KR20100045208A - System and method for providing swing/contrary swing by additional service ledger attachment/detachment and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for providing swing/contrary swing by a additional service ledger attachment/detachment and a recording medium for the same are provided to easily provide swing/back swing between inside ledgers included in an account by connecting a policy of a financial facilities or a partner company. CONSTITUTION: A ledger generating unit generates a complex account ledger. The ledger generating unit comprises ledger attachment/detachment structure for adding/deleting or resetting/revising at least one of an additional ledger. A additional service ledger information generating unit(935) generates at least one of swing/back swing object ledger identifying information for swing/back swing between inside accounts and swing/back swing additional ledger information.

Description

System and Method for Providing Swing / Contrary Swing by Additional Service Ledger Attachment / Detachment and Recording Medium}

1 is a view showing 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 multi-account for non-face-to-face transactions according to an exemplary 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 exemplary embodiment of the present invention.

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

FIG. 6 is a diagram illustrating a ledger system corresponding to a non-face-to-face transaction complex account and a financial system configuration of an existing financial sector according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process for applying for opening a multiple account for non-face-to-face transactions according to another exemplary embodiment of the present invention.

8A and 8B illustrate a process of opening a compound account for non-face-to-face transactions according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a composite account operating system providing a swing / reverse swing between internal ledgers of a composite account through addition / deletion of an additional service ledger according to an embodiment of the present invention.

10 is a diagram illustrating a swing / reverse swing request process between internal ledgers of a composite account through addition / deletion of additional service ledgers according to an embodiment of the present invention.

11 is a diagram illustrating a process of adding or resetting / modifying a swing / reverse swing additional service ledger for providing a swing / reverse swing function between internal ledgers of a composite account according to an embodiment of the present invention.

12 is a diagram illustrating a process of deleting a swing / reverse swing supplementary ledger for providing a swing / reverse swing function between internal ledgers of a composite account according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a swing / reverse swing process between multiple account internal ledgers through a swing / reverse swing supplementary ledger according to an embodiment of the present invention.

<Description of main parts of drawing>

900: non-face-to-face transaction server 905: interface unit

910: ledger management unit 915: interface provider

920: information receiving unit 925: validation unit

930: additional service check unit 935: additional service ledger information generation unit

940: additional service ledger generation unit 945: additional service storage unit

950: add / delete the ledger of additional services 955: log information storage unit

960: additional service ledger check unit 965: swing / reverse swing check unit

970: swing / reverse swing processing unit 975: supplementary service ledger

980: Additional Service Management Ledger 985: Ledger Operation Interface

990: Multiple Account Ledger 993: Customer Ledger

995: client terminal

The present invention creates a compound account ledger including one or more attributes / conditions requested by a customer in a ledger system, and adds / deletes one or more additional service ledgers that add one or more preferred attributes / conditions to the compound account ledger. Configuring a reset / modify ledger detachable structure, one or more swing / reverse swing target ledger identification information for swing / reverse swing between internal accounts corresponding to one or more attributes / conditions included in the composite account, and the swing Generating a swing / reverse swing supplementary service ledger information including at least one swing / reverse swing condition information on a target / reverse swing target ledger; and a swing / reverse swing matched to the swing / reverse swing in the ledger system. Generating an additional service ledger; and the swing / reverse to the swing / reverse swing additional service ledger in association with the ledger system. Storing swing supplementary service ledger information and adding the swing / reverse swing supplementary service ledger to the compound account ledger (or a swing / reverse swing target internal ledger included in the compound account) in association with the ledger system; It relates to a swing / reverse swing providing method through the detachment of the ledger 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. A new required payment account must be opened.

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.

In addition, the financial system provided in the conventional financial sector has a general ledger operation method similar to the ledger ledger method in the past, and it is very difficult to support other items in addition to the items already built on the ledger at the time of designing the ledger. It includes the inconvenience of having to close the old ledger and process new ledgers including other items. Therefore, it is very difficult to provide various additional financial services temporarily during the operation of a specific financial account in the conventional financial system. Doing.

For example, in the case of a financial system provided in the conventional financial sector, even a simple task of changing the interest rate of a loan customer, the customer visits a bank window, fills out a loan interest change application, and correspondingly settles up to the point of the loan interest change. It is only possible after the loan ledger is terminated / newly processed.

An object of the present invention for solving the above problems is to create a compound account ledger including one or more attributes / conditions requested by a customer in a ledger system, and to add one or more preferred attributes / conditions to the compound account ledger. Ledger generation means constituting the ledger detachable structure for adding / deleting / resetting / modifying the above additional service ledgers, and one or more swings for swing / reverse swings between internal accounts corresponding to one or more attributes / conditions included in the composite account. Supplementary service ledger information generating means for generating swing / reverse swing supplementary ledger information including one or more reverse / swing target ledger identification information and one or more swing / reverse swing condition information on the swing / reverse swing target ledger; An additional service source for generating a swing / reverse swing additional service ledger that matches the swing / reverse swing in the ledger system An additional service storage means for storing the swing / reverse swing additional service ledger information in the ledger generation unit, the swing / reverse swing additional service ledger in association with the ledger system, and the swing / reverse swing additional service in association with the ledger system A system for providing a swing / reverse swing through detachment of an additional service ledger including an additional service ledger addition / deletion means for adding a ledger to the composite account ledger (or an internal ledger for which swing / reverse swing is included in the composite account). In providing.

According to the present invention, a method for providing a swing / reverse swing through detachment of an additional service ledger generates a compound account ledger including one or more attributes / conditions requested by a customer in a ledger system, and applies one or more priority to the compound account ledger. Constructing a ledger detachment structure for adding / deleting or resetting / modifying one or more value-added ledgers for adding attributes / conditions, and swinging / reverse swings between internal accounts corresponding to one or more attributes / conditions included in the composite account Generating at least one swing / reverse swing target ledger identification information for the swing and at least one swing / reverse swing target ledger information including at least one swing / reverse swing target ledger information for the swing / reverse swing target ledger; Creating a swing / reverse swing supplementary ledger matched to the swing / reverse swing in the ledger system; and the ledger system Storing the swing / reverse swing additional service ledger information in the swing / reverse swing additional service ledger in association with the multi-account ledger (or the composite account) Included in the swing / reverse swing target internal ledger included in) characterized in that it comprises a step.

On the other hand, the method of providing a swing / reverse swing through the detachment of the additional service ledger according to the present invention, generating a multi-account ledger including one or more attributes / conditions requested by the customer in the ledger system, and at least one Constructing a ledger detachment structure for adding / deleting or resetting / modifying one or more supplementary service ledgers to which an applied attribute / condition is added; and swinging between internal accounts corresponding to one or more attributes / conditions included in a compound account / Generating swing / reverse swing supplementary ledger information including at least one swing / reverse swing target ledger identification information for reverse swing and at least one swing / reverse swing condition ledger information for the swing / reverse swing target ledger. And an internal source for providing a swing / reverse swing included in the compound account ledger (or the combined account) in association with the ledger system. Among the one or more additional service ledgers previously added, the swing / reverse swing additional service ledger to which the swing / reverse swing additional service ledger information is reset / modified is included in the composite account ledger (or swing / reverse swing included in the composite account). And resetting / modifying the additional service ledger information in the identified additional service ledger in association with the ledger system.

The swing / reverse swing providing method through detachment and attachment of the supplementary service ledger according to the present invention may include a swing / reverse swing supplementary ledger added to the composite account ledger (or an internal ledger for providing swing / reverse swing included in the composite account). And checking the swing / reverse swing supplementary ledger when identifying the swing / reverse swing target ledger matching the swing / reverse swing condition from the swing / reverse swing supplementary ledger. The method may further include a step of processing a swing / reverse swing between internal accounts of the composite account corresponding to the swing / reverse swing target ledger according to the condition.

The swing / reverse swing providing method through detachment and attachment of the supplementary service ledger according to the present invention may include a swing / reverse swing supplementary ledger added to the composite account ledger (or an internal ledger for providing swing / reverse swing included in the composite account). And identifying at least one supplementary service ledger, and at confirmation of the swing / reverse swing supplementary service ledger and at least one supplementary service ledger, confirming swing / reverse swing condition information from the swing / reverse swing supplementary service ledger, Identifying a swing / reverse swing target ledger to which one or more supplementary service ledgers corresponding to the reverse swing conditions have been added (or reset / modified); and corresponding to the swing / reverse swing target ledger according to the swing / reverse swing conditions. It characterized in that it further comprises the step of processing the swing / reverse swing between the internal accounts of the composite account.

In the method for providing a swing / reverse swing through detachment and attachment of an additional service ledger according to the present invention, the additional service ledger log information corresponding to the addition / deletion or resetting / modification of the swing / reverse swing additional service ledger is added to the composite account ledger. And storing and managing the swing / reverse swings between the internal accounts included in the composite account.

In the method of providing a swing / reverse swing through detachment of an additional service ledger according to the present invention, the additional service ledger may include an interest rate adjustment additional service, a tax additional service, and a fee adjustment additional service to one or more internal ledgers included in the composite account. In addition, the billing support additional service, the billing / storage additional service, and record information extension additional service is recorded and added to each internal ledger.

In the method for providing a swing / reverse swing through detachment and attachment of an additional service ledger according to the present invention, the compound account ledger is required payment ledger, deferred ledger, earned ledger, resale corresponding to one or more attributes / conditions through the compound account. Characterized in that it comprises one or more linked ledger, mileage / coupon ledger, small loan ledger.

In the method of providing a swing / reverse swing through detachment of an additional service ledger according to the present invention, the swing / reverse swing condition information includes at least one swing / reverse swing reference amount information and swing / reverse swing date and time information. Among the one or more swing / reverse swing target ledgers included in the swing / reverse swing ledger identification information, additional service condition information that is added / deleted or reset / modified to the ledger to handle swing / reverse swing-interest adjustment condition information , Fee adjustment condition information, payment support condition information, billing / storage condition information, record information expansion conditions-characterized in that it further comprises.

On the other hand, it includes a computer-readable recording medium, characterized in that the program for executing the swing / reverse swing providing method through the above-described additional service ledger detachment.

On the other hand, the swing / reverse swing providing system through the additional service ledger detachment and detachment according to the present invention, generates a multi-account ledger containing one or more attributes / conditions requested by the customer in the ledger system, and at least one Ledger generation means constituting a ledger detachment structure that adds, deletes, resets, or modifies one or more supplementary service ledgers that add preferred attributes / conditions, and an internal account corresponding to one or more attributes / conditions included in the composite account. Generating swing / reverse swing supplementary ledger information including at least one swing / reverse swing target ledger identification information for swing / reverse swing and at least one swing / reverse swing condition ledger information for the swing / reverse swing target ledger. Additional service ledger information generating means and a swing / reverse swing additional service matching the swing / reverse swing to the ledger system Supplementary service ledger generating means for generating a ledger, supplementary service storage means for storing the swing / reverse swing supplementary service ledger information in the swing / reverse swing supplementary service ledger in association with the ledger system, and in association with the ledger system And an additional service ledger addition / deletion means for adding the swing / reverse swing additional service ledger to the composite account ledger (or the internal ledger for providing swing / reverse swing included in the composite account).

On the other hand, the swing / reverse swing providing system through the additional service ledger detachment and detachment according to the present invention, generates a multi-account ledger containing one or more attributes / conditions requested by the customer in the ledger system, and at least one Ledger generation means constituting a ledger detachment structure that adds, deletes, resets, or modifies one or more supplementary service ledgers that add preferred attributes / conditions, and an internal account corresponding to one or more attributes / conditions included in the composite account. Generating swing / reverse swing supplementary ledger information including at least one swing / reverse swing target ledger identification information for swing / reverse swing and at least one swing / reverse swing condition ledger information for the swing / reverse swing target ledger. An additional service ledger information generating means and the ledger system in association with the ledger system. Among the one or more additional service ledgers previously added to the included internal ledger to which the swing / reverse swing is provided, the multiple account ledger (or An additional service ledger checking means for confirming whether it is added to a swing / reverse swing target internal ledger included in the composite account and resetting / modifying the additional service ledger information in the identified additional service ledger in association with the ledger system. It is characterized by comprising an additional service storage means.

The swing / reverse swing providing system through detachment and attachment of the supplementary service ledger according to the present invention, the swing / reverse swing supplementary ledger added to the composite account ledger (or the internal ledger for providing the swing / reverse swing included in the composite account) Additional service ledger checking means for confirming the swing / reverse swing when the additional service ledger is confirmed, the swing / reverse swing target ledger matching the swing / reverse swing conditions from the swing / reverse swing additional service ledger And swing / reverse swing processing means for processing a swing / reverse swing between internal accounts of the composite account corresponding to the swing / reverse swing target ledger according to the swing check means and the swing / reverse swing condition. .

The swing / reverse swing providing system through the detachment of the additional service ledger according to the present invention, the swing / reverse swing additional service added to the composite account ledger (or the internal ledger for swing / reverse swing included in the composite account) Additional service ledger checking means for identifying a ledger and at least one additional service ledger; and when the swing / reverse swing additional service ledger and at least one additional service ledger are identified, the swing / reverse swing additional service ledger receives In accordance with the swing / reverse swing check means and the swing / reverse swing checking means for confirming the swing / reverse swing target ledger that has been added (or reset / modified) at least one additional service ledger corresponding to the swing / reverse swing conditions It further comprises a swing / reverse swing processing means for processing a swing / reverse swing between the internal accounts of the composite account corresponding to the target ledger swing / reverse swing It characterized by that.

The swing / reverse swing providing system through detachment and attachment of the supplementary service ledger according to the present invention may include additional service ledger log information corresponding to adding / deleting or resetting / modifying the swing / reverse swing supplementary service ledger to the composite account ledger. And storing log information storing means for managing the swing / reverse swing between internal accounts included in the composite account.

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

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

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

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

1 is a diagram illustrating a financial account opening system corresponding to a non-face-to-face transaction composite account according to an exemplary 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 to open 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 multiple 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, A system for opening a non-nameless face-to-face transaction account based on the account opening request information at the financial institution; It shows the construction.

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 a non-face-to-face transaction total 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 the 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 exemplary embodiment of the present invention, the account opening server 100 may be 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 device) on the ledger system 193 accessible through the web server or 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 is a non-face-to-face transaction server that a customer who opens the complex account for non-face-to-face transaction accesses 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 a communication channel with the client terminal 195 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 the voice call-based information (or data).

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 interface providing means) for providing the generated (or extracted) user interface for opening a composite account to the client terminal 195, and opening the composite account in the client terminal 195. When the account opening request information is input (or selected) through the user interface for transmission, the client is connected with the interface unit 105. It characterized in that the transmission from the terminal 195 to the account comprises an information receiving unit 115 (or an information receiving means) that receives the opening request information.

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 setting information, resale connection setting information, mileage / coupon setting information for providing mileage / coupon through the non-face-to-face multi-account account, and within a predetermined small range without credit / collateral confirmation It is preferable to include one or more small loan setting information for approving a loan without a loan examination.

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 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 complex account. .

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 a specific period (eg, a contract period or a promotion period, etc.) for the non-face-to-face complex account without a separate account new / cancellation. Fee reductions (e.g., fee reductions by agreements between customers and financial institutions), fee reductions by promotions (e.g., fee reductions by customers incorporating (or joining) in promotions of financial institutions (or affiliates)), It is preferable to include information for setting one or more fee coupon exchange (eg, fee reduction through a fee reduction coupon that is provided by a financial institution (or affiliated institution) 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), the payment fee reduction (e.g., the financial institution (or affiliate)) 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) Classifies and aggregates the amount of money deposited into a trading account according to one or more criteria), and sets up one or more information (e.g., deposit history information or withdrawal history information for a non-face-to-face transaction account). It is preferable to make it.

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, 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 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 advisable to verify that the validity for opening a non-face-to-face compound account is met.

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 125 (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 (or ledger generating means) for generating a loan ledger, and storing the customer ledger information in the customer ledger, and storing the compound account ledger information in the compound account ledger; An information storage unit 135 (or information storage means) for storing loan ledger information, and an additional service confirmation unit 140 for checking whether one or more additional service setting information is included in the account setting information included in the account opening request information. (Or additional service checking means) and the additional service ledger information generation unit 145 (or additional service for generating additional one or more additional service ledger information corresponding to the identified additional service setting information when the additional service setting information is checked). Ledger information generation means) and the ledger to customer source on the ledger system 193 that operates 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 125 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.

The customer ledger information may include personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer included in the customer information of the account opening request information. Member ID information), and a customer number (eg, a Customer Information File (CIF), etc.) to be assigned to the customer.

The ledger information generating unit 125 may further include basic account ledger information for a financial account corresponding to the non-face-to-face complex account based on the basic setting information of the account setting information included in the account opening request information. It is characterized in that the composite account ledger information including one or more required ledger information, earned ledger information, deferred ledger information, reselling 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.

According to an embodiment of the present invention, the basic account ledger information may include a swing / reverse swing setting information between the required ledger, the accumulated ledger, the deferred ledger and the resale linked ledger included in the composite account ledger, In order to easily apply a plurality of swing / reverse swing conditions for the swing / reverse swing of the ledger, the multiple account ledger in the form of value-added ledger (or required ledger, credited ledger, deferred ledger, It may be desirable to add (or reset / modify) any of the reseller-linked ledger, mileage / coupon ledger, or microloan ledger.

Here, the swing / reverse swing target ledger is required ledger (1) and required ledger (2), required ledger and earned ledger, required ledger and deferred ledger, required ledger and resale linked ledger, earned ledger (1) and earned ledger (2), ledgers and ledgers ledger, ledgers and led reseller ledger, ledgers ledger (1) and ledger ledger (2), ledgers led and resold ledger, ledgers led and resold ledger (1) and ledgers led by resale (2) Preferably, the swing / reverse swing condition includes swing / reverse swing reference amount information for withdrawing a swing / reverse swing amount from a withdrawal target ledger among the swing / reverse swing target ledgers and the withdrawal target. It is preferable that the swing / reverse swing amount is withdrawn from the ledger and includes at least one swing / reverse swing date and time information to be deposited into the deposit target amount. Interest rate adjustments that match the add-on ledgers that are added / deleted, reset, or modified in the chapter (or any of the required ledgers, reserve ledgers, deferred ledgers, resale linked ledgers, mileage / coupon ledgers, and microloan ledgers included in the compound account) It is preferable to include at least one of condition information, tax condition information, fee adjustment condition information, payment support condition information, billing / receipt condition information, and record information extension condition information.

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 includes the required amount of payment 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 associated account number generated through the setting information (= resale associated sub account number of the non-face-to-face complex account) further comprising resale associated 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 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 associated setting information, mileage / coupon setting information, small loan setting information, The ledger information generation unit 125 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 desirable to set manually by the customer (or automatically by financial institution policy).

In addition, the ledger information generation unit 125 may provide 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 collateral loan ledger information includes collateral loan condition information of the non-face-to-face transaction complex account set through the collateral loan setting information among the loan setting information included in the account opening request information, and the collateral loan setting information. It is preferable to further include a collateral loan account number (= collateral loan subaccount number of the non-face-to-face complex account) generated through, and preferably further comprises a collateral loan amount information set to the initial value '0' Do.

According to another embodiment of the present invention, if one or more of the credit setting information and the security loan setting information is omitted in the account opening request information, the ledger information generation unit 125 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 earning 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, and the generated resale-linked account number (= the non-face-to-face transaction) It is preferable to include a reselling ledger made up of one or more information fields for further storing the resale linked subaccount number of the compound account) and the resale linked amount information, each information field of the resale linked ledger is null ( NULL) value is preferably initialized.

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 generating unit 125 one or more of the required ledger information, accumulated ledger information, deferred ledger information, resale linked 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 preferable to be 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 125 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) To add or remove interest rates or discount credit rates) by adding / deleting them as attributes of the non-face-to-face transaction 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, financial institution (or affiliated agency) Or a commission reduction) by adding / deleting as a property of the non-face-to-face transaction complex account, and removing and rescuing ledger information, commission coupon exchange (for example, provided by a financial institution (or affiliated institution)), or General Ledger for adding / deleting fee reduction through purchased fee reduction coupon) as an attribute of the non-face-to-face transaction complex 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 (eg, 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 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 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 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 the exemplary 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 transaction composite account, whereby the real name of the non-face-to-face transaction composite account. It is desirable that limit restrictions and various transaction restrictions due to 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 information field of the interest rate adjustment value added services director 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 composite account, or non-face-to-face transaction composite account) for a specific period (eg, contract period) included in the generated tax additional 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 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, the amount of transaction limit through the non-face-to-face compound account for the non-face-to-face transaction complex account, the predetermined limit amount (for example, 500,000 won, or 2 million won) Ledger information to be managed within the), 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 composite account, the composite account for the non-face-to-face transaction It is preferable to include one or more information fields for storing the ledger information for limiting a part (or all) of mileage / coupon accumulation, each information field of the record information extension additional service ledger is initialized to a null value It is desirable to be.

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 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. And 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 checker 120, and the 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 information, generating an electronic document opening an account of encryption or electronic signature according to a predetermined 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 an HWP / DOC, etc.) containing document content including the watermarking after the watermarking method. Opening an account for opening a non-face-to-face compound account, such as a word processor file including one or more, or a web document file including an MHT) 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 transaction complex account, and included in the account opening request information. Generated document contents including one or more non-face-to-face authentication results through the 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 image content (eg, the image content generated by capturing the document content on the memory) by a watermarking method, an image file including the image content including the watermarking is included. It is preferable to process the account opening electronic document for opening the 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 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). That the account opening process to electronic documents for opening accounts for complex transactions are 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. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC) By creating a web page file, and so on) that include the word-processor file, or MHT containing one or more, it is preferred to process the electronic document to the account opening for said non-face-to-face transaction account opening for composite.

