include at least one additional service setting information valid or at least one additional service ledger information corresponding to the additional service setting information included in the account opening request information is generated. The additional service ledger information generation unit 145 may generate one or more automatic setting additional service ledger information based on the customer information included in the account opening request information.

Here, the automatic setting additional service ledger information, the interest rate adjustment additional service ledger information, tax additional service ledger information, fee adjustment additional service ledger information, payment support additional service ledger information, billing / storage additional service ledger information, record information extension Among the additional service ledger information, one or more additional service ledger information that is automatically set according to the financial institution policy, and preferably further includes the real name verification additional service ledger information for real name verification management of the non-face-to-face transaction account. .

The real name verification supplementary service ledger information is a preset limit amount (eg, 500,000 won, or 200) for the transaction limit amount through the non-face-to-face compound account until the real name verification of the face-to-face method for the non-face-to-face compound account. Ten thousand won), limiting one or more loans (e.g., including one or more small loans, credit loans, and mortgages) through the non-face-to-face compound account, and the mileage / coupon for the non-face-to-face compound account. It is desirable to include one or more ledger information that limits some (or all) of the accumulation.

According to an embodiment of the present invention, the real name verification additional service ledger information is preferably deleted after face-to-face real-name verification of the non-face-to-face complex account, thereby real name for the non-face-to-face complex account It is desirable that limit restrictions and various transaction restrictions resulting from unconfirmed status be lifted.

When one or more additional service ledger information is generated by the additional service ledger information generation unit 145, the additional service ledger generation unit 150 may be added to the composite account ledger or the customer ledger created on the ledger system 193. And generating one or more additional service ledgers corresponding to the generated additional service ledger information, respectively.

In this case, the interest rate adjustment supplementary service ledger adds / reduces an interest rate for a contract period included in the generated interest rate adjustment supplementary service ledger information (eg, adds an interest rate during an agreement term based on an agreement between a customer and a financial institution, or a credit rate Ledger information for discounts), add / discount promotion rates (e.g., add interest rates by promotions from financial institutions (or affiliates), discount credit rates), re-join / add long-term retention rates / Ledger information for discounts (e.g., re-joining customers or adding long-term interest rates, or discounting credit rates by long-term account retention), cumulative interest rate additions / discounts (e.g., earned by financial institutions (or affiliates)) Include one or more information fields to store ledger information for adding interest rates or discounting credit rates based on cumulative mileage W is preferably composed, and each of the additional information field service ledger the rate adjustment is preferably initialized to a null (NULL) value.

The tax added service ledger is added to the taxation / non-taxation (eg, non-face-to-face transaction complex account, or non-face-to-face transaction complex account) for a specific period (eg, contract period) included in the generated tax value added service ledger information. And one or more information fields for storing ledger information for taxation / non-taxation of one or more transaction attributes included. Each information field of the tax supplement service ledger is initialized to a null value. It is preferable.

The fee adjustment supplementary service ledger is a fee reduction (eg, fee reduction due to an agreement between a customer and a financial institution) for a specific period (eg, an agreement period or a promotion period) included in the generated fee adjustment supplementary service ledger information. Ledger information), ledger information for promotion of commission reduction (e.g. commission reduction by the inclusion (or subscription) of the customer in the promotion of the financial institution (or affiliated organization)), exchange of coupon coupons (e.g. Or one or more information fields for storing the ledger information for fee reduction through a fee reduction coupon purchased by a customer or provided by an affiliated agency), and each information field of the fee adjustment additional service ledger. Is preferably initialized to a null value.

The payment support supplementary service ledger is ledger information and fund support for mileage accumulation (eg, mileage accumulation provided by a financial institution (or an affiliated organization) in response to payment processing) included in the generated payment support supplementary service ledger information. (E.g., a fund operator (such as a national agency / local agency that operates welfare funds, an insurance company that manages benefits, a pension operator who manages pensions, etc.) to provide some (or all) of payment approvals through funds provided to the client. Ledger information for approval), ledger information for payment fee reduction (e.g. promotion by a financial institution (or affiliated agency), or payment fee reduction based on payment attributes), discount coupon exchange through mileage (e.g. Ledger information for mileage redemption with discount coupons, and affiliate discounts (eg It is preferable to include one or more information fields for storing the ledger information (discount), and each information field of the payment support supplementary service ledger is preferably initialized to a null value.

The billing / receiving supplementary service ledger is a billing information included in the generated billing / receiving supplementary service ledger information (e.g., billing information billed by the one or more billing institutions to the customer (= name of the compound account for a non-face-to-face transaction account)). Ledger information for a certain period of time), a disposable storage account provided (e.g., one-time generated to accommodate the amount charged by the one or more billing institutions billed to the customer (= name holder of the non-face-to-face complex account) Ledger information for account provision, virtual account for deposit account classification (e.g., virtual account for each billing institution for storing the charges charged to the customer (= name of compound account for non-face-to-face transaction account from one or more billing institutions) Ledger information, automatic ledger information (e.g., billing by billing agency), electronic bill payment management (e.g., telecommunications) One for storing ledger information for escrow (e.g., an interim account for paying bills by billing agency) for electronic bills charged electronically through It is preferable to include the above information field, and it is preferable that each information field of the billing / receipt supplementary service ledger is initialized to a null value.

The record information extension supplementary service ledger is transferred to the account of the deposit additional information record (for example, affiliated store (or SOHO)) for the merchant (or SOHO) included in the generated record information expansion supplementary service ledger information. Register / deposit information according to one or more criteria) to add / delete the extension information of the non-face-to-face transaction complex account for ledger information for depositing / detaching, and for automatic deposit (eg, trade receivable security loan) Ledger information, ledger information for classifying / aggregating deposit amounts (e.g., classifying and counting amounts deposited into non-face-to-face compound accounts according to one or more criteria), and deposit information (e.g., deposits for non-face-to-face compound accounts) Information or withdrawal history information records), including one or more information fields for storing ledger information. Each information field of the supplementary service ledger is preferably initialized to a null value.

The real name verification additional service ledger may set a transaction limit amount through the non-face-to-face complex account before the face-to-face name verification of the non-face-to-face complex account (eg, 500,000 won, or 200 Ledger information to be managed within a million won), ledger information for limiting one or more loans (e.g., including one or more small loans, credit loans, collateral loans) through the non-face-to-face complex account, the non-face-to-face complex account And at least one information field for storing the ledger information for limiting a part (or all) of the mileage / coupon credit for the information. Each information field of the record information extension supplementary service ledger has a null value. It is preferable to initialize.

When one or more additional service ledgers associated with the multiple account ledger or the customer ledger are generated in the ledger system 193, the additional service storage unit 155 is linked with the ledger system 193 to the multiple account ledger to the customer. By storing each additional service ledger information corresponding to each of the one or more additional service ledgers created in association with the ledger, real name confirmation for the customer based on a non-face-to-face authentication result through the validity checker 120 (eg, It is characterized by opening a multi-account for non-face-to-face transaction without real name, without real-name verification based on face-to-face verification under the Real-name Financial Transactions and Confidentiality Act and Presidential Decree (No. 15744).

Referring to FIG. 1, when the account opening server 100 stores respective additional service ledger information corresponding to each of the one or more additional service ledgers generated by the additional service storage unit 155, the ledger system 100 stores the ledger system. An additional service ledger addition / deletion unit 160 (or additional service ledger addition / deletion means) for processing the additional service ledger in which the additional service ledger information is stored in the combined account ledger or the customer ledger in association with 193; And storing additional service ledger log information for adding the additional service ledger to the compound account ledger or the customer ledger in association with the ledger system 193 in the additional service log D / B provided in the ledger system 193. It is characterized in that it comprises a log information storage unit 165 (or log information storage means) for processing.

When the additional service ledger information corresponding to each of the one or more additional service ledgers generated by the additional service ledger generation unit 150 is stored by the additional service storage unit 155, the additional service ledger add / delete unit is stored. In operation 160, the additional service ledger in which the additional service ledger information is stored may be added to the multi-account ledger or the customer ledger generated by the ledger generation unit 130 in association with the ledger system 193. .

According to the embodiment of the present invention, the additional service ledger add / delete unit 160 activates the additional service ledger in which the additional service ledger information is stored through the additional service management ledger provided in the ledger system 193, It is preferable to process the additional service ledger to be added to the multiple account ledger or the customer ledger.

When the additional service ledger in which the additional service ledger information is stored is added to the multiple account ledger or the customer ledger, the log information storage unit 165 links the additional service ledger to the multiple account ledger through the ledger system 193. Characterized in that the additional service ledger log information for the addition to the customer ledger is processed to be stored in the additional service log D / B provided in the ledger system (193).

Referring to Figure 1, the account opening server 100, the validity of the non-face-to-face transaction through the account opening request information through the validity confirmation unit 120 is authenticated, the ledger system 193 When the non-face-to-face transaction composite account corresponding to the account opening request information is opened, an account opening electronic document including the account opening request information and financial account information on the financial account corresponding to the non-face-to-face transaction composite account is generated. Electronic document generating unit 170 (or electronic document generating means) and the electronic document transmitting unit 173 (or electronic document transmission) for transmitting the generated account opening electronic document to the electronic document storage associated with the financial account opening system. Means).

The validity of the non-face-to-face transaction composite account opening through the account opening request information is verified through the validity verification unit 120, and a non-face-to-face transaction composite account corresponding to the account opening request information is opened in the ledger system 193. If so, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face complex account, and includes the account opening request information. Generate the electronic document information and the electronic document form including one or more non-face-to-face authentication result information through the non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, After generating the electronic document by including the electronic document information, encrypting or digitally signing an electronic document according to a preset electronic document generation method; It characterized.

According to one embodiment of the present invention, the electronic document generation unit 170 includes customer account information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction account, Generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information, and the document content A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, etc., or a web document file including an MHT) It is preferable to process the account opening electronic document for opening the non-face-to-face complex account.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. Generate document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and the electronic document verification information preset in the document content. And a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC, etc.) containing document content including the watermarking after the watermarking method. Open an account for opening the non-face-to-face compound account) Advice is preferred to process each other.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content It is preferable to process an image file containing content (eg, image content generated by capturing the document content on a memory) into an account opening electronic document for opening a non-face-to-face compound account.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content After the electronic document verification information is included in the content (eg, the image content generated by capturing the document content on the memory) by a watermarking method, the image file including the image content including the watermarking is included. It is preferable to process the account opening electronic document for opening a non-face-to-face compound account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 170 includes customer information included in the account opening request information and financial account information on a financial account corresponding to the non-face-to-face transaction account. Generating document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing image content (e.g., image content generated by capturing the document content on a memory) and capturing the content; Or generating a word processor file including one or more HWP / DOC, or a web document file including MHT). To process a left opening type electronic document for open complex accounts for trade it is preferred.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content Generates image content including electronic document verification information set in a watermarking manner in content (for example, image content generated by capturing the document content on a memory), and includes image content including the watermarking. Document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, or HWP / DOC) By generating a word processor file containing one or more, or a web document file containing the MHT, etc.), it is preferable to process as an account opening electronic document for opening a non-face-to-face complex account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 170 includes customer information included in the account opening request information and financial account information of a financial account corresponding to the non-face-to-face complex account. And generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the account opening request information and non-face-to-face authentication information included in the account opening request information. Image content capturing document content (eg, image content generated by capturing the document content on a memory) and a document file corresponding to the document content (eg, a Portable Document Format (PDF) file, or EDI (Electronic)). Data Interchange) file, a word processor file containing one or more HWP / DOC, or a web document file including MHT). Thereby, it is preferred to process the electronic document to the account opening for said non-face-to-face transaction account opening for composite.

Alternatively, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account, and included in the account opening request information. An image of generating document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, and capturing the document content Generating image content including electronic document verification information preset in a content (for example, image content generated by capturing the document content on a memory) by a watermarking method, the image content including the watermarking and the Document files corresponding to document contents (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI)) File, a word processor file including one or more HWP / DOC, or a web document file including MHT), and the like. .

Those skilled in the art to which the present invention pertains, the electronic document generation unit 170 corresponds to the technical features to create an account opening electronic document in the form of an image file or document file, and correspond to the account opening 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.

When the account opening electronic document is generated by the electronic document generating unit 170, the electronic document transmitting unit 173 transmits the generated account opening electronic document to the electronic document storage associated with the financial account opening system. Characterized in that for storing.

As shown in FIG. 1, the electronic document repository includes an electronic document server 175 and an electronic document D / B 190 connected to an account opening server 100 on the financial account opening system through a communication network. When provided in the, the electronic document transmitting unit 173 is characterized in that for transmitting the account opening electronic document generated by the electronic document generating unit 170 to the electronic document server 175 through the communication network. .

Here, when the electronic document server 175 and the electronic document D / B 190 is provided outside the financial account opening system, the electronic document server 175 and the electronic document D / B 190 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 173 generates the electronic document generation unit 170. It is possible to store the account opening electronic document in the electronic document D / B 190 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 173 may include electronic document related information (eg, customer information included in the account opening request information) for generating electronic document management information in the electronic document server 175. And one or more financial account information, financial institution information, and electronic document file format information for the financial account corresponding to the non-face-to-face complex account, thereby transmitting to the electronic document repository. The present invention is not limited.

Referring to FIG. 1, an electronic document server 175 corresponding to an electronic document repository for receiving and managing the account opening electronic document from the account opening server 100 provided on the financial account opening system is provided through a communication network. Electronic document management unit 180 for receiving the account opening electronic document from the account opening server 100 and electronic document management information for storing and managing the received account opening electronic document in the electronic document D / B 190. And an electronic document storage unit 185 for storing and storing the electronic document management information and the account opening electronic document in the electronic document D / B 190. It features.

The electronic document receiving unit 180 may receive an account opening electronic document in the form of an image file or a document file from the account opening server 100 through the communication network.

According to an embodiment of the present invention, the account opening electronic document received by the electronic document receiving unit 180 through the communication network, the account opening request information received by the account opening server 100 from the client terminal 195. It includes customer information included in the financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including one or more non-face-to-face authentication result information through the non-face-to-face authentication information. A word processor file including one or more, or a web document file including an MHT).

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information After including the electronic document verification information preset in the document content including one or more non-face-to-face authentication result information by a watermarking method, a document file (eg, PDF (Portable) containing the document content including the watermarking. Document Format (DDI) files, Electronic Data Interchange (EDI) files, word processor files including one or more HWP / DOC, or MHT. Web document files, etc.) to be included.

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information It is preferable to include an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information.

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Watermarking electronic document verification information set in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information. After including in a manner, comprising the image file containing the image content including the watermarking This is preferred.

According to another embodiment of the present invention, the account opening electronic document that the electronic document receiving unit 180 receives through the communication network, the account opening request that the account opening server 100 received from the client terminal 195 The account information includes the customer information included in the information and the financial account information of the financial account corresponding to the non-face-to-face complex account, and includes the account setting information, the loan setting information, and the account opening request information included in the account opening request information. A document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through the included non-face-to-face authentication information. (E.g., one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, etc. It is preferred which comprises a de-processor file, or web page file, and so on) containing the MHT.

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Watermarking electronic document verification information set in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information. A document file including an image content including the watermarking and generating image content including the Such as a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). .

According to another embodiment of the present invention, the account opening electronic document that the electronic document receiving unit 180 receives through the communication network, the account received by the account opening server 100 from the client terminal 195 Customer account information included in the opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction account; and account setting information and loan setting information and the account opening request included in the account opening request information. Image content (eg, image content generated by capturing the document content on a memory) and the document including document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the information. A document file corresponding to the content (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) And at least one word processor file or web document file including MHT).

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include customer information included in the account opening request information received by the account opening server 100 from the client terminal 195 and the account opening electronic document. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, and through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information Watermarking electronic document verification information set in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information. Generating image content including the image content, and generating the image content including the watermarking and the document content. A corresponding document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

The information generating unit 183 is an electronic document unique number (or unique information) to be assigned to the account opening electronic document received through the electronic document receiving unit 180, and the account opening electronics through the electronic document receiving unit 180 And generating electronic document management information including electronic document archiving date and time information including a date and time at which the document was received (or a date and time at which the account opening electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 183 refers to the account opening electronic document, which transmits the account opening electronic document received through the electronic document receiving unit 180, to open the account opening electronic document. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 100 through the electronic document receiving unit 180, the information generating unit 183 is the received electronic Document-related information (e.g., at least one of customer information included in the account opening request information and financial account information, financial institution information, and electronic document file format information of a financial account corresponding to the non-face-to-face complex account); It is preferable to generate electronic document management information that further includes.

The electronic document storage unit 185 processes the electronic document management information generated through the account opening electronic document received through the electronic document receiving unit 180 and the information generating unit 183 in an electronic document D / B ( 190) characterized in that the storage.

According to the exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is the account opening server 100 from the client terminal 195. Customer account information included in the received account opening request information and financial account information for the financial account corresponding to the non-face-to-face transaction account, and account setting information and loan setting information included in the account opening request information and the A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account opening request information. Or a word processor file including one or more HWP / DOC, or a web document file including MHT).

Alternatively, the account opening request information stored in the electronic document D / B 190 by the electronic document storage unit 185 may be account opening request information received by the account opening server 100 from the client terminal 195. It includes customer information included in the financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information A document including the document content including the watermarking after the electronic document verification information is included in the document content including at least one non-face-to-face authentication result information through the non-face-to-face authentication information in a watermarking manner A word processor file including one or more files (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC), or M Web document file including HT).

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face authentication. It is preferable to make it.

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face authentication information. And including an image file including image content including the watermarking after the watermarking method. It is preferable.

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is the account opening server 100 by the client terminal 195. Customer account information included in the account opening request information received from the financial account information for the financial account corresponding to the non-face-to-face transaction complex account; account setting information and loan setting information included in the account opening request information; Image content (e.g., image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account opening request information. ), Including one or more document files (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC). It comprises a web page file, and so on) that include the word-processor file, or MHT is preferred.

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face authentication information. To generate image content including a watermarking method, and a document file including the image content including the watermarking ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including MHT) may be included. .

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is configured by the account opening server 100 in the client terminal 195. Customer information included in the account opening request information received from the) and the financial account information for the financial account corresponding to the non-face-to-face complex account, and the account setting information and the loan setting information included in the account opening request information. And image content (eg, an image generated by capturing the document content on a memory) including document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the account opening request information. Content) and a document file corresponding to the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC). It is preferred which comprises a Web document file, and so on) that include the word-processor file, or MHT comprising one or more than one.