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, or a word processor file including one or more HWP / DOC, or a web document file including MHT), and the like, to process the account opening electronic document for opening a non-face-to-face compound account. .

Those skilled in the art to which the present invention pertains, the electronic document generation unit 170 corresponds to the technical features to generate 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 is generated by 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 compounded account, 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 After including the electronic document verification information preset in the document content including one or more non-face-to-face authentication result information through a watermarking method, a document file including the document content including the watermarking (eg, PDF ( Portable Document Format (EDI) files, EDI (Electronic Data Interchange) files, or word processor files containing one or more HWP / DOC, or MHT. It comprises a web page file, and so on), including preferred.

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 Preferably, the image file includes 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 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, the watermarking comprises an image file containing the image content included It 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. (For example, a war that includes one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, or the like). Deprocessor 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. 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 opening received by the account opening server 100 from the client terminal 195. Customer account information included in the request information and financial account information of the financial account corresponding to the non-face-to-face transaction complex account; account setting information, loan setting information, and 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 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. Document file including the document content including the watermarking after including the electronic document verification information in the watermarking method to the document content including at least one non-facet authentication result information through the non-facet authentication information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including one or more 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. After the watermarking (Watermarking) method, and including the image file including the image content including the watermarking It is desirable.

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 that 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 (eg, image content generated by capturing the document content on a memory). A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) Word processor files, or web document files containing MHT).

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 (e.g., an image generated by capturing the document content on a memory). 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. Generating image content including a watermarking method, 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.

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).

FIG. 2 is a diagram illustrating a ledger system corresponding to a non-face-to-face complex 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, in the ledger system shown in FIG. 2, although the credit ledger and the secured loan ledger are illustrated in the form of an internal ledger of the compound account ledger 225, the present invention is not limited thereto. And the mortgage ledger can be implemented in the form of independent ledgers linked in relation to the composite account ledger 225, it will be apparent that the present invention includes all the inferable implementation method.

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 comprises a ledger operating interface 220 to interface with the account opening server and one or more non-face-to-face transaction server 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. An ledger made up of an information field, which is connected to the customer ledger 230 in a relational manner, and that one or more additional service ledgers 210 are detached in an added / deleted manner through the additional service management ledger 215. desirable.

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 compounded account, and further includes a resold-linked account number (= resale-linked subaccount number of the non-face-to-face compounded account) and resale-associated amount information. A ledger that includes one or more information fields for storing, is linked to the customer ledger 230 in a relational manner, 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 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 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 the 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 multiple account, or the 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 preferable to include one or more information fields for storing the ledger information for taxation / non-taxation of one or more transaction attributes included in the face-to-face transaction account.

The fee adjustment additional service ledger 210 may reduce fee (eg, customer and finance) for a specific period (eg, a contract period or a promotion period) included in the generated fee adjustment additional service ledger 210 information. Ledger information for fee reduction by interagency agreements, ledger information for fee reduction by promotions (e.g. fee reduction by the inclusion (or subscription) of a customer in the promotion of a financial institution (or affiliate)), fee coupon It is preferred to include one or more information fields for storing ledger information for exchange (e.g., fee reduction through a fee reduction coupon provided by a financial institution (or affiliate)) 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 into 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 additional service ledger 210 is a deposit additional information record (for example, affiliated store (or SOHO)) for the affiliate store (or SOHO) included in the generated record information extension additional service ledger 210 information. 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 a composite account for non-face-to-face transactions), and withdrawal information (e.g., 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 the implementation method of the present invention, when the interest rate adjustment for the compound account is requested (or set) from the account opening server or one or more non-face-to-face transaction servers associated with the ledger system, the additional service management ledger 215 is Activate the interest rate adjustment additional service ledger 210 and add it to the compound account ledger 225 to the customer ledger 230, and then log the additional service ledger 210 log information for the interest rate adjustment additional service ledger 210 addition. It is preferable to generate and store in the additional service log D / B, or if the interest rate for the composite account is reset / modified from the account opening server or one or more non-face-to-face transaction server, the additional service management ledger 215 is After modifying (or updating) the additional service ledger 210 information related to the interest rate adjustment while the interest rate adjustment supplementary service ledger 210 is activated It is preferable to generate the additional service ledger 210 log information on the reset / modification of the interest rate adjustment additional service ledger 210 and store it in the additional service log D / B, or the account opening server or one or more non-face-to-face transaction servers. When the interest rate for the compound account is restored to the original value, the additional service management ledger 215 deactivates the interest rate adjustment additional service ledger 210 and deletes it from the compound account ledger 225 to the customer ledger 230. Thereafter, it is preferable to generate 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 a taxation / non-taxation setting for the compound account is requested (or set) from an account opening server associated with the ledger system or one or more non-face-to-face transaction servers, the value-added service management ledger 215 may provide the tax additional service. Activate the ledger 210 and add it to the multi-account ledger 225 to the customer ledger 230, and then generate additional service ledger 210 log information for the tax added service ledger 210 added additional service log D Preferably stored in / B, or when the tax / non-tax setting conditions for the compound account are reset / modified from the account opening server or one or more non-face-to-face transaction servers, the additional service management ledger 215 After modifying (or updating) the additional service ledger 210 information related to the taxation / non-tax setting in the state where the tax additional service ledger 210 is activated, It is preferable to generate additional service ledger 210 log information for resetting / modifying the tax added service ledger 210 and to store it in the additional service log D / B, or from the account opening server or one or more non-face-to-face transaction servers. When restoring the tax / non-tax setting conditions for a compound account, the VAT ledger 215 deactivates the VAT ledger 210 and deletes it from the compound account ledger 225 to the customer ledger 230. Afterwards, it is preferable to generate the additional service ledger 210 log information for deleting the tax additional service ledger 210 and store it in the additional service log D / B.

Alternatively, when a fee adjustment for the compound account is requested (or set) from an account opening server associated with the ledger system or one or more non-face-to-face transaction servers, the additional service management ledger 215 may be configured to execute the fee adjustment additional service ledger. After activating 210 and adding the composite account ledger 225 to the customer ledger 230, additional service ledger 210 log information for the fee adjustment additional service ledger 210 is generated to generate additional service log D. Preferably stored in / B, or when the fee for the compound account is reset / modified from the account opening server or one or more non-face-to-face transaction servers, the additional service management ledger 215 may be configured as the fee adjustment additional service ledger. The number after modifying (or updating) the additional service ledger 210 information related to the fee adjustment while 210 is activated. It is preferable to generate the additional service ledger 210 log information for resetting / modifying the fee adjustment additional service ledger 210 and to store it in the additional service log D / B, or from the account opening server or one or more non-face-to-face transaction servers. When restoring the fee for the combined account, the additional service management ledger 215 deactivates the fee adjustment additional service ledger 210 and deletes it from the composite account ledger 225 to the customer ledger 230. It is preferable to generate additional service ledger 210 log information for deleting the fee adjustment additional service ledger 210 and store it in the additional service log D / B.

Alternatively, when payment support for the compound account is requested (or set) from an account opening server or one or more non-face-to-face transaction servers associated with the ledger system, the additional service management ledger 215 may be configured as the payment support additional service ledger. Activate the 210 and add the composite account ledger 225 to the customer ledger 230, and then generate additional service ledger 210 log information for the payment support additional service ledger 210 is added to the additional service log D It is preferable to store in / B, or if the payment support conditions for the compound account is reset / modified from the account opening server to one or more non-face-to-face transaction server, the additional service management ledger 215 is added to the payment support After the service ledger 210 is activated, after modifying (or updating) the additional service ledger 210 information related to the payment support, the payment support unit It is preferable to generate additional service ledger 210 log information for resetting / modifying provisional service ledger 210 and to store it in additional service log D / B, or from the account opening server or one or more non-face-to-face transaction servers. When the payment support condition for the account is restored, the additional service management ledger 215 deactivates the payment support additional service ledger 210 and deletes it from the multiple account ledger 225 to the customer ledger 230. It is preferable to generate additional service ledger 210 log information for deleting the payment support supplementary service ledger 210 and store it in the additional service log D / B.

Alternatively, when the billing / receiving setting for the compound account is requested (or set) from an account opening server associated with the ledger system or one or more non-face-to-face transaction servers, the additional service management ledger 215 may request the billing / receiving. Activate the supplementary service ledger 210 and add it to the composite account ledger 225 to the customer ledger 230, and then generate the supplementary service ledger 210 log information for adding the billing / storage supplementary service ledger 210 It is preferable to store in the additional service log D / B, or if the billing / receipt setting conditions for the composite account is reset / modified from the account opening server or one or more non-face-to-face transaction server, the additional service management ledger 215 ) Modified (or updated) the supplementary service ledger 210 information related to the billing / receipt setting while the billing / receiving supplementary service ledger 210 is activated. After generating the additional service ledger 210 log information for resetting / modifying the billing / storage additional service ledger 210 is preferably stored in the additional service log D / B, or the account opening server to one or more non-face-to-face When restoring the billing / receipt setting conditions for the composite account from the transaction server, the supplementary service manager ledger 215 deactivates the billing / receiving supplementary service ledger 210 so as to deactivate the composite account ledger 225 through. After deleting from the customer ledger 230, it is preferable to generate additional service ledger 210 log information for deleting the billing / receipt additional service ledger 210 and store it in the additional service log D / B.

Alternatively, when the record information extension for the compound account is requested (or set) from an account opening server associated with the ledger system or one or more non-face-to-face transaction servers, the additional service management ledger 215 may add the record information extension. After activating the service ledger 210 is added to the multi-account ledger 225 to the customer ledger 230 to generate the additional information ledger 210 log information for the addition of the record information extension additional service ledger 210 It is preferable to store in the service log D / B, or if the record information extension for the composite account is reset / modified from the account opening server or one or more non-face-to-face transaction server, the additional service management ledger 215 is Modifying (or updating) the additional service ledger 210 information related to the recording information extension while the recording information extension additional service ledger 210 is activated. It is preferable to generate additional service ledger 210 log information for resetting / modifying the recorded information extension additional service ledger 210 and to store the additional service ledger 210 in the additional service log D / B, or the account opening server or one or more non-face-to-face. When restoring the record information extension for the compound account from the transaction server, the supplementary service management ledger 215 deactivates the record information extension supplementary service ledger 210 to restore the compound account ledger 225 to the customer ledger ( After deleting from 230, it is preferable to generate additional service ledger 210 log information for deleting the recorded information extension additional service ledger 210 and store it in the additional service log D / B.

According to the present invention, the ledger operating interface 220 is an account opening channel for opening the non-face-to-face transaction composite account on the ledger system in the account opening server, or the ledger system in one or more non-face-to-face transaction servers. A ledger management system (eg, a database management system) for interfacing a financial transaction channel for processing one or more non-face-to-face financial transactions (or payments) through the non-face-to-face complex account in connection with the account opening server. Adding / deleting one or more ledger generation requests requested from one or more non-face-to-face transaction servers, storing / updating various ledger information and one or more additional service ledgers 210 to the composite account ledger 225 to the customer ledger 230. It is characterized by providing an interface.

According to the method of the present invention, when the opening of the non-face-to-face complex account is requested from the account opening server, the ledger operating interface 220 responds to the non-face-to-face transaction on the ledger system in response to the request for opening the account. Create a customer ledger 230 and a composite account ledger 225 and one or more additional service ledger 210 corresponding to the composite account for the account, and connect the customer ledger 230 and the composite account ledger 225 in a relational manner, It is preferable to generate an additional service management ledger 215 to process one or more additional service ledgers 210 to be added / deleted to the multiple account ledgers 225 to the customer ledger 230.

Alternatively, when a non-face-to-face financial transaction is requested through the non-face-to-face transaction composite account from one or more non-face-to-face transaction servers, the ledger operating interface 220 may include a compound account ledger 225 corresponding to the non-face-to-face transaction composite account. Check the customer ledger 230, the one or more additional service ledger 210 added to the multi-account ledger 225 to the customer ledger 230 through the additional service management ledger 215, the confirmed After confirming various attributes / conditions of the non-face-to-face transaction composite account set through the supplementary service ledger 210, the non-face-to-face transaction composite account 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 and apply them to the composite account ledger 225.

Alternatively, when the account opening server or the one or more non-face-to-face transaction servers are requested to add one or more additional service ledgers 210 to the compound account ledger 225 to the customer ledger 230, the ledger management interface 220 One or more additional service ledger 210 to be added to the composite account ledger (225) to the customer ledger (230), and the generated (or confirmed) through the additional service management ledger 215 It is preferable to activate the above additional service ledger 210 and add it to the multiple account ledger 225 to the customer ledger 230, in which case the multiple account ledger 225 is It is desirable to apply the property / condition first.

Alternatively, when the account opening server or the one or more non-face-to-face transaction servers are requested to delete one or more additional service ledgers 210 from the multiple account ledgers 225 to the customer ledger 230, the ledger management interface 220 Check whether the at least one additional service ledger 210 requested to be deleted is added to the multiple account ledger 225 to the customer ledger 230 through the additional service management ledger 215, and the composite account ledger 225. To the customer ledger 230 is confirmed that the deleted additional service ledger 210 has been added, through the additional service management ledger 215 to deactivate the deleted additional service ledger 210 by the composite account ledger ( 225) to the customer ledger 230, and in this case, the composite account ledger 225 is preferably applied with its own attributes / conditions.

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

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

In more detail, FIG. 3 illustrates a combination of customer information, account setting information, loan setting information, and non-face-to-face authentication information through a non-face-to-face / non-real name type financial account opening interface at a client terminal on the financial account opening system shown in FIG. When the account opening request information including the above is transmitted to a financial institution, the financial institution reads the account opening request information and the process of authenticating the validity of opening the non-face-to-face complex account, in the technical field to which the present invention pertains. Those skilled in the art may refer to and / or modify this drawing 3 to implement various implementation methods (e.g., some steps may be omitted or the order may be changed) for the non-face-to-face transaction open account application process. It may be inferred, but the present invention includes all implementation methods inferred from the above. The technical features are not limited only to the implementation method shown on page 3.

Hereinafter, in FIG. 3, the client terminal on the financial account opening system shown in FIG. 1 is referred to as a "terminal" for convenience, and the account opening server is referred to as a "server" for convenience.

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 Generates one or more web pages including a user interface for opening one or more compound accounts for inputting (or selecting) 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. (Or extract) (315), and transmits and outputs one or more webpages including the user interface for opening one or more composite accounts to the terminal according to a preset webpage providing procedure (320), and correspondingly, the terminal Through the 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 compounded account, and request setting information for setting transaction attributes of the non-face-to-face compounded account. , Earning type setting information, deferred setting information, resale connection setting information, mileage / coupon setting information for providing mileage / coupon through the non-face-to-face multi-account account, and within a predetermined small range without credit / collateral confirmation It is preferable to include one or more small loan setting information for approving a loan without a loan examination.

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 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 complex account. .

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 a specific period (eg, a contract period or a promotion period, etc.) for the non-face-to-face complex account without a separate account new / cancellation. Fee reductions (e.g., fee reductions by agreements between customers and financial institutions), fee reductions by promotions (e.g., fee reductions by customers incorporating (or joining) in promotions of financial institutions (or affiliates)), It is preferable to include information for setting one or more fee coupon exchange (eg, fee reduction through a fee reduction coupon that is provided by a financial institution (or affiliated institution) 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), the payment fee reduction (e.g., the financial institution (or affiliate)) 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) Classifies and aggregates the amount of money deposited into a trading account according to one or more criteria), and sets up one or more information (e.g., deposit history information or withdrawal history information for a non-face-to-face transaction account). It is preferable to make it.

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, 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. For the information, the ID / PW-based authentication information and the authentication certificate-based authentication information includes one or more, and according to the intention of those skilled in the art further comprises an account opening password registered in the non-face-to-face authentication process provided in the account opening server It is preferable.

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 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. It is preferable to include a check to match with the customer ledger 230 on the system, and 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 advisable to verify that the validity for opening a non-face-to-face compound account is met.

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 confirmation of the validity of the opening of the compound account for the non-face-to-face transaction through the account opening request information further authenticates the non-face-to-face authentication information. It is preferable to comprise.

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 the non-face-to-face transaction open account is verified (345), the server performs the required payment, earning type, deferred type, resale linkage, mileage / coupon, and small loan based on the confirmed account opening request information. Combined with the non-face-to-face transaction function included above, interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, record information expansion, etc. manually (or automatically) departure according to customer choice (or financial institution policy) Open a combined non-face to face trading account.

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

In more detail, FIGS. 4A and 4B show the customer information, the account setting information, the loan setting information, and the non-face-to-face authentication from the client terminal shown in FIG. When the account opening request information including one or more information is received and the validity for opening the non-face-to-face transaction composite account is authenticated, the account opening server illustrated in FIG. 1 is used in the account account book 225 illustrated in FIG. In conjunction with the system, it is equipped with a non-face-to-face transaction function including one or more of the above required payment, earning type, deferred payment, resale linkage, mileage / coupon and small loan, and adjust interest rates, taxes, fees, payment support, billing / receiving, Opening a multi-account account for non-face-to-face transactions in which record information expansion, etc., can be manually and / or detached according to customer selection (or financial institution policy). For those of ordinary skill in the art to which the present invention pertains, various implementation methods (eg, a part) of the process of opening a multi-account transaction for non-face-to-face transactions by referring to and / or modifying the drawings 4a and 4b. 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 features may be changed only by the implementation methods shown in FIGS. 4A and 4B. It is 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.

In the following Figures 4a and 4b, the account opening server on the financial account opening system shown in Fig. 1 is 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 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. Create loan ledger information for the face-to-face transaction account (400), and register on the ledger system operating the ledger for the non-face-to-face transaction account. The customer ledger 230, the composite account ledger 225, and the loan ledger corresponding to the financial account corresponding to the non-face-to-face transaction composite account are generated (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 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 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 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 a compound 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, and the generated resale linked account number (= Preferably, the reselling ledger comprises one or more information fields for further storing resale-linked subaccount number) and resale-linked amount information of the non-face-to-face complex account. The field 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-based subaccount number for mileage / coupon operation of the non-face-to-face transaction account) and one or more information fields for further storing mileage / coupon value information. Preferably, each information field of the mileage / coupon ledger is preferably 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 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, the mortgage loan condition information (for example, the condition information for applying for, reviewing, and approving the mortgage loan in a non-face-to-face manner) included in the collateral loan ledger information corresponding to the non-face-to-face complex account To store and further store the generated collateral loan account number (= collateral loan subaccount number of the non-face-to-face complex account), collateral loan amount information, collateral loan information of the customer, loan limit amount information for each collateral It is preferable to include a mortgage ledger including one or more information fields, 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 (or automatically by a financial institution policy) by the customer in the process of using the non-face-to-face compounded account (or after checking the real name of the non-face-to-face compounded account). desirable.

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. And generating (435) information of one or more automatic setting additional service ledgers 210 which are automatically set in the non-face-to-face transaction composite account according to the policy of the financial institution, 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. Includes one or more additional service ledger 210 information among the ledger 210 information, payment support supplementary service ledger 210 information, billing / storage additional service ledger 210 information, and record information extension additional service ledger 210 information. It is preferable to make it.

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 ledger information, re-join / long-term interest rate addition / discount (eg, customer re-join, or account) to add / delete incoming interest rate or discount credit rate) as an attribute of the non-face-to-face compound 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 the 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 the fee reduction coupon purchased by the customer) as an attribute of the non-face-to-face transaction account. It is preferable to include one or more chapter information.

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., mileage credit provided by a financial institution (or affiliated institution) in response to payment processing) to add / delete as an attribute of the non-face-to-face transaction complex account Fund operators (national agencies / local device organizations that run welfare funds, insurance companies that operate benefits, pension operators who manage pensions, etc.) approve some (or all) of payment approvals through funds provided to the client. Ledger information and payment fee reduction (eg, financial institution (or affiliated agency) program) for adding / deleting and detaching as an attribute of the non-face-to-face complex account Add / delete the payment fee reduction according to the promotion or payment attribute as an attribute of the non-face-to-face transaction account, and the ledger information for detachment and removal, and the exchange of discount coupons through mileage Add / delete the coupon exchange) as an attribute of the non-face-to-face transaction complex account, and extract the ledger information and the affiliate discount (eg, a discount through the provision of an affiliate service with a specific affiliate) It is preferable to include at least one ledger information for adding and deleting as an attribute of the account to be detached.

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) Ledger information for depositing / detaching by adding / deleting a bond mortgage as an attribute of the non-face-to-face trading account and deposit amount classification / aggregation (eg, the amount of money deposited into the non-face-to-face trading account according to one or more criteria) Ledger information and 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 One or more additional service ledgers automatically set by the financial institution policy among the information, payment support supplementary service ledger 210 information, billing / storage additional service ledger 210 information, and record information extension additional service ledger 210 information. (210) information, and preferably comprises a 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. Addition / discount of contracted interest rate included in information (e.g., add interest rates or discount interest rates during contractual terms between customers and financial institutions), add / reduce promotional rates (e.g., financial institutions) Receiving interest rates by adding ledgers or discounting credit rates by promotions (or affiliated institutions), re-joining / long-term holdings / adding / discounting (e.g. customer re-joining or long term account retention) Ledger information for adding or discounting credit rates, and cumulative mileage earned by a financial institution (or affiliate) 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 in 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)) Ledger information for wealth (e.g., bill transfer by billing agency), ledger information for electronic bill payment management (e.g., 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 Is preferably initialized 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 for managing the transaction limit amount through a non-face-to-face compounded account within a preset limit amount (for example, 500,000 won or 2 million won), one or more loans (eg, small loan, Ledger information, which limits credit loans and mortgage loans), and one or more information fields to store ledger information that limits some (or all) of mileage / coupon credits for the non-face-to-face multiple account. Preferably, each 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 created 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 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 transaction complex account, and includes 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 account setting request information and watermarking the electronic document verification information preset in the document content. After including in a manner, a word processor including one or more document files (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content including the watermarking File, or a web document file including MHT) into an account opening electronic document for opening a non-face-to-face compound account. It is preferable.

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. 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. 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. After the content is captured by capturing the content in memory, the electronic document verification information is set in a watermarking manner, and the image file including the watermarking image content is included in the non-face-to-face transaction account. It is desirable to process the account opening electronic document for opening.

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, HWP / DOC, etc.) containing an image content (e.g., image content generated by capturing the document content on a memory) The non-face-to-face transaction complex by generating a word processor file including one or more, or a web document file including MHT). To process the electronic document to the account opening for left open 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. 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) Include one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process the account opening electronic document for opening the non-face-to-face complex account.

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 Generating a word processor file including one or more HWP / DOC, or a web document file including MHT) It is preferable to process the 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 content). Image content generated by capturing document content on a memory) and generating electronic document verification information by watermarking, and corresponding to the image content and the document content including the watermarking. Document files (e.g. Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / By generating a word processor file including one or more DOC, or a web document file including an MHT), it is preferable to process the account opening electronic document for opening a 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 (eg, customer information included in the account opening request information and the non-face-to-face transaction complex account) for generating electronic document management information in the electronic document server. And one or more of financial account information, financial institution information, and electronic document file format information for the financial account corresponding to the present invention, which can be transmitted to the electronic document repository, thereby limiting the present invention.

According to the 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 through the communication network.

According to an embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network, the customer information contained in the account opening request information received from the client terminal from the account opening server and the non-face-to-face Non-face-to-face through financial account information for the financial account corresponding to the transaction account, including 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 including document content including one or more authentication result information (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 the MHT).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including 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. After the electronic document verification information is included in the document content to be included in a watermarking method, a document file (for example, a PDF (Portable Document Format) file or EDI (Electronic) file including the document content including the watermarking) is included. Data Interchange) file, or a word processor file including one or more HWP / DOC, or MHT. It comprises a text file, etc.) is preferred.

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including 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. It is preferable to include an image file including the image content (for example, the image content generated by capturing the document content on the memory) to capture the document content to include.

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including 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. The watermarking method includes the electronic document verification information in a watermarking manner, and includes preset electronic document verification information in the captured image content (eg, the image content generated by capturing the document content on a memory). It is preferable to include an image file including the included image content The.

According to another embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network, the customer information contained in the account opening request information received by the account opening server from the client terminal and the non- 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; Document files (e.g., Portable Document Format (PDF)) including image contents (e.g., image contents generated by capturing the document contents on a memory) that capture document contents including one or more face-to-face authentication result information. A word processor that contains one or more files, Electronic Data Interchange (EDI) files, or HWP / DOC. It is preferred which comprises a web page file, and so on) containing the file, or MHT.

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including 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. Generating image content including electronic document verification information set in a watermarking manner in the image content (for example, the image content generated by capturing the document content on a memory) including the document content including the document content; And a document file (eg, PDF (Port) containing the image content including the watermarking. preferably, a document document file including one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network, the customer information contained in the account opening request information received by the account opening server from the client terminal; It includes financial account information for the financial account corresponding to the non-face-to-face complex account, 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 (e.g., image content generated by capturing the document content on a memory) and document file corresponding to the document content (e.g., captured document content including one or more non-face-to-face authentication result information) One or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network corresponds to the customer information included in the account opening request information received from the client terminal by the account opening server and the non-face-to-face complex account. At least one non-face-to-face authentication result information including financial account information for the financial account, including 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. Generating image content including electronic document verification information set in a watermarking manner in the image content (for example, the image content generated by capturing the document content on a memory) including the document content including the document content; Corresponding to the document content and the image content including the watermarking. 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). desirable.

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 a financial institution that has transmitted the account opening electronic document with reference to the account opening server that has transmitted the received account opening electronic document, and the identified financial institution It is desirable to generate electronic document management information that further includes the information.

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server through the electronic document storage, the received electronic document related information (eg, included in the account opening request information). Preferably, the electronic document management information further includes financial account information, financial institution information, and electronic document file format information for the financial account corresponding to the composite account for the non-face-to-face transaction.

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 exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B by the electronic document storage includes the customer information included in the account opening request information received from the client terminal by the account opening server, and the 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 A word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including one or more non-face-to-face authentication result information. File, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information includes financial account information of a corresponding financial account, and includes 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. After the electronic document verification information is further included in the document content including the watermarking method, the document file including the document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI). (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC, etc., or including an MHT It comprises a text file, etc.) is preferred.

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, 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 the above.

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, 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 set in the watermarking method in the image content (e.g., the image content generated by capturing the document content on a memory) which captures the document content further including the water content, It is preferable to include an image file including image contents including markings. The.

According to another exemplary embodiment of the present invention, an account opening electronic document stored in the electronic document D / B by the electronic document repository includes customer information included in the account opening request information received from the client terminal by the account opening server. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, 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 Document files (e.g., Portable Document (PDF) including 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. Word processor that includes one or more Format files, Electronic Data Interchange files, or HWP / DOC. 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 is stored in the account information and the non-face-to-face transaction account included in the account opening request information received from the client terminal. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, 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 Image content including electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) captured by document content including watermarking method in a watermarking manner. A document file (eg, PDF (Port) containing the image content including the watermark preferably, a document document file including one or more HWP / DOC, or a web document file including 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 storage is customer information included in the account opening request information received from the client terminal by the account opening server. And non-face-to-face authentication information included in the account setting information and the loan setting information and the account opening request information included in the account opening request information, including the financial account information for the financial account corresponding to the non-face-to-face complex account. Image content (e.g., image content generated by capturing the document content on a memory) and document file corresponding to the document content (captured) including document content including one or more non-face-to-face authentication result information through For example, one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, or the like. It comprises a web page file, and so on) by including the word processor file, or MHT that is preferred.

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the customer information included in the account opening request information received from the client terminal and the non-face-to-face transaction account. The non-face-to-face authentication result information including the financial account information for the corresponding financial account, 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 Image content including electronic document verification information preset in image content (eg, image content generated by capturing the document content on a memory) captured by document content including watermarking method in a watermarking manner. A document corresponding to the document content and the image content including the watermarking; 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). desirable.

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 comprises the information sent to the account opening electronic document confirmed with reference to.

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

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

In more detail, Figure 5 is provided with a non-face-to-face transaction function that includes one or more required payments, earning, deferred, resale associated, mileage / coupon, small loans in one compound account ledger, interest rate adjustment, tax, Open a non-face-to-face complex account that provides fee adjustments, payment support, billing / receipt, and record information expansion through the additional service ledger that is detached from the multiple account ledger. In the following, the system is provided in the ledger system 594 provided in a financial institution, and the compound account ledger or the customer ledger is provided in the financial system 593 of the existing financial sector synchronized with the additional service ledger system 594. In particular, the customer can use the non-face-to-face and non-real name financial account opening interface to provide customer information, account setting information, loan setting information, When the account opening request information including one or more cotton authentication information is provided to a compound account opening institution (hereinafter referred to as a financial institution), the financial institution may use a non-real name non-face-to-face transaction account based on the account opening request information. It shows a system configuration to open a.

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 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 595, 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. 5, an 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, but the present invention thereby 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, at least one 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 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 500" for convenience.

Referring to FIG. 5 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 595 including one or more wired or wireless terminals used by a customer. The client terminal 595 is connected to the account opening server 500 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 500 through at least one client terminal 595 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. Inputting (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 the 500, the client terminal 595 via the communication network It is preferable to transmit to the account opening server 500 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 500 is connected to the client terminal 595 among the Internet banking server, wireless banking server, telebanking server, TV banking server for a composite account according to the characteristics of the client terminal 595 and the communication network characteristics Either one, or preferably comprises a separate web server for opening the non-face-to-face complex account.

The communication network connecting the client terminal 595 and the account opening server 500 may include a CDMA / WCDMA / GSM-based mobile communication network, an HSDPA-based wireless data communication network, according to a wireless communication network type to which the client terminal 595 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 595 outputs one or more user accounts for opening a compound account provided by the account opening server 500, 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 a communication function or a program and a communication function to communicate with the account opening server 500, etc.) for transmission to the 500 be provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 595 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 595 including one or more wired or wireless terminals used by the customer, and one or more connecting the client terminal 595 and the account opening server 500. 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 500 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 595 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 500 is a web server provided with a financial institution to which the client terminal 595 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 594 accessible through the web server, or 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 500 is a non-face-to-face transaction server that a customer who opens the non-face-to-face transaction complex account accesses through the client terminal 595, or the non-face-to-face Or a server (or device) on the ledger system 594 accessible through the non-face-to-face transaction server or a program provided with the transaction server. Preferably, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the account opening server 500 is an information registration server connectable to a financial automatic device or a call terminal, in addition to the client terminal 595, or provided in the information registration server. It is preferable to include a server (or device) on the ledger system 594 which is a program or accessible through the information registration server, or accessible through the information registration server, and thereby the present invention. This is not limited.

According to an embodiment of the present invention, the account opening server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a communication channel with the client terminal 595 through the communication network.

According to an embodiment of the present invention, when the client terminal 595 is a wired terminal connected to a wired communication network, the interface unit 505 communicates with the client terminal 595 based on a protocol stack defined in the wired communication network. It is desirable 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 595.

For example, when the client terminal 595 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 may be connected to the client terminal 595 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 595 is provided with a communication program (eg, a non-face-to-face banking program) provided by the account opening server 500, the interface unit 505 may be configured based on the TCP / IP protocol. It connects the client terminal 595 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 595 is a wireless terminal connected to a wireless communication network, the interface unit 505 may be connected to the client terminal 595 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 provided in the client terminal 595.

For example, when the client terminal 595 is provided with a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 505 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 595 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 500, the interface unit 505 may be configured to include the communication program. It connects a communication channel with the client terminal 595 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 595 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 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 505 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. 5, when the client terminal 595 connects a communication channel through the interface unit 505, the account opening server 500 sets up the client terminal for opening a non-face-to-face complex account. Input (or select) the account opening request information at 595 to generate (or extract) one or more compound account opening user interfaces for transmitting to the account opening server 500, and the interface unit 505 and An interface providing unit 510 (or an interface providing unit) for providing the generated user interface for opening the combined account to the client terminal 595 in association with the combined terminal in the client terminal 595; When the account opening request information is input (or selected) through the opening user interface, the client is connected with the interface unit 505 to transmit the account opening request information. And an information receiving unit 515 (or information receiving means) for receiving the account opening request information transmitted from the terminal 595.

The interface providing unit 510 connects a communication channel with the account opening server 500 through the interface unit 505, and then the non-face-to-face transaction with the account opening server 500. When requesting a user interface for opening a composite account for the user, the client terminal 595 inputs (or selects) account opening request information and opens one or more composite accounts for transmission to the account opening server 500 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 505, the user interface for creating a multi-account opened to the client terminal 595 through the communication network. It is characterized by providing.

When the client terminal 595 is a wired terminal connected to a wired communication network according to an exemplary embodiment of the present invention, the interface providing unit 510 may be provided as a browser program or a communication program provided in the client terminal 595. 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 595 through the interface unit 505.

According to another exemplary embodiment of the present invention, when the client terminal 595 is a wireless terminal connected to a wireless communication network, the interface providing unit 510 is provided as a browser program or a communication program provided in the client terminal 595. 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 595 through the interface unit 505.

According to another exemplary embodiment of the present invention, when the client terminal 595 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 510 is connected to the call terminal (not shown). Generate (or extract) a user interface (eg, a voice-ment-based user interface or a graphic user interface that can be output through a screen output means provided in the call terminal) that can be provided, and the interface unit 505. It is preferable to provide the generated (or extracted) user interface to the call terminal (not shown) through.

According to another exemplary 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 595 and transmitting the account opening request information to the account opening server 500 through the communication network. In this case, the interface providing unit 510 for generating (or extracting) the composite account opening user interface and providing it to the client terminal 595 may be omitted, and the present invention is not limited thereto.

Thereafter, the client terminal 595 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 500 through the communication network. In response thereto, the information receiving unit 515 is connected to the interface unit 505 to the client terminal. And receiving the account opening request information transmitted from 595.

According to an embodiment of the present invention, the client terminal 595 is a non-face-to-face authentication procedure (for example, provided in the account opening server 500) for transmitting the account opening request information to the account opening server 500 (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 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 500 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. 5, when the account opening request information is received through the information receiving unit 515, the account opening server 500 may use the received account opening request information for opening a non-face-to-face complex account. Characterized in that it comprises a validating unit 520 (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 520 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.

Or, if the electronic signature is attached to the account opening request information, the validity check unit 520 checks the electronic signature attached to the account opening request information, so that the account opening request information is the non-face-to-face complex 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 the method of the present invention, the validation of the open account for the non-face-to-face compound account opening through the account opening request information is one or more ledgers matched with the account opening request information in the ledger system 594 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 with the account opening request information is not registered in the ledger system 594. 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. 5, the account opening server 500 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 520. 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 525 (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; Responding to the non-face-to-face compound account on the financial system 593 of the existing financial sector synchronized with the ledger system 594, which operates an additional service ledger for the compound account. The ledger generation unit 530 (or ledger generating means) which processes to generate a customer ledger, a composite account ledger and a loan ledger for a financial account, and the customer ledger information in the created customer ledger on the financial system 593. An information storage unit 535 for storing the multi-account ledger information in the generated multi-account ledger on the financial system 593 and storing the multi-ledger ledger information in the generated loan ledger on the financial system 593. (Or information storage means), and an additional service confirmation unit 540 (or additional service confirmation means) for confirming whether one or more additional service setting information is included in the account setting information included in the account opening request information; Additional service ledger information generation unit 545 for generating one or more additional service ledger information corresponding to the identified additional service setting information when the additional service setting information is confirmed. An additional service ledger for generating one or more additional service ledgers associated with the multiple account ledger or the customer ledger on a ledger system 594 that operates an additional service ledger information generating means) and a ledger for the non-face-to-face composite account. A generation unit 550 (or additional service ledger generation means) and an additional service storage unit 555 (or additional service storage means) for storing respective additional service ledger information in the generated one or more additional service ledgers; Characterized in that made.

When the validity confirming unit 520 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the ledger information generating unit 525 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.

The customer ledger information may include personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer included in the customer information of the account opening request information. 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 generation unit 525 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.

According to an embodiment of the present invention, the basic account ledger information may include a swing / reverse swing setting information between the required ledger, the accumulated ledger, the deferred ledger and the resale linked ledger included in the composite account ledger, In order to easily apply a plurality of swing / reverse swing conditions for the swing / reverse swing of the ledger, the multiple account ledger in the form of value-added ledger (or required ledger, credited ledger, deferred ledger, It may be desirable to add (or reset / modify) any of the reseller-linked ledger, mileage / coupon ledger, or microloan ledger.

Here, the swing / reverse swing target ledger is required ledger (1) and required ledger (2), required ledger and earned ledger, required ledger and deferred ledger, required ledger and resale linked ledger, earned ledger (1) and earned ledger (2), ledgers and ledgers ledger, ledgers and led reseller ledger, ledgers ledger (1) and ledger ledger (2), ledgers led and resold ledger, ledgers led and resold ledger (1) and ledgers led by resale (2) Preferably, the swing / reverse swing condition includes swing / reverse swing reference amount information for withdrawing a swing / reverse swing amount from a withdrawal target ledger among the swing / reverse swing target ledgers and the withdrawal target. It is preferable that the swing / reverse swing amount is withdrawn from the ledger and includes at least one swing / reverse swing date and time information to be deposited into the deposit target amount. Interest rate adjustments that match the add-on ledgers that are added / deleted, reset, or modified in the chapter (or any of the required ledgers, reserve ledgers, deferred ledgers, resale linked ledgers, mileage / coupon ledgers, and microloan ledgers included in the compound account) It is preferable to include at least one of condition information, tax condition information, fee adjustment condition information, payment support condition information, billing / receipt condition information, and record information extension condition information.

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 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, The ledger information generation unit 525 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 525 may be configured to 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, when 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 generating unit 525 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 520 confirms that the validity of the open account for non-face-to-face trading is confirmed through the account opening request information, the ledger generator 530 operates a ledger for the non-face-to-face complex account. Check the financial system 593 of the existing financial sector synchronized with the system 594, and on the financial system 593, the customer ledger, the composite account ledger and the loan ledger for the financial account corresponding to the non-face-to-face composite account. It characterized in that to generate.

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, and the generated resale-linked account number (= the non-face-to-face transaction) It is preferable to include a reselling ledger made up of one or more information fields for further storing the resale linked subaccount number of the compound account) and the resale linked amount information, each information field of the resale linked ledger is null ( NULL) value is preferably initialized.

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 525 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 If omitted, the ledger generation unit 530 preferably does not generate a ledger matching 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.

According to another embodiment of the present invention, when one or more of the credit ledger information and the secured loan ledger information are omitted by the ledger information generation unit 525, the ledger generation unit 530 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 a customer ledger, a composite account ledger, and a loan ledger for a financial account corresponding to the non-face-to-face transaction composite account are created in the financial system 593 of the existing financial sector, the information storage unit 535 may generate the financial system 593. And store the customer ledger information in the created customer ledger on the financial system 593, store the compound account ledger information in the created composite account ledger on the financial system 593, and the financial system ( 593) by storing the loan ledger information in the created loan ledger on the basis of the non-face-to-face authentication result through the validity verification unit 520 (e.g., laws related to financial real-name transaction and confidentiality) And the combined account for non-face-to-face non-personal transactions without the face-to-face verification of face-to-face verification by concurrent decree (Presidential Decree No. 15744). It is characterized by establishing in).

When the validity confirming unit 520 confirms the validity of opening a non-face-to-face compound account through the account opening request information, the additional service checking unit 540 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 generation unit 545 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 extension additional service It is preferable to include at least one additional service ledger information of the 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 by discounting the credit rate) as an attribute of the non-face-to-face compound 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, 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 Information preferably comprises one or more than one.

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 (eg, 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 Storing the amount charged to the virtual account (e.g., the customer (= holder of a non-face-to-face combined account) by one or more billing institutions) 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 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 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 545 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 additional service ledger information is a preset limit amount (eg, 500,000 won, or until the transaction limit amount through the non-face-to-face complex account until the real name verification of the face-to-face method for the non-face-to-face complex account) 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 the mileage / It is preferable to include one or more ledger information that limits a portion (or all) of coupon accumulation.

According to the exemplary 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 transaction composite account, whereby the real name of the non-face-to-face transaction composite account. It is desirable that limit restrictions and various transaction restrictions due to unconfirmed status be lifted.

When one or more additional service ledger information is generated by the additional service ledger information generation unit 545, the additional service ledger generation unit 550 is synchronized with the financial system 593 in which the multiple account ledger or the customer ledger is generated. Generating one or more additional service ledgers corresponding to the generated additional service ledger information in the ledger system 594 (or the ledger system 594 in which the additional service ledger corresponding to the non-face-to-face transaction complex account is to be provided). It features.

Here, the interest rate adjustment supplementary service ledger adds / reduces an interest rate for the 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 Preferably, each information field of the interest rate adjustment supplementary service ledger is initialized to a 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 on one or more of the transaction attributes included. 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 of 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 Each information field of the player) to be made including at least one information field for storing the ledger information is desired for the billing support additional services director is preferably initialized to a null (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 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. To the account information for depositing / detaching by adding / deleting the deposit history information according to one or more criteria) as expansion information of the non-face-to-face complex account, and for the automatic deposit of the deposit amount (for example, a receivable security loan). General ledger information, ledger information for classifying / aggregating deposit amounts (e.g., classifying and counting amounts deposited into a non-face-to-face compound account according to one or more criteria), deposit and withdrawal information (e.g. depositing for a non-face-to-face compound account) History information or withdrawal history information recording), and preferably includes 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, the amount of transaction limit through the non-face-to-face compound account for the non-face-to-face transaction complex account, the predetermined limit amount (for example, 500,000 won, or 2 million won) Ledger information to be managed within the), ledger information for limiting one or more loans (e.g., including one or more small loans, credit loans, mortgage loans) through the non-face-to-face composite account, for the non-face-to-face composite account It is preferable to include one or more information fields for storing the ledger information for limiting a part (or all) of mileage / coupon accumulation, each information field of the record information extension additional service ledger is initialized to a null value It is preferable to be.