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is based on the account opening request information received by the account opening server 100 from the client terminal 195. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through non-face authentication information. Generate image content including a watermarking method, and the image content and the document content including the watermarking method. A corresponding document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 190 by the electronic document storage unit 185 in association with the account opening electronic document is stored in the account opening electronic document. Preferably, the assigned electronic document unique number (or unique information) and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 190 by the electronic document storage unit 185 for processing in association with the account opening electronic document is the account opening electronic document. It is preferable that the financial institution further includes information on the financial institution that has transmitted the account opening electronic document, which has been identified with reference to the account opening server 100 that has transmitted.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server 100, the electronic document storage unit 185 processes the electronic document by linking with the account opening electronic document. The electronic document management information stored in the D / B 190 includes information about the received electronic document-related information (for example, customer information included in the account opening request information and a financial account corresponding to the non-face-to-face complex account). Financial account information, financial institution information, and electronic document file format information).

2 is a view showing a ledger system corresponding to a non-face-to-face multiple account according to an embodiment of the present invention.

In more detail, Figure 2 is provided with a non-face-to-face transaction function including one or more required payments, earning, deferred, resale associated, mileage / coupon, small loans in a single account ledger 225, the interest rate adjustment of the composite account The drawing to open a composite account for non-face-to-face transactions that provides tax, fee adjustment, payment support, billing / receipt, record information expansion, etc. through the additional service ledger 210 detached from the composite account ledger 225 1 illustrates a ledger system configuration for a non-face-to-face compounded account opened through the financial account opening system shown in FIG. 1. Specifically, the customer ledger 230 corresponding to the non-face-to-face transaction complex account, the composite account ledger ( 225) and one or more supplementary service ledgers 210 are shown in an implementation method in one ledger system.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for the ledger system configuration corresponding to the non-face-to-face complex account. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, although the ledger system shown in FIG. 2 shows a credit ledger and a secured loan ledger in the form of an internal ledger of a composite account ledger 225, the present invention is not limited thereto, and the credit ledger and The mortgage ledger may be implemented in the form of an independent ledger linked relationally with the composite account ledger 225, and it is apparent that the present invention includes all the inferred implementation methods.

Referring to FIG. 2, in the ledger system corresponding to the non-face-to-face transaction composite account, the customer ledger 230 and the compound account ledger 225 generated through the financial account opening system shown in FIG. 1 are linked in a relational manner. The one or more additional service ledgers 210 generated through the financial account opening system shown in FIG. 1 are added to the multiple account ledgers 225 to the customer ledger 230 through the additional service management ledger 215. And a ledger structure detached and detached in a deleted manner, wherein the customer ledger 230, the composite account ledger 225, and the one or more additional service ledger 210 corresponding to the non-face-to-face composite account are It includes a ledger operating interface 220 to interface with the account opening server 200 and one or more non-face-to-face transaction server 205 shown in FIG.

Here, the customer ledger 230 is a ledger including one or more information fields for storing the customer's personal information, member information and customer number, the customer's personal information (for example, customer's name, social security number, address) , A phone number, a mobile phone number, an e-mail address, etc.) and member information (eg, member ID information), and a customer number (eg, a Customer Information File (CIF), etc.) to be assigned to the customer. .

In addition, the composite account ledger 225, the basic account ledger, the demand payment ledger, the reserve ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger for the financial account corresponding to the non-face-to-face complex account Characterized in that it comprises one or more, characterized in that further comprises a credit loan ledger and secured loan ledger.

Here, the basic account ledger stores the representative account number of the non-face-to-face composite account, and further stores a financial institution number (or code) corresponding to the non-face-to-face composite account, an account alias, and the account. A ledger including one or more information fields for further storing the linked card information, which is linked relationally with the customer ledger 230, the one or more additional service ledger 210 through the additional service management ledger 215 It is preferable to be detached in an add / delete manner.

The request ledger stores one or more request attribute information for the non-face-to-face multiple transaction account, and further stores the required account number (= the required sub account number of the multiple account for the non-face-to-face transaction) and the required amount of information. As the ledger including an information field, the customer ledger 230 is relationally linked, and one or more additional service ledger 210 is detached in an addition / deletion manner through the additional service management ledger 215. Do.

The earning ledger, at least one for storing the earning type attribute information for the non-face-to-face complex account, and further stores the earning account number (= earning sub account number of the non-face-to-face complex account) and earned amount information As the ledger including an information field, the customer ledger 230 is relationally linked, and one or more additional service ledger 210 is detached in an addition / deletion manner through the additional service management ledger 215. Do.

The deferred ledger stores one or more deferred attribute information for the non-face-to-face complex account and further stores deferred account number (= deferred sub-account number of the non-face-to-face complex account) and deferred amount information. As the ledger including an information field, the customer ledger 230 is relationally linked, and one or more additional service ledger 210 is detached in an addition / deletion manner through the additional service management ledger 215. Do.

The reseller linked ledger stores resold association attribute information for the non-face-to-face complex account, and further includes a resales-linked account number (= resales-linked subaccount number of the non-face-to-face complex account) and resold associated amount information. A ledger comprising one or more information fields for storing, which is relationally associated with the customer ledger 230, the one or more additional service ledger 210 is added / deleted through the additional service management ledger 215 It is preferable to be detached.

The mileage / coupon ledger stores mileage / coupon attribute information for the non-face-to-face complex account, and a mileage / coupon account number (= value-based sub-account for mileage / coupon operation of the non-face-to-face complex account). Number) and one or more information fields for further storing mileage / coupon value information, which are relationally associated with the customer ledger 230 and one or more additional services through the additional service management ledger 215. The ledger 210 is preferably detached in an add / delete manner.

The microloan ledger stores microloan attribute information for the non-face-to-face complex account, and further includes a microloan account number (= microloan subaccount number of the non-face-to-face complex account) and microloan amount information. A ledger including one or more information fields to be stored. The ledger is relationally associated with the customer ledger 230, and at least one additional service ledger 210 is added / deleted through the value added service management ledger 215. It is preferable to be detached.

The credit ledger stores the credit condition information for the non-face-to-face composite account, credit loan account number (= credit loan sub-account number of the non-face-to-face complex account), credit amount information, customer A ledger including one or more information fields for further storing credit rating information and loan limit amount information for each credit rating. The ledger is relationally associated with the customer ledger 230 and one through the additional service management ledger 215. It is preferable that the above additional service ledger 210 is detached in an add / delete manner.

The mortgage ledger stores the collateral loan condition information for the non-face-to-face complex account, the collateral loan account number (= collateral loan sub account number of the non-face-to-face complex account), collateral loan amount information, customer Ledgers including one or more information fields for further storing the information on the collateral, the loan limit amount for each collateral, linked in relation to the customer ledger 230, through the additional service management ledger 215 At least one additional service ledger 210 is preferably detached in an add / delete manner.

In addition, the additional service ledger 210, the interest rate adjustment additional service ledger 210, the tax additional service ledger 210, the fee adjustment additional service ledger 210, payment support additional service ledger 210, billing / storage addition Service ledger 210, the record information expansion supplementary service ledger 210, characterized in that it comprises one or more, the supplementary service ledger 210 is the composite account ledger 225 through the supplementary service management ledger 215 To customer ledger 230 is characterized in that the addition / deletion method.

Here, the interest rate adjustment supplementary service ledger 210 may add / reduce interest rate for a contract period included in the generated interest rate adjustment supplementary service ledger 210 information (for example, an interest rate received during an agreement term based on an agreement between a customer and a financial institution). Ledger information for adding or discounting interest rates), ledger information for adding or discounting promotional interest rates (eg, adding interest rates by promotion of financial institutions (or affiliated institutions) or discounting credit rates), rejoining Add / discount long term maintenance interest rates (e.g., add receivables by re-joining customers or long-term account retention, or discount credit rates), add / reduce mileage cumulative interest rates (e.g., financial institutions (or One or more information fields to store ledger information for adding interest rates or discounting credit rates based on the accumulated mileage It comprises are preferred.

The tax added service ledger 210 may be taxed / non-taxed (eg, a non-face-to-face transaction complex account or a non-face-to-face transaction) for a specific period (eg, a contract period) included in the generated tax added service ledger 210 information. It is preferred to include one or more information fields for storing ledger information for taxation / nontaxing of one or more transaction attributes included in the face-to-face transaction account.

The fee adjustment additional service ledger 210 may be configured to reduce a fee (eg, a customer period or a financial institution) for a specific period (eg, an agreement period or a promotion period) included in the generated fee adjustment additional service ledger 210 information. Ledger information for fee reduction by inter-community agreement, ledger information for fee reduction by promotion (e.g. fee reduction by the inclusion (or subscription) by a customer in the promotion of a financial institution (or affiliate)), exchange of fee coupons It is preferred to include one or more information fields for storing ledger information (eg, fee reduction through a fee reduction coupon provided by a financial institution (or affiliated institution) or purchased by a customer).

The payment support supplementary service ledger 210 may accumulate the mileage included in the generated payment support supplementary service ledger 210 information (for example, mileage accumulation provided by a financial institution (or an affiliated agency) in response to payment processing). Ledger information, fund support (eg, fund managers (national agencies / local device organizations operating welfare funds, insurance companies operating benefits, pension operators managing pensions, etc.) Ledger information for some (or all) approvals, ledger information for payment fee reductions (e.g., promotions by financial institutions (or affiliates), or payment fee reductions based on payment attributes), discount coupon exchange through mileage ( For example, ledger information for exchanging mileage above a predetermined standard with a discount coupon, and affiliate discount (eg, providing affiliate service with a specific affiliate institution). It comprises at least one information field for storing the ledger information for discount) through are preferred.

The billing / receiving supplementary service ledger 210 may include a claim (for example, the name of the composite account for non-face-to-face transaction in one or more billing institutions included in the generated billing / receiving supplementary service ledger 210 information). Ledger information for a period of time to store billing information for a certain period of time), and provide a one-time storage account (e.g., the amount charged by the one or more billing institutions to the customer Ledger information for providing a one-time account created to receive, virtual account for deposit account classification (e.g., one or more billing institutions to store the charges charged to the customer (= nominee of the non-face-to-face combined account) Ledger information for billing institution for each billing institution, ledger information for automatic payment (e.g., automatic debit of billing amount per billing agency), electronic bill payment management (eg Storing ledger information for escrow (e.g., interim accounts for paying billing by billing agency) for electronic bills charged electronically through the telecommunications network; It is preferred to include one or more information fields.

The record information extension supplementary service ledger 210 records the deposit additional information for the affiliate store (or SOHO) included in the generated record information extension supplementary service ledger 210 information (eg, the affiliate store (or SOHO). Ledger information for depositing / detaching by adding / deleting and recording the deposit history information to the account of)) according to one or more criteria as the expansion information of the non-face-to-face complex account (eg, sales) Ledger information for debt security loans, ledger information for classification / aggregation of deposit amounts (e.g., classification and aggregation of amounts deposited into multiple accounts for non-face-to-face transactions), and withdrawal information (e.g. for non-face-to-face transactions) It is preferable that the payment history information or withdrawal history information for the composite account includes one or more information fields for storing ledger information.

According to the present invention, the additional service management ledger 215, the interest rate adjustment additional service ledger 210, tax additional service ledger 210, fee adjustment additional service ledger 210, payment support additional service ledger 210 Activate the at least one additional service ledger 210 of the billing / receipt additional service ledger 210 and the record information extension additional service ledger 210 and add it to the composite account ledger 225 to the customer ledger 230, and vice versa. Deactivate one or more additional service ledger 210 to delete from the multi-account ledger 225 to the customer ledger 230, the addition / deletion of the additional service ledger 210 to reset / modify the information of the additional service ledger 210 Additional service ledger 210 for the log information (not shown) to generate and store in the additional service log D / B (not shown).

According to an embodiment of the present invention, if an interest rate adjustment for the compound account is requested (or set) from the account opening server 200 to one or more non-face-to-face transaction servers 205 associated with the ledger system, The service management ledger 215 activates the interest rate adjustment supplementary service ledger 210 and adds it to the compound account ledger 225 to the customer ledger 230, and then adds the additional service to the interest rate adjustment supplementary service ledger 210. It is preferable to generate the ledger 210 log information and store it in the additional service log D / B, or the interest rate for the compound account is reset / restored from the account opening server 200 to one or more non-face-to-face transaction servers 205. If it is corrected, the supplementary service management ledger 215 modifies the additional service ledger 210 information related to the interest rate adjustment while the interest rate adjustment supplementary service ledger 210 is activated. After updating), it is preferable to generate additional service ledger 210 log information for resetting / modifying the interest rate adjustment additional service ledger 210 and to store it in the additional service log D / B, or the account opening server 200 ) When the interest rate for the compound account is restored from one or more non-face-to-face transaction servers 205, the additional service management ledger 215 deactivates the interest rate adjustment additional service ledger 210 so as to deactivate the compound account ledger ( 225) to after the deletion from the customer ledger 230, it is preferable to generate the additional service ledger 210 log information for deleting the interest rate adjustment additional service ledger 210 and store it in the additional service log D / B.

Alternatively, when the taxation / non-taxation setting for the compound account is requested (or set) from the account opening server 200 associated with the ledger system or one or more non-face-to-face transaction servers 205, the additional service management ledger 215 ) Activates the tax supplement service ledger 210 and adds it to the multiple account ledger 225 to the customer ledger 230, and then adds the additional service ledger 210 log information for the tax supplement service ledger 210 addition. It is preferable to generate and store in the additional service log D / B, or the tax / non-tax setting conditions for the combined account from the account opening server 200 to one or more non-face-to-face transaction server 205 is reset / modified In this case, the supplementary service management ledger 215 modifies (or supplementary service ledger 210 information related to the taxation / non-tax setting with the tax supplementary service ledger 210 activated) (or New) after generating the additional service ledger 210 log information for the reset / modification of the tax added service ledger 210 and store in the additional service log D / B, or the account opening server (200) to When the tax / non-tax setting conditions for the composite account are restored from one or more non-face-to-face transaction servers 205, the additional service manager ledger 215 deactivates the tax added service ledger 210 to restore the composite account ledger. After deleting from the (225) to the customer ledger 230, it is preferable to generate the additional service ledger 210 log information for deleting the tax added service ledger 210 and store in the additional service log D / B.

Alternatively, when the fee adjustment for the compound account is requested (or set) from the account opening server 200 to one or more non-face-to-face transaction servers 205 associated with the ledger system, the additional service management ledger 215 may Activate the fee adjustment additional service ledger 210 and add it to the multiple account ledger 225 to the customer ledger 230, and then log the additional service ledger 210 log information for the fee adjustment additional service ledger 210 addition. It is preferable to generate and store in the additional service log D / B, or if the fee for the compound account is reset / modified from the account opening server 200 to one or more non-face-to-face transaction server 205, the additional service The management ledger 215 modifies (or updates) the additional service ledger 210 information related to the fee adjustment while the fee adjustment additional service ledger 210 is activated. After that, it is preferable to generate additional service ledger 210 log information regarding the fee adjustment additional service ledger 210 reset / modification and store the additional service ledger 210 log information in the additional service log D / B, or the account opening server 200 to one. When the fee for the composite account is restored from the non-face-to-face transaction server 205, the additional service management ledger 215 deactivates the fee adjustment additional service ledger 210 to the composite account ledger 225 to the above. After deleting from the customer ledger 230, it is preferable to generate additional service ledger 210 log information on deleting the fee adjustment additional service ledger 210 and store it in the additional service log D / B.

Alternatively, when payment support for the composite account is requested (or set) from the account opening server 200 associated with the ledger system or one or more non-face-to-face transaction servers 205, the additional service management ledger 215 may Activate the payment support supplementary service ledger 210 and add it to the composite account ledger 225 to the customer ledger 230, and then log the additional service ledger 210 log information for the payment support supplementary service ledger 210 addition. It is preferable to generate and store in the additional service log D / B, or if the payment support conditions for the composite account from the account opening server 200 to one or more non-face-to-face transaction server 205 is reset / modified, the The supplementary service management ledger 215 modifies (or updates) the supplementary service ledger 210 information related to the payment support in a state in which the payment support supplementary service ledger 210 is activated. It is preferable to generate additional service ledger 210 log information for resetting / modifying the payment support supplementary service ledger 210 and storing the additional service ledger 210 in the additional service log D / B, or the account opening server 200 to one or more ratios. When the payment support condition for the composite account is restored from the face-to-face transaction server 205, the additional service manager ledger 215 deactivates the payment support supplementary service ledger 210 to the composite account ledger 225 to. After deleting from the customer ledger 230, it is preferable to generate additional service ledger 210 log information for deleting the payment support additional service ledger 210 and store it in the additional service log D / B.

Alternatively, when the request / or set-up of the composite account is requested (or set) from the account opening server 200 associated with the ledger system or one or more non-face-to-face transaction servers 205, the additional service management ledger 215 ) Activates the billing / storing supplementary service ledger 210 and adds it to the composite account ledger 225 to the customer ledger 230, and then adds the supplementary service ledger 210 to the billing / storing supplementary service ledger 210. It is preferable to generate the log information and store in the additional service log D / B, or the billing / storage setting conditions for the composite account is reset from the account opening server 200 to one or more non-face-to-face transaction server 205 If modified, the supplementary service management ledger 215 may receive supplementary service ledger 210 information related to the billing / receipt setting while the billing / storing supplementary service ledger 210 is activated. After the (or update) it is preferable to generate the additional service ledger 210 log information for resetting / modifying the billing / storage supplementary service ledger 210 and store in the additional service log D / B, or the account opening server When the billing / receipt setting condition for the composite account is restored from 200 to one or more non-face-to-face transaction server 205, the supplementary service management ledger 215 may be configured to execute the billing / receiving supplementary service ledger 210. After deactivating and deleting from the multi-account ledger 225 to the customer ledger 230, and generates additional service ledger 210 log information for deleting the billing / storage additional service ledger 210 to the additional service log D / B It is desirable to store.

Alternatively, when the record information extension for the compound account is requested (or set) from the account opening server 200 associated with the ledger system or one or more non-face-to-face transaction servers 205, the additional service management ledger 215 Activate the record information extension additional service ledger 210 and add it to the composite account ledger 225 to the customer ledger 230, and then the additional service ledger 210 for the addition of the record information extension additional service ledger 210. It is preferable to generate log information and store it in the additional service log D / B, or record information extension for the composite account is reset / modified from the account opening server 200 or one or more non-face-to-face transaction servers 205. In this case, the supplementary service management ledger 215 may receive additional service ledger 210 information related to the record information extension while the record information extension supplementary service ledger 210 is activated. After setting (or updating), it is preferable to generate additional service ledger 210 log information for resetting / modifying the recorded information extended value added service ledger 210 and storing it in the additional service log D / B, or the account. In the case of restoring the extension of the record information for the composite account from the establishment server 200 or the one or more non-face-to-face transaction servers 205, the additional service management ledger 215 may be configured to execute the record information extension additional service ledger 210. After deactivating and deleting from the multi-account ledger 225 to the customer ledger 230, and generates the additional service ledger 210 log information for deleting the record information extension additional service ledger 210 to the additional service log D / B It is desirable to store.

According to the present invention, the ledger operating interface 220, an account opening channel for opening the composite account for the non-face-to-face transaction on the ledger system in the account opening server 200, or one or more non-face-to-face transaction server ( A ledger management system (e.g., a database management system) that interfaces with a ledger system at 205 to interface a financial transaction channel for processing one or more non-face-to-face financial transactions (or payments) via the non-face-to-face composite account. In addition, the account opening server 200 to the one or more non-face-to-face transaction server 205, one or more ledger generation request, various ledger information storage / update and one or more additional service ledger 210 the composite account ledger 225 ) To an interface for adding / deleting to the customer ledger 230.

According to the method of the present invention, when the opening of the non-face-to-face transaction composite account is requested from the account opening server 200, the ledger operating interface 220 corresponds to the account opening request on the ledger system. Create a customer ledger 230, a composite account ledger 225, and one or more value-added service ledgers 210 corresponding to the non-face-to-face complex account, and the customer ledger 230 and the composite account ledger 225 as relational While connected, it is preferable that the additional service management ledger 215 is generated to process one or more additional service ledgers 210 to be added / deleted to the multi-account ledger 225 to the customer ledger 230.

Alternatively, when a non-face-to-face financial transaction is requested from the one or more non-face-to-face transaction server 205 through the non-face-to-face transaction composite account, the ledger operation interface 220 may include a compound account ledger corresponding to the non-face-to-face transaction composite account ( 225) to the customer ledger 230, through the additional service management ledger 215 to identify one or more additional service ledger 210 added to the multiple account ledger 225 to the customer ledger 230, After confirming various attributes / conditions of the non-face-to-face transaction composite account set through the confirmed additional service ledger 210, the non-face-to-face transaction composite according to the various attributes / conditions of the identified non-face-to-face transaction composite account It is preferable to process non-face-to-face financial transactions for the account and apply it to the composite account ledger 225.

Alternatively, when the account opening server 200 or the one or more non-face-to-face transaction server 205 is requested to add one or more additional service ledger 210 to the compound account ledger 225 to the customer ledger 230, the The ledger operation interface 220 generates (or confirms) one or more additional service ledgers 210 to be added to the composite account ledger 225 to the customer ledger 230, and through the additional service management ledger 215. It is preferable to activate one or more additional service ledger 210 generated (or confirmed) and add it to the composite account ledger 225 to the customer ledger 230, in which case the composite account ledger 225 is added to the added account ledger 225. It is preferable to preferentially apply the attributes / conditions of the supplementary service ledger 210.

Alternatively, when the account opening server 200 to the one or more non-face-to-face transaction server 205 is requested to delete one or more additional service ledger 210 from the compound account ledger 225 to the customer ledger 230, the ledger The operation interface 220 checks whether the at least one additional service ledger 210 requested to be deleted is added to the compound account ledger 225 to the customer ledger 230 through the additional service management ledger 215. When it is confirmed that the deletion-added additional service ledger 210 is added to the compound account ledger 225 to the customer ledger 230, the deletion-added additional service ledger 210 is deactivated through the additional service management ledger 215. It is preferable to add to the composite account ledger 225 to the customer ledger 230, in which case it is preferable that the composite account ledger 225 is preferentially applied to its own attributes / conditions .

Alternatively, one or more ledgers included in the non-face-to-face transaction composite account from the account opening server 200 to one or more non-face-to-face transaction servers 205 (eg, the customer ledger 230, the composite account ledger 225), When the ledger information correction (or update) for one or more additional service ledger 210 is requested, the ledger operation interface 220 checks the ledger to be modified (or updated), and then the ledger to be modified (or updated). It is preferable to modify (or update) the ledger information included in the above to the corrected (or update) target ledger information.

3 is a diagram illustrating a process for applying for opening a multiple account for a non-face-to-face transaction according to an embodiment of the present invention.

In more detail, FIG. 3 is a non-face-to-face and non-real-name financial account opening interface of the client terminal 580 on the financial account opening system shown in FIG. 1, through the customer information, account setting information, loan setting information, and non-face-to-face authentication. When the account opening request information including one or more information is transmitted to a financial institution, the financial institution reads the account opening request information and authenticates the validity of opening the multi-account for non-face-to-face transaction. Those skilled in the art may refer to and / or modify this drawing 3 to implement various methods of applying for the process of opening a multi-account for non-face-to-face transactions (e.g., some steps may be omitted or the order may be changed). Method) can be inferred, but the present invention comprises all the inferred methods of inference, Only an exemplary method illustrated in figure 3 is not limited that technical feature.

3, the client terminal 580 on the financial account opening system shown in FIG.

Referring to FIG. 3, the terminal accesses the server through a communication network, connects a communication channel, registers non-face-to-face authentication information for opening a non-face-to-face transaction complex account, and uses the registered non-face-to-face authentication information. Face-to-face authentication is performed (300).

According to an embodiment of the present invention, the terminal is connected to the server for non-face-to-face authentication including at least one ID / PW registration and / or issuing / re-issuance or other certificate registration for opening the complex account for non-face-to-face transaction It is preferable to register the information and perform face-to-face authentication for opening the complex account for the non-face-to-face transaction through the registered ID / PW and / or an official certificate (or another certificate).

If the non-face-to-face authentication for opening the non-face-to-face transaction composite account is confirmed (305), the terminal requests a web page for opening the non-face-to-face transaction composite account (310), and correspondingly the server One or more web pages including a user interface for opening one or more compound accounts to enter (or select) the account opening request information including one or more of the customer information, account setting information, loan setting information and non-face-to-face authentication information. Generate (or extract) (315), transmit and output one or more webpages including a user interface for opening one or more composite accounts to the terminal according to a preset webpage providing procedure (320), and correspondingly, the terminal The advertisement may be transmitted through a user interface for opening one or more compound accounts included in the received and output one or more web pages. Information and account setup information and loan setting information and the non-face-to-face authentication input the account opening request information including at least one information (or selected) and (325).

Here, the customer information included in the account opening request information, personal information of the customer requesting to open the non-face-to-face complex account (for example, the name of the customer, social security number, address, telephone number, mobile phone number, e-mail address, etc.) ) And one or more member information of the customer (eg, ID / PW information assigned to the customer by joining the customer as a financial transaction customer of the financial institution).

The account setting information included in the account opening request information includes basic setting information for the non-face-to-face complex account, interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, and record information expansion of the compound account. It is preferable to include at least one additional service setting information for.

Here, the basic setting information of the account setting information includes account setting information for generating financial account information for the non-face-to-face transaction composite account and request setting for setting the transaction attribute of the non-face-to-face transaction composite account. Information, earned setting information, deferred setting information, resale-linked setting information, mileage / coupon setting information for providing mileage / coupon through the non-face-to-face multi-account account, and separately within a predetermined small range without credit / collateral confirmation It is desirable to include one or more small loan setting information for approving the loan without a loan review.

The account setting information included in the basic setting information of the account setting information generates an account number corresponding to the financial account information for the non-face-to-face compounded account, and the financial institution number corresponding to the non-face-to-face compounded account. (Or a code), it is preferable that the information is assigned to an account alias and to include information for issuing an account link card.

The required payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) a required payment transaction attribute in the non-face-to-face complex account. And information for setting (or activating) the earned transaction attribute in the face-to-face transaction complex account, and the deferred setting information includes information for setting (or activating) the deferred transaction attribute in the non-face-to-face complex account. Preferably, the resale association setting information includes information for setting (or activating) a resale association transaction attribute (eg, an investment product connection attribute) in the non-face-to-face complex account.

According to the method of the present invention, the non-face-to-face complex account is preferably made by including one or more of the transaction attributes (eg, the union of multiple transaction attributes) among the required attribute, the accumulated attribute, the deferred attribute, and the resale associated attribute. .

In addition, the microlending setting information included in the basic setting information of the account setting information is within a predetermined small amount range without confirmation of credit / securities according to the customer's request (or a predetermined loan policy) with respect to the non-face-to-face complex account. It is desirable to include information to approve the loan without a separate loan screening.

According to an exemplary embodiment of the present invention, at the time of non-face-to-face non-face-to-face transaction combination account opening among the basic setting information of the account setting information, one of the demand setting information, earning setting information, deferred setting information, and mileage / coupon setting information At least one setting information set by the customer and not set at the time of opening the account among the required setting information, the earning setting information, the deferred setting information and the mileage / coupon setting information may be used in the process of using the non-face-to-face compound account. Preferably, it is set manually by a customer (or automatically by a financial institution policy), and among the basic setting information of the account setting information, the resale association setting information and the micro loan setting information may be used for the non-face-to-face transaction account. After real name verification, manually by the customer (or automatically by financial institution policy) To be set is preferably a).

According to another exemplary embodiment of the present invention, at the time of opening a non-nameless non-face-to-face transaction complex account among basic setting information of the account setting information, among the request setting information, earning type setting information, deferred setting information, and mileage / coupon setting information It is preferable that at least one is automatically set by a financial institution policy. In this case, among the basic setting information of the account setting information, demand setting information, earning setting information, deferred setting information and mileage / coupon setting information can be omitted. However, one or more setting information, which is not set at the time of opening the account, among the required setting information, earning setting information, deferred setting information, and mileage / coupon setting information may be manually set by the customer in the process of using the non-face-to-face complex account. (Or automatically by a financial institution policy), and the resale-linked setting information and the microloan setting information among the basic setting information of the account setting information may be set after the real name confirmation of the non-face-to-face complex account. Is preferably set manually (or automatically by financial institution policy).

According to another exemplary embodiment of the present invention, at the time of opening a non-nameless non-face-to-face transaction complex account among basic setting information of the account setting information, among the request setting information, earning type setting information, deferred setting information, and mileage / coupon setting information It is preferable that at least one is set manually by a customer (or automatically by a financial institution policy), and set at the time of opening the account among the demand setting information, earning setting information, deferred setting information and mileage / coupon setting information. It is preferable that the one or more setting information, the resale association setting information, and the microloan setting information are set manually by the customer (or automatically by financial institution policy) after confirming the real name of the non-face-to-face complex account. Do.

In addition, the additional service setting information of the account setting information, interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, billing support additional service setting information, billing for the non-face-to-face complex account It is preferable to include one or more additional service setting information of the storage / additional service setting information, record information extension additional service setting information.

The interest rate adjustment additional service setting information included in the additional service setting information of the account setting information may be used to add / reduce the interest rate for the non-face-to-face compound account without adding or canceling an account (for example, between the customer and the financial institution). Add interest rates or discount interest rates during the terms of the agreement), add / reduce promotion rates (eg, add interest rates by promotion of financial institutions (or affiliated institutions) or discount interest rates), or rejoin Long term interest rate additions / discounts (e.g., reinstatement of a customer, or long-term account retention, or additional interest rates or discounted credit rates); cumulative mileage additions / discounts (e.g. in financial institutions (or affiliates)) It is desirable to include information that adds one or more interest rates or discounts credit rates based on the accumulated mileage accumulated. It is right.

The tax additional service setting information included in the additional service setting information of the account setting information may be taxed / non-taxed for a specific period of time (eg, a contract period) for the non-face-to-face complex account without a new account / cancellation. , Taxable / nontaxable for one or more transactional attributes included in the non-face-to-face transaction composite account or the non-face-to-face transaction composite account.

The fee adjustment additional service setting information included in the additional service setting information of the account setting information is for a specific period (for example, a contract period or a promotion period, etc.) for the non-face-to-face complex account without a separate account new / cancellation. Fee reduction (e.g., fee reduction by agreement between customer and financial institution), fee reduction by promotion (e.g., fee reduction by customer's inclusion (or subscription) in the promotion of financial institution (or affiliate)), fee It is preferred to include information for setting one or more coupon exchange (eg, fee reduction through a fee reduction coupon provided by a financial institution (or affiliated agency) or purchased by a customer).

The payment support additional service setting information included in the additional service setting information of the account setting information may be account transfer payment through the non-face-to-face transaction complex account, or card payment processing through a card associated with the non-face-to-face transaction complex account. City, mileage accumulation according to the payment processing (for example, mileage accumulation provided by a financial institution (or affiliated agency) in response to payment processing), fund support (for example, fund operator (national agency / local device organization operating welfare fund) , The insurance company that manages the benefits, the pension manager who manages the pension, etc., approves some (or all) of the payment authorizations through the funds provided to the customer, and the payment fee reduction (e.g., Promotion, or payment fee reduction based on payment attributes, discount coupon exchange through mileage Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the affiliate service provider of the specific partners.

The billing / storage additional service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face transaction account without a new account / cancellation (for example, the one or more billing institutions (= A medium for storing billing information charged to a non-face-to-face compound account for a certain period of time), providing a disposable storage account (eg, billing to the customer (= name of a non-face-to-face compound account) at one or more billing institutions). Providing a one-time account created to receive a single charge), a virtual account for deposit account classification (e.g., storing charges charged to the customer (= name of a non-face-to-face combined account) by one or more billing institutions) Virtual accounts for each billing institution), automatic payment (e.g., direct debit of billing institution), electronic bill payment management (e.g. The ever paid billing agency specific charge through the electronic bill charged), escrow (Escrow) (e. G., Be made of, including information set up at least one intermediate account) it is preferable to pay the charge by charge engine.

The record information extension additional service setting information included in the additional service setting information of the account setting information may be recorded as an additional information record for the merchant (or SOHO) in the non-face-to-face complex account without a new account / termination. For example, deposit details of merchants' accounts (or SOHO's) into one or more criteria, record deposits automatically (e.g., receivables loans), deposit amount classification / aggregation (e.g., non-face-to-face) Classifying and counting the amount of money deposited into a trading account according to one or more criteria), including information for setting one or more information on deposit and withdrawal information (e.g., deposit history information or withdrawal history information for a non-face-to-face transaction account). It is preferable to make.

According to an exemplary embodiment of the present invention, at the time of opening a non-real name non-face-to-face transaction composite account among the additional service setting information of the account setting information, the interest rate adjustment additional service setting information, tax additional service setting information, and fee adjustment additional service setting information Preferably, at least one of payment support additional service setting information, billing / storage additional service setting information, and record information extension additional service setting information is set manually by a customer (or automatically by a financial institution policy). The adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, payment support additional service setting information, billing / receiving additional service setting information, and record information extension additional service setting information are not set at the time of opening the account. One or more pieces of configuration information may be included in the non-face-to-face transaction composite account. It is for the process (or after confirmation of blindness for complex accounts for the non-face-to-face transactions) is set manually (or automatically by the financial institution policy) is preferred by the customer.

Those skilled in the art to which the present invention pertains, the above-described interest rate adjustment additional service setting information, tax additional service setting information, fee adjustment additional service setting information, payment support additional service setting information, billing / storing additional service setting In addition to the information and record information extension additional service setting information, one or more other additional service setting information may be inferred, and it will be apparent that the present invention includes all the inferable additional service setting information.

The loan setting information included in the account opening request information may be used in a non-face-to-face manner without a separate face-to-face confirmation (eg, a customer visits a financial institution and face-to-face authentication through an identification card) for the non-face-to-face complex account. Credit loan setting information for application, examination, and approval, and collateral loan for the non-face-to-face complex account in a non-face-to-face manner without a separate face-to-face confirmation (for example, when a customer visits a financial institution and face-to-face authentication through ID) It is desirable to include one or more sets of mortgage loan information for application, review and approval.

Here, the credit loan setting information, when the non-face-to-face non-face-to-face composite account is opened, if the real name of the non-face-to-face composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name Based on the confirmation, the information is applied to apply for the credit in a non-face-to-face manner without face-to-face confirmation with the customer, and in response to setting the financial institution to examine and approve the credit loan application, credit loan authentication information (eg, credit) Password for the loan application).

The mortgage loan setting information is, when a non-face-to-face non-face-to-face transaction composite account is opened, and the real name of the non-face-to-face transaction composite account is confirmed (for example, customer real name authentication through face-to-face verification), the real name verification is confirmed. Based on the non-face-to-face application for collateral loans without face-to-face confirmation for the customer, and in response to setting the financial institution to examine and approve the secured loan application, collateral loan authentication information (eg, collateral loan application) It is preferable to include a password for).

According to the exemplary embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of the person skilled in the art, and in this case, the loan setting information may be used in the process of using the composite account for the non-face-to-face transaction (or the non-face-to-face transaction). After confirmation of the real name for the composite account for the account, it is preferable that the customer is set manually (or automatically by the financial institution policy).

The non-face-to-face authentication information included in the account opening request information may be used to authenticate the validity of a customer who opens a compound account for non-face-to-face transaction through a communication network in a non-real name state (= real name unidentified state through face-to-face verification), and to verify the validity of the account opening. As information for, the ID / PW-based authentication information and the authentication certificate-based authentication information includes one or more, according to the intention of the skilled person in addition to the account opening password registered in the non-face-to-face authentication process provided in the account opening server 200 It is preferable to comprise.

According to the embodiment of the present invention, the non-face-to-face authentication information may be omitted in the account opening request information according to the intention of the person skilled in the art, and the present invention is not limited thereto.

If the account opening request information including one or more of the customer information, the account setting information, the loan setting information, and the non-face-to-face authentication information is input (or selected) through the user interface for opening the compound account (330), the terminal communicates. The input (or selection) of the account opening request information is transmitted to the server through a channel (335). In response, the server receives the account opening request information through the communication channel, and then the account opening request information. Check the effectiveness of opening the non-face-to-face composite account through (340).

According to the method of the present invention, when the account opening request information is encrypted according to an encryption / decryption method, the server decrypts the account opening request information according to the encryption / decryption method, so that the account opening request information is displayed. It is advisable to verify that the validity for opening a non-face-to-face compound account is met.

Alternatively, when the electronic signature is attached to the account opening request information, the server checks the electronic signature attached to the account opening request information, thereby validating the account opening request information for opening the composite account for the non-face-to-face transaction. It is desirable to confirm that it is satisfactory.

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

According to the implementation method of the present invention, the validity of the opening of the combined account for non-face-to-face transaction through the account opening request information is registered at least one ledger matched with the account opening request information in the ledger system associated with the financial account opening system It is preferable to include checking whether it is done.