When one or more additional service ledgers are synchronized to the ledger system 594 and synchronized with the multiple account ledger or the customer ledger generated in the financial system 593 of the existing financial sector, the additional service storage unit 555 may be configured. By storing each additional service ledger information corresponding to each of the generated one or more additional service ledgers in association with the ledger system 594, to the customer based on the non-face-to-face authentication result through the validation unit 520 It is characterized by opening a compound account for non-face-to-face non-face-to-face transactions without real name verification (e.g., real name verification based on face-to-face verification based on the Financial Real Name System Transaction and Confidentiality Act and Concurrent Decree (Presidential Decree 15744)). .

Referring to FIG. 5, when the account opening server 500 stores each of the additional service ledger information corresponding to each of the one or more additional service ledgers generated by the additional service storage unit 555, the ledger system is stored. An additional service for processing the additional service ledger, in which the additional service ledger information is stored, to be remotely added to the compound account ledger or the customer ledger corresponding to the non-face-to-face complex account provided in the financial system 593 in association with 591. The ledger addition / deletion unit 560 (or an additional service ledger addition / deletion means) and the ledger system 594 are connected to the multi-account ledger or the customer ledger provided in the financial system 593. Additional service ledger log information for the remote addition is generated and stored in the additional service log D / B provided in the ledger system 594 (or the financial system 593). Additional service ledger or additional service remotely added to the composite account ledger or the customer ledger in association with the log information storage unit 565 (or log information storage means) to be processed and the ledger system 594 and the financial system 593. And a ledger synchronizing unit 563 (or ledger synchronizing means) for synchronizing ledger log information.

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 550 is stored by the additional service storage unit 555, the additional service ledger add / delete unit is stored. In operation 560, the additional service ledger in which the additional service ledger information is stored in association with the ledger system 594 may be transferred to a composite account ledger or a customer ledger corresponding to the non-face-to-face transaction composite account provided in the financial system 593. Characterized in that the processing to be added remotely.

According to an embodiment of the present invention, the additional service ledger add / delete unit 560 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 594, 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 565 is connected to the ledger system 594 (or the financial system 593). Generate additional service ledger log information for remotely adding a service ledger to the composite account ledger or the customer ledger to be stored in the additional service log D / B provided in the ledger system 594 (or financial system 593). It is characterized by processing.

The additional service ledger storing the additional service ledger information is remotely added to the multiple account ledger or the customer ledger, or the additional service ledger log information is stored in the additional service log D / B through the log information storage unit 565. When the ledger synchronizer 563 is connected to the ledger system 594 and the financial system 593, the ledger synchronization unit 563 may add the additional service ledger to the additional service ledger log information remotely added to the multiple account ledger or the customer ledger. 594) and the financial system 593.

Referring to FIG. 5, the account opening server 500 authenticates the validity of opening a non-face-to-face transaction account through the account opening request information through the validity checking unit 520 and corresponds to the account opening request information. When the non-face-to-face compounded account is opened, an electronic document generation unit 570 for generating an account opening electronic document including the account opening request information and the financial account information of the financial account corresponding to the non-face-to-face compounded account. (Or electronic document generating means) and an electronic document transmitting unit 573 (or electronic document transmitting means) for transmitting the generated account opening electronic document to the electronic document storage associated with the financial account opening system. It is characterized by.

When the validity of the opening of the non-face-to-face transaction composite account through the account opening request information is authenticated through the validity checker 520, and the non-face-to-face transaction composite account corresponding to the account opening request information is opened, the electronic document is generated. The unit 570 may include customer information included in the account opening request information and financial account information regarding 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 electronic document information and electronic document form 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 include the electronic document information in the electronic document form. Thereafter, according to a preset electronic document generation method, it is characterized in that to generate an electronic document for encryption or digital signature account opening.

According to an exemplary embodiment of the present invention, the electronic document generation unit 570 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. 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 570 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 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 570 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 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 570 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 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 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 generation unit 570 includes customer information included in the account opening request information and financial account information of the 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 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 for complex transactions are preferred.

Alternatively, the electronic document generation unit 570 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 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 generation unit 570 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 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. 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 including 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 570 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 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, or a word processor file including one or more HWP / DOC, or a web document file including MHT), and the like, to process the account opening electronic document for opening a non-face-to-face compound account. .

Those skilled in the art to which the present invention pertains, the electronic document generating unit 570 is a technical feature to generate an account opening electronic document in the form of an image file or document file format, and corresponds 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 570, the electronic document transmitting unit 573 transmits the generated account opening electronic document to an electronic document storage associated with the financial account opening system. Characterized in that for storing.

As shown in FIG. 5, the electronic document repository includes an electronic document server 575 and an electronic document D / B 590 linked with an account opening server 500 on the financial account opening system through a communication network. When provided in the, the electronic document transmission unit 573 is characterized in that for transmitting the account opening electronic document generated by the electronic document generation unit 570 to the electronic document server 575 via the communication network. .

Here, when the electronic document server 575 and the electronic document D / B 590 is provided outside the financial account opening system, the electronic document server 575 and the electronic document D / B 590 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 573 may be generated by the electronic document generation unit 570. It is possible to store the account opening electronic document in the electronic document D / B 590 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 573 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 575. 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. 5, an electronic document server 575 corresponding to an electronic document repository for receiving and managing the account opening electronic document from the account opening server 500 provided on the financial account opening system is provided through a communication network. Electronic document receiving unit 580 for receiving the account opening electronic document from the account opening server 500, and electronic document management for storing and managing the received account opening electronic document in the electronic document D / B (590) An information generating unit 583 for generating information, and an electronic document storage unit 585 for storing the electronic document management information and the account opening electronic document in the electronic document D / B 590 and storing the information. It is characterized by.

The electronic document receiving unit 580 may receive an account opening electronic document in the form of an image file or a document file from the account opening server 500 through the communication network.

According to an embodiment of the present invention, the account opening electronic document that the electronic document receiving unit 580 receives through the communication network, the account opening request information received by the account opening server 500 from the client terminal 595. 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 that the electronic document receiving unit 580 receives through the communication network includes customer information included in the account opening request information received by the account opening server 500 from the client terminal 595 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 that the electronic document receiving unit 580 receives through the communication network includes customer information included in the account opening request information received by the account opening server 500 from the client terminal 595 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 Preferably, the image file includes 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 non-face-to-face authentication result information.

Alternatively, the account opening electronic document that the electronic document receiving unit 580 receives through the communication network includes customer information included in the account opening request information received by the account opening server 500 from the client terminal 595 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 received by the electronic document receiving unit 580 through the communication network, the account opening request received by the account opening server 500 from the client terminal 595. 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. Document including image content (e.g., image content generated by capturing the document content on a memory) that captures document content including one or more non-face-to-face authentication result information through the included non-face-to-face authentication information One or more files (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC). 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 that the electronic document receiving unit 580 receives through the communication network includes customer information included in the account opening request information received by the account opening server 500 from the client terminal 595 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 580 receives through the communication network, the account opening server 500 received from the client terminal 595. Customer account information included in the request information and financial account information for the financial account corresponding to the non-face-to-face transaction complex account; account setting information, loan setting information, and 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 non-face-to-face authentication information included in the memory. Corresponding document files (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, etc.) And at least one word processor file or web document file including MHT).

Alternatively, the account opening electronic document that the electronic document receiving unit 580 receives through the communication network includes customer information included in the account opening request information received by the account opening server 500 from the client terminal 595 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 and the document content including the watermarking. 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 583 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 580, and the account opening electronics through the electronic document receiving unit 580. 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 583 refers to the account opening server 500 which transmitted the account opening electronic document received through the electronic document receiving unit 580, and opens 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 exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server 500 through the electronic document receiving unit 580, the information generating unit 583 may receive the received electronic document. 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 585 associates an account opening electronic document received through the electronic document receiving unit 580 with electronic document management information generated through the information generating unit 583 to perform an electronic document D / B ( 590).

According to the exemplary embodiment of the present invention, the account opening electronic document stored in the electronic document D / B 590 by the electronic document storage unit 585 is configured by the account opening server 500 from the client terminal 595. 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 electronic document stored in the electronic document D / B 590 by the electronic document storage unit 585 is based on the account opening request information received by the account opening server 500 from the client terminal 595. 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. Document file including the document content including the watermarking after including the electronic document verification information set in the watermarking method to the document content including at least one non-face-to-face authentication result information through the non-face-to-face authentication information (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including one or more HWP / DOC, or MH) Web document file including T).

Alternatively, the account opening electronic document stored in the electronic document D / B 590 by the electronic document storage unit 585 is based on the account opening request information received by the account opening server 500 from the client terminal 595. 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 590 by the electronic document storage unit 585 is based on the account opening request information received by the account opening server 500 from the client terminal 595. 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 590 by the electronic document storage unit 585 is the account opening server 500 by the client terminal 595. 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., an image 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. One or more document files (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, etc.) containing the contents; 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 590 by the electronic document storage unit 585 is based on the account opening request information received by the account opening server 500 from the client terminal 595. 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 embodiment of the present invention, the account opening electronic document that the electronic document storage unit 585 stores in the electronic document D / B (590) is the account opening server 500 is the client terminal ( 595), the customer 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 complex account, and the account setting information and loan setting included in the account opening request information Image content (e.g., generated by capturing the document content in memory by capturing 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). Image content) and a document file corresponding to the document content (for example, 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 590 by the electronic document storage unit 585 is based on the account opening request information received by the account opening server 500 from the client terminal 595. 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. Generating image content including a watermarking method, and the image content and the document content including the watermarking. 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, electronic document management information stored in the electronic document D / B 590 by the electronic document storage unit 585 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 590 by the electronic document storage unit 585 in association with the account opening electronic document is the account opening electronic document. It is preferable that the financial institution further includes the information of the financial institution that has transmitted the account opening electronic document, which has been identified with reference to the account opening server 500 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 500, the electronic document storage unit 585 associates with the account opening electronic document and processes the electronic document. The electronic document management information stored in the D / B 590 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).

FIG. 6 is a diagram illustrating the structure of a ledger system corresponding to a non-face-to-face transaction complex account and a financial system of an existing financial sector according to another exemplary embodiment of the present invention.

In more detail, Figure 6 shows a single account ledger 630 and customer ledger 635 of non-face-to-face transaction functions, including one or more of the required payment, earning, deferred, resale associated, mileage / coupon, small loans of the existing financial sector By providing in the financial system, the interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, record information expansion, etc. of the compound account in the form of an additional service ledger 610 in the ledger system synchronized with the financial system, As an illustration of a ledger system and a financial system configuration for opening a non-face-to-face complex account that provides one or more non-face-to-face transactions through a supplementary service ledger 610 that is remotely detached from the multiple account ledger 630 on the financial system. Specifically, the customer ledger 635 and the composite account ledger 630 corresponding to the non-face-to-face complex account are provided in the financial system of the existing financial sector. Left director 630 to one or more additional service director 610 to be added / deleted in the customer ledger 635 illustrates an exemplary method provided in the ledger system corresponding to a composite accounts for the non-face-to-face transactions.

Those skilled in the art to which the present invention pertains, various implementation methods for the configuration of the ledger system corresponding to the complex account for non-face-to-face transactions and the financial system of the existing financial sector by referring to and / or modifying the drawing 6 Although it can be inferred, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

For example, although the ledger system shown in FIG. 6 shows a credit ledger and a secured loan ledger in the form of an internal ledger of a compound account ledger 630, 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 in relation to the composite account ledger 630, and it is apparent that the present invention includes all the inferred implementation methods.

Referring to FIG. 6, the financial system of the existing financial sector is formed by relationally connecting a customer ledger 635 corresponding to each financial system and one or more existing ledgers generated in a conventional manner. It is characterized in that the composite account ledger 630 generated through the financial account opening system shown in the relation to the customer ledger 635, which is provided in the ledger system corresponding to the non-face-to-face complex account An additional service ledger 610 that is remotely added / deleted or reset / modified to the compound account ledger 630 to the customer ledger 635 provided in the financial system through the ledger system in association with the additional service management ledger 615. ) Is provided with an additional service synchronization ledger 625 for synchronizing the multiple account ledger 630 to the customer ledger 635 on the financial system. It is characterized by.

Here, the customer ledger 635 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 630, the basic account ledger, the required 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 a secured loan ledger.

Here, the basic account ledger stores the representative account number of the non-face-to-face composite account, and further stores the financial institution number (or code) corresponding to the non-face-to-face composite account, the account alias, and A ledger comprising one or more information fields for further storing account linked card information, which is relationally associated with the customer ledger 635 and additional services synchronization ledger 625 of the financial system and additional services of the ledger system. It is preferable that at least one additional service ledger 610 provided in the ledger system is remotely detached in an add / delete manner through synchronization of the ledgers between the management ledgers 615.

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. A ledger including an information field, which is connected in relation to the customer ledger 635 and through the ledger synchronization between the additional service synchronization ledger 625 of the financial system and the additional service management ledger 615 of the ledger system. It is preferable that one or more additional service ledgers 610 provided in the ledger system are remotely dismounted in an add / delete manner.

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 A ledger including an information field, which is connected in relation to the customer ledger 635 and through the ledger synchronization between the additional service synchronization ledger 625 of the financial system and the additional service management ledger 615 of the ledger system. At least one additional service ledger 610 provided in the ledger system is preferably remotely detachable in an add / delete manner.

The deferred ledger stores one or more deferred attribute information for the non-face-to-face complex account, and further stores the deferred account number (= deferred sub-account number of the non-face-to-face complex account) and deferred amount information. A ledger including an information field, which is connected in relation to the customer ledger 635 and through the ledger synchronization between the additional service synchronization ledger 625 of the financial system and the additional service management ledger 615 of the ledger system. It is preferable that one or more additional service ledgers 610 provided in the ledger system are remotely detached in an add / delete manner.

The reseller linked ledger stores resold association attribute information for the non-face-to-face compounded account, and further includes a resold-linked account number (= resale-linked subaccount number of the non-face-to-face compounded account) and resale-associated amount information. A ledger comprising one or more information fields for storing, which is relationally associated with the customer ledger 635 and between the supplementary service synchronization ledger 625 of the financial system and the supplementary service management ledger 615 of the ledger system. It is preferable that at least one additional service ledger 610 provided in the ledger system is remotely detached in an add / delete method through ledger synchronization.

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 635, and the supplementary service synchronization ledger 625 and the ledger of the financial system. It is preferable that at least one additional service ledger 610 provided in the ledger system is remotely detached in an add / delete manner through synchronization of ledgers between additional service management ledgers 615 of the system.

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 comprising one or more information fields for storing, which is relationally associated with the customer ledger 635 and between the supplementary service synchronization ledger 625 of the financial system and the supplementary service management ledger 615 of the ledger system. It is preferable that at least one additional service ledger 610 provided in the ledger system is remotely detached in an add / delete method through ledger synchronization.

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 625 is relationally linked with the customer ledger 635 and the supplementary service synchronization ledger 625 of the financial system. It is preferable that at least one additional service ledger 610 provided in the ledger system is remotely detached in an add / delete manner through synchronization of the ledger between the additional service management ledger 615 and the ledger system.

The mortgage ledger stores the collateral loan condition information for the non-face-to-face composite account, the collateral loan account number (= collateral loan sub account number of the non-face-to-face complex account), the collateral loan amount information, the customer Ledgers including one or more information fields for further storing the information on the collateral, the loan limit of each collateral, the relational link with the customer ledger 635, the synchronization ledger 625 of the financial system ) And at least one supplementary service ledger 610 provided in the ledger system through remote ledger synchronization between the supplementary service management ledger 615 of the ledger system is remotely detachable.

Referring to FIG. 6, the ledger system corresponding to the non-face-to-face transaction composite account may include one or more additional service ledgers 610 generated through the financial account opening system illustrated in FIG. 5. A ledger structure that is detached from the multiple account ledger 630 to the customer ledger 635 by a method of adding / deleting the ledger between the service management ledger 615 and the supplementary service synchronization ledger 625 provided in the financial system. It characterized in that it comprises a, the customer ledger 635, composite account ledger 630 and one or more additional service ledger 610 corresponding to the non-face-to-face composite account account opening server (shown in Figure 5) 600 and a ledger operating interface 620 that interfaces with one or more non-face-to-face transaction servers 605.

Here, the supplementary service ledger 610, the interest rate adjustment supplementary service ledger 610, tax supplementary service ledger 610, fee adjustment supplementary service ledger 610, payment support supplementary service ledger 610, billing / storage addition And one or more service ledgers 610 and one or more recording service extension additional service ledgers 610. The additional service ledger 610 is an additional service management ledger 615 and the financial unit provided in the ledger system. The additional service synchronization ledger 625 provided in the system is characterized in that the remote desorption in the addition / deletion method to the multi-account ledger 630 to the customer ledger 635 through the synchronization of the ledger.

Here, the interest rate adjustment supplementary service ledger 610 may add / reduce interest rate for a contract period included in the generated interest rate adjustment supplementary service ledger 610 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 / Ledger information for long-term holding interest rate addition / discount (e.g. customer re-join or long term account retention or discounted credit rate), mileage accrual rate addition / discount (e.g. financial institution ( Or one or more information fields for storing ledger information for adding interest rates or discounting credit rates based on the accumulated mileage It is preferable to comprise a.

The tax added service ledger 610 may be taxed / non-taxed (eg, a non-face-to-face transaction complex account or the non-face-to-face transaction) for a specific period (eg, a contract period) included in the generated tax added service ledger 610 information. It is preferable to include one or more information fields for storing the ledger information for taxation / non-taxation of one or more transaction attributes included in the face-to-face transaction account.

The fee adjustment supplementary service ledger 610 is a fee reduction (eg, 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 610 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 610 may accumulate mileage included in the generated payment support supplementary service ledger 610 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 from 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 610 may include a bill (for example, the name of the customer (= non-face-to-face complex account) in one or more billing institutions included in the generated billing / receiving supplementary service ledger 610 information). Ledger information for a medium for storing billing information for a certain period of time), and providing a disposable storage account (e.g., the amount charged to the customer (= name of a non-face-to-face multiple account) by one or more billing institutions) 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 610 may record deposit additional information for the affiliate store (or SOHO) included in the generated record information extension supplementary service ledger 610 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 supplementary service management ledger 615, the interest rate adjustment supplementary service ledger 610, tax supplementary service ledger 610, fee adjustment supplementary service ledger 610, payment support supplementary service ledger 610 Activate the at least one additional service ledger 610 of the billing / receipt additional service ledger 610 and the record information extension additional service ledger 610, and then the additional service management ledger 615 and the additional service synchronization ledger of the financial system ( 625 is added to the multi-account ledger 630 to the customer ledger 635 through the synchronization between the ledgers, and vice versa after deactivating one or more additional service ledgers 610, the addition of the additional service management ledger 615 and financial system The service synchronization ledger 625 is deleted from the multiple account ledger 630 through the customer ledger 635 through the synchronization between the ledgers, remote addition / deletion of the additional service ledger 610 to the additional service ledger 610 Generating a supplementary service director 610, the log information (not shown) for the beam reset / modify characterized in that stored in the additional service log D / B (not shown).

According to an embodiment of the present invention, if the interest rate adjustment for the compound account is requested (or set) from the account opening server 600 associated with the ledger system or one or more non-face-to-face transaction server 605, the additional service The management ledger 615 activates the interest rate adjustment supplementary service ledger 610 and then through the ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system, the composite account ledger 630. To the customer ledger 635 after the remote addition to the additional service ledger 610 log information for the interest rate adjustment additional service ledger 610 is added and stored in the additional service log D / B and then the additional service management ledger ( 615) and through the ledger synchronization between the value-added service synchronization ledger 625 of the financial system, it is preferable to synchronize the additional service ledger 610 log information, or the account opening When the interest rate for the compound account is reset / modified from the server 600 or one or more non-face-to-face transaction servers 605, the additional service management ledger 615 is activated with the interest rate adjustment additional service ledger 610. After modifying (or updating) the supplementary service ledger 610 information related to the interest rate adjustment, the supplementary service ledger 610 log information on the reset / modification of the adjusted interest rate adjustment supplementary service ledger 610 is added to the supplementary service log D. It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system after storing in / B, or open the account When the interest rate for the compound account is restored from the server 600 or more than one non-face-to-face transaction server 605, the additional service management ledger 615 adjusts the interest rate. After deactivating the supplementary service ledger 610, remote deletion from the composite account ledger 630 to the customer ledger 635 through the synchronization of the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system. After generating the additional service ledger 610 log information for deleting the interest rate adjustment additional service ledger 610 and storing it in the additional service log D / B, and then the additional service management ledger 615 and additional service synchronization of the financial system It is preferable to synchronize the supplementary service ledger 610 log information through the ledger synchronization between the ledgers 625.

Alternatively, when the taxation / non-taxation setting for the compound account is requested (or set) from the account opening server 600 associated with the ledger system or one or more non-face-to-face transaction servers 605, the additional service management ledger 615 ) Activates the tax additional service ledger 610 and then through the general ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, the composite account ledger 630 to the customer ledger ( 635 and adds the additional service ledger 610 log information on the addition of the tax added service ledger 610 and stores it in the additional service log D / B, and then adds the additional service management ledger 615 and the financial system. It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service synchronization ledger 625 of the, or the account opening server 600 to one or more When the taxable / non-taxable setting conditions for the compound account are reset / modified from the face-to-face transaction server 605, the additional service management ledger 615 is configured to perform the taxed / non-taxable with the tax additional service ledger 610 activated. After modifying (or updating) the supplementary service ledger 610 information related to the setting, the supplementary service ledger 610 log information on the reset / modification of the tax supplementary service ledger 610 is generated and stored in the supplementary service log D / B. Then, it is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, or the account opening server 600 If the one or more non-face-to-face transaction server 605 restores the tax / non-tax setting conditions for the composite account, the value-added service management ledger 615 is After deactivating the tax additional service ledger 610, and remotely from the multi-account ledger 630 to the customer ledger 635 through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system After the deletion, the VAT ledger 610 generates log information of the VAT 610 for the deletion and stores the log information in the VD D / B, and then the VSA and the financial system. It is preferable to synchronize the supplementary service ledger 610 log information through the ledger synchronization between the synchronization ledgers 625.