For example, the confirmation of the validity of the open account for non-face-to-face transaction using the account opening request information may include customer information (customer personal information, member information, etc.) included in the account opening request information associated with the financial account opening system. It is preferable to include a check that matches the customer ledger 230 on the ledger system, if the customer ledger 230 matching the account opening request information is not registered in the ledger system, the account opening request information is It is preferable to check whether the validity for opening the non-face-to-face composite account is satisfied.

When the non-face-to-face authentication information is included in the account opening request information according to an embodiment of the present invention, the validation of the open account for the non-face-to-face transaction through the account opening request information further includes authenticating the non-face-to-face authentication information. It is preferable to make it.

If the non-face-to-face transaction open account validity is not authenticated (345), the server generates a complex account open error information and transmits to the terminal (350).

On the other hand, if the validity of opening the non-face-to-face composite account is verified (345), the server performs the required payment, earning type, deferred type, resale association, mileage / coupon, and small loan based on the confirmed account opening request information. It includes a combination of non-face-to-face transaction functions including the above, and interest rate adjustments, taxes, fee adjustments, payment support, billing / receipt, and record information expansion can be performed manually (or automatically) according to customer selection (or financial institution policy). Open a non-face-to-face compound account.

4A and 4B illustrate a process of opening a compound account for non-face-to-face transactions according to an embodiment of the present invention.

In more detail, FIGS. 4A and 4B show the customer information, the account setting information, and the loan setting information from the client terminal 580 shown in FIG. If the account opening request information including one or more non-face-to-face authentication information is received and the validity for opening the non-face-to-face transaction composite account is authenticated, the account opening server 200 shown in FIG. 1 is shown in FIG. In conjunction with the multi-account ledger (225) system, a non-face-to-face transaction function including one or more of the above-mentioned demand, earning, deferred payment, resale linkage, mileage / coupon, and small loan, and combined with interest rate adjustment, tax, fee adjustment, payment Open a non-face-to-face complex account where support, billing / receiving, and extended record information can be manually (or automatically) released based on customer choice (or financial institution policy). Is for a process, and those skilled in the art to which the present invention pertains, various implementation methods for the process of opening the composite account for the non-face-to-face transaction by referring to and / or modifying the drawings (a) and (b) However, some steps may be omitted, or the order of implementation may be changed), but the present invention may include all the implementation methods inferred, and the technical description may be made only by the implementation methods shown in FIGS. 4A and 4B. Features are not limited.

For example, Figures 4a and 4b after generating the customer ledger 230, the composite account ledger 225 and the loan ledger for the non-face-to-face composite account in advance, one or more of the composite account for the non-face-to-face transaction After the additional service ledger 210 is generated and described as being added to the composite account ledger 225 to the customer ledger 230, it will be described. However, the process for establishing a non-face-to-face transaction composite account of the present invention is never limited. In the non-face-to-face transaction composite account opening process according to the present invention, the customer ledger 230, the composite account ledger 225 and the loan ledger and one or more additional service ledger 210 are simultaneously generated or one or more additional services After the ledger 210 is pre-generated, it is clear that the customer ledger 230, the composite account ledger 225, and the loan ledger are all included.

Hereinafter, the account opening server 200 on the financial account opening system shown in FIG. 1 in FIGS. 4A and 4B will be referred to as "server" for convenience.

4A and 4B, the account opening request information including at least one of customer information, account setting information, loan setting information, and non-face-to-face authentication information is applied through the application process for opening a non-face-to-face complex account shown in FIG. Is received and the validity for opening the non-face-to-face transaction composite account is authenticated, the server is a customer for the financial account corresponding to the non-face-to-face transaction composite account based on the customer information included in the account opening request information. Generates ledger 230 information, generates composite account ledger 225 information for the financial account corresponding to the non-face-to-face composite account based on the account setting information, and generates the non-based based on the loan setting information. On the ledger system for generating loan ledger information for the face-to-face compounded account (400) and operating the ledger for the non-face-to-face compounded account. Generate customer ledger (230) and combined account ledger (225), and loans corresponding to the financial ledger account corresponding to machine complex accounts for non-face-to-face transactions (400).

According to an embodiment of the present invention, the server may be a customer ledger to be stored in the customer ledger 230 for the financial account corresponding to the non-face-to-face complex account based on the customer information included in the account opening request information ( 230) It is desirable to generate information.

Here, the customer ledger 230 information, the customer's personal information (for example, customer's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and member information included in the customer information of the account opening request information (E.g., member ID information), and a customer number (e.g., a Customer Information File (CIF), etc.) to be assigned to the customer.

In addition, the server is based on the basic setting information of the account setting information included in the account opening request information, the basic account ledger information, the required ledger information, the reserve ledger information for the financial account corresponding to the non-face-to-face complex account It is preferable to generate the compound account ledger 225 information including at least one of the following information, such as a deferred ledger information, resale linked ledger information, mileage / coupon ledger information, small loan ledger information.

Here, the basic account ledger information, the account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= Card including a representative account number), and the financial institution number (or code) corresponding to the non-face-to-face transaction composite account and one or more account aliases, and the card associated with the non-face-to-face transaction composite account. If is issued, it is preferable that the card further comprises the card information corresponding to the account-linked card.

The request ledger information includes request property information of the non-face-to-face complex account set through the request setting information among basic setting information of the account setting information included in the account opening request information, and through the request setting information It is preferable that the generated required account number (= required account number of the non-face-to-face transaction complex account) is further included, and preferably further comprises the required amount of money information set to the initial value '0'.

The earned meal ledger information, including the earned food attribute information of the non-face-to-face complex account set through the earned food setting information of the basic setting information of the account setting information included in the account opening request information, through the earned food setting information It is preferable to further include the generated earning account number (= earning subaccount number of the non-face-to-face complex account), it is preferable to further comprise the earning amount information set to the initial value '0'.

The deferred ledger information includes deferred attribute information of the non-face-to-face complex account set through deferred setup information among basic setup information of account setup information included in the account opening request information, and through the deferred setup information It is preferable to further include the generated deferred account number (= deferred sub-account number of the non-face-to-face complex account), and preferably further comprises deferred amount information set to the initial value '0'.

The resale linked ledger information includes resale associated attribute information of the non-face-to-face complex account set through resale association setting information among basic setting information of account setting information included in the account opening request information. It is preferable that the resale linked account number generated through the setting information (= resale linked sub-account number of the non-face-to-face complex account) further comprises a resale-linked amount information set to the initial value '0' It is preferable to make.

The mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face complex account set through mileage / coupon setting information among basic setting information of account setting information included in the account opening request information. , The mileage / coupon account number generated through the mileage / coupon setting information (= value-based sub-account number for mileage / coupon operation of the non-face-to-face complex account for accounting) is preferably made, the initial value ' It is preferable that the mileage / coupon value information set to 0 'is further included.

The microloan ledger information includes microloan attribute information of the non-face-to-face complex account set through microloan setting information among the basic setting information of the account setting information included in the account opening request information, and the microloan It is preferable to further comprise a small loan account number (= small loan subaccount number of the non-face-to-face complex account) generated through the setting information, and further comprises a small loan amount information set to the initial value '0' It is preferable to make.

According to another embodiment of the present invention, if the account opening request information is omitted one or more of the demand setting information, earning type setting information, deferred setting information, resale association setting information, mileage / coupon setting information, small loan setting information, Preferably, the server does not generate the omitted ledger information. In this case, the omitted ledger information may be used in the process of using the composite account for the non-face-to-face transaction (or after checking the real name of the composite account for the non-face-to-face transaction). Is preferably set manually (or automatically by financial institution policy).

The server may further include at least one loan ledger information and at least one loan ledger information for a financial account corresponding to the non-face-to-face transaction complex account based on the loan setting information included in the account opening request information. It is desirable to generate information.

Herein, the credit ledger information includes credit loan condition information of the non-face-to-face complex account set through credit loan setting information among loan setting information included in the account opening request information, and the credit loan setting information. It is preferable that the credit loan account number (= credit loan sub account number of the non-face-to-face combined transaction account) generated through the, further comprises a credit amount information set to the initial value '0' desirable.

The mortgage ledger information includes collateral loan condition information of the non-face-to-face transaction complex account set through collateral loan setting information among loan setting information included in the account opening request information, and through the collateral loan setting information. It is preferable to further include the generated collateral loan account number (= collateral loan subaccount number of the non-face-to-face complex account), and preferably further comprises collateral loan amount information set to the initial value '0'. .

According to another embodiment of the present invention, if one or more of the credit setting information and the security loan setting information are omitted from the account opening request information, the server preferably does not generate the omitted ledger information. The omitted ledger information may be set manually by the customer (or automatically by a financial institution policy) during the process of using the non-face-to-face compound account (or after checking the real name of the non-face-to-face compound account). Do.

In addition, the server checks the ledger system for operating the ledger for the non-face-to-face composite account, and combined with the customer ledger 230 for the financial account corresponding to the non-face-to-face composite account on the ledger system It is desirable to create an account ledger 225 and a loan ledger.

Here, the customer ledger 230 may include one or more information fields for storing personal information, member information, and customer number included in the generated customer ledger 230 information. The field is preferably initialized to a null value.

The composite account ledger 225 stores the account number (= representative account number of the non-face-to-face composite account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face composite account, And a basic account ledger made up of one or more information fields for further storing the financial institution number (or code) corresponding to the non-face-to-face transaction account, the account alias, and further storing the account linked card information. Preferably, each information field of the basic account ledger is preferably initialized to a null value.

In addition, the composite account ledger 225 stores the required payment attribute information included in the required payment ledger information for the financial account corresponding to the non-face-to-face transaction composite account, and the generated required payment account number (= the non-face-to-face transaction) And a request ledger made up of one or more information fields for further storing the required subaccount number) and the required amount of information of the composite account. Each information field of the required ledger is set to a null value. It is preferable to initialize.

In addition, the composite account ledger 225 stores the earning type attribute information included in the earning ledger information for the financial account corresponding to the non-face-to-face compounding account, and the generated earning account number (= the non-face-to-face transaction) For example, it is preferable to include an accumulation ledger made up of one or more information fields for further storing information on the accumulated subsidiary account number of the composite account) and the accumulated amount information, and each information field of the accumulated ledger is set to a null value. It is preferable to initialize.

In addition, the composite account ledger 225 stores the deferred attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated deferred account number (= the non-face-to-face transaction) It is preferable to include a deferred ledger made up of one or more information fields for further storing the deferred subaccount number of the composite account) and the deferred amount information, each information field of the deferred ledger is a null value It is preferable to initialize.

In addition, the multi-account ledger 225 stores the resale-linked attribute information included in the resale-linked ledger information for the financial account corresponding to the non-face-to-face compounded account, the generated resale linked account number (= the It is preferable to include a resold linked ledger including a resold linked sub account number of the non-face-to-face complex account) and one or more information fields for further storing the resold linked amount information, and each information field of the resold linked ledger. Is preferably initialized to a null value.

In addition, the composite account ledger 225 stores mileage / coupon attribute information included in mileage / coupon ledger information for a financial account corresponding to the non-face-to-face transaction composite account, and generates the generated mileage / coupon account number. (= Value subaccount number for mileage / coupon operation of the non-face-to-face transaction account) and mileage / coupon ledger including one or more information fields for further storing mileage / coupon value information. Preferably, each information field of the mileage / coupon ledger is initialized to a null value.

In addition, the composite account ledger 225 stores the microloan attribute information included in the microloan ledger information for the financial account corresponding to the non-face-to-face composite account, and the generated microloan account number (= the It is preferable to include a small loan ledger composed of a small loan subaccount number) and one or more information fields for further storing the small loan amount information of the non-face-to-face multiple transaction account, each information field of the small loan ledger Is preferably initialized to a null value.

According to another embodiment of the present invention, when one or more of the required ledger information, accumulated ledger information, deferred ledger information, reselling ledger information, mileage / coupon ledger information, small loan ledger information is omitted by the server, the server It is preferable not to generate a ledger matching the omitted ledger information, in which case the omitted ledger is used in the process of using the composite account for the non-face-to-face transaction (or after checking the real name of the composite account for the non-face-to-face transaction) It is desirable to be set manually by the customer (or automatically by financial institution policy).

The loan ledger stores credit loan condition information (for example, condition information for applying, reviewing and approving a credit loan in a non-face-to-face manner) included in the credit ledger information corresponding to the non-face-to-face complex account. At least one information for further storing the generated credit loan account number (= credit loan subaccount number of the non-face-to-face complex account), credit amount information, customer credit rating information, credit limit amount information for each credit rating; It is preferable to include a credit ledger including a field, and each information field of the credit ledger is preferably initialized to a null value.

In addition, the loan ledger stores mortgage loan condition information (eg, condition information for applying for, reviewing and approving a mortgage loan in a non-face-to-face manner) included in the mortgage ledger information corresponding to the non-face-to-face complex account. And, for storing the generated collateral loan account number (= collateral loan sub account number of the non-face-to-face complex account), collateral loan amount information, collateral loan information of the customer, and loan limit amount information for each collateral It is preferable to include a mortgage ledger including the above information field, and each information field of the mortgage ledger is preferably initialized to a null value.

According to another embodiment of the present invention, if one or more of the credit ledger information and the secured loan ledger information are omitted by the server, the server preferably does not generate a ledger matching the omitted ledger information. In this case, the omitted ledger may be set manually by the customer (or automatically by a financial institution policy) during the process of using the non-face-to-face compounded account (or after confirming the real name of the non-face-to-face transaction multi-account). It is preferable.

If in the ledger system, a customer ledger 230, a compound account ledger 225, and a loan ledger for a financial account corresponding to the non-face-to-face compounded account are created, and the customer ledger 230 and the compound account ledger 225 And the customer ledger information 230, the composite account ledger 225 information, and the loan ledger information corresponding to each of the loan ledgers are generated (410), the server is connected to the ledger system to the customer ledger 230 Stores the customer ledger 230 information, stores the composite account ledger 225 information in the composite account ledger 225, and stores the loan ledger information in the loan ledger (420).

If the customer ledger 230 and the composite account ledger 225 and the loan ledger, respectively, the customer ledger 230 and the combined account ledger 225 information and the loan ledger information are stored in the ledger system (420). The server reads the account opening request information and checks whether the account setting information included in the account opening request information includes at least one additional service setting information that is valid (425).

If it is confirmed that the account opening request information includes one or more additional service setting information valid (430), the server may include information on one or more additional service ledger 210 corresponding to the confirmed additional service setting information. According to the policy of the financial institution, one or more automatic setting additional service ledger 210 information to be automatically set in the non-face-to-face transaction composite account is generated (435), and the composite account ledger 225 generated on the ledger system Or at least one additional service ledger 210 corresponding to the generated additional service ledger 210 information in the customer ledger 230, respectively (440).

Here, the additional service ledger 210 information generated through the additional service setting information included in the account opening request information may include interest rate adjustment additional service ledger 210 information, tax additional service ledger 210 information, and fee adjustment additional service. Including one or more additional service ledger 210 information of the ledger 210 information, payment support additional service ledger 210 information, billing / storage additional service ledger 210 information, record information expansion additional service ledger 210 information It is preferable to make.

The interest rate adjustment supplementary service ledger 210 information may be added / discounted in a contract rate for the non-face-to-face complex account without new / cancellation of the account (for example, the interest rate received during the contract period by the agreement between the customer and the financial institution). Or discount the credit rate) by adding / deleting as a property of the non-face-to-face compound account and removing it by ledger information and promotion rate addition / discount (for example, by promotion of a financial institution (or affiliated institution)). Add / receive interest rate or discount the credit rate) as an attribute of the non-face-to-face compound account, and add / delete ledger information, re-join / long-term interest rate addition / discount (e.g. customer re-join, or account) Long-term to add or remove the interest rate or discount the credit rate) to add / delete as an attribute of the non-face-to-face transaction account Add / discount ledger information and mileage cumulative interest rates (eg, add interest rates based on the cumulative mileage earned by a financial institution (or affiliated institution) or discount the credit rate) as an attribute of the non-face-to-face compound account It is preferable to include at least one ledger information for removing / detaching.

The tax additional service ledger 210 information is taxable / non-taxable (eg, non-face-to-face complex account for a non-face-to-face transaction complex account) for a non-face-to-face transaction complex account without new account / cancellation. Or including at least one ledger information for adding / deleting one or more transaction attributes included in the non-face-to-face transaction account as an attribute of the non-face-to-face transaction account. Do.

The fee adjustment additional service ledger 210 information is a fee reduction (eg, with a customer) for a specific period of time (eg, a contract period or a promotion period) for the non-face-to-face complex account without a new account / cancellation. Ledger information for adding / deleting and removing the fee reduction due to the agreement between financial institutions as an attribute of the non-face-to-face complex account, and the fee reduction due to the promotion (for example, the customer in the promotion of the financial institution (or affiliated institution)) To provide / delete the fee reduction due to the inclusion (or subscription) as an attribute of the non-face-to-face transaction complex account, and to provide and remove ledger information, fee coupon exchange (eg, provided by a financial institution (or affiliated institution), or Fee reduction through customer-purchased fee reduction coupon) as an attribute of the non-face-to-face transaction complex account The chapter information preferably comprises one or more than one.

The payment support supplementary service ledger 210 information is a mileage according to the payment processing when the account transfer payment through the non-face-to-face complex account, or the card payment processing through the card associated with the non-face-to-face complex account Ledger information and fund support (e.g., funding) to add / remove credits (e.g., mileage credits provided by financial institutions (or affiliated institutions) in response to payment processing) as attributes of the non-face-to-face complex account. Recognizing some (or all) of payment approvals through funds provided to the client by an operator (a national agency / local device organization operating welfare funds, an insurance company operating insurance benefits, a pension operator managing pensions, etc.) Ledger information and payment fee reductions (eg, financial institutions (or affiliated institutions) Add / delete the payment fee according to the motion or payment property as an attribute of the non-face-to-face multi-account, and then exchange the ledger information and discount coupons through mileage (for example, discount coupons for mileage above a predetermined standard) Ledger information, affiliate discounts (e.g., discounts through the provision of affiliated services with specific affiliated organizations) to add / delete as an attribute of the non-face-to-face transaction composite account, It is preferable to include at least one ledger information for detachment by adding / deleting by the attribute of.

The billing / receipt supplementary service ledger 210 information is charged to the non-face-to-face transaction composite account without a separate account new / cancellation (e.g., the name of the customer (= non-face-to-face composite account in one or more billing institutions) ) Is a medium for storing billing information billed for) for a certain period of time), add / delete ledger information for detachment by adding / deleting as an attribute of the non-face-to-face complex account (eg, one or more billing institutions for the customer Ledger information and deposit account for adding / deleting (= provided a one-time account created to receive the charges billed to the non-face-to-face transaction account) as an attribute of the non-face-to-face transaction account A virtual account for classification (e.g., one or more billing agencies may store the amount charged to the customer (= holder of a non-face-to-face multiple account). Virtual account for each billing institution for the non-face-to-face transaction account to add / delete as an attribute of the non-face-to-face transaction complex account Ledger information and electronic bill payment management (e.g., paying bills by billing institution through electronic bills electronically billed through the telecommunications network) for adding / deleting and removing them as attributes of the non-face-to-face transaction account General ledger for adding / deleting ledger information for escalation by adding / deleting / deleting (e.g., an interim account for paying billing charges per billing institution) as an attribute of the non-face-to-face complex account It is desirable to include one or more pieces of information.

The record information extension supplementary service ledger 210 information is recorded in the non-face-to-face transaction complex account for additional merchant information (or SOHO) without additional account new / cancellation (eg, affiliated store (or SOHO). Ledger information for depositing / detaching by adding / deleting and recording the deposit history information to the account of)) according to one or more criteria as the expansion information of the non-face-to-face complex account (eg, sales) To add / delete a bond mortgage loan as an attribute of the non-face-to-face transactional account, classify the ledger information and deposit amount classification / aggregation (eg, the amount of money deposited into the non-face-to-face complex account according to one or more criteria) And aggregate) ledger information, deposit and withdrawal information (e.g., for a non-face-to-face complex account) It is preferable to include one or more ledger information for adding / deleting the deposit history information to the withdrawal history information) as extension information of the non-face-to-face transaction complex account.

In addition, at least one automatically set value added ledger 210 information automatically generated according to the policy of the financial institution, the interest rate adjustment additional service ledger 210 information, tax additional service ledger 210 information, fee adjustment additional service ledger (210) one or more additional services automatically set by the financial institution policy among the information, payment support supplementary service ledger 210 information, billing / storage supplementary service ledger 210 information, record information extension additional service ledger 210 information It includes the ledger 210 information, and preferably further comprises the real name verification additional service ledger 210 information for the real name identification management of the non-face-to-face complex account.

The real name verification additional service ledger 210 information is a limit value (eg, 500,000 won) for a transaction limit amount through the non-face-to-face transaction complex account until the real name verification of the face-to-face method for the non-face-to-face transaction composite account. , Or 2 million won), limiting one or more loans (e.g., including one or more small loans, credit loans, mortgage loans) through the non-face-to-face compound account, and for the non-face-to-face compound account It is preferable to include one or more ledger information that limits a part (or all) of mileage / coupon accumulation.

According to the method of the present invention, the real name verification additional service ledger 210 information is preferably deleted after the real name of the face-to-face method for the non-face-to-face transaction composite account, whereby the non-face-to-face transaction composite account It is desirable that the limits and restrictions for unidentified real names for are lifted.

According to the method of the present invention, the interest rate adjustment supplementary service ledger 210 generated in the ledger system in response to the generated interest rate adjustment supplementary service ledger 210 information is generated. Ledger information for adding / cutting contracted interest rates included in the information (e.g., adding interest rates or discounting credit rates during contractual terms between clients and financial institutions), adding / reducing promotional rates (e.g. finance Ledger information for adding interest rates or discounting credit rates by promotion of an institution (or affiliated agency), re-joining / long-term holding rate / adding / discounting (e.g. customer re-joining or long term account retention) Information on the ledger for adding a credit rate or discounting the credit rate, and accumulating the mileage accrued by a financial institution (or affiliated company). It is preferable to include one or more information fields for storing the ledger information for adding interest rate or discounting the credit rate in half, wherein each information field of the interest rate adjustment supplementary service ledger 210 is null. Is preferably initialized to

Alternatively, the tax added service ledger 210 generated in the ledger system in response to the generated tax added service ledger 210 information may include a specific period (eg, included in the generated tax added service ledger 210 information). One or more information for storing ledger information for taxation / non-taxation (e.g., non-face-to-face transaction composite accounts, or taxation / non-taxation on one or more transaction attributes included in the non-face-to-face transaction composite accounts) It is preferable to include a field, and each information field of the VAT ledger 210 is preferably initialized to a null value.

Alternatively, the fee adjustment additional service ledger 210 generated in the ledger system in response to the generated fee adjustment additional service ledger 210 information may include a specific period included in the generated fee adjustment additional service ledger 210 information. Ledger information for fee reductions (e.g., commission reductions between customers and financial institutions) during the contract period (e.g., contract periods or promotion periods), and fee reductions due to promotions (e.g., financial institutions (or affiliates)) Ledger information for fee reduction by the customer (or subscription) in the promotion, fee fee exchange (e.g., fee reduction provided by a financial institution (or affiliate) or purchased by the customer) It is preferable to include one or more information fields for storing the ledger information, the fee adjustment additional service ledger 210 Each information field of) is preferably initialized to a null value.

Alternatively, the payment support supplementary service ledger 210 generated in the ledger system in response to the generated payment support supplementary service ledger 210 information may accumulate mileage included in the generated payment support supplementary service ledger 210 information. Ledger information for funding (e.g. mileage credit provided by financial institutions (or affiliated institutions) in response to payment processing), funding support (e.g., fund managers (national agencies / local device organizations that run welfare funds) Ledger information for the payment of part (or all) of payment approvals through funds provided to the client by insurance companies, pension operators managing pensions, etc., promotion of payment fees reduction (e.g., promotion of financial institutions (or affiliates)) , Ledger information for payment fee reduction based on payment attributes, discount coupon exchange through mileage And ledger information for exchange of coupons) and at least one information field for storing ledger information for affiliate discounts (e.g., discounts through the provision of affiliate services with specific affiliate institutions). Each information field of the service ledger 210 is preferably initialized to a null value.

Alternatively, the billing / storing supplementary service ledger 210 generated in the ledger system in response to the generated billing / storing supplementary service ledger 210 information is included in the generated billing / storing supplementary service ledger 210 information. Ledger information for one-time invoices (e.g., a medium for storing billing information billed by the one or more billing institutions to the customer (= holder of a non-face-to-face multiple account) for a certain period of time) Ledger information for the claimant (generally provided for a non-face-to-face multiple account holder) to store the amount charged to the claimant; virtual account (eg, one or more billing) for deposit account classification Ledger information and automatic payment for the institution (virtual accounts for each billing institution to receive the amount charged by the institution to the customer (= nominee of the non-face-to-face combined account)) General ledger information (eg, direct debit for billing agency), ledger information for electronic bill payment management (eg, billing by billing agency through electronic billing electronically billed via telecommunications network), escrow It is preferable to include one or more information fields for storing the ledger information for (for example, an intermediate account for paying billing charges for each billing institution), each information field of the claim / storage supplementary service ledger 210 It is desirable to initialize to a null value.

Alternatively, the record information extension additional service ledger 210 generated in the ledger system in response to the generated record information extension additional service ledger 210 information is included in the generated record information extension additional service ledger 210 information. The non-face-to-face transaction account for recording additional payment information (e.g., classifying the deposit details of the merchant (or SOHO) according to one or more criteria) into the account of the merchant (or SOHO). Ledger information for adding / deleting and removing by extension information, ledger information for automatic deposit (e.g., receivable security loan), and deposit amount classification / aggregation (eg Ledger information and deposit and withdrawal information (e.g., deposit history information and withdrawal history information records for non-face-to-face combined accounts) according to one or more criteria. Each information field of preferably formed to include one or more information fields, and the extended recording information-added services director (210) for storing is preferably initialized to a null (NULL) value.

Alternatively, the real name verification additional service ledger 210 generated in the ledger system in response to the generated real name verification additional service ledger 210 information may be configured until the real name verification of the face-to-face method for the non-face-to-face transaction complex account is performed. Ledger information that manages the transaction limit amount through a non-face-to-face compound account within a preset limit amount (for example, 500,000 won or 2 million won), and one or more loans (eg, small loans) through the non-face-to-face compound account. And one or more information fields for storing ledger information that limits one or more of the mileage / coupon credits for the non-face-to-face multiple account. Preferably, the information field of the record information extension additional service ledger 210 is initialized to a null value. .

One or more additional service ledgers 210 associated with the multiple account ledger 225 to the customer ledger 230 are generated in the ledger system, and the additional service ledger 210 corresponding to the generated additional service ledger 210, respectively. When the information is generated (445), the server corresponds to each of the one or more additional service ledger 210 generated in association with the multi-account ledger 225 to the customer ledger 230 in association with the ledger system The additional service ledger 210 stores the information (450).

If each of the additional service ledger 210 information corresponding to each of the one or more additional service ledger 210 generated in the ledger system is stored (455), the server is linked to the ledger system and the additional service ledger 210 In step 460, the additional service ledger 210 in which the information is stored is added to the multiple account ledger 225 to the customer ledger 230.

According to an embodiment of the present invention, the server activates the additional service ledger 210 in which the additional service ledger 210 information is stored through the additional service management ledger 215 provided in the ledger system. It is preferable to process 210 to be added to the multiple account ledger 225 to the customer ledger 230.

In addition, the server generates the additional service ledger 210 log information for adding the additional service ledger 210 to the multi-account ledger 225 to the customer ledger 230 in association with the ledger system Process to be stored in the additional service log D / B provided in the system (465).

The additional service ledger 210 is added to the multiple account ledger 225 to the customer ledger 230, and the additional service ledger 210 log information corresponding to the additional service ledger 210 is added to the additional service log D. If the non-face-to-face transaction account is opened (430) or stored in / B (470) or the account opening request information does not include valid one or more additional service setting information, the server opens the account opening request information. And an account opening electronic document including financial account information of the financial account corresponding to the non-face-to-face complex account (475).

According to an embodiment of the present invention, the server includes customer account information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face complex account, and included in the account opening request information. Generate the electronic document information and the electronic document form including one or more non-face-to-face authentication result information through the non-face-to-face authentication information included in the account setting information and loan setting information and the account opening request information, After including the electronic document information, it is preferable to generate an electronic document for opening an account through encryption or electronic signature according to a preset electronic document generation method.

According to an exemplary embodiment of the present invention, the server includes customer account information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face complex account, and the account opening request information A document file including one or more non-face-to-face authentication result information through the non-face-to-face authentication information included in the account setting information and loan setting information included in the account opening request information, and a document file including the document content ( For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT) It is preferable to process the account opening electronic document for opening an account.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Generate document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and watermarking the electronic document verification information set in the document content. And a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC, etc.) containing the document content including the watermarking. Processor file, or web document file including MHT) into an account opening electronic document for opening a non-face-to-face compound account. It is desirable to.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Image content (eg, the document) generating document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capturing the document content. It is preferable to process an image file including image content generated by capturing contents on a memory into an account opening electronic document for opening a non-face-to-face compound account.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Generate image content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capture image content (eg, the Image content generated by capturing document content on a memory), and including predetermined electronic document verification information by a watermarking method, and then including an image file including the image content including the watermarking in the non-face to face transaction. It is preferable to process the account opening electronic document for opening an account.

According to another exemplary embodiment of the present invention, the server includes customer information included in the account opening request information and financial account information on a financial account corresponding to the non-face-to-face complex account, and the account opening request information Generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the information and non-face-to-face authentication information included in the account opening request information, and captures the document content. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory) The non-face-to-face transaction complex system by generating one or more word processor files or web document files including MHT) It is preferable to process the account opening electronic document for opening the account.

Alternatively, the server may include customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Image content (eg, the document) generating document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capturing the document content. Generating image content including electronic document verification information set in a watermarking manner in the image content generated by capturing the content on a memory and generating a document file (eg, the image content including the watermarking) One or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. By generating that the web document file, and so on) that include the word-processor file, or MHT that is preferably treated with account opening the electronic document for the non-face-to-face transaction account opening for composite.

According to another embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face complex account, the account opening request Generate document content including one or more non-face-to-face authentication result information through account setting information and loan setting information included in the information and non-face-to-face authentication information included in the account opening request information, and capture the document content (Capture Image content (eg, image content generated by capturing the document content on a memory) and a document file corresponding to the document content (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file), or By generating a word processor file including one or more HWP / DOC, or a web document file including MHT). That the account opening process to electronic documents for opening accounts, complex non-face-to-face transactions are preferred.

Alternatively, the server may include customer information included in the account opening request information and financial account information about a financial account corresponding to the non-face-to-face transaction complex account, and account setting information and loan included in the account opening request information. Image content (eg, the document) generating document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information included in the setting information and the account opening request information, and capturing the document content. Image content including the electronic document verification information set in a watermarking manner, and the document corresponding to the watermarking image content and the document content. Files (e.g., Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / D) By generating a word processor file including one or more OC, or a web document file including the MHT, etc.), it is preferable to process the account opening electronic document for opening the non-face-to-face complex account.

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

If an account opening electronic document corresponding to a non-face-to-face transaction open account is created (480), the server stores and stores the account opening electronic document as an electronic document repository through the communication network (485).

According to an embodiment of the present invention, the server may include electronic document related information (for example, customer information included in the account opening request information and the non-face-to-face complex account for generating electronic document management information in the electronic document server). And one or more financial account information, financial institution information, and electronic document file format information for the corresponding financial account), which can be transmitted to the electronic document repository, whereby the present invention is not limited thereto.

According to an embodiment of the present invention, it is preferable that the electronic document storage receives the account opening electronic document in the form of an image file or a document file from the account opening server 200 through the communication network.

According to an exemplary embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network is included in the account opening request information received by the account opening server 200 from the client terminal 580. Non-face-to-face including financial account information for the financial account corresponding to the customer information and the non-face-to-face complex account, and included in the account opening request information and loan setting information and the account opening request information One or more document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) including document contents including one or more non-face-to-face authentication result information through authentication information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the account opening electronic document received by the electronic document repository through the communication network may include non-face-to-face transactions with customer information included in the account opening request information received by the account opening server 200 from the client terminal 580. Non-face-to-face authentication through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information, including the financial account information for the financial account corresponding to the compound account After the electronic document verification information is included in the document content including one or more result information by a watermarking method, a document file including the document content including the watermarking (for example, PDF (Portable Document Format)). File, or an electronic data interchange (EDI) file, or a word processing file containing one or more HWP / DOC, or MHT. It is preferred which comprises a web, such as a document file) to.

Alternatively, the account opening electronic document received by the electronic document repository through the communication network may include non-face-to-face transactions with customer information included in the account opening request information received by the account opening server 200 from the client terminal 580. Non-face-to-face authentication through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information, including the financial account information for the financial account corresponding to the compound account Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more result information.

Alternatively, the account opening electronic document received by the electronic document repository through the communication network may include non-face-to-face transactions with customer information included in the account opening request information received by the account opening server 200 from the client terminal 580. Non-face-to-face authentication through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information, including the financial account information for the financial account corresponding to the compound account Watermarking method includes electronic document verification information set in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more result information. After that, it is made to include an image file including the image content including the watermarking desirable.

According to another exemplary embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network is included in the account opening request information received by the account opening server 200 from the client terminal 580. Non-face-to-face transaction information including the financial account information for the financial account corresponding to the non-face-to-face transaction complex account, the account setting information and loan setting information included in the account opening request information and the account opening request information Document file (e.g., image content including captured image content (e.g., image content generated by capturing the document content on a memory) including at least one non-face-to-face authentication result information through face-to-face authentication information) Words that contain one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. It comprises a processor file, or web page file, and so on) containing the MHT is desirable.

Alternatively, the account opening electronic document received by the electronic document repository through the communication network may include non-face-to-face transactions with customer information included in the account opening request information received by the account opening server 200 from the client terminal 580. Non-face-to-face authentication through the non-face-to-face authentication information included in the account setting information and loan setting information included in the account opening request information and the account opening request information included in the account opening request information Includes electronic document verification information set in a watermarking manner in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more result information. Generating an image content, and a document file including the image content including the watermarking (for example, It comprises a, PDF (Portable Document Format), the web document file, and so on) containing the file, or a word processor including EDI (Electronic Data Interchange), one or more files, or HWP / DOC, file, or MHT is preferred.

According to another exemplary embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network is based on the account opening request information received by the account opening server 200 from the client terminal 580. Includes customer information included and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Image content (e.g., image content generated by capturing the document content on a memory) and document content including one or more non-face-to-face authentication result information through non-face-to-face authentication information and corresponding document content. Document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, or HWP / DOC) It is preferred to comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

Alternatively, the account opening electronic document received by the electronic document repository through the communication network may include non-face-to-face transactions with customer information included in the account opening request information received by the account opening server 200 from the client terminal 580. Non-face-to-face authentication through the account setting information and loan setting information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information, including the financial account information for the financial account corresponding to the compound account Includes electronic document verification information set in a watermarking manner in image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more result information. Generating image content corresponding to the image content and the document content including the watermarking; Includes a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). It is preferable to make.

The electronic document archive stores an electronic document unique number (or unique information) to be assigned to the received account opening electronic document, and a date and time when the account opening electronic document is received (or a date and time at which the account opening electronic document is stored). And generating electronic document management information including electronic document storage date and time information.

According to an embodiment of the present invention, the electronic document repository checks the financial institution that sent the account opening electronic document with reference to the account opening server 200 that transmitted the received account opening electronic document, the confirmation It is preferable to generate the electronic document management information further including the financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server 200 through the electronic document storage, the received electronic document related information (eg, the account opening request information). Generating electronic document management information further comprising at least one of customer information included in the financial account information, financial institution information, and electronic document file format information for the financial account corresponding to the non-face-to-face complex account. desirable.

The electronic document storage is characterized in that the received account opening electronic document and the generated electronic document management information in a cooperative process and stored in the electronic document D / B.

According to an embodiment of the present invention, an account opening electronic document stored in the electronic document D / B by the electronic document storage is based on the account opening request information received from the client terminal 580 by the account opening server 200. Includes customer information and financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information. Document files (eg, Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) containing document contents including one or more non-face-to-face authentication result information through non-face-to-face authentication information. And at least one word processor file or web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B by the electronic document repository may include the customer information included in the account opening request information received by the account opening server 200 from the client terminal 580 and the ratio. Non-face-to-face authentication information included in the account setting information and loan setting information contained in the account opening request information, including the financial account information for the financial account corresponding to the face-to-face transaction complex account; After including the electronic document verification information preset in the document content including one or more face-to-face authentication result information by a watermarking method, a document file (eg, PDF (Portable Document) including the document content including the watermarking method. Format file, or EDI (Electronic Data Interchange) file, word processor file including one or more HWP / DOC, or MHT. It is preferred which comprises a web, such as a document file) to.