Alternatively, when a fee adjustment for the compound account is requested (or set) from an account opening server 600 associated with the ledger system or one or more non-face-to-face transaction servers 605, the additional service management ledger 615 may After activating the fee adjustment additional service ledger 610, through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, the composite account ledger 630 to the customer ledger 635 After the remote control is added to the additional service ledger 610, the additional service ledger 610 to generate log information and store in the additional service log D / B and then the additional service management ledger 615 and the financial system It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service synchronization ledger 625, or the account opening server 600 to one When the fee for the compound account is reset / modified from the non-face-to-face transaction server 605, the additional service management ledger 615 is associated with the fee adjustment in the state where the fee adjustment additional service ledger 610 is activated. After modifying (or updating) the supplementary service ledger 610 information, the supplementary service ledger 610 log information for the fee adjustment supplementary service ledger 610 reset / modification is generated and stored in the supplementary service log D / B. It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, or the account opening server 600 to When the fee for the compound account is restored from one or more non-face-to-face transaction servers 605, the additional service management ledger 615 adjusts the fee. After deactivating the supplementary service ledger 610, remote deletion from the composite account ledger 630 to the customer ledger 635 through the synchronization of the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system. After generating the additional service ledger 610 log information for deleting the fee adjustment additional service ledger 610 and storing it in the additional service log D / B, and synchronizes the additional service management ledger 615 and the additional service of the financial system It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the ledgers 625.

Alternatively, when payment support for the composite account is requested (or set) from an account opening server 600 associated with the ledger system or one or more non-face-to-face transaction servers 605, the additional service management ledger 615 may After activating the payment support supplementary service ledger 610, the composite account ledger 630 to the customer ledger 635 through the synchronization of the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system. After adding remotely to the payment support ledger 610 to generate the additional service ledger 610 log information for the addition and store in the additional service log D / B of the additional service management ledger 615 and financial system It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service synchronization ledger 625, or the account opening server 600 to one or more When the payment support condition for the compound account is reset / modified from the non-face-to-face transaction server 605, the additional service management ledger 615 is configured to perform the payment support and the payment support in the state in which the payment support additional service ledger 610 is activated. After modifying (or updating) relevant supplementary service ledger 610 information, the supplementary service ledger 610 log information for the reset / modification of the payment support supplementary service ledger 610 is generated and stored in the supplementary service log D / B. It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, or the account opening server 600 to When the payment support condition for the composite account is restored from one or more non-face-to-face transaction servers 605, the additional service management ledger 615 may add the payment support. After deactivating the service ledger 610, remotely deleted from the multi-account ledger 630 to the customer ledger 635 through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system. After generating the additional service ledger 610 log information for deleting the payment support supplementary service ledger 610 and storing it in the additional service log D / B, the additional service management ledger 615 and the additional service synchronization ledger of the financial system It is preferable to synchronize the additional service ledger 610 log information through the 625 between the ledger synchronization.

Alternatively, when requesting (or setting) a billing / receiving setting for the compound account is made from the account opening server 600 associated with the ledger system or one or more non-face-to-face transaction servers 605, the additional service management ledger ( 615 activates the billing / receipt supplementary service ledger 610 and then through the ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system, the composite account ledger 630 to the customer After remotely adding to the ledger 635, the additional service ledger 610 log information for the addition of the billing / storage additional service ledger 610 is generated and stored in the additional service log D / B, and then the additional service management ledger 615 And the additional service ledger 610 log information through the ledger synchronization between the additional service synchronization ledger 625 of the financial system, or the account opening server 600 to one When the billing / receipt setting conditions for the compound account are reset / modified from the non-face-to-face transaction server 605, the additional service management ledger 615 is configured to activate the billing / receipt additional service ledger 610 in an activated state. After modifying (or updating) the supplementary service ledger 610 information related to the billing / receiving setting, the supplementary service ledger 610 log information on the reset / modification of the billing / storing supplementary service ledger 610 is generated to provide additional service. After storing in the log D / B, it is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, or When the billing / receipt setting condition for the compound account is restored from the account opening server 600 to the one or more non-face-to-face transaction servers 605, the additional service management ledger 615 may deactivate the billing / receiving supplementary service ledger 610 and then through the ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system. After remotely deleting from the customer ledger 635, the additional service ledger 610 log information for deleting the billing / receiving additional service ledger 610 is generated and stored in the additional service log D / B, and then the additional service management ledger ( It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the 615 and the supplementary service synchronization ledger 625 of the financial system.

Alternatively, when the record information extension for the compound account is requested (or set) from the account opening server 600 associated with the ledger system or one or more non-face-to-face transaction servers 605, the additional service management ledger 615 After activating the record information extension additional service ledger 610 through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, the composite account ledger 630 to the customer ledger ( After the remote addition to 635, the additional information ledger 610 log information for adding the record information extension additional service ledger 610 is generated and stored in the additional service log D / B, and the additional service management ledger 615 and It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service synchronization ledger 625 of the financial system, or the account opening server 600 to When the record information extension for the compound account is reset / modified from at least one non-face-to-face transaction server 605, the supplementary service management ledger 615 is configured to execute the record information extension supplementary service ledger 610 while the record information extension ledger 610 is activated. After modifying (or updating) the supplementary service ledger 610 information related to the expansion of the record information, the supplementary service ledger 610 log information on the reset / modification of the supplementary service ledger 610 of the recorded information extension is generated and the supplementary service log D It is preferable to synchronize the additional service ledger 610 log information through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system after storing in / B, or open the account In the event of restoring the expansion of the record information for the composite account from the server 600 or more than one non-face-to-face transaction server 605, the additional service management ledger 6 15) after deactivating the record information extension additional service ledger 610, and through the ledger synchronization between the additional service management ledger 615 and the additional service synchronization ledger 625 of the financial system, the composite account ledger 630 to the customer After the remote deletion from the ledger 635, the additional service ledger 610 log information for deleting the record information extension additional service ledger 610 is generated and stored in the additional service log D / B, and then the additional service management ledger 615 ) And the supplementary service ledger 610 log information through the ledger synchronization between the supplementary service synchronization ledger 625 of the financial system.

According to the present invention, the ledger operating interface 620 is an account opening channel for opening the composite account for non-face-to-face transactions by linking the ledger system and the financial system of an existing financial institution in the account opening server 600, or One or more non-face-to-face transaction servers 605 interface with the ledger system (or financial system) to interface a financial transaction channel for processing one or more face-to-face transactions (or payments) through the composite account for non-face-to-face transactions. A ledger management system (e.g., a database management system), comprising one or more ledger generation requests requested from the account opening server 600 to one or more non-face-to-face transaction servers 605, various ledger information storage / updates, and one or more additional services. Provides an interface for adding / deleting the ledger 610 to the multiple account ledger 630 to the customer ledger 635 The features.

According to the method of the present invention, when the opening of the non-face-to-face complex account is requested from the account opening server 600, the ledger operating interface 620 is synchronized with the ledger system in response to the account opening request. Process to create a customer ledger 635 and a composite account ledger 630 corresponding to the non-face-to-face composite account in the financial system of the existing financial sector, and the customer ledger 635 and the composite account ledger 630 as relational In order to be connected, the supplementary service management ledger 615 provided in the ledger system and the supplementary service synchronization ledger 625 provided in the financial system are added / deleted to the supplementary service ledger 610 to the supplementary service ledger ( 610) synchronization of reset / modification of information with each other, and additional service corresponding to the addition / deletion of the additional service ledger 610 to the reset / modification of additional service ledger 610 information. It is desirable to process the source ledger 610 to synchronize the log information.

According to another exemplary embodiment of the present invention, when the opening of the non-face-to-face complex account is requested from the account opening server 600, the account opening server 600 is not associated with the ledger operating interface 620. The customer ledger 635 and the composite account ledger 630 corresponding to the non-face-to-face transaction composite account are generated in the financial system through the external system provided in the financial system of the existing financial sector, and the customer ledger 635 And the multiple account ledger 630 may be connected in a relational manner. When the customer ledger 635 and the multiple account ledger 630 are generated in the financial system, the ledger operating interface 620 may be configured in the ledger system. Addition / deletion of the supplementary service ledger 610 or supplementary service ledger by linking the supplementary service management ledger 615 provided in the supplementary service synchronization ledger 625 provided in the financial system ( 610) to mutually synchronize reset / modification of information, and to mutually synchronize additional service ledger 610 log information corresponding to addition / deletion of the additional service ledger 610 to reset / modification of additional service ledger 610 information. It is preferable to process.

Alternatively, when a non-face-to-face transaction is requested from the at least one non-face-to-face transaction server 605 through the non-face-to-face transaction composite account, the ledger operating interface 620 may be linked to the existing financial sector financial system to make the non-face-to-face transaction composite account. Check the multiple account ledger 630 to the customer ledger 635 corresponding to the ledger synchronization between the additional service management ledger 615 provided in the ledger system and the additional service synchronization ledger 625 provided in the financial system. Check the at least one additional service ledger 610 added to the composite account ledger 630 to the customer ledger 635 through, and various kinds of the non-face-to-face complex account set through the confirmed additional service ledger 610 After checking the attributes / conditions, the non-face-to-face transactions for the non-face-to-face composite account are processed according to various attributes / conditions of the identified non-face-to-face composite account. It is preferable to apply to the composite account ledger 630.

According to another embodiment of the present invention, when requesting a non-face-to-face transaction from the one or more non-face-to-face transaction server 605 through the non-face-to-face transaction composite account, the non-face-to-face transaction server 605 is the ledger operating interface 620 After checking the multi-account ledger 630 to the customer ledger 635 provided in the financial system through the external system provided in the financial system of the existing financial sector, the additional service management ledger provided in the ledger system ( 615) and the ratio set through at least one additional service ledger 610 added to the multi-account ledger 630 to the customer ledger 635 through the synchronization of the ledger between the additional service synchronization ledger 625 provided in the financial system After confirming various attributes / conditions of the face-to-face transaction composite account, the ratio of the non-face-to-face transaction composite account according to the various attributes / conditions of the identified non-face-to-face transaction composite account It is preferable to process face-to-face transactions and apply them to the composite account ledger 630.

Alternatively, when the account opening server 600 or one or more non-face-to-face transaction server 605 is requested to add one or more additional service ledgers 610 to the compound account ledger 630 to customer ledger 635, the ledger The operation interface 620 generates (or confirms) one or more additional service ledgers 610 to be remotely added to the multi-account ledger 630 to the customer ledger 635 in the ledger system, and additionally provided in the ledger system. The composite account ledger 630 is activated by activating the one or more additional service ledgers 610 generated (or confirmed) through ledger synchronization between the service management ledger 615 and the additional service synchronization ledger 625 provided in the financial system. It is preferable to remotely add to the customer ledger 635, in which case the multi-account ledger 630 is preferentially applied to the attribute / condition of the added additional service ledger 610. Preferable.

Alternatively, when the account opening server 600 to the one or more non-face-to-face transaction server 605 is requested to delete one or more additional service ledger 610 from the compound account ledger 630 to customer ledger 635, the ledger The operation interface 620 is the one or more additional service ledgers 610 requested to be deleted through the ledger synchronization between the additional service management ledger 615 provided in the ledger system and the additional service synchronization ledger 625 provided in the financial system. Check whether it is added to the composite account ledger 630 to the customer ledger 635 provided in the financial system, and the additional object ledger 610 to be deleted in the composite account ledger 630 to the customer ledger 635 If it is confirmed that the addition, the additional service management ledger provided in the ledger system 615 and the additional service synchronization ledger 625 provided in the financial system through the ledger synchronization It is preferable to deactivate the additional service ledger 610 to be deleted and add it to the multi-account ledger 630 to the customer ledger 635. In this case, the multi-account ledger 630 is preferentially applied with its own attributes / conditions. It is preferable.

Alternatively, one or more ledgers (eg, customer ledger 635, composite account ledger 630, one) included in the non-face-to-face transaction composite account from the account opening server 600 to one or more non-face-to-face transaction servers 605. When the ledger information correction (or update) of the above additional service ledger 610 is requested, the ledger operation interface 620 is provided with the additional service management ledger 615 provided in the ledger system and the financial system. After checking the ledgers to be modified (or updated) through the ledger synchronization between the additional service synchronization ledgers 625, the ledger information included in the ledgers to be modified (or updated) is modified to the ledger information to be modified (or updated). Or update).

7 is a view showing a process for applying for opening a multi-account for non-face-to-face transactions according to another exemplary embodiment of the present invention.

In more detail, FIG. 7 shows a combination of customer information, account setting information, loan setting information, and non-face-to-face authentication information through a non-face-to-face / non-real name type financial account opening interface at a client terminal on the financial account opening system shown in FIG. When the account opening request information including the above is transmitted to a financial institution, the financial institution reads the account opening request information and the process of authenticating the validity of opening the non-face-to-face complex account, in the technical field to which the present invention pertains. Those skilled in the art may refer to and / or modify this drawing to implement various methods (e.g., some steps may be omitted or changed in order) for the non-face-to-face multi-account open application process. It may be inferred, but the present invention includes all implementation methods inferred from the above. The technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the client terminal on the financial account opening system shown in FIG. 5 is referred to as a “terminal” for convenience, and the account opening server 600 is referred to as a “server” for convenience.

Referring to FIG. 7, the terminal accesses the server through a communication network, connects a communication channel, registers non-face-to-face authentication information for opening the non-face-to-face transaction complex account, and uses the registered non-face-to-face authentication information. Face-to-face authentication is performed (700).

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 complex account is confirmed (705), the terminal requests the web page for opening the non-face-to-face complex account for the non-face transaction (710). One or more web pages that include one or more user account opening user interface for entering (or selecting) 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. Generating (or extracting) (715) and transmitting and outputting one or more webpages including the user interface for opening one or more composite accounts to the terminal (720) according to a preset webpage providing procedure (720). 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) to 725.

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 setting information, resale connection setting information, mileage / coupon setting information for providing mileage / coupon through the non-face-to-face multi-account account, and within a predetermined small range without credit / collateral confirmation It is preferable to include one or more small loan setting information for approving a loan without a loan examination.

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 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 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 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 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. Mileage accrual (e.g., mileage accrual provided by a financial institution (or affiliated agency) in response to payment processing), fund support (e.g., fund operator (national agency / local device operating welfare fund) Organizations, insurance companies that manage claims, pension operators who manage pensions, etc., approve some (or all) payment authorizations through funds provided to the customer), payment fee reductions (e.g., financial institutions (or affiliates)) 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. Ever paid the charge through the electronic invoice engine by billing charge to), escrow (Escrow) (e.g., it may be made of, including information for setting the left-earth) to one or more organizations to pay the charge by charge.

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 used for 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, when the real name of the non-face-to-face composite account is confirmed (eg, real name verification 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 those skilled in the art, the account opening password registered in the non-face-to-face authentication process provided in the account opening server 600 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.

If 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 is input (or selected) through the user interface for opening the composite account (730), the terminal communicates. The account opening request information is input (or selected) to the server through a channel (735). In response, the server receives the account opening request information through the communication channel, and then the account opening request information. Check the validity of the open non-face-to-face composite account through (740).

According to an embodiment of the present invention, when the account opening request information is encrypted according to an encryption / decryption scheme, the server decrypts the account opening request information according to the encryption / decryption scheme, thereby providing the account opening request information. It is preferable to check whether the validity for opening the non-face-to-face complex account is satisfied.

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 opening a multiple account for a 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 linked to the financial account opening system. It is preferable to include a check to match with the customer ledger 635 on the system, if the customer ledger 635 matching the account opening request information is not registered in the ledger system, the account opening request information is It is advisable to verify that the validity for opening a non-face-to-face compound account is met.

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 (745), the server generates a complex account open error information and transmits it to the terminal (750).

On the other hand, if the validity of opening the non-face-to-face composite account is authenticated (745), 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. Combined with the non-face-to-face transaction function included above, interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, record information expansion, etc. manually (or automatically) departure according to customer choice (or financial institution policy) Open a combined non-face to face trading account.

8A and 8B are diagrams illustrating a process of opening a composite account for non-face-to-face transactions according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate non-face-to-face authentication of customer information, account setting information, loan setting information, and non-face-to-face authentication from the client terminal shown in FIG. When the account opening request information including one or more information is received and the validity for opening the non-face-to-face compound account is authenticated, the account opening server 600 shown in FIG. In the financial system, a compound account ledger 630 and a customer ledger 635 having a compound transaction function including one or more of the required payment, earning, deferred payment, resale association, mileage / coupon, and small loan are created, Customer selection (or interest rate adjustment, tax, fee adjustment, payment support, billing / receipt, expansion of record information, etc.) for the non-face-to-face complex account in the ledger system shown After creating a value-added ledger 610 that remotely detaches manually (or automatically) according to the financial institution policy), the composite account ledger 630 to the customer ledger 635 through synchronization of the ledger with the financial system and the ledger system. In the process of opening a multi-account for non-face-to-face transaction to synchronize the additional service ledger 610 to remotely add / delete, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying 8b, various implementation methods (e.g., implementation steps for which some steps are omitted or reordered) may be inferred for the process of opening a non-face-to-face compound account. It is made to include all the implementation method that is, the technical features are not limited only to the implementation method shown in Figures 8a and 8b.

For example, FIGS. 8A and 8B illustrate the generation of the customer ledger 635, the compound account ledger 630, and the loan ledger for the non-face-to-face composite account in advance. After the additional service ledger 610 is generated and added to the composite account ledger 630 to the customer ledger 635, the process is 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 635, the composite account ledger 630 and the loan ledger and one or more additional service ledgers 610 are simultaneously generated or one or more additional services are provided. After the ledger 610 is pre-generated, it is clear that the customer ledger 635, the compound account ledger 630, and the loan ledger are all included in the implementation method that is generated later.

In the following Figures 8a and 8b, the account opening server 600 on the financial account opening system shown in Fig. 5 is referred to as " server " for convenience.

8A and 8B, the account opening request information including one or more 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. 7. 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 account based on the customer information included in the account opening request information. Generate ledger 635 information, generate composite account ledger 630 information for the financial account corresponding to the non-face-to-face composite account based on the account setting information, and generate the non-credit based on the loan setting information. Create loan ledger information for the face-to-face transaction account (800) and synchronize the existing ledger system with the ledger system corresponding to the non-face-to-face transaction account. A customer ledger 635, a compound account ledger 630, and a loan ledger for a financial account corresponding to the non-face-to-face transaction composite account are created in the financial system (800).

According to the embodiment of the present invention, the server may be stored in the customer ledger to be stored in the customer ledger 635 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 ( 635. It is desirable to generate the information.

Here, the information of the customer ledger 635, the personal information of the customer included in the customer information of the account opening request information (for example, the name, social security number, address, telephone number, mobile phone number, e-mail address, etc.) and member information of the customer (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 630 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 includes the required amount of payment 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 associated account number generated through the setting information (= resale associated sub account number of the non-face-to-face complex account) further comprising resale associated 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 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 associated 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 collateral loan ledger information includes collateral loan condition information of the non-face-to-face transaction complex account set through the collateral loan setting information among the loan setting information included in the account opening request information, and the collateral loan setting information. It is preferable to further include a collateral loan account number (= collateral loan subaccount number of the non-face-to-face complex account) generated through, and preferably further comprises a collateral loan amount information set to the initial value '0' Do.

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 635 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 630 and a loan ledger.

Here, the customer ledger 635 may include one or more information fields for storing personal information, member information, and customer number included in the generated customer ledger 635 information. The field is preferably initialized to a null value.

The composite account ledger 630 stores an 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 630 stores the required payment attribute information included in the required payment ledger information for the financial account corresponding to the non-face-to-face 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 630 stores the accumulated-type attribute information included in the accumulated-form 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 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 630 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 (= 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 630, the re-selling linked account information stored in the re-selling ledger information for the financial account corresponding to the non-face-to-face compounded account, and 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 630 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-based subaccount number for mileage / coupon operation of the non-face-to-face transaction account) and one or more information fields for further storing mileage / coupon value information. Preferably, each information field of the mileage / coupon ledger is preferably initialized to a null value.

In addition, the composite account ledger 630 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 up manually by the customer (or automatically by 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.

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 (or automatically by a financial institution policy) by the customer in the process of using the non-face-to-face compounded account (or after checking the real name of the non-face-to-face compounded account). desirable.

If in the financial system, a customer ledger 635, a composite account ledger 630, and a loan ledger for a financial account corresponding to the non-face-to-face transaction composite account are created, and the customer ledger 635 and the composite account ledger 630 And the customer ledger 635 information, the combined account ledger 630 information, and the loan ledger information corresponding to each of the loan ledgers are generated (810), the server sends the customer to the customer ledger 635 created in the financial system. It stores the ledger 635 information, stores the composite account ledger 630 information in the composite account ledger 630, and stores the loan ledger information in the loan ledger (820).