Alternatively, the account opening electronic document stored in the electronic document D / B by the electronic document repository may include the customer information included in the account opening request information received by the account opening server 200 from the client terminal 580 and the ratio. Non-face-to-face authentication information included in the account setting information and loan setting information contained in the account opening request information, including the financial account information for the financial account corresponding to the face-to-face transaction complex account; The image file may include an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including one or more face-to-face authentication result information.

Alternatively, the account opening electronic document stored in the electronic document D / B by the electronic document repository may include the customer information included in the account opening request information received by the account opening server 200 from the client terminal 580 and the ratio. Non-face-to-face authentication information included in the account setting information and loan setting information contained in the account opening request information, including the financial account information for the financial account corresponding to the face-to-face transaction complex account; Watermarking method for pre-configured electronic document verification information on the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including one or more face-to-face authentication result information After the inclusion, it is made to include an image file including the image content including the watermarking Is recommended.

According to another embodiment of the present invention, the account opening electronic document stored in the electronic document D / B in the electronic document storage account opening request information received by the account opening server 200 from the client terminal 580 It includes customer information included in the financial account information for the financial account corresponding to the non-face-to-face complex account, and included in the account setting information, loan setting information and the account opening request information included in the account opening request information A document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including one or more non-face-to-face authentication result information through the non-face-to-face authentication information For example, a Word document including at least one Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. A processor file, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B by the electronic document repository may include the customer information included in the account opening request information received by the account opening server 200 from the client terminal 580 and the ratio. Non-face-to-face authentication information included in the account setting information and loan setting information contained in the account opening request information, including the financial account information for the financial account corresponding to the face-to-face transaction complex account; Watermarking method for pre-configured electronic document verification information on the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including one or more face-to-face authentication result information A document file including an image content including the watermark and generating the image content including the watermark; , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B by the electronic document repository is an account opening request that the account opening server 200 receives from the client terminal 580. The account information includes the customer information included in the information and the financial account information of the financial account corresponding to the non-face-to-face complex account, and includes the account setting information, the loan setting information, and the account opening request information included in the account opening request information. Image content (eg, image content generated by capturing the document content on a memory) and the document content including document content including one or more non-face-to-face authentication result information through the included non-face-to-face authentication information. A corresponding document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) Or a web document file including the MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B by the electronic document repository may include the customer information included in the account opening request information received by the account opening server 200 from the client terminal 580 and the ratio. Non-face-to-face authentication information included in the account setting information and loan setting information contained in the account opening request information, including the financial account information for the financial account corresponding to the face-to-face transaction complex account; Watermarking method for pre-configured electronic document verification information on the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including one or more face-to-face authentication result information Generating image content including an image and corresponding to the image content and the document content including the watermarking; Includes a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including one or more HWP / DOC, or a web document file including an MHT). It is preferable to make.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage in association with the account opening electronic document is an electronic document unique number assigned to the account opening electronic document ( Or unique information) and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B by the electronic document storage in connection with the account opening electronic document is stored in the electronic document D / B. It is preferable that the financial institution further includes the information of the financial institution that sent the account opening electronic document confirmed with reference to (200).

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server 200, the electronic document storage is processed in association with the account opening electronic document to the electronic document D / B. The electronic document management information to be stored may include the received electronic document-related information (for example, customer information included in the account opening request information, financial account information about a financial account corresponding to the non-face-to-face complex account, and financial institution information). And electronic document file format information).

5 is a diagram illustrating an asset management system for providing financial benefits required according to a customer life cycle according to an embodiment of the present invention.

In more detail, Figure 5 is a ledger system having a multiple account ledger 570 of the customer or a separate database to provide the necessary financial benefits according to the customer lifecycle among one or more customers using a financial transaction service through a financial institution Check the basic information (eg age information, income information, marriage information, childbirth information, etc.) for checking the life cycle of customers in connection with the life cycle, and based on the identified basic information life cycle location (eg, adolescence, workplace) Optional supplementary services that correspond to the identified lifecycle locations after checking the age of the new year, adult, retirement age, or unmarried, married, 0 children, 1 child, or preschooler, elementary and secondary school student, pre-marriage child, etc. It relates to a method of implementing the system.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 5 to infer various implementation methods for the construction of an asset management system for providing necessary financial benefits according to the customer lifecycle. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 5 so that the server automatically accesses the ledger system as shown in this drawing 5 to determine the lifecycle position. For checking the basic information for, and in addition to the method of providing the optional additional service according to the identified lifecycle location, when the customer accesses the server, it may be provided to the customer to check / read this, thereby the present invention It is not limited.

Hereinafter, through the customer ledger 575 provided in the ledger system on the asset management system shown in FIG. 5, one or more age information, revenue information, marriage information, and childbirth information of the customer are checked, and based on this, the lifecycle position After confirming, the component corresponding to at least one or more means and / or functional configuration for providing an optional additional service corresponding to the corresponding lifecycle location is referred to as "assets management server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, an asset management system for providing financial benefits necessary according to the customer lifecycle may be based on at least one information about a customer to identify a lifecycle position and to confirm a confirmed life. An asset management server 500 that provides one or more optional additional services through a composite asset account held by the customer based on the cycle location, and a life corresponding to the lifecycle location of the customer through the asset management server 500. And a storage medium storing one or more cycle location information, one or more optional additional service information, and one or more optional additional service information, and a ledger system for providing one or more optional additional services through a composite asset account held by the customer. Characterized in that the ledger system is a predetermined network The communication channel is connected to the asset management server 500 provided on the asset management system through the means.

The storage medium provided on the asset management system according to the present invention corresponds to the lifecycle location information and the lifecycle location that can be classified in the asset management server 500 to provide the financial benefits required according to the customer lifecycle. And store at least one offerable option additional service information to be provided to the customer, and at least one offerless option additional service information that cannot be provided corresponding to the life cycle location.

The lifecycle location information corresponding to the lifecycle location that can be classified by the asset management server 500 may be classified according to age classification (for example, infancy, boyhood, youth, middle age, middle age, etc.) classified according to the age of the customer, and The classification corresponding to the client's marital status (eg, single, married, etc.), the classification according to the gender of the client (eg, male, female), and the detailed classification for the case of marriage (eg, the presence of a child and the child And the like according to age).

In response to the lifecycle location information that can be classified in the asset management server 500, the one or more available option additional service information that may be provided corresponding to the lifecycle location may correspond to the composite account held by the customer in response to the lifecycle location. As one or more optional additional service information that can be provided through, it is possible to change the account attribute of the composite account, or may be a simple function (eg, fee exempt option additional service, etc.).

For example, if the customer is a young man (for example, a man in his / her 20 years of age), the optional additional service information that can be provided may include a charter fund / mortgage loan option additional service that is required only for the homeowner, an employee preferential service option. It is preferable to include an additional service, a vehicle lease / vehicle installment option additional service that can be provided in response to the presence or absence of a vehicle.

In response to the lifecycle location information that can be classified in the asset management server 500, the one or more non-provisionable optional additional service information that cannot be provided corresponding to the corresponding lifecycle location is composited by the customer corresponding to the lifecycle location. As one or more optional additional service information that cannot be provided through an account, it is preferable that the account attribute of the composite account can be changed or a simple function (eg, a fee exempt option additional service, etc.) is included.

For example, the optional additional service information that cannot be provided when the customer is married may include an option for preparing a financial fund or an optional additional service that the customer cannot provide in the middle age. It is preferable to comprise.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a system provided on the asset management system (or associated with the asset management system), wherein the storage medium is In the case of a financial system, it may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B.

The asset management server 500 provided on the asset management system according to the present invention checks basic information (eg, age information, revenue information, marriage information, birth information, etc.) for one or more customers, and checks the identified basic information. A generic term for the asset management system-side component that provides lifecycle location information based on the information and then provides one or more optional additional services based thereon, including at least one server (or device), and / or Alternatively, the present invention may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

Referring to FIG. 5, the asset management server 500 may use the financial account opening system shown in FIG. 1 through the ledger operating interface 565 provided in the compound account ledger 570 system shown in FIG. 2. A ledger manager 505 (or ledger management means) that manages the customer ledger 575, the multiple account ledger 570, and one or more additional service ledgers 555 corresponding to the opened composite account according to the financial institution policy. Characterized in that made.

According to an embodiment of the present invention, the ledger management unit 505 is one or more face-to-face authentication means (e.g., face-to-face authentication function, or face-to-face authentication provided with the financial institution) Agency to verify whether the real name of the face-to-face method for the non-real name composite account opened through the financial account opening system shown in FIG. 1 is confirmed, and when checking the real name for the non-real name composite account, the ledger Deleting the real name verification additional service ledger 555 from the additional service ledger 555 through the operation interface 565 (eg, deactivating the real name verification additional service ledger 555 through the additional service management ledger) It is desirable to lift the limit and various transaction restrictions in accordance with the unidentified real name.

Alternatively, the ledger management unit 505 may open the financial account system shown in FIG. 1 according to the policy of the financial institution (eg, a policy for providing additional services for each customer situation stage according to age change / employment / marriage / birth of the customer). Check the managed ledger of one or more of the customer ledger 575, composite account ledger 570 and one or more value-added service ledger 555 constituting the composite account opened through, and included in the one or more managed ledgers identified above When the confirmed ledger information is modified (or updated) or the confirmed managed target ledger is the supplementary service ledger 555, the confirmed managed managed supplementary service ledger 555 is converted into the combined account ledger 570 to the customer ledger ( It is preferable to add / delete (eg, activate / deactivate the managed virtual account ledger through the supplementary service management ledger).

Referring to FIG. 5, the asset management server 500 may provide a lifecycle location (eg, adolescence, early school age, middle age, retirement age, etc.) for one or more customers who use financial transaction services through a predetermined financial institution, or may be unmarried, Basic information for checking marriage, 0 children, 1 child, etc., or preschool children, elementary and middle school students, pre-marriage children, etc. (eg, age information, income information, marriage information, childbirth information, etc.) An information confirmation unit 510 (or basic information confirmation means) and a lifecycle confirmation unit 515 (or life cycle confirmation means) for confirming a lifecycle location for the customer based on the identified basic information; Characterized in that made.

The basic information checking unit 510 is a life cycle location (eg, adolescent, early work, middle age, retirement age, etc.) for one or more customers who use the financial transaction service through a predetermined financial institution, or married, married, 0 children , One child, or preschool children, elementary and secondary school students, children before marriage, etc., characterized in that the basic information (for example, age information, income information, marriage information, childbirth information, etc.) to check.

According to an embodiment of the present invention, basic information regarding at least one customer using a financial transaction service through the financial institution is based on an application written by the customer for use of the financial transaction service through the financial institution. By checking the customer ledger 575 in conjunction with, it is preferable to confirm the basic information about the customer.

For example, when the payroll account of the customer uses a financial account provided in the financial institution as the payroll account, it is preferable to check the payroll information of the basic information of the customer based on this, and the customer finances the financial institution. If the account is not used as a payroll account, the salary information may be checked by inquiring tax payment details in connection with the tax office server (not shown).

In addition, the age of the customer by checking the age of the customer based on the resident registration number (or separately identified) written in the application created when the customer signed up as a financial transaction customer through the financial institution, and automatically increases every year, the age of the basic information of the customer It is desirable to verify the information.

According to another exemplary embodiment of the present invention, basic information regarding at least one customer using a financial transaction service through the financial institution is determined in response to the customer requesting to use a service provided through the asset management server. It is preferable to provide the customer with a user interface for receiving one or more information about the customer, and to identify one or more information input (or selected) as basic information about the customer.

When the basic information about the customer is confirmed through the basic information checking unit 510, the life cycle checking unit 515 checks the life cycle position of the customer based on the identified basic information. do.

According to the implementation method of the present invention, the life cycle identified based on the basic information about the customer, according to the age of the customer, infancy,... It is preferable to further include a marital status in the case of a customer who may be married according to the classification and the above age.

In addition, when classifying the life cycle for the customer, it is desirable to check whether the married customer further includes whether to give birth.

For example, if the customer is a male customer in his early thirties and a customer who is unmarried before marriage, when the customer's life cycle is confirmed as a male customer of the marriageable age, the house may further include a house. It is desirable to check the lifecycle, further including whether the customer is a purchaser.

Referring to FIG. 5, the asset management server 500 may check the optional additional service information available to the customer according to the lifecycle location identified through the lifecycle checking unit 515. (Or optional additional service checking means) is characterized in that it is made.

According to an embodiment of the present invention, the option additional service information confirmation available to the customer may include the option additional service available to the customer by confirming one or more option additional service information classified based on a lifecycle location on the storage medium. It is desirable to verify the information.

According to another exemplary embodiment of the present invention, the option additional service information confirmation that can be provided to the customer confirms all the optional additional service information provided by the financial institution, and based on this, provides condition information for each optional additional service information. By confirming, it is preferable to confirm and provide option information that can be provided to the customer.

Referring to FIG. 5, when at least one option additional service information to be provided to the customer is identified, the asset management server 500 may have a combined account of a target person who will provide the option additional service in response to the identified option additional service information. In order to provide an optional additional service through, the addition / deletion of one or more additional service ledgers 555 to the multiple account ledgers 570 to the customer ledger 575 corresponding to the multiple accounts to the additional service ledger 555 information When addition / deletion of the additional service checking unit 525 (or additional service checking means) for checking whether to reset / modify and one or more additional service ledgers 555 or the reset / modification of the additional service ledger 555 information is necessary The additional service ledger information generating unit 530 (or the additional service ledger 555) information generation for generating one or more additional service ledger 555 information to be added / deleted or reset / modified. And the addition of one or more additional service ledgers 555 by the additional service checking unit 525, in association with the composite account ledger 570 to the customer ledger 575 in association with the ledger system. The additional service ledger generation unit 535 (or additional service ledger generating means) for generating one or more additional target additional service ledgers 555, and the generated (or previously generated) additional service ledgers 555 And an additional service storage unit (or additional service storage means) for storing the generated additional service ledger 555 information.

When one or more optional additional service information to be provided to the customer is confirmed, the additional service checking unit 525 provides the optional additional service through the combined account held by the customer in response to the identified one or more optional additional service information. To confirm whether or not to add one or more additional service ledger 555 to the compound account ledger 570 to the customer ledger 575 corresponding to the composite account to, or the composite account ledger 570 corresponding to the composite account To check whether to delete one or more of the additional service ledger 555 of the additional service ledger 555 added to the customer ledger 575, or the composite account ledger 570 corresponding to the composite account Resetting the additional service ledger 555 information stored in one or more of the additional service ledger 555 of the additional service ledger 555 added to the customer ledger 575, or To determine whether jeonghalji characterized.

According to an embodiment of the present invention, in response to the identified option additional service information, the option additional service ledger 555 corresponding to the option additional service information corresponds to the compound account ledger 570 corresponding to the compound account held by the customer. By checking whether or not connected to the customer ledger 575, the addition / deletion of the optional additional service ledger 555 to the multiple account ledger 570 to the customer ledger 575 corresponding to the composite account to the optional additional service ledger (555) It is desirable to check whether the information is reset / modified.

In response to the check result, in response to the identified option supplementary service information, a compound account ledger 570 corresponding to the compound account to provide one or more option supplementary services through a compound account of a subject to provide the option supplementary service; When it is confirmed whether the optional additional service ledger 555 is added to the customer ledger 575 or the reset / modification of the augmentation additional service ledger 555 information is confirmed, the additional service ledger information generation unit 530 is configured to add (or reset / To generate one or more optional additional service ledger 555 information.

Here, the at least one optional additional service ledger 555 information to be added / deleted or reset / modified may include: interest rate adjustment additional service ledger 555 information, tax additional service ledger 555 information, and fee adjustment additional service ledger 555 Information, payment support supplementary service ledger 555 information, billing / storage supplementary service ledger 555 information, record information expansion supplementary service ledger 555 information preferably comprises one or more additional service ledger 555 information. .

In addition, the option supplementary service ledger 555 information may be information on the option supplementary service ledger 555 capable of changing the type of the financial product provided through the composite account, wherein the option supplementary service ledger 555 information may be It may also be information for changing account characteristics for the composite account.

The interest rate adjustment supplementary service ledger 555 information to be added / deleted or reset / modified may be added / discounted in a contract period interest rate for the compound account without a new account / cancellation (for example, a contract between a customer and a financial institution). Add / receive interest rate or discount the credit rate during the period) by adding / deleting and removing it as an attribute of the compound account, and promotion rate addition / discount (for example, by promotion of a financial institution (or affiliated institution)) Add / receive interest rate or discount the credit rate as an attribute of the compound account to add / delete ledger information, re-join / long-term interest rate addition / discount (e.g. customer re-join, or maintain account for a long time Ledger information and mileage accumulation gold to add / delete received interest rate or discount credit interest rate) as an attribute of the compound account Ledger information for adding / removing (for example, receiving interest rate based on the accumulated mileage earned by a financial institution (or affiliated institution) or discounting the credit rate) by adding / deleting as an attribute of the composite account It is preferable to include one or more.

The tax added service ledger 555 information to be added / deleted or reset / modified is taxed / non-taxed (eg, multiple accounts,) for a specific period (eg, a contract period) for the composite account without a separate account new / cancellation. Or one or more ledger information for detaching by adding / deleting one or more transaction attributes included in the composite account to the attribute of the composite account.

The fee adjustment additional service ledger 555 information to be added / deleted or reset / modified is a fee reduction for a specific period (eg, a contract period or a promotion period) for the composite account without a separate account new / cancellation ( For example, the fee information due to the agreement between the customer and the financial institution is added / deleted as an attribute of the compound account, and the ledger information for the removal and removal, and the fee reduction due to the promotion (for example, the customer at the promotion of the financial institution (or affiliated institution)). The fee reduction by this inclusion (or subscription)) is added / deleted as an attribute of the composite account, and ledger information, fee coupon exchange (for example, provided by a financial institution (or affiliated institution), or purchased by a customer) Fee reduction through coupon reduction coupon) as one or more of the attributes of the composite account, including one or more ledger information for detachment Be formed is preferred.

The payment support supplementary service ledger 555 information to be added / deleted or reset / modified is the mileage according to the payment processing when the payment is made through the account transfer through the compound account or the card payment process through the card associated with the compound account. Ledger information and fund support (e.g., fund managers (welfare) to add / remove credits (e.g. mileage credits provided by financial institutions (or affiliated institutions) in response to payment processing) as attributes of the combined account. Grants (part or all) of payment approvals through funds provided to the client by national institutions / local device organizations that administer funds, insurance companies that operate benefits, pension operators who manage pensions, etc.) According to the ledger information, payment fee reduction (e.g., promotion of financial institution (or affiliated institution), or payment attribute) Add / delete payment fee reduction) as an attribute of the compound account to add / delete ledger information and discount coupon exchange through mileage (e.g., exchange mileage above a predetermined standard to discount coupon) as an attribute of the compound account / Ledger information for removal and detachment, and ledger information for removal and detachment by adding / deleting the affiliate discount (for example, discount through the provision of an affiliate service with a particular affiliated organization) as an attribute of the composite account It is preferable.

Billing / Storage Additional Service Ledger 555 information to be added / deleted / reset / modified is billed to the composite account without a separate account new / cancellation (e.g., the name of the customer (= compound account in one or more billing institutions) Media to store the billing information billed for) for a certain period of time) to add / delete as a property of the compound account to provide and remove the ledger information, disposable storage account (for example, the customer (= compound account in one or more billing institutions) Ledger information for adding / deleting and removing as a property of the composite account, virtual account for deposit account classification (for example, one or more billing institutions) In the virtual account for each billing institution for storing the charges charged to the customer (= holder of the compound account) in the attribute of the compound account General ledger information for adding / deleting and detaching, automatic payment (for example, automatic payment of billing charges per billing institution) as an attribute of the composite account, ledger information for detaching and removing, and electronic bill payment management (eg, communication network Ledger information, escrow (e.g., billing charges by billing agency) to add / delete billing charges by billing institution through electronic bills electronically billed through For example, it is preferable to include one or more ledger information for detachment by adding / deleting an intermediate account) as an attribute of the compound account.

The record information extension additional service ledger 555 information to be added / deleted or reset / modified is recorded in the composite account for additional information (e.g., affiliated store (SOHO)) in the composite account without a separate account new / cancellation. Or (HOHO) records the details of the deposit to the account of the SOHO) according to one or more criteria) ledger information for depositing and removing by adding / deleting the expansion information of the composite account, automatic deposit (eg sales) Ledger information for depositing / detaching by adding / deleting a bond mortgage) as an attribute of the composite account, and classifying / aggregating deposit amount (e.g., classifying and counting the amount deposited into the composite account according to one or more criteria) Ledger information and deposit and withdrawal information (e.g., deposit history information and withdrawal history information record for the composite account) for adding / deleting and removing by extension information To add / remove in the extended information preferably comprises one or more ledger information for departure complex.

When one or more optional additional service ledgers 555 information to be added to the multiple account ledger 570 to the customer ledger 575 is generated by the additional service ledger information generation unit 530, the additional service ledger generation unit 535 ) Corresponds to each of the one or more optional additional service ledgers 555 to be added to the multiple account ledger 570 to the customer ledger 575 generated on the ledger system, respectively.

Here, the interest rate adjustment additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575, the interest rate adjustment rate added / discount rate included in the generated interest rate adjustment additional service ledger 555 information ( For example, information about ledgers for the addition of interest rates or discounts on credit rates during the terms of the agreement between the customer and the financial institution; Ledger information for adding a credit card, discounting the credit rate), re-joining / long-term holding rate addition / discounting (for example, re-joining a customer or adding a receiving rate by keeping the account for a long time or discounting the credit rate) Information, additional credits for accruing mileage interest rates (e.g., adding interest rates or discounting credit rates based on cumulative mileage earned by a financial institution (or affiliate)). Each information field of preferably formed to include one or more information fields, and the interest rate adjustment value added services director (555) for storing information is preferably reset to a null (NULL) value.

The tax added service ledger 555 to be added to the multiple account ledger 570 to the customer ledger 575 is taxed for a specific period (eg, a contract period) included in the generated tax added service ledger 555 information. And one or more information fields for storing ledger information for non-taxation (e.g., multiple accounts, or taxation / nontaxing of one or more transaction attributes contained in the composite account). Each information field at 555 is preferably initialized to a null value.

The fee adjustment additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 is a specific period (eg, contract period, or Ledger information for fee reductions (e.g., fee reductions based on agreements between the customer and the financial institution) during the promotion period, etc., and the customer is included in the promotion of the fee reductions (e.g., financial institutions (or affiliated institutions)). Ledger information for fee reduction (subscription), or for saving coupon information for exchange of fee coupons (e.g., fee reduction provided by a financial institution (or affiliate) or purchased by a customer) It is preferable to include the above information field, and each information field of the fee adjustment supplementary service ledger 555 is initialized to a null value. It is preferred.

The payment support supplementary service ledger 555 to be added to the multiple account ledger 570 to the customer ledger 575 corresponds to the mileage accumulation (eg, payment processing) included in the generated payment support supplementary service ledger 555 information. Ledger information for funding provided by financial institutions (or affiliates), fund support (e.g., fund managers (national / local device organizations that run welfare funds, insurance companies that operate benefits, pensions that manage pensions) Ledger information for a portion (or all) of the payment authorization through a fund provided to the customer by the operator), payment fee reduction (e.g., promotion of a financial institution (or affiliated agency), or payment according to payment attributes) Ledger information for fee reduction), ledger information for exchanging discount coupons through mileage It is preferable to include one or more information fields for storing the ledger information (for example, discount through the provision of affiliate services with a specific affiliated organization), each information field of the payment support supplementary service ledger 555 is null. It is desirable to initialize to a null value.

The billing / receiving supplementary service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 includes the billing (eg, one or more) included in the generated billing / receiving supplementary service ledger 555 information. Ledger information for the billing institution billing the customer (= holder of the compound account) for a certain period of time, ledger information for providing a one-time storage account (for example, at least one billing institution at the customer (= holder of the compound account) Ledger information for the purpose of providing a one-time account created to receive the charges), virtual accounts for deposit account classifications (e.g., charges charged to the customer (= holder of a compound account) by one or more billing institutions) Ledger information for billing agency virtual accounts for storing the information, ledger information for automatic payment (eg, automatic transfer of billing charges per billing agency), electronic bill payment management (eg General ledger information for escrow (e.g., an interim account for billing by billing agency) for electronic bills charged electronically through the telecommunications network; Preferably, the information field includes one or more information fields, and each information field of the billing / receiving supplementary service ledger 555 is preferably initialized to a null value.

The record information extension additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 is an affiliate store (or SOHO) included in the generated record information extension additional service ledger 555 information. Deposit additional information record (e.g., record the deposit details of the merchant (or SOHO) in accordance with one or more criteria) as the extended information of the composite account to remove and detach Ledger information, ledger information for automatic deposits (e.g. accounts receivable loans), ledger information for sorting / aggregating deposits (e.g., classifying and counting amounts deposited into compound accounts based on one or more criteria), and withdrawal information (E.g., deposit history information or withdrawal history information for the composite account) preferably comprises one or more information fields for storing the ledger information, the recording Each information field of the information extension supplementary service ledger 555 is preferably initialized to a null value.

According to an embodiment of the present invention, if one or more optional additional service ledgers 555 are added to the multiple account ledger 570 to the customer ledger 575 in the ledger system, the additional service storage unit is configured with the ledger system. It is characterized in that for storing the information on each option additional service ledger 555 respectively corresponding to the generated one or more option additional service ledger 555.

According to another exemplary embodiment of the present invention, when one or more optional additional service ledgers 555 to be deleted from the multiple account ledger 570 to the customer ledger 575 are identified in the ledger system, the additional service storage unit is configured in the ledger system. In connection with the multi-account ledger 570 to the customer ledger 575 is characterized in that to delete the identified one or more optional deletion target additional service ledger 555.

That is, the deletion option option service ledger 555 may be an option additional service that cannot be provided according to the lifecycle location of the customer, and the deletion option option service information is stored in connection with the lifecycle location information of the customer. It is preferable that the option additional service ledger 555 corresponding to the non-provided option additional service information.

According to another exemplary embodiment of the present invention, one or more of the additional service ledgers 555 added to the multiple account ledger 570 to the customer ledger 575 in the ledger system may be reset / modified option additional service ledger 555. ), The additional service storage unit is an optional additional service generated by the additional service ledger information generation unit 530 to the at least one reset / modification target option additional service ledger 555 identified in association with the ledger system The ledger 555 is characterized by storing (or updating) information.

Referring to FIG. 5, when the one or more optional additional service ledgers 555 are connected to the compound account ledger 570 to the customer ledger 575 held by the customer, the asset management server 500 may be linked with the ledger system. The additional service ledger 555 log information corresponding to the addition / deletion or reset / modification of the optional additional service ledger 555 from the multi-account ledger 570 to the customer ledger 575 is added to the ledger system. Log information storage unit (or log information storage means) for processing to be stored in the service log D / B, and the communication means (580) of the addition / deletion or reset / modification history of the optional additional service stored through the log information storage unit ) (Eg, a mobile phone, an email, a bulletin board, a web hard, etc.) is provided with an information providing unit 550 (or information providing means).

The log information storage unit is connected to the ledger system when the one or more optional additional service ledger 555 is connected to the multi-account ledger 570 to the customer ledger 575 held by the customer, to the optional additional service ledger 555 Process to store additional service ledger 555 log information corresponding to the addition / deletion or resetting / modification from the multi-account ledger 570 to the customer ledger 575 in the additional service log D / B provided in the ledger system. Characterized in that.

If the option supplementary service ledger 555 in which the option supplementary service ledger 555 information is stored is added / deleted or reset / modified from the multi-account ledger 570 to the customer ledger 575, the log information storage unit is configured in the ledger system. Check the option added service ledger 555 added / deleted or reset / modified from the compound account ledger 570 to the customer ledger 575 corresponding to the compound account in association with the account; and adding the option in association with the ledger system. It is characterized in that the additional service ledger 555 log information corresponding to the deletion of the service ledger 555 is generated to be stored in the additional service log D / B provided in the ledger system.

The information providing unit 550 stores the optional additional service addition / deletion or resetting / modification history stored through the log information storage unit to the communication means 580 of the customer (eg, a mobile phone, an e-mail, a bulletin board, a web hard, etc.). Characterized in that provided through.

In addition, before the option addition service ledger 555 is added / deleted or reset / modified to the multiple account ledger 570 to the customer ledger 575 corresponding to the multiple account held by the customer, the option additional service ledger 555 is first added to the customer. After providing service provision information, a process of approving it may be further included. In this case, the information providing unit 550 may further include an approval processing function in addition to the information providing function.

Technical features of the method and / or process for providing the optional additional service addition / deletion or reset / modification history through the communication means 580 of the customer if the person having ordinary technical knowledge in the technical field to which the present invention belongs Since it will be familiar with, detailed description thereof will be omitted for convenience.

6 is a diagram illustrating a process of identifying a lifecycle for providing financial benefits required according to a customer lifecycle according to an embodiment of the present invention.

More specifically, Figure 6 is a ledger system with a separate account ledger 570 of the customer to provide the necessary financial benefits according to the customer life cycle of one or more customers using a financial transaction service through a financial institution to a separate database Check the basic information (eg, age information, revenue information, marriage information, birth information, etc.) for the customer life cycle confirmation in connection with the, and based on the identified basic information life cycle location (eg, adolescent, early work students , Adult, retirement age, or single, married, 0 children, 1 child, or preschooler, elementary and secondary school student, pre-marriage child, etc.), and then the optional additional service corresponding to the identified lifecycle location. The present invention relates to a process of confirming a customer lifecycle in a providing system, and is commonly used in the technical field to which the present invention pertains. Persons having the present invention may infer various implementation methods for the process of confirming the life cycle for providing the necessary financial benefits according to the customer life cycle by referring to and / or modifying the drawing 6, but the present invention is inferred from the above. It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 6, the asset management server on the asset management system shown in FIG. 5 will be referred to as a “server” for convenience.

Referring to FIG. 6, the asset management server (hereinafter referred to as server) shown in FIG. 5 confirms basic information for life cycle checking for one or more customers using a financial transaction service through a financial institution equipped with the server. (600).

According to an embodiment of the present invention, basic information regarding at least one customer using a financial transaction service through the financial institution is based on an application written by the customer for use of the financial transaction service through the financial institution. By checking the customer ledger 575 in conjunction with, it is preferable to confirm the basic information about the customer.

For example, when the payroll account of the customer uses a financial account provided in the financial institution as the payroll account, it is preferable to check salary information among the basic information of the customer based on this, and the customer pays the financial account of the financial institution. If you do not use as a payroll account, you can check the salary information by querying the tax payment history, etc. in conjunction with the tax office server (not shown).

In addition, the age of the customer by checking the age of the customer based on the resident registration number (or separately identified) written in the application created when the customer signed up as a financial transaction customer through the financial institution, and automatically increases every year, the age of the basic information of the customer It is desirable to verify the information.

According to another exemplary embodiment of the present invention, basic information regarding at least one customer using a financial transaction service through the financial institution is determined in response to the customer requesting to use a service provided through the asset management server. It is preferable to provide the customer with a user interface for receiving one or more information about the customer, and to identify one or more information input (or selected) as basic information about the customer.

If the basic information for the lifecycle confirmation of one or more customers who use the financial transaction service through the financial institution is confirmed (605), the server uses the lifecycle location (eg, adolescence, based on the identified basic information). (1) Check for new work, middle age, retirement age, or unmarried, married, 0 children, 1 child, or preschool children, elementary and secondary school children, pre-marriage children, etc. (610).

According to the implementation method of the present invention, the life cycle identified based on the basic information about the customer, according to the age of the customer, infancy,... It is preferable to further include a marital status in the case of a customer who may be married according to the classification and the above age.

In addition, when classifying the life cycle for the customer, it is desirable to check whether the married customer further includes whether to give birth.

For example, if the customer is a male customer in his early thirties and a customer who is unmarried before marriage, when the customer's life cycle is confirmed as a male customer of the marriageable age, the house may further include a house. It is desirable to check the lifecycle, further including whether the customer is a purchaser.

If the lifecycle location for the customer is confirmed based on the identified basic information (615), the server identifies one or more optional additional services that can be provided corresponding to the verification result (620).

According to an embodiment of the present invention, the option additional service information confirmation available to the customer may include the option additional service available to the customer by confirming one or more option additional service information classified based on a lifecycle location on the storage medium. It is desirable to verify the information.

According to another exemplary embodiment of the present invention, the option additional service information confirmation that can be provided to the customer confirms all the optional additional service information provided by the financial institution, and based on this, provides condition information for each optional additional service information. By confirming, it is preferable to confirm and provide option information that can be provided to the customer.

7 is a diagram illustrating a multi-account operation process for providing financial benefits required according to a customer life cycle according to an embodiment of the present invention.

In more detail, FIG. 7 shows the optional additional service information identified through FIG. 6 in the compound account opened on the compound account ledger 570 system shown in FIG. 2 through the financial account opening system shown in FIG. Adding or removing the optional supplementary service ledger 555 or resetting / modifying information of one or more optional supplementary service ledgers 555 previously added to the composite account held by the customer. The process of operating the composite account as shown in Figure 6, based on the optional additional service information that can be provided corresponding to the life cycle location shown in Figure 6 based on the optional additional service ledger 555 detachable method It shows how to run an account.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to add the optional supplementary service ledger 555 (or reset / modify the optional supplementary service ledger 555 information). Various implementation methods (e.g., some steps may be omitted or the order may be changed) for the multiple account operation process may be inferred, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

In the following figure 7, the asset management server on the asset management system shown in FIG. 9 is referred to as " server " for convenience.

Referring to FIG. 7, an option supplementary service is provided based on the option supplementary service information identified through the process of confirming the optional life cycle position and the option supplementary service information that can be provided corresponding to the identified lifecycle position shown in FIG. 6. To determine whether to add / delete or reset / modify the optional additional service ledger 555 in the composite account ledger 570 to the customer ledger 575 corresponding to the composite account, or the composite account ledger corresponding to the composite account (570) to check whether to delete one or more optional additional service ledger 555 of the optional additional service ledger 555 added to the customer ledger 575, or a composite account corresponding to the composite account Optional add-ons stored in one or more optional supplementary service ledgers 555 of the optional supplementary service ledgers 555 added to the ledger 570 to the customer ledger 575. Scotland confirm whether to reset or modify the ledger (555), information (700).

According to an embodiment of the present invention, in response to the identified option additional service information, the option additional service ledger 555 corresponding to the option additional service information corresponds to the compound account ledger 570 corresponding to the compound account held by the customer. By checking whether or not connected to the customer ledger 575, the addition / deletion of the optional additional service ledger 555 to the multiple account ledger 570 to the customer ledger 575 corresponding to the composite account to the optional additional service ledger (555) It is desirable to check whether the information is reset / modified.

If it is confirmed that the option additional service ledger 555 is added to the multiple account ledger 570 or the customer ledger 575 corresponding to the composite account in order to provide the optional additional service corresponding to the identified optional additional service information, When resetting / modification of the optional additional service ledger 555 information is confirmed (705), the server generates the optional additional service ledger 555 information to be added (or reset / modified) (710).

Here, the at least one optional additional service ledger 555 information to be added / deleted or reset / modified may include: interest rate adjustment additional service ledger 555 information, tax additional service ledger 555 information, and fee adjustment additional service ledger 555 Information, payment support supplementary service ledger 555 information, billing / storage supplementary service ledger 555 information, record information expansion supplementary service ledger 555 information preferably comprises at least one additional service ledger 555 information. Do.

In addition, the optional additional service ledger 555 information may be information on the optional additional service ledger 555 capable of changing the type of the financial product provided through the composite account, wherein the optional additional service ledger 555 information may be It may also be information for changing account characteristics for the composite account.

The interest rate adjustment supplementary service ledger 555 information to be added / deleted or reset / modified may be added / discounted in a contract period interest rate for the compound account without a new account / cancellation (for example, a contract between a customer and a financial institution). Add / receive interest rate or discount the credit rate during the period) by adding / deleting and removing it as an attribute of the compound account, and promotion rate addition / discount (for example, by promotion of a financial institution (or affiliated institution)) Add / receive interest rate or discount the credit rate as an attribute of the compound account to add / delete ledger information, re-join / long-term interest rate addition / discount (e.g. customer re-join, or maintain account for a long time Ledger information and mileage accumulation gold to add / delete received interest rate or discount credit interest rate) as an attribute of the compound account Ledger information for adding / removing (eg, adding interest rates based on the accumulated mileage earned by financial institutions (or affiliated institutions) or discounting credit rates) by adding / deleting them as attributes of the composite account It is preferable to include one or more.

The tax added service ledger 555 information to be added / deleted or reset / modified is taxed / non-taxed for a specific period (eg, a contract period) for the composite account without a separate account new / cancellation (eg, a composite account, Or one or more ledger information for detaching by adding / deleting one or more transaction attributes included in the composite account to the attribute of the composite account.