If the customer ledger 635, the composite account ledger 630, and the loan ledger, respectively, the customer ledger 635 information, the combined account ledger 630 information and the loan ledger information are stored in the financial system (820). The server reads the account opening request information and checks whether the account setting information included in the account opening request information includes one or more additional service setting information valid (825).

If it is confirmed that the account opening request information includes one or more additional service setting information valid (830), the server may include information on one or more additional service ledgers 610 corresponding to the confirmed additional service setting information. According to the policy of the financial institution, at least one automatic setting additional service ledger 610 information to be automatically set in the non-face-to-face transaction composite account is generated (835), and the composite account ledger (630) to the customer ledger (635) At least one corresponding to the generated additional service ledger 610 information in the ledger system synchronized with the generated financial system (or a ledger system in which the additional service ledger 610 corresponding to the non-face-to-face transaction complex account is to be provided). The additional service ledger 610 is generated in correspondence with each other (840).

Here, the additional service ledger 610 information generated through the additional service setting information included in the account opening request information may include interest rate adjustment additional service ledger 610 information, tax additional service ledger 610 information, and fee adjustment additional service. Including one or more additional service ledgers 610 information of the ledger 610 information, payment support additional service ledger 610 information, billing / storage additional service ledger 610 information, record information expansion additional service ledger 610 information It is preferable to make.

The interest rate adjustment supplementary service ledger 610 information may be received during a contract period based on a contract rate between the contract period and the interest rate for the non-face-to-face complex account without a new account / cancellation of the account. Add / delete interest rates or discount credit rates) as attributes of the non-face-to-face transactional account, and withdrawal by ledger information, promotion interest rate additions / discounts (e.g., promotions of financial institutions (or affiliates)) Add / receive interest rate or discount interest rate by adding / removing credit card as an attribute of the non-face-to-face transaction account, re-subscription / long-term interest rate addition / discount (e.g., re-subscription of customer, or Adding or receiving interest rate by maintaining the account for a long time or discounting the credit rate) as a property of the non-face-to-face compound 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 610 information may be taxed / non-taxed (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 610 information is a fee reduction (eg, a customer period) for a specific period (eg, a contract period or a promotion period) for the non-face-to-face complex account without a separate account new / cancellation. Reduction of fees due to the agreement between the financial institution and the financial institution) is added to / deleted as an attribute of the non-face-to-face transaction account, and ledger information for removal and removal, and commission reduction (for example, promotion of the financial institution (or affiliated institution)). To provide / delete the fee reduction due to the inclusion (or subscription) by the customer as an attribute of the non-face-to-face transactional account, exchange of ledger information, fee coupon exchange (e.g., provided by a financial institution (or affiliate)), or , The fee reduction through the fee reduction coupon purchased by the customer) to add / delete as an attribute of the non-face-to-face complex account The chapter information preferably comprises one or more than one.

The payment support supplementary service ledger 610 information is a mileage according to the payment processing when the account transfer payment through the non-face-to-face transaction complex account, or the card payment processing through the card associated with the non-face-to-face transaction 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 reduction according to the promotion or payment attribute as an attribute of the non-face-to-face transaction account, and the ledger information for detachment and removal, and the exchange of discount coupons through mileage Add / delete the coupon exchange) as an attribute of the non-face-to-face transaction complex account, and extract the ledger information and the affiliate discount (eg, a discount through the provision of an affiliate service with a specific affiliate) It is preferable to include at least one ledger information for adding and deleting as an attribute of the account to be detached.

The billing / receiving supplementary service ledger 610 information is billed to the non-face-to-face transaction composite account without a separate account new / cancellation (eg, the name of the customer (= non-face-to-face complex 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 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 e-bill payment management (e.g., payment of billing charges per billing agency through e-bills electronically billed through the telecommunications network) to add / delete by adding / deleting them as attributes of the non-face-to-face complex account To add / delete ledger information, escrow (e.g., an intermediate account for paying bills by billing institution) 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 610 information is recorded in the non-face-to-face transaction combined account for additional merchants (or SOHO) without additional account new / cancellation (e.g., merchants (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 610 information automatically generated according to the policy of the financial institution, the interest rate adjustment added service ledger 610 information, tax added service ledger 610 information, fee adjustment added service ledger One or more additional service ledgers automatically set by the financial institution policy among the information, payment support supplementary service ledger 610 information, billing / storage supplementary service ledger 610 information, record information expansion additional service ledger 610 information 610, and preferably further comprises real name verification additional service ledger 610 information for the real name verification management of the non-face-to-face transaction complex account.

The real name verification additional service ledger 610 information is a limit value (for example, 500,000 won) for a transaction limit amount through the non-face-to-face transaction composite 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 an embodiment of the present invention, the real name verification additional service ledger 610 information is preferably deleted after the real name of the face-to-face for the non-face-to-face transaction complex account, thereby the composite account for non-face-to-face transaction 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 610 generated in the ledger system in response to the generated interest rate adjustment supplementary service ledger 610 information is generated by the interest rate adjustment supplementary service ledger 610. Addition / discount of contracted interest rate included in information (e.g., add interest rates or discount interest rates during contractual terms between customers and financial institutions), add / reduce promotional rates (e.g., financial institutions) Receiving interest rates by adding ledgers or discounting credit rates by promotions (or affiliated institutions), re-joining / long-term holdings / adding / discounting (e.g. customer re-joining or long term account retention) Ledger information for adding or discounting credit rates, and cumulative mileage earned by a financial institution (or affiliate) 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 610 is null. Is preferably initialized to

Alternatively, the tax added service ledger 610 generated in the ledger system in response to the generated tax added service ledger 610 information may include a specific period (eg, included in the generated tax added service ledger 610 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 tax added service ledger 610 is preferably initialized to a null value.

Alternatively, the fee adjustment additional service ledger 610 generated in the ledger system in response to the generated fee adjustment additional service ledger 610 information may include a specific period included in the generated fee adjustment additional service ledger 610 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 610 Each information field of is preferably initialized to a null value.

Alternatively, the payment support supplementary service ledger 610 generated in the ledger system in response to the generated payment support supplementary service ledger 610 information may accumulate the mileage included in the generated payment support supplementary service ledger 610 information. (E.g., credit information provided by financial institutions (or affiliates) in response to payment processing), fund support (e.g., fund managers (national agencies / local device organizations that operate welfare funds, and insurance) Ledger information for the payment of part (or all) of the payment authorization through the funds provided to the customer by the insurance company, the pension manager who manages the pension, etc. Ledger information for promotion, or 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 610 is preferably initialized to a null value.

Alternatively, the billing / storing additional service ledger 610 generated in the ledger system in response to the generated billing / storing additional service ledger 610 information is included in the generated billing / storing additional service ledger 610 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)) Ledger information for wealth (e.g., bill transfer by billing agency), ledger information for electronic bill payment management (e.g., 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 of the information fields of the claim / storage supplementary service ledger 610 Is preferably initialized to a null value.

Alternatively, the record information extension additional service ledger 610 generated in the ledger system in response to the generated record information extension additional service ledger 610 information is included in the generated record information extension additional service ledger 610 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 (610) for storing is preferably initialized to a null (NULL) value.

Alternatively, the real name verification additional service ledger 610 generated in the ledger system in response to the generated real name verification additional service ledger 610 information may be used until the real name verification of the face-to-face method for the non-face-to-face complex account is performed. Ledger information for managing the transaction limit amount through a non-face-to-face compounded account within a preset limit amount (for example, 500,000 won or 2 million won), one or more loans (eg, small loan, Ledger information, which limits credit loans and mortgage loans), and one or more information fields to store ledger information that limits some (or all) of mileage / coupon credits for the non-face-to-face multiple account. Preferably, each information field of the record information extension additional service ledger 610 is initialized to a null value. .

When one or more additional service ledgers 610 are generated in the ledger system, and additional service ledgers 610 information corresponding to the generated additional service ledgers 610 are generated (845), the server is connected with the ledger system. In operation 850, the additional service ledger 610 information corresponding to each of the one or more additional service ledgers 610 generated in association with the multiple account ledger 630 to the customer ledger 635 is stored.

If each of the additional service ledger 610 information corresponding to each of the one or more additional service ledger 610 generated in the ledger system is stored (855), the server is linked to the ledger system and the additional service ledger 610 In step 860, the additional service ledger 610 in which the information is stored is added to the multiple account ledger 630 to the customer ledger 635 provided in the financial system on the ledger system.

According to an embodiment of the present invention, the server activates the additional service ledger 610 in which the additional service ledger 610 information is stored through the additional service management ledger 615 provided in the ledger system. It is preferable to process 610 to be added to the multi-account ledger 630 to the customer ledger 635.

In addition, the server generates the additional service ledger 610 log information for the addition of the additional service ledger 610 to the multiple account ledger 630 to the customer ledger 635 in association with the ledger system The processing is performed to be stored in the additional service log D / B provided in the system (865).

The additional service ledger 610 is added to the multiple account ledger 630 to the customer ledger 635, and the additional service ledger 610 log information corresponding to the additional service ledger 610 is added to the additional service log D. If the composite account for the non-face-to-face transaction is opened in the state of being stored in / B (870) or the one or more additional service setting information valid in the account opening request information is not included (830), the server may execute the composite account ledger ( In step 875, the additional service ledger 610 and the additional service ledger 610 remotely added to the customer ledger 635 are processed to synchronize the information through the ledger synchronization between the ledger system and the financial system (875).

If log information of the additional service ledger 610 and the additional service ledger 610 remotely added to the multiple account ledger 630 to the customer ledger 635 is synchronized (880), the server opens the account opening request information and the In operation 885, an account opening electronic document including financial account information about the financial account corresponding to the non-face-to-face transaction complex account is generated.

According to an embodiment of the present invention, the server 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 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 including account setting information and loan setting information included and non-face-to-face authentication information included in the account opening request information, and a document file including the document content (E.g., 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) for the non-face-to-face transaction. It is preferable to process the account opening electronic document for opening a multiple 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 account setting request information and watermarking the electronic document verification information preset in the document content. After including in a manner, a word processor including one or more document files (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content including the watermarking File, or a web document file including MHT) into an account opening electronic document for opening a non-face-to-face compound account. It is preferable.

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. 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. After the content is captured by capturing the content in memory, the electronic document verification information is set in a watermarking manner, and the image file including the watermarking image content is included in the non-face-to-face transaction account. It is desirable to process the account opening electronic document for opening.

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 of non-face-to-face authentication result information through account setting information and loan setting information included in the account and non-face-to-face authentication information included in the account opening request information, and capturing the document content (Capture A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) containing an image content (e.g., image content generated by capturing the document content on a memory). A non-face-to-face transaction complex by generating a word processor file including one or more, or a web document file including an MHT). To process the electronic document to the account opening for left open 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. 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) Include one or more Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. By generating a word processor file, 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 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 Generating a word processor file including one or more HWP / DOC, or a web document file including MHT) It is preferable to process the 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. 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 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 / By generating a word processor file including one or more DOC, or a web document file including an MHT), it is preferable to process the account opening electronic document for opening a 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 the opening of a non-face-to-face transaction composite account is generated (890), the server stores and stores the account opening electronic document as an electronic document repository through the communication network (895).

According to an embodiment of the present invention, the server may include electronic document-related information (eg, customer information included in the account opening request information and the non-face-to-face transaction complex account for generating electronic document management information in the electronic document server). And one or more of financial account information, financial institution information, and electronic document file format information for the financial account corresponding to the present invention, 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 600 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 may include customer information included in the account opening request information received by the account opening server 600 from the client terminal. It includes financial account information for the financial account corresponding to the non-face-to-face complex account, 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 Word file containing one or more document files (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including one or more non-face-to-face authentication result information Processor file, or a web document file including MHT).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network includes the customer information included in the account opening request information received by the account opening server 600 from the client terminal and the account for the non-face-to-face transaction. Non-face-to-face authentication result information including financial account information for a financial account corresponding to 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. A document file (eg, a Portable Document Format (PDF) file) including the document content including the watermarking after including electronic document verification information preset to the document content including one or more watermarking methods, or EDI (Electronic Data Interchange) files, or word processor files containing one or more HWP / DOC, or MHT. Is preferably a web document file).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network includes the customer information included in the account opening request information received by the account opening server 600 from the client terminal and the account for the non-face-to-face transaction. Non-face-to-face authentication result information including financial account information for a financial account corresponding to 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. Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network includes the customer information included in the account opening request information received by the account opening server 600 from the client terminal and the account for the non-face-to-face transaction. Non-face-to-face authentication result information including financial account information for a financial account corresponding to 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 the electronic document verification information is included in the watermarking method, the electronic document verification information is included in the image content (eg, the image content generated by capturing the document content on a memory). It is desirable to include an image file that includes image content with watermarking. It is right.

According to another exemplary embodiment of the present invention, the account opening electronic document that the electronic document repository receives through the communication network includes customer information included in the account opening request information received by the account opening server 600 from the client terminal. And non-face-to-face authentication information included in the account setting information and the loan setting information and the account opening request information included in the account opening request information, including the financial account information for the financial account corresponding to the non-face-to-face complex account. Document files (e.g., PDF (Portable) including image content (e.g., image content generated by capturing the document content on a memory) that captures document content including one or more non-face-to-face authentication result information through Word Pro, which contains one or more Document Format (EDI) files, Electronic Data Interchange (EDI) files, or HWP / DOC. And a document file or a web document file including MHT).

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network includes the customer information included in the account opening request information received by the account opening server 600 from the client terminal and the account for the non-face-to-face transaction. Non-face-to-face authentication result information including financial account information for a financial account corresponding to 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. Image content including 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 one or more document contents. And generating a document file (eg, PDF) containing the image content including the watermarking. (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including one or more HWP / DOC, or a web document file including MHT).

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 600 from the client terminal. 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 Image content (e.g., image content generated by capturing the document content on a memory) and document file corresponding to the document content including document content including one or more non-face-to-face authentication result information through authentication information. (E.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing phase.

Alternatively, the account opening electronic document that the electronic document repository receives through the communication network includes the customer information included in the account opening request information received by the account opening server 600 from the client terminal and the account for the non-face-to-face transaction. Non-face-to-face authentication result information including financial account information for a financial account corresponding to 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. Image content including 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 one or more document contents. Generating image content corresponding to the image content and the document content including the watermarking; 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 refers to the account opening server 600 that transmitted the received account opening electronic document to check the financial institution that sent the 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 600 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 a customer included in the account opening request information received by the account opening server 600 from the client terminal. Non-face-to-face authentication included in the account setting information and loan setting information and the account setting request information included in the account opening request information, including the financial account information of the financial account corresponding to the information and the non-face-to-face complex account; Includes one or more document files (eg, 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. A word processor file, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the electronic document D / B for the customer information and the non-face-to-face transaction included in the account opening request information received by the account opening server 600 from the client terminal. Non-face-to-face authentication result including financial account information for the financial account corresponding to the composite account, 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 (eg, a Portable Document Format (PDF) file including document content including the watermarking) after including electronic document verification information preset in document content including one or more pieces of information by a watermarking method. Or an EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC, or MHT. Is preferably a web document file).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the electronic document D / B for the customer information and the non-face-to-face transaction included in the account opening request information received by the account opening server 600 from the client terminal. Non-face-to-face authentication result including financial account information for the financial account corresponding to the composite account, 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 Preferably, the image file includes an image file including image content (eg, image content generated by capturing the document content on a memory).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the electronic document D / B for the customer information and the non-face-to-face transaction included in the account opening request information received by the account opening server 600 from the client terminal. Non-face-to-face authentication result including financial account information for the financial account corresponding to the composite account, 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 After including the electronic document verification information set in the watermarking method in the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including one or more pieces of information. And an image file including the image content including the watermarking. It is right.

According to another exemplary embodiment of the present invention, an account opening electronic document stored in the electronic document D / B by the electronic document repository is included in the account opening request information received by the account opening server 600 from the client terminal. 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 Document file (e.g., PDF) including image content (e.g., image content generated by capturing the document content on a memory) including document content including one or more non-face-to-face authentication result information through authentication information. (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc. It comprises a document file, or web page file, and so on) containing the MHT is preferred.

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the electronic document D / B for the customer information and the non-face-to-face transaction included in the account opening request information received by the account opening server 600 from the client terminal. Non-face-to-face authentication result including financial account information for the financial account corresponding to the composite account, 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 Including 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 pieces of information. A document file (eg, PDF) that generates image content and includes the image content including the watermarking. (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including one or more HWP / DOC, or a web document file including 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 storage is included in the account opening request information received by the account opening server 600 from the client terminal. 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 Image content (e.g., image content generated by capturing the document content on a memory) and document corresponding to the document content including one or more non-face-to-face authentication result information through face-to-face authentication information. One file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC). Preferably a word processor file, or a web document file including an MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B is stored in the electronic document D / B for the customer information and the non-face-to-face transaction included in the account opening request information received by the account opening server 600 from the client terminal. Non-face-to-face authentication result including financial account information for the financial account corresponding to the composite account, 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 Including 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 pieces of information. Generating image contents and corresponding to the image contents and the document contents including the watermarking; 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.

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 transmitted the account opening electronic document identified with reference to (600).

According to another exemplary embodiment of the present invention, when the electronic document related information is further received from the account opening server 600, 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).

9 is a diagram illustrating a composite account operating system that provides a swing / reverse swing between internal ledgers of a composite account through addition / deletion of an additional service ledger 975 according to an embodiment of the present invention.

In more detail, FIG. 9 is opened on the multi-account ledger 990 system shown in FIG. 2 or 6 through the financial account opening system shown in FIG. 1 or FIG. In a non-face-to-face transaction composite account operated in a detachable manner by the addition / deletion of the additional service ledger 975, the inside of the composite account through the addition / deletion of the additional service ledger 975 to the non-face-to-face transaction composite account. Add / delete or reset / modify the swing / reverse swing supplementary service ledger 975 for providing the swing / reverse swing between the ledgers and the non-required ledger included in the compound account ledger 990 in a detachable manner. , Showing the configuration of a non-face-to-face multi-account transaction system that provides a swing / reverse swing between the ledger, deferred ledger and resale ledger, in the technical field to which the present invention belongs For those of ordinary skill in the art, referring to and / or modifying the drawing 9 for the configuration of the composite account operating system that provides a swing / reverse swing between the internal ledger of the composite account through the addition / deletion of the additional service ledger 975 Various implementation methods (e.g., implementation methods in which some components are omitted, subdivided, or combined) may be inferred, but the present invention includes all the implementation methods inferred, and is shown in FIG. The technical features are not limited only by the method.

For example, in FIG. 9, the terminal device requesting the swing / reverse swing setting between the internal ledgers of the combined account through the addition / deletion of the additional service ledger 975 is not limited to the client terminal 995. According to the intention, the financial automated device including at least one automatic teller machine (ATM) and a cash dispenser (CD) provided in the financial institution (or another financial institution affiliated with the financial institution) City omitted), a call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN), a Voice over IP (VoIP) network, a mobile communication network affiliated with the financial institution, It may further include a call terminal (not shown) connected to a wireless telephone network, such as a wireless VoIP network, the present invention adds / deletes the additional service ledger 975 through all the inferred terminal devices Bayida put the apparently discovered that it is possible to request a swing / reverse swing set inter-ledger account of the complex through.

In addition, at least one additional service ledger 975 which is added / deleted to the multiple account ledger 990 and the customer ledger 993 and the multiple account ledger 990 to the customer ledger 993 in FIG. 9. ) Is illustrated as being provided in the ledger system shown in FIG. 2 for convenience, but the present invention is not limited thereto, and the additional service ledger 975 is the combined account ledger 990 as shown in FIG. It is clear that it is possible to be included in the ledger system linked to the existing financial sector financial system equipped with the customer ledger 993).

In addition, the ledger system in this figure 9 is the real name verification additional service ledger 975 shown in the figure 2 or 6, the real name verification (eg, financial real-name system transactions and confidentiality laws and regulations related to real-name financial transactions) (Real name verification based on face-to-face verification by Presidential Decree No. 15744), and it is apparent that the present invention is not limited thereto.

Hereinafter, a non-face-to-face transaction established on the multi-account ledger 990 system shown in FIG. 2 or 6 through the financial account opening system shown in FIG. 1 or 5 on the multi-account operating system shown in FIG. 9. Add / delete or reset / modify the swing / reverse swing supplementary service ledger 975 to the composite account for the additional service ledger 975 by removing the required ledger included in the composite account ledger 990 in a detachable manner. Components corresponding to one or more means and / or functional configurations that provide a swing / reverse swing between the ledger and the resale ledger are referred to as " non-face-to-face transaction server 900 " for convenience.

Referring to this figure 9 according to the embodiment of the present invention, the composite account operating system, a wired terminal used by a customer who opened a composite account for non-face-to-face transactions through the financial account opening system shown in Figure 1 or 5 Or a client terminal 995 including one or more wireless terminals, wherein the client terminal 995 is provided on the multi-account management system via a wired communication network or a communication network including one or more wireless communication networks. The non-face-to-face transaction server 900 and the communication channel are connected.

According to an embodiment of the present invention, the customer connects to the non-face-to-face transaction server 900 through one or more client terminals 995 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, and the non-face-to-face Swing / reverse swing setting information for the swing / reverse swing function between the internal ledgers of the compound account through the addition / deletion of the additional service ledger 975 through one or more swing / reverse swing setting interfaces provided by the transaction server 900. If input (or selected), the client terminal 995 is preferably transmitted to the non-face-to-face transaction server 900 provided on the composite account operating system via a communication network.

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 non-face-to-face transaction server 900 connected to the client terminal 995 may be an Internet banking server, a wireless banking server, a telebanking server, or a TV banking server for a composite account according to the characteristics of the client terminal 995 and communication network characteristics. Either one or more, it is preferable to include a separate web server for the swing / reverse swing function between the internal ledger of the composite account through the addition / deletion of the additional service ledger 975.

In addition, a communication network connecting the client terminal 995 and the non-face-to-face transaction server 900 may be a CDMA / WCDMA / GSM-based mobile communication network or an HSDPA-based wireless data communication network according to a wireless communication network type to which the client terminal 995 is connected. , IEEE 802.16x-based portable Internet, IEEE 802.11x-based wireless LAN, or any one of the proposed wireless communication networks including the future, including a wireless interval.

In addition, the client terminal 995 outputs one or more swing / reverse swing setting interfaces provided by the non-face-to-face transaction server 900, and inputs (or selects) one or more information through the user interface to face the non-face-to-face. It is preferable that a function configuration (for example, a browser program and a communication function, or a program and a communication function to communicate with the non-face-to-face transaction server 900, etc.) for transmitting to the transaction server 900 is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal 995 corresponding to one or more wired terminals or wireless terminals, and thus a detailed description thereof will be omitted for convenience. .

The non-face-to-face transaction server 900 provided on the multi-account management system according to the present invention is a generic term for a multi-account operating system side component connected to the client terminal 995 through a communication network, and includes one or more servers (or devices). ), Or may be implemented as one or more programs recorded on a recording medium provided in a server (or apparatus), thereby making it clear that the present invention is not limited.

According to one embodiment of the invention, the non-face-to-face transaction server 900 is a web server provided with a financial institution to which the client terminal 995 is connected, or a program provided in the web server, or the web server It is preferable to include a server (or device) on the ledger system (or financial system) accessible through the web server or the ledger system (or financial system) accessible through the web server, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the non-face-to-face transaction server 900 may be a non-face-to-face transaction server 900 in which a customer who opens the non-face-to-face transaction complex account accesses through the client terminal 995. Or a program included in the non-face-to-face transaction server 900 or a ledger system (or financial system) accessible through the non-face-to-face transaction server 900 or accessible through the non-face-to-face transaction server 900. It is preferred to include a server (or device) on the ledger system (or financial system), whereby the invention is not limited.

According to another exemplary embodiment of the present invention, the non-face-to-face transaction server 900 may be an information registration server connectable to a financial automatic device or a call terminal in addition to the client terminal 995 or may be provided in the information registration server. It may be a program or a ledger system (or financial system) accessible through the information registration server, or a server (or device) on the ledger system (or financial system) accessible through the information registration server. The present invention is not limited thereby.

According to an exemplary embodiment of the present invention, the non-face-to-face transaction server 900 may include an interface unit 905 for connecting and managing a communication channel with the client terminal 995 through the communication network.

According to an embodiment of the present invention, when the client terminal 995 is a wired terminal connected to a wired communication network, the interface unit 905 communicates with the client terminal 995 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 provided in the client terminal 995.

For example, when the client terminal 995 is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 may be connected to the client terminal 995 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 995 is provided with a communication program (eg, a non-face-to-face banking program) provided by the non-face-to-face transaction server 900, the interface unit 905 is based on the TCP / IP protocol. It connects a communication channel with the client terminal 995 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 995 is a wireless terminal connected to a wireless communication network, the interface unit 905 may be connected to the client terminal 995 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 995.

For example, when the client terminal 995 is provided with a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 905 is based on the CDMA protocol. ) And a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. To provide.

Alternatively, when the client terminal 995 is provided with a communication program (eg, a VM-based banking program or an IC chip-based banking program) provided by the non-face-to-face transaction server 900, the interface unit 905 It connects a communication channel with the client terminal 995 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 995 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 905 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 905 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. 9, the non-face-to-face transaction server 900 opens the financial account shown in FIG. 1 or 5 through the ledger operating interface 985 provided in the ledger system shown in FIG. 2 or 6. Ledger management unit 910 for managing the customer ledger 993, the composite account ledger 990, and one or more value-added service ledgers 975 corresponding to the non-face-to-face complex account opened through the system according to the financial institution policy. Or ledger management means).

According to an embodiment of the present invention, the ledger management unit 910 may be one or more face-to-face authentication means (eg, face-to-face authentication function provided with the financial institution (or affiliated with the financial institution), or face-to-face authentication). In connection with an agency) to check whether the real name of the face-to-face type of the non-real name non-face-to-face transaction complex account opened through the financial account opening system shown in FIG. 1 or 5 is confirmed, and the non-face-to-face of the non-real name state When confirming the real name of the transaction account, delete the real name confirmation additional service ledger 975 among the additional service ledger 975 through the ledger operation interface 985 (for example, confirming the real name through the additional service management ledger 980). By deactivating the additional service ledger (975), it is preferable to cancel the limit restrictions and various transaction restrictions in accordance with the unidentified real name of the non-face-to-face complex account All.

Alternatively, the ledger management unit 910 according to the policy of the financial institution (for example, the policy of providing additional services for each customer situation stage according to the age change / job / marriage / birth of the customer) of the financial institution illustrated in FIG. 1 or 5 Identify one or more managed ledgers of the customer ledger 993, the multiple account ledger 990, and the one or more value-added service ledger 975 constituting the composite account for non-face-to-face transaction opened through the account opening system, Modify (or update) the ledger information included in one or more managed ledgers, or if the confirmed managed ledger is an additional service ledger 975, the confirmed managed additional service ledger 975 is the multiple account ledger. It is preferable to add / delete from 990 to the customer ledger 993 (eg, to activate / deactivate the managed service supplementary service ledger 975 through the supplementary service management ledger 980).

According to another feature of the present invention, the ledger management unit 910 manages various ledgers corresponding to the non-face-to-face complex account opened through the financial account opening system shown in FIG. Check the swing / reverse swing setting information for providing a swing / reverse swing between internal ledgers included in the compound account according to the financial institution's policy (eg, customer asset management policy) or promotion (eg, customer asset-related promotion) Or generated).

According to an embodiment of the present invention, the swing / back swing setting information may include at least one of customer information, swing / back swing target ledger identification information, and swing / back swing condition information.

Here, the customer information is a customer for identifying a customer (or a compound account opened by the customer) who opened a compound account to process the swing / reverse swing between the internal ledgers of the compound account through the swing / reverse swing setting information As the identification information, the customer information is preferably matched with any one identification information (or unique information) of the customer ledger 993 information provided in the ledger system (or financial system).

According to the method of the present invention, the customer information, the member ID information of the customer, Customer Information (Customer Information File; CIF), it is preferable that the at least one resident registration number (or resident registration number and customer name) comprises one or more, the swing When the reverse swing setting information is received from the affiliate server, the customer information preferably includes at least one member ID information and a resident registration number (or resident registration number and customer name) registered with the affiliate company.

The swing / reverse swing target ledger identification information, swing according to the swing / reverse swing among the required payment ledger, earning ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 It is preferable that the withdrawal ledger identification information to be withdrawn / reverse swing amount, and the withdrawal ledger identification information to be withdrawn, the ledger identification information is subaccount number included in each ledger, each ledger It is preferable to include at least one unique information, ledger alias information.

According to the embodiment of the present invention, the swing / reverse swing target ledger is required ledger (1) and required ledger (2), required ledger and reserve ledger, required ledger and deferred ledger, required ledger and resale linked ledger, earned ledger (1) and ledger ledger (2), ledger ledger and ledger ledger, ledger ledger and resold ledger, ledger ledger (1) and ledger ledger (2), ledger led and resold ledger, led ledger resold (1) and resold It is preferable to include one or more of the linked ledger (2).

According to another exemplary embodiment of the present invention, when the swing / reverse swing target ledger is automatically set by the swing / reverse swing condition information, the swing / reverse swing target ledger identification information may be It is possible to omit it, thereby not limiting the present invention.

The swing / reverse swing condition information may include swing / reverse swing reference amount information for withdrawing a swing / reverse swing amount from a withdrawal ledger among the swing / reverse swing target ledgers, and withdraw a swing / reverse swing amount from the withdrawal target ledger. It is preferable that it comprises one or more swing / reverse swing date and time information to be deposited in the deposit target amount.

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Among the additional service ledgers 975 added to any one of)), it is preferable that the additional service ledgers further include interest rate adjustment condition information matched with the interest rate adjustment additional service ledger 975 information.

Here, the interest rate adjustment condition information, any of the demand ledger, the accumulated ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 (or composite account ledger 990) The combined account (or any of the required payment included in the combined account, earning type, deferred type, resale linkage, mileage / coupon, small loan) according to the interest rate adjustment additional service ledger 975, which is added / deleted or reset / modified in one). Automatically set (or reset) a swing / reverse swing ledger based on an additional service (e.g., interest rate addition condition or interest rate discount condition) set in the above, or the swing / reverse swing reference amount or swing / reverse swing date and time It is preferable to include the condition information to change, the interest rate adjustment condition information is the customer of the customer operated through the composite account through the swing / reverse swing The preferably set to increase the most (or minimize the decline in client assets).

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Any one of the additional service ledger 975 to be added to preferably further comprises tax condition information matching the tax added service ledger 975 information.

In this case, the tax condition information, any one of the required ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 (or composite account ledger 990) According to the tax added service ledger 975, which is added / deleted or reset / modified), it is set up in the compound account (or any one of the required payment included in the compound account, earning type, deferred type, resale linkage, mileage / coupon, small loan) Automatically set (or reset) a swing / reverse swing target ledger based on additional services (eg, tax / non-tax conditions, tax preferential conditions), or change the swing / reverse swing reference amount or swing / reverse swing date and time It is preferable to include the condition information, wherein the tax condition information through the swing / reverse swing to increase as much as possible the assets of the customer operated through the composite account (Or to minimize the reduction in customer assets).

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Among the additional service ledger 975 added to any one of the), it is preferable to further include fee adjustment condition information matching the fee adjustment additional service ledger 975 information.

In this case, the fee adjustment condition information is any one of the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 (or composite account ledger 990) The combined account (or any one of the required payments, earning, deferred, reselling, mileage / coupons, and small loans) according to the fee adjustment ledger 975, which is added / deleted or reset / modified in one). Automatically set (or reset) a swing / reverse swing ledger based on an additional service (eg, a fee discount condition) set in the above, or condition information for changing the swing / reverse swing reference amount or swing / reverse swing date and time Preferably, the fee adjustment condition information is configured to maximize the assets of the customer operated through the composite account through the swing / reverse swing It is desirable to set it to one increment (or to minimize the reduction in customer assets).

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Any one) of the additional service ledger 975 added to the payment support supplementary service ledger 975 preferably further comprises payment support condition information matching.

In this case, the payment support condition information, any of the multiple account ledger 990 (or the required account ledger included in the composite account ledger 990, the ledger ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger 1) the combined account (or any one of the required payment, earning, deferred, reselling, mileage / coupon, and small loan) according to the payment support ledger 975, which is added / deleted or reset / modified to Automatically set (or reset) a swing / reverse swing ledger based on additional services (e.g., funding conditions, settlement fee discounts, discounts), or the swing / reverse swing threshold amount to swing / reverse swing It is preferable to include the condition information for changing the date and time, the payment support condition information is operated through the composite account through the swing / reverse swing The asset is preferably set to (or minimize the decline in client assets) increased as much as possible.

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) It is preferable that the additional service ledger 975 added to any one of the) further comprising the billing / storage condition information matching the billing / storage additional service ledger 975 information.

In this case, the claim / storage condition information, the required payment ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 (or composite account ledger 990) According to the claim / receipt supplementary service ledger 975, which is added / deleted or reset / modified in any one), any of the combined account (or required payment included in the combined account, earning type, deferred type, resale linkage, mileage / coupon, small loan) One) automatically set (or reset) a swing / reverse swing target ledger based on the additional service (e.g., automatic payment condition, escrow condition), or set the swing / reverse swing reference amount or swing / reverse swing date and time It is preferable to include the condition information to be changed, the billing / storage condition information is the customer of the customer operated through the composite account through the swing / reverse swing The preferably set to increase the most (or minimize the decline in client assets).

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Any one of the additional service ledger 975, which is added to any one of the) is preferably further comprises a record information extension condition information matching the record information extension additional service ledger 975 information.

Here, the record information expansion condition information, the required account ledger included in the composite account ledger 990 (or composite account ledger 990), the accumulated ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger Any one of the combined account (or required payment included in the combined account, earning type, deferred type, resale linkage, mileage / coupon, small loan) according to the record information extension additional service ledger 975 added / deleted or reset / modified in any one) (A) Automatically set (or reset) a swing / reverse swing ledger based on an additional service (e.g., receivable collateral loans, various statistical information provision conditions) set in the one) or the swing / reverse swing reference amount or swing And the condition information for changing the reverse swing date and time, wherein the recording information expansion condition information is included in the composite account through the swing / reverse swing. It is set to increase as much as possible the customer's assets (or minimize the decline in client assets, or improved ease of customer asset management) that runs through preferred.

Referring to FIG. 9, when the client terminal 995 connects a communication channel through the interface unit 905, the non-faced transaction server 900 may add / delete the additional service ledger 975. Customer information and swing / swing / swing / swing / swing / swing / One or more swing / reverse swing settings for inputting (or selecting) swing / reverse swing setting information including one or more reverse swing target ledger identification information and swing / reverse swing condition information to the non-face-to-face transaction server 900. An interface for generating (or extracting) an interface and providing the generated / or swing setting interface to the client terminal 995 in association with the interface unit 905. Swing / reverse swing between study 915 (or interface providing means) and the internal ledger of a composite account through the addition / deletion of the supplementary service ledger 975 via the swing / reverse swing setting interface at the client terminal 995. When inputting (or selecting) swing / reverse swing setting information including at least one of customer information and swing / reverse swing ledger identification information and swing / reverse swing condition information for providing, the interface unit 905 and And an information receiver 920 (or an information receiver) for receiving the swing / reverse swing setting information transmitted from the client terminal 995 in association.

The interface providing unit 915 connects the non-face-to-face transaction server 900 to the non-face-to-face transaction server 900 through the interface unit 905, and then adds it to the non-face-to-face transaction server 900. When requesting a swing / reverse swing setting interface for the swing / reverse swing function between the internal ledgers of the compound account through the addition / deletion of the service ledger 975, the client terminal 995 adds / deletes the additional service ledger 975. Enter (or select) swing / reverse swing setting information including one or more customer information for providing a swing / reverse swing between the internal ledgers of the composite account and one or more swing / reverse swing target ledger identification information and swing / reverse swing condition information. Generate one or more swing / reverse swing setting interfaces to be transmitted to the non-face-to-face transaction server 900 via the communication network, or extract from a database (not shown). In association with the face portion 905 with the generated swing / reverse swing setting interface to the network (or extraction) it is characterized in that provides to the client terminal (995).

According to an embodiment of the present invention, when the client terminal 995 is a wired terminal connected to a wired communication network, the interface providing unit 915 may be provided by a browser program or a communication program provided in the client terminal 995. It is preferable to generate (or extract) a swing / reverse swing setting interface and provide the generated (or extracted) user interface to the client terminal 995 through the interface unit 905.

According to another exemplary embodiment of the present invention, when the client terminal 995 is a wireless terminal connected to a wireless communication network, the interface providing unit 915 is provided by a browser program or a communication program provided in the client terminal 995. It is preferable to generate (or extract) possible swing / backswing setting interfaces and provide the generated (or extracted) user interface to the client terminal 995 through the interface unit 905.

According to another exemplary embodiment of the present invention, when the client terminal 995 is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 915 is connected to the call terminal (not shown). Generate (or extract) a swing / reverse swing setting 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), and the interface unit 905. It is preferable to provide the generated (or extracted) user interface to the call terminal (not shown) through.

According to another exemplary embodiment of the present invention, one or more user interfaces for inputting (or selecting) the swing / reverse swing setting information to the client terminal 995 and transmitting to the non-face-to-face transaction server 900 through the communication network are provided. When the provided program is provided, the interface providing unit 915 which generates (or extracts) the swing / reverse swing setting interface and provides it to the client terminal 995 may be omitted, and the present invention is not limited thereto. No.

Input swing / reverse swing setting information for providing a swing / reverse swing between internal ledgers of a composite account through adding / removing the additional service ledger 975 through the swing / reverse swing setting interface at the client terminal 995 ( Or to transmit), the information receiving unit 920 in conjunction with the interface unit 905 swing / reverse including at least one of the customer information, swing / reverse swing target ledger identification information and swing / reverse swing condition information And receiving swing setting information.

Here, the customer information is a customer for identifying a customer (or a compound account opened by the customer) who opened a compound account to process the swing / reverse swing between the internal ledgers of the compound account through the swing / reverse swing setting information As the identification information, the customer information is preferably matched with any one identification information (or unique information) of the customer ledger 993 information provided in the ledger system (or financial system).

According to the method of the present invention, the customer information, the member ID information of the customer, Customer Information (Customer Information File; CIF), it is preferable that the at least one resident registration number (or resident registration number and customer name) comprises one or more, the swing When the reverse swing setting information is received from the affiliate server, the customer information preferably includes at least one member ID information and a resident registration number (or resident registration number and customer name) registered with the affiliate company.

The swing / reverse swing target ledger identification information, swing according to the swing / reverse swing among the required payment ledger, earning ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 It is preferable that the withdrawal ledger identification information to be withdrawn / reverse swing amount, and the withdrawal ledger identification information to be withdrawn, the ledger identification information is subaccount number included in each ledger, each ledger It is preferable to include at least one unique information, ledger alias information.

According to the embodiment of the present invention, the swing / reverse swing target ledger is required ledger (1) and required ledger (2), required ledger and reserve ledger, required ledger and deferred ledger, required ledger and resale linked ledger, earned ledger (1) and ledger ledger (2), ledger ledger and ledger ledger, ledger ledger and resold ledger, ledger ledger (1) and ledger ledger (2), ledger led and resold ledger, led ledger resold (1) and resold It is preferable to include one or more of the linked ledger (2).

According to another exemplary embodiment of the present invention, when the swing / reverse swing target ledger is automatically set by the swing / reverse swing condition information, the swing / reverse swing target ledger identification information may be It is possible to omit it, thereby not limiting the present invention.

The swing / reverse swing condition information may include swing / reverse swing reference amount information for withdrawing a swing / reverse swing amount from a withdrawal ledger among the swing / reverse swing target ledgers, and withdraw a swing / reverse swing amount from the withdrawal target ledger. It is preferable that it comprises one or more swing / reverse swing date and time information to be deposited in the deposit target amount.

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Among the additional service ledger 975 added to any one of the), it is preferable that the rate adjustment condition information matched with the additional information ledger 975 information.

Here, the interest rate adjustment condition information, any of the complex ledger 990 (or the required account ledger, accumulated ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990) The combined account (or any of the required payment included in the combined account, earning type, deferred type, resale linkage, mileage / coupon, small loan) according to the interest rate adjustment additional service ledger 975, which is added / deleted or reset / modified in one). Automatically set (or reset) a swing / reverse swing ledger based on an additional service (e.g., interest rate addition condition or interest rate discount condition) set in the above, or the swing / reverse swing reference amount or swing / reverse swing date and time It is preferable to include the condition information to change, the interest rate adjustment condition information is the customer of the customer operated through the composite account through the swing / reverse swing The preferably set to increase the most (or minimize the decline in client assets).

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Any one of the additional service ledger 975 to be added to preferably further comprises tax condition information matching the tax added service ledger 975 information.

In this case, the tax condition information, any one of the required ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 (or composite account ledger 990) According to the tax added service ledger 975, which is added / deleted or reset / modified), it is set up in the compound account (or any one of the required payment included in the compound account, earning type, deferred type, resale linkage, mileage / coupon, small loan) Automatically set (or reset) a swing / reverse swing ledger based on additional services (e.g., tax / non-tax conditions, preferential tax conditions), or change the swing / reverse swing threshold or swing / reverse swing date and time Preferably, the tax condition information is included, and the tax condition information is increased as much as possible through the swing / reverse swing. It is set to (or minimize the decline in client assets) is preferred.

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Among the additional service ledger 975 added to any one of the), it is preferable to further include fee adjustment condition information matching the fee adjustment additional service ledger 975 information.

Here, the fee adjustment condition information is any one of the required ledger, credit ledger, deferred ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 (or composite account ledger 990) The combined account (or any one of the required payments, earning, deferred, reselling, mileage / coupons, and small loans) according to the fee adjustment ledger 975, which is added / deleted or reset / modified in one). Automatically set (or reset) a swing / reverse swing ledger based on an additional service (eg, a fee discount condition) set in the above, or condition information for changing the swing / reverse swing reference amount or swing / reverse swing date and time Preferably, the fee adjustment condition information is configured to maximize the assets of the customer operated through the composite account through the swing / reverse swing It is desirable to set it to one increment (or to minimize the reduction in customer assets).

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Any one) of the additional service ledger 975 added to the payment support supplementary service ledger 975 preferably further comprises payment support condition information matching.