The fee adjustment additional service ledger 555 information to be added / deleted or reset / modified is a fee reduction for a specific period (eg, a contract period or a promotion period) for the composite account without a separate account new / cancellation ( For example, the fee information due to the agreement between the customer and the financial institution is added / deleted as an attribute of the compound account, and the ledger information for the removal and removal, and the fee reduction due to the promotion (for example, the customer at the promotion of the financial institution (or affiliated institution)). The fee reduction by this inclusion (or subscription)) is added / deleted as an attribute of the composite account, and ledger information, fee coupon exchange (for example, provided by a financial institution (or affiliated institution), or purchased by a customer) Fee reduction through coupon reduction coupon) as one or more of the attributes of the composite account, including one or more ledger information for detachment Be formed is preferred.

The payment support supplementary service ledger 555 information to be added / deleted or reset / modified is the mileage according to the payment processing when the payment is made through the account transfer through the compound account or the card payment process through the card associated with the compound account. Ledger information and fund support (e.g., fund managers (welfare funds) to add / remove credits (e.g. mileage credits provided by financial institutions (or affiliated institutions) in response to payment processing) as attributes of the combined account. The approval of some (or all) of the payment authorization through funds provided to the client by the state agency / local device organization operating the insurance company, the insurance company operating the insurance claim, the pension operator managing the pension, etc.). Ledger information, payment fee reduction (e.g., promotion of a financial institution (or affiliated institution), or payment attribute) Add / delete payment fee reduction) as an attribute of the compound account to add / delete ledger information and discount coupon exchange through mileage (e.g., exchange mileage above a predetermined standard to discount coupon) as an attribute of the compound account / Ledger information for removal and detachment, and ledger information for removal and detachment by adding / deleting the affiliate discount (for example, discount through the provision of an affiliate service with a particular affiliated organization) as an attribute of the composite account It is preferable.

Billing / Storage Additional Service Ledger 555 information to be added / deleted / reset / modified is billed to the composite account without a separate account new / cancellation (e.g., the name of the customer (= compound account in one or more billing institutions) Media to store the billing information billed for) for a certain period of time) to add / delete as a property of the compound account to provide and remove the ledger information, disposable storage account (for example, the customer (= compound account in one or more billing institutions) Ledger information for adding / deleting and removing as a property of the composite account, virtual account for deposit account classification (for example, one or more billing institutions) In the virtual account for each billing institution for storing the charges charged to the customer (= holder of the compound account) in the attribute of the compound account General ledger information for adding / deleting and detaching, automatic payment (for example, automatic payment of billing charges per billing institution) as an attribute of the composite account, ledger information for detaching and removing, and electronic bill payment management (eg, communication network Ledger information, escrow (e.g., billing charges by billing agency) to add / delete billing charges by billing institution through electronic bills electronically billed through For example, it is preferable to include one or more ledger information for detachment by adding / deleting an intermediate account) as an attribute of the compound account.

The record information extension additional service ledger 555 information to be added / deleted or reset / modified is recorded in the composite account for additional information (e.g., affiliated store (SOHO)) in the composite account without a separate account new / cancellation. Or (HOHO) records the details of the deposit to the account of the SOHO) according to one or more criteria) ledger information for depositing and removing by adding / deleting the expansion information of the composite account, automatic deposit (eg sales) Ledger information for depositing / detaching by adding / deleting a debt security loan as an attribute of the compound account, and classifying / aggregating deposit amount (e.g., classifying and counting the amount deposited into the compound account according to one or more criteria) Ledger information, deposit and withdrawal information (e.g., deposit history information and withdrawal history information record for the composite account) to add / delete and detach by expansion information of the composite account To add / remove in the extended information preferably comprises one or more ledger information for departure complex.

When one or more optional additional service ledgers 555 information to be added to the multiple account ledger 570 to the customer ledger 575 is generated by the additional service ledger information generation unit 530, the additional service ledger generation unit 535 ) Corresponds to each of the one or more optional additional service ledgers 555 to be added to the multiple account ledger 570 to the customer ledger 575 generated on the ledger system, respectively.

Here, the interest rate adjustment additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575, the interest rate adjustment rate added / discount rate included in the generated interest rate adjustment additional service ledger 555 information ( For example, information about ledgers for the addition of interest rates or discounts on credit rates during the terms of the agreement between the customer and the financial institution; Ledger information for adding a credit card, discounting the credit rate), re-joining / long-term holding rate addition / discounting (for example, re-joining a customer or adding a receiving rate by keeping the account for a long time or discounting the credit rate) Information, additional credits for accruing mileage interest rates (e.g., adding interest rates or discounting credit rates based on cumulative mileage earned by a financial institution (or affiliate)). Each information field of preferably formed to include one or more information fields, and the interest rate adjustment value added services director (555) for storing information is preferably reset to a null (NULL) value.

The tax added service ledger 555 to be added to the multiple account ledger 570 to the customer ledger 575 is taxed for a specific period (eg, a contract period) included in the generated tax added service ledger 555 information. And one or more information fields for storing ledger information for non-taxation (e.g., multiple accounts, or taxation / nontaxing of one or more transaction attributes contained in the composite account). Each information field at 555 is preferably initialized to a null value.

The fee adjustment additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 is a specific period (eg, contract period, or Ledger information for fee reductions (e.g., fee reductions based on agreements between the customer and the financial institution) during the promotion period, etc., and the customer is included in the promotion of the fee reductions (e.g., financial institutions (or affiliated institutions)). Ledger information for fee reduction (subscription), or for saving coupon information for exchange of fee coupons (e.g., fee reduction provided by a financial institution (or affiliate) or purchased by a customer) It is preferable to include the above information field, and each information field of the fee adjustment supplementary service ledger 555 is initialized to a null value. It is preferred.

The payment support supplementary service ledger 555 to be added to the multiple account ledger 570 to the customer ledger 575 corresponds to the mileage accumulation (eg, payment processing) included in the generated payment support supplementary service ledger 555 information. Ledger information for funding provided by financial institutions (or affiliates), fund support (e.g., fund managers (national / local device organizations that run welfare funds, insurance companies that operate benefits, pensions that manage pensions) Ledger information for a portion (or all) of the payment authorization through a fund provided to the customer by the operator), payment fee reduction (e.g., promotion of a financial institution (or affiliated agency), or payment according to payment attributes) Ledger information for fee reduction), ledger information for exchanging discount coupons through mileage (e.g., exchange mileage above a predetermined threshold for discount coupons), affiliate discount It is preferable to include one or more information fields for storing the ledger information (for example, discount through the provision of affiliate services with a specific affiliated organization), each information field of the payment support supplementary service ledger 555 is null. It is desirable to initialize to a null value.

The billing / receiving supplementary service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 includes the billing (eg, one or more) included in the generated billing / receiving supplementary service ledger 555 information. Ledger information for the billing institution billing the customer (= holder of the compound account) for a certain period of time, ledger information for providing a one-time storage account (for example, at one or more billing institutions of the customer (= compound account) Ledger information for the provision of a one-time account created to receive the charges billed to the nominee), virtual accounts for deposit account classification (e.g., claims charged to the customer (= nominee of the compound account) by one or more billing institutions) Ledger information for billing agency virtual accounts for storing money, ledger information for automatic payments (e.g., automatic debit of billing charges per billing agency), electronic bill payment management (eg General ledger information for escrow (e.g., an interim account for billing by billing agency) for electronic bills charged electronically through the telecommunications network; Preferably, the information field includes one or more information fields, and each information field of the billing / receiving supplementary service ledger 555 is preferably initialized to a null value.

The record information extension additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 is an affiliate store (or SOHO) included in the generated record information extension additional service ledger 555 information. Deposit additional information record (e.g., record the deposit details of the merchant (or SOHO) in accordance with one or more criteria) as the extended information of the composite account to remove and detach Ledger information, ledger information for automatic deposits (e.g. accounts receivable loans), ledger information for sorting / aggregating deposits (e.g., classifying and counting amounts deposited into compound accounts based on one or more criteria), and withdrawal information (E.g., deposit history information or withdrawal history information for the composite account) preferably comprises one or more information fields for storing ledger information. Each information field of the extended information added services director 555 are preferably initialized to a null (NULL) value.

If the generated optional supplementary service ledger 555 information is not the optional supplementary service ledger 555 information to be added to the multi-account ledger 570 to the customer ledger 575 (715), the server is the ledger system. In operation 720, the reset / modification target option additional service ledger 555 is checked.

If the identified reset / modification target option supplementary service ledger 555 is confirmed (725), the server is linked to the ledger system to the option / additional target supplementary service ledger 555 of each option supplementary service ledger. (555) Store (or update) the information (730).

On the other hand, if the generated optional additional service ledger 555 information is the optional additional service ledger 555 information to be added to the multiple account ledger 570 to the customer ledger 575 (715), the server is associated with the ledger system. In operation 740, the additional target option supplementary service ledger 555 corresponding to the generated option supplementary service ledger 555 information is generated.

Here, the interest rate adjustment additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575, the interest rate adjustment rate added / discount rate included in the generated interest rate adjustment additional service ledger 555 information ( For example, information about ledgers for the addition of interest rates or discounts on credit rates during the terms of the agreement between the customer and the financial institution; Ledger information for adding a credit card, discounting the credit rate), re-joining / long-term holding rate addition / discounting (for example, re-joining a customer or adding a receiving rate by keeping the account for a long time or discounting the credit rate) Information, additional credits for accruing mileage interest rates (e.g., adding interest rates or discounting credit rates based on cumulative mileage earned by a financial institution (or affiliate)). Each information field of preferably formed to include one or more information fields, and the interest rate adjustment value added services director (555) for storing information is preferably reset to a null (NULL) value.

The tax added service ledger 555 to be added to the multiple account ledger 570 to the customer ledger 575 is taxed for a specific period (eg, a contract period) included in the generated tax added service ledger 555 information. And one or more information fields for storing ledger information for non-taxation (e.g., multiple accounts, or taxation / nontaxing of one or more transaction attributes contained in the composite account). Each information field at 555 is preferably initialized to a null value.

The fee adjustment additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 is a specific period (eg, contract period, or Ledger information for fee reductions (e.g., fee reductions based on agreements between the customer and the financial institution) during the promotion period, etc., and the customer is included in the promotion of the fee reductions (e.g., financial institutions (or affiliated institutions)). Ledger information for fee reduction (subscription), or for saving coupon information for exchange of fee coupons (e.g., fee reduction provided by a financial institution (or affiliate) or purchased by a customer) It is preferable to include the above information field, and each information field of the fee adjustment supplementary service ledger 555 is initialized to a null value. It is preferred.

The payment support supplementary service ledger 555 to be added to the multiple account ledger 570 to the customer ledger 575 corresponds to the mileage accumulation (eg, payment processing) included in the generated payment support supplementary service ledger 555 information. Ledger information for funding provided by financial institutions (or affiliates), fund support (e.g., fund managers (national / local device organizations that run welfare funds, insurance companies that operate benefits, pensions that manage pensions) Ledger information for a portion (or all) of the payment authorization through a fund provided to the customer by the operator), payment fee reduction (e.g., promotion of a financial institution (or affiliated agency), or payment according to payment attributes) Ledger information for fee reduction), ledger information for exchanging discount coupons through mileage It is preferable to include one or more information fields for storing the ledger information (for example, discount through the provision of affiliate services with a specific affiliated organization), each information field of the payment support supplementary service ledger 555 is null. It is desirable to initialize to a null value.

The billing / receiving supplementary service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 includes the billing (eg, one or more) included in the generated billing / receiving supplementary service ledger 555 information. Ledger information for the billing institution billing the customer (= holder of the compound account) for a certain period of time, ledger information for providing a one-time storage account (for example, at least one billing institution at the customer (= holder of the compound account) Ledger information for the purpose of providing a one-time account created to receive the charges), virtual accounts for deposit account classifications (e.g., charges charged to the customer (= holder of a compound account) by one or more billing institutions) Ledger information for billing institution virtual account for storing the information, ledger information for automatic payment (eg, automatic transfer of billing amount per billing agency), electronic bill payment management (eg General ledger information for escrow (e.g., an interim account for billing by billing agency) for electronic bills charged electronically through the telecommunications network; Preferably, the information field includes one or more information fields, and each information field of the billing / receiving supplementary service ledger 555 is preferably initialized to a null value.

The record information extension additional service ledger 555 to be added to the compound account ledger 570 to the customer ledger 575 is an affiliate store (or SOHO) included in the generated record information extension additional service ledger 555 information. Deposit additional information record (e.g., record the deposit details of the merchant (or SOHO) in accordance with one or more criteria) as the extended information of the composite account to remove and detach Ledger information, ledger information for automatic deposits (e.g. accounts receivable loans), ledger information for sorting / aggregating deposits (e.g., classifying and counting amounts deposited into compound accounts based on one or more criteria), and withdrawal information (E.g., deposit history information or withdrawal history information for the composite account) preferably comprises one or more information fields for storing the ledger information, the record Each information field of the information extension supplementary service ledger 555 is preferably initialized to a null value.

Thereafter, the server stores the generated additional target option additional service ledger 555 information in the generated additional target option additional service ledger 555 in association with the ledger system (750).

If the generated additional target option additional service ledger 555 information is stored in the generated additional target option additional service ledger 555 (755), the server is connected to the ledger system and the additional target option additional service ledger 555 information. The ledger 555 is processed to be added to the multiple account ledger 570 to the customer ledger 575 (760).

Thereafter, the server generates additional service log information corresponding to the addition of the optional additional service ledger 555 in association with the ledger system, and processes the additional service log information to be stored in the additional service log D / B provided in the ledger system (765). .

8 is a diagram illustrating a multi-account operation process of deleting an optional supplementary service ledger 555 (or maintaining optional supplementary service ledger 555 information) according to an embodiment of the present invention.

In more detail, FIG. 8 deletes one or more optional additional service ledgers 555 in the composite account or the one or more optional additional services previously added to the composite account through the compound account operating process illustrated in FIG. By maintaining the ledger 555 information without resetting / modification, and showing the process of operating the composite account in the option additional service ledger 555 detachable manner, if the person having ordinary knowledge in the technical field to which the present invention belongs, Various implementation methods (eg, some steps may be omitted) for the multi-account operation process through deleting the optional supplementary service ledger 555 (or maintaining the optional supplementary service ledger 555 information) with reference to FIG. 8 and / or modified. Or an implementation method in which the order is changed), but the present invention includes all the implementation methods that are inferred, and FIG. 8 It is not limited that the technical features of only the exemplary method shown.

Hereinafter, in FIG. 8, a non-face-to-face financial transaction server on the multi-account management system shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 8, through the combined account operation process illustrated in FIG. 7, the combined service for providing an optional supplementary service corresponding to the optional supplementary service information identified through the verification option optional supplementary service shown in FIG. Delete one or more optional additional service ledgers 555 previously added to the compound account ledger 570 to the customer ledger 575 corresponding to the account, or delete the one or more optional additional service ledgers 555 from the multiple account ledger 570 to the customer ledger 575. If it is determined that the reset / modification of the additional optional additional service ledger 555 information is not necessary, one or more optional additional service ledgers 555 added to the multiple account ledger 570 to the customer ledger 575 may be used. In operation 800, one or more deleted option option additional service ledgers 555 are identified.

If one or more deletion target option supplementary service ledger 555 is identified (805), the server is associated with the ledger system from the multiple account ledger 570 to the customer ledger 575, the identified one or more deletion target option. The additional service ledger 555 is deleted (810), the additional service log information corresponding to the deletion of the optional additional service ledger 555 in association with the ledger system to generate the additional service log D / B provided in the ledger system It is processed to be stored in (815).

Subsequently, the option to delete additional option ledger 555 is deleted from the multiple account ledger 570 to the customer ledger 575 or an option added to the multiple account ledger 570 to the customer ledger 575. If the supplementary service ledger 555 is maintained without reset / modification, the server is linked with the ledger system and the basic attributes / conditions set in the composite account ledger 570 and the composite account ledger 570 to customer ledger 575. In step 820, the additional attributes / conditions are added to the identified optional supplementary service information through the identified attributes / conditions.

According to the present invention, according to the life cycle of the customer through the various forms of optional additional services by providing a service without the cancellation of the existing account, such as providing a flower of the financial products required at the time, account termination / new subscription Through the existing financial products can be provided to the customer who wants to use the financial products when necessary through the advantage that can provide services.

Claims (7)

Identifying lifecycle information including at least one of age information, revenue information, marriage information, and childbirth information of the customer, and identifying the lifecycle location of the customer based on the identified lifecycle information; Identifying one or more optional additional service information for each lifecycle location that can be provided corresponding to the identified lifecycle location; Identifying one or more optional additional service information to be provided through the composite account held by the customer among the identified one or more optional additional service information, and generating option additional service ledger information corresponding to each of the one or more optional additional service information to be provided. Making; Generating each option supplementary service ledger matching the generated at least one option supplementary service ledger information, and recording the option supplementary service ledger information in each of the generated at least one option supplementary service ledger; And mounting at least one option supplementary service ledger in which the option supplementary service ledger information is recorded in the customer's compound account. The method of claim 1, Generating additional service ledger log information including additional history of one or more optional additional service ledgers mounted in the composite account held by the customer, and storing the generated additional service ledger log information in the additional service management ledger; Life cycle-based optional additional service providing method through a multiple account, characterized in that further comprises. The method of claim 1, Notifying, via the communication means 580 of the customer, one or more optional additional service additional details mounted on the composite account held by the customer; the lifecycle based optional additional service through the multiple account further comprising: How to Provide. The method of claim 1, wherein the determining of one or more optional additional service information for each lifecycle location that can be provided corresponding to the identified lifecycle location includes: Obtaining approval for whether the provided optional additional service is provided by providing the customer with at least one optional additional service information for each of the available lifecycle locations; How to Provide Optional Additional Services. The method of claim 1, Identifying the option additional service information that cannot be provided for each lifecycle position among one or more option additional services provided to the customer, and processing the identified non-provided option additional service ledger to be removed from the compound account ledger held by the customer Life cycle-based optional additional service providing method through a multiple account, characterized in that further comprises a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for confirming lifecycle information including at least one of age information, revenue information, marriage information, and childbirth information of the customer and confirming the lifecycle location of the customer based on the identified lifecycle information; Means for confirming one or more optional additional service information for each lifecycle location that can be provided corresponding to the identified lifecycle location; Identifying one or more optional additional service information to be provided through the combined account held by the customer among the identified one or more optional additional service information, and generating option additional service ledger information corresponding to each of the one or more optional additional service information to be provided. Means for doing so; Means for generating respective optional additional service ledgers that match the generated one or more optional additional service ledger information, and recording the optional additional service ledger information in each of the generated one or more optional additional service ledgers; And means for mounting one or more optional additional service ledgers in which the optional additional service ledger information is recorded in the composite account of the customer.

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