In this case, the payment support condition information, any of the multiple account ledger 990 (or the required account ledger included in the composite account ledger 990, the ledger ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger 1) the combined account (or any one of the required payment, earning, deferred, resale association, mileage / coupon, and small loan) according to the payment support ledger 975, which is added / deleted or reset / modified to Automatically set (or reset) a swing / reverse swing ledger based on additional services (e.g., funding conditions, settlement fee discounts, discounts), or the swing / reverse swing threshold amount to swing / reverse swing It is preferable to include the condition information for changing the date and time, the payment support condition information is operated through the composite account through the swing / reverse swing The asset is preferably set to (or minimize the decline in client assets) increased as much as possible.

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) It is preferable that the additional service ledger 975 added to any one of the) further comprising the billing / storage condition information matching the billing / storage additional service ledger 975 information.

In this case, the claim / storage condition information, the required payment ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account ledger 990 (or composite account ledger 990) According to the claim / receipt supplementary service ledger 975, which is added / deleted or reset / modified in any one), any of the combined account (or required payment included in the combined account, earning type, deferred type, resale linkage, mileage / coupon, small loan) (A) Automatically set (or reset) a swing / backswing target ledger based on an additional service (eg, automatic payment condition, escrow condition) set in the one), or set the swing / backswing reference amount or swing / backswing date and time It is preferable to include the condition information to change, the billing / storage condition information is the customer's assets operated through the composite account through the swing / reverse swing Is preferably set to increase as much as possible (or minimize the reduction in customer assets).

In addition, the swing / reverse swing condition information, the request ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account ledger 990 (or composite account ledger 990) Any one of the additional service ledger 975, which is added to any one of the) is preferably further comprises a record information extension condition information matching the record information extension additional service ledger 975 information.

Here, the record information expansion condition information, the required account ledger included in the composite account ledger 990 (or composite account ledger 990), the accumulated ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger Any one of the combined account (or required payment included in the combined account, earning type, deferred type, resale linkage, mileage / coupon, small loan) according to the record information extension additional service ledger 975 added / deleted or reset / modified in any one) (A) Automatically set (or reset) a swing / reverse swing ledger based on an additional service (e.g., receivable collateral loans, various statistical information provision conditions) set in the one) or the swing / reverse swing reference amount or swing And the condition information for changing the reverse swing date and time, wherein the recording information expansion condition information is included in the composite account through the swing / reverse swing. It is set to increase as much as possible the customer's assets (or minimize the decline in client assets, or improved ease of customer asset management) that runs through preferred.

Referring to FIG. 9, when the swing / reverse swing setting information is received through the information receiving unit 920, the non-face-to-face transaction server 900 reads the received swing / reverse swing setting information and performs the swing. / Reverse swing setting information is provided with a validation unit (925) (or validation means) for confirming whether to satisfy the validity for providing a swing / reverse swing function between the internal ledger of the composite account through the composite account It is done.

According to the exemplary embodiment of the present invention, when the swing / reverse swing setting information is encrypted according to an encryption / decryption method, the validity checker 925 decrypts the swing / reverse swing setting information according to the encryption / decryption method. By doing so, it is preferable to check whether the swing / reverse swing setting information satisfies the validity for providing a swing / reverse swing function between internal ledgers of a composite account through the composite account.

Or, if the electronic signature is attached to the swing / reverse swing setting information, the validity check unit 925 checks the electronic signature attached to the swing / reverse swing setting information, the swing / reverse swing setting information is It is preferable to check whether the composite account satisfies the validity for providing the swing / reverse swing function between the internal ledgers of the composite account.

Those skilled in the art to which the present invention pertains check the technical characteristics of various decryption methods for decrypting the encrypted swing / backswing setting information and the electronic signature attached to the swing / backswing setting information. Since it will be familiar with the technical features, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the validity check for providing a swing / reverse swing function between the internal ledgers of a composite account through the composite account is performed by the swing / link to the ledger system (or financial system) associated with the composite account operating system. It is preferable to include checking whether at least one ledger matching the reverse swing setting information is registered in advance.

For example, the validity check for providing a swing / reverse swing function between the internal ledgers of the compound account through the compound account may include account information included in the swing / reverse swing setting information linked to the present account management system. Or the internal ledger of any one of the multiple account ledgers 990 (or the required ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, and microloan ledger) included in the multi-account ledger 990 on the financial system). And if the ledger matching the swing / reverse swing setting information is registered in the ledger system (or financial system), the swing / reverse swing setting information is set to the composite account. It is desirable to check whether the validity to provide a swing / reverse swing function between the internal ledger of the compound account through.

When the swing / reverse swing setting information includes non-faceted authentication information according to an exemplary embodiment of the present invention, validation for providing a swing / reverse swing function between internal ledgers of the composite account through the composite account may be performed in the non-faceted manner. It is preferable to further comprise authenticating authentication information.

Referring to FIG. 9, when the swing / reverse swing setting information is received through the information receiving unit 920, the non-face-to-face transaction server 900 may be configured to execute the inside of a composite account through the received swing / reverse swing setting information. In order to provide a swing / reverse swing function between the ledgers, the inside of the composite account through the addition / deletion of the additional service ledger 975 to the multiple account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face transaction composite account. Add / delete the swing / reverse swing additional service ledger 975 for providing the swing / reverse swing between the ledgers, or the swing / reverse swing additional service ledger added to the multiple account ledger 990 to the customer ledger 993. (975) Additional service confirmation unit 930 (or additional service confirmation means) for checking whether the information is reset / corrected, and the additional service confirmation unit 930 as a result of the check, the additional service ledger 975 added / deleted Internal ledger of compound account through When the addition of the swing / reverse swing supplementary service ledger 975 or the additional service ledger 975 information is confirmed in the composite account ledger 990 to the customer ledger 993 to provide a swing / reverse swing, the An additional service ledger information generation unit 935 (or additional service ledger 975 information generating means) for generating swing / reverse swing additional service ledger 975 information to be added (or reset / modified); An additional service storage unit 945 (or storing the swing / reverse swing additional service ledger 975 information generated in the swing / reverse swing additional service ledger 975 generated by the unit 940 (or previously generated) (or An additional service storage means).

In addition, referring to Figure 9, the non-face-to-face transaction server 900, when the additional service confirmation unit 930, the new addition confirmation of the swing / reverse swing additional service ledger 975, the Figure 2 Or an additional service ledger generation unit 940 (or additional service ledger 975 generating means) for generating the swing / reverse swing additional service ledger 975 in the ledger system shown in FIG. 6. do.

In addition, referring to Figure 9, the non-face-to-face transaction server 900, upon confirmation of the additional service confirmation unit 930, when deleting or resetting / modifying the swing / reverse swing additional service ledger 975, An additional service ledger confirmation unit 960 (or an additional service ledger 975) for confirming the deletion / reset / modification target swing / reverse swing additional service ledger 975 in connection with the ledger system illustrated in FIG. 2 or FIG. 6. It is characterized in that it further comprises a confirmation means).

When the swing / reverse swing setting information is received through the information receiver 920, and the validity of the received swing / reverse swing setting information is authenticated by the validity checker 925, the additional service checker ( In order to provide a swing / reverse swing function between the internal ledgers of the composite account through the swing / reverse swing setting information, the 930 may be assigned to the composite account ledgers 990 to 993 which correspond to the non-face-to-side transaction composite accounts. Check whether or not to add a new swing / reverse swing supplementary service ledger 975, or if the swing / reverse swing supplementary service ledger 975 is already added to the composite account ledger 990 to the customer ledger 993, Confirm whether to delete the swing / reverse swing supplementary service ledger 975 from the composite account ledger 990 or the customer ledger 993, or add a swing / reverse swing stored in the swing / reverse swing supplementary service ledger 975 Service Ledger ( 975) Check whether the information is reset or corrected.

According to an exemplary embodiment of the present invention, the additional service checking unit 930 is linked to the ledger system in the composite account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face transaction composite account. Check whether the swing / reverse swing additional service ledger 975 is added to provide the swing / reverse swing function between the internal ledgers of the internal ledgers, and the check result indicates that the composite account ledger 990 to the customer ledger 993 If the reverse / reverse swing supplementary service ledger 975 is not already added, the swing / reverse to the multiple account ledger 990 to the customer ledger 993 to provide a swing / reverse swing function between the internal ledger of the composite account It is desirable to confirm by adding the swing supplementary service ledger 975.

According to another embodiment of the present invention, a swing / swing for providing a swing / reverse swing function between the internal ledgers of the composite account to the composite account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face composite account. When it is confirmed that the reverse swing supplementary service ledger 975 is already added, the supplementary service checking unit 930 is configured to provide the swing / reverse swing function between the internal ledgers of the composite account. ) To delete the swing / reverse swing supplementary service ledger 975 from the customer ledger 993, or a part of the swing / reverse swing supplementary service ledger 975 information stored in the swing / reverse swing supplementary service ledger 975. It is desirable to confirm whether to reset / modify (or all).

If the composite account ledger 990 to the customer ledger 993, the swing / reverse swing additional service ledger 975 for providing a swing / reverse swing function between the internal ledger of the composite account, but the composite account In order to provide the swing / reverse swing function between the internal ledgers of the swing / reverse swing additional service ledger 975, when the information on the swing / reverse swing additional service ledger 975 is no longer used, the additional service is confirmed. The unit 930 preferably confirms that the swing / reverse swing additional service ledger 975 is deleted from the multiple account ledger 990 to the customer ledger 993.

If the check result, the swing / reverse swing additional service to the composite account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face transaction composite account to provide a swing / reverse swing function between the internal ledger of the composite account When addition of the ledger 975 or resetting / modification of the swing / reverse swing supplementary service ledger 975 information is confirmed, the supplementary service ledger information generating unit 935 is included in the swing / reverse swing supplementary service ledger 975. Among the information items, additional (or reset / modify) target swing / reverse swing additional service ledger 975 information including one or more additional (or reset / modify) target information items corresponding to the swing / reverse swing setting information It is characterized by generating.

Here, the swing / reverse swing additional service ledger (975) information, one or more swing / reverse swing of any of the required ledger, accumulated ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account Preferably it includes the target ledger identification information and one or more swing / reverse swing condition information for the swing / reverse swing target ledger.

According to the embodiment of the present invention, the swing / reverse swing target ledger is required ledger (1) and required ledger (2), required ledger and reserve ledger, required ledger and deferred ledger, required ledger and resale linked ledger, earned ledger (1) and ledger ledger (2), ledger ledger and ledger ledger, ledger ledger and resold ledger, ledger ledger (1) and ledger ledger (2), ledger led and resold ledger, led ledger resold (1) and resold It is preferable to include one or more of the linked ledger (2).

The swing / reverse swing condition information may include swing / reverse swing reference amount information for withdrawing a swing / reverse swing amount from a withdrawal ledger among the swing / reverse swing target ledgers and a swing / reverse swing amount from the withdrawal target ledger. It is preferable to include at least one swing / reverse swing date and time information to be withdrawn to the deposit target amount, and the composite account ledger 990 (or the required payment ledger, reserve ledger, deferred ledger, resale) Interest rate adjustment condition information, tax condition information, fee adjustment condition information, payment support condition that matches the additional service ledger 975 that is added / deleted or reset / modified to the linked ledger, mileage / coupon ledger, or microloan ledger It is preferable that the information, billing / storage condition information, and record information expansion condition information is included.

Alternatively, in order to provide a swing / reverse swing function between the internal ledgers of the composite account, the new swing / reverse swing is added to the composite account ledgers 990 to the customer ledger 993 corresponding to the non-face-to-face transaction composite account. When it is confirmed that the service ledger 975 is newly added, the supplementary service ledger generation unit 940 generates the swing / reverse swing supplementary service ledger generated by the supplementary service ledger information generation unit 935 on the ledger system. In response to the information, it is characterized in that to generate a new additional target swing / reverse swing additional service ledger 975 to be added to the composite account ledger 990 to the customer ledger 993.

Here, the swing / reverse swing supplementary service ledger 975, the swing / reverse swing of any one or more of the required ledger, earning ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account It is preferable to include an information field including one or more target ledger identification information and one or more swing / reverse swing condition information for the swing / reverse swing target ledger, the swing / reverse swing additional service ledger 975 Each information field of is preferably initialized to a null value.

According to the embodiment of the present invention, the swing / reverse swing target ledger is required ledger (1) and required ledger (2), required ledger and reserve ledger, required ledger and deferred ledger, required ledger and resale linked ledger, earned ledger (1) and ledger ledger (2), ledger ledger and ledger ledger, ledger ledger and resold ledger, ledger ledger (1) and ledger ledger (2), ledger led and resold ledger, led ledger resold (1) and resold It is preferable to include one or more of the linked ledger (2).

The swing / reverse swing condition information may include swing / reverse swing reference amount information for withdrawing a swing / reverse swing amount from a withdrawal ledger among the swing / reverse swing target ledgers and a swing / reverse swing amount from the withdrawal target ledger. It is preferable to include at least one swing / reverse swing date and time information to be withdrawn to the deposit target amount, the composite account ledger 990 (or the required payment ledger, earned ledger, deferred ledger, resale) Interest rate adjustment condition information, tax condition information, fee adjustment condition information, payment support condition that matches the additional service ledger 975 that is added / deleted or reset / modified to the linked ledger, mileage / coupon ledger, or microloan ledger It is preferable that the information, billing / storage condition information, and record information expansion condition information is included.

According to the implementation method of the present invention, any one of the required account ledger 990 (or multiple account ledger 990) required ledger, earned ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger When the swing / reverse swing additional service ledger 975 is added to the internal ledger of the swing, the swing / reverse swing additional service ledger 975 is included in the composite account ledger 990 (or the composite account ledger 990). It is preferable to apply in preference to the basic attributes / conditions of any one of the required ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger). (Or an internal ledger of any one of the required ledger, earned ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, and microloan ledger included in the compound ledger 990). It is preferable to apply priority to the additional service ledger 975.

Alternatively, in order to provide a swing / reverse swing function between the internal ledgers of the composite account, the confirmation result is that the swing / swing / addition is added to the composite account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face transaction composite account. When it is confirmed that the reverse swing supplementary service ledger 975 is reset / modified, the supplementary service ledger confirmation unit 960 is added to the composite account ledger 990 to the customer ledger 993 in association with the ledger system. Among the one or more additional service ledgers 975, the reset / modified target swing / reverse swing additional service ledgers 975 may be identified.

Alternatively, in order to provide a swing / reverse swing function between the internal ledgers of the composite account, the confirmation result is that a swing / When it is confirmed that the reverse swing additional service ledger 975 is deleted, the additional service ledger confirmation unit 960 is added to the multiple account ledger 990 to the customer ledger 993 in association with the ledger system. Among the above additional service ledger 975, the deletion target swing / reverse swing additional service ledger 975 is identified.

According to an embodiment of the present invention, the swing / reverse swing supplementary service ledger 975 is generated in the ledger system, and the swing / reverse swing supplementary service ledger to be added by the supplementary service ledger information generation unit 935 ( When the swing / reverse swing supplementary service ledger 975 information corresponding to 975 is generated, the supplementary service storage unit 945 contacts the generated swing / reverse swing supplementary service ledger 975 in association with the ledger system. The additional service ledger information generation unit 935 stores the generated swing / reverse swing additional service ledger 975 information.

According to another embodiment of the present invention, if the swing / reverse swing additional service ledger 975 to be deleted from the multiple account ledger 990 to the customer ledger 993 is confirmed, the additional service storage unit 945 is the ledger. Check the deletion target swing / reverse swing additional service ledger 975 previously added to the composite account ledger 990 to the customer ledger 993 in conjunction with the system, and the composite account ledger 990 to the customer ledger 993 The deletion target swing / reverse swing supplementary service ledger 975 is characterized in that the deletion.

According to another embodiment of the present invention, if the reset / modification target swing / reverse swing additional service ledger 975 previously added to the multiple account ledger 990 to the customer ledger 993 is confirmed, the additional service storage is performed. The unit 945 may generate a part (or all) of the reset / modification target swing / reverse swing supplementary service ledger 975 information by the supplementary service ledger information generation unit 935 to generate the swing / reverse swing supplementary service ledger. (975) The information is updated and stored.

Referring to FIG. 9, the non-face-to-face transaction server 900 generates a new swing / reverse swing additional service ledger 975 in the ledger system by the additional service ledger generation unit 940 or the additional service. When the swing / backswing supplementary service ledger 975 information is stored in the new swing / backswing supplementary service ledger 975 generated by the storage unit 945, the non-swing in conjunction with the ledger system (or financial system) is stored. The swing / reverse swing supplementary service ledger 975 is added to the compound account ledger 990 to the customer ledger 993 corresponding to the face-to-face transaction composite account, and the swing subject / delete is deleted by the supplementary service checking unit 930. When the reverse swing supplementary service ledger 975 is confirmed, the deleted target swing / reverse swing supplementary service ledger 975 is deleted from the multi-account ledger 990 to the customer ledger 993 in association with the ledger system (or financial system). Annex to remove Provided with a director's adding / deleting unit 950 (or additional service director 975 adding / deleting means) is characterized in that formed.

A new swing / backswing supplementary service ledger 975 is generated in the ledger system by the supplementary service ledger generation unit 940 or a new swing / backswing supplementary service generated by the supplementary service storage unit 945. When the swing / reverse swing additional service ledger 975 information is stored in the ledger 975, the additional service ledger add / delete unit 950 is combined with the ledger system (or financial system) for the non-face-to-face transaction complex. The swing / reverse swing additional service ledger 975 may be added to the compound account ledger 990 to the customer ledger 993 corresponding to the account.

According to an embodiment of the present invention, the additional service ledger add / delete unit 950 activates one or more additional target additional service ledgers 975 through the additional service management ledger 980 provided in the ledger system. It is preferable to process the additional service ledger 975 to be added to the composite account ledger 990 to the customer ledger 993.

Alternatively, when the deletion target swing / reverse swing supplementary service ledger 975 is confirmed by the supplementary service confirming unit 930, the supplementary service ledger adding / deleting unit 950 is linked with the ledger system (or financial system). To delete the swing / reverse swing additional service ledger 975 from the multiple account ledger 990 to the customer ledger 993.

According to an embodiment of the present invention, the additional service ledger add / delete unit 950 deactivates one or more deleted target additional service ledgers 975 through the additional service management ledger 980 provided in the ledger system. It is preferable to process the additional service ledger 975 to be deleted in the multi-account ledger 990 to the customer ledger 993.

Referring to FIG. 9, the non-face-to-face transaction server 900 may add / delete the swing / reverse swing supplementary service ledger 975 by the supplementary service ledger add / delete 950, or the supplementary service. When the swing / reverse swing additional service ledger 975 information is reset / modified by the storage unit 945 to the swing / reverse swing additional service ledger 975, the swing / reverse swing additional service is linked to the ledger system. Additional service ledger 975 log corresponding to adding / deleting ledger 975 or resetting / modifying the swing / reverse swing additional service ledger 975 information to the swing / reverse swing additional service ledger 975 And a log information storage unit 955 (or log information storage means) for processing information to be stored in an additional service log D / B (not shown) included in the ledger system. in D / B (not shown) may be the additional service management ledger 980, the storage area included in the additional service management ledger 980, or a separate database associated with the additional service management ledger 980. It is preferable to comprise.

If the swing / reverse swing supplementary service ledger 975 is added / deleted by the supplementary service ledger add / delete 950, the log information storage unit 955 is added / deleted in association with the ledger system. Check the added swing / reverse swing supplementary service ledger 975 and generate log information of the supplementary service ledger 975 corresponding to the addition / deletion of the swing / reverse swing supplementary service ledger 975 in association with the ledger system. It is characterized in that the processing to be stored in the additional service log D / B provided in the ledger system.

Alternatively, when the swing / reverse swing additional service ledger 975 information is reset / modified by the additional service storage unit 945 to the swing / reverse swing additional service ledger 975, the log information storage unit 955 Checks the reset / modified swing / reverse swing additional service ledger 975 in association with the ledger system and corresponds to the reset / modification of the swing / reverse swing additional service ledger 975 in association with the ledger system. The additional service ledger 975 generates log information and processes the log information to be stored in the additional service log D / B provided in the ledger system.

Referring to FIG. 9, the non-face-to-face transaction server 900 may be added through the additional service ledger add / delete unit 950, or may be reset / modified by the additional service storage unit 945. An additional service ledger confirmation unit 960 (or additional service ledger 975 confirmation means) for confirming the additional service ledger 975 is characterized in that it is made.

The swing / reverse swing supplementary service ledger 975 is added through the supplementary service ledger adding / removing unit 950 or the swing / reverse swing supplementary service ledger 975 information by the supplementary service storage unit 945. After the reset / modification, the supplementary service ledger confirmation unit 960 is linked to the ledger system, the combined account ledger 990 (or the required payment ledger, earned ledger, deferred ledger, resale linked ledger, included in the composite account, One of the mileage / coupon ledger, the small loan ledger) to the customer ledger 993 (or reset / modified) the swing / reverse swing additional service ledger 975, or the combined account ledger 990 to the customer ledger ( 993) is not added / deleted or reset / modified, but it is characterized in that to check the swing / reverse swing supplementary service ledger 975 to maintain the added state.

Here, the swing / reverse swing supplementary service ledger 975, the swing / reverse swing of any one or more of the required ledger, earning ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account It is preferable to include target ledger identification information and swing / reverse swing condition information for each swing / reverse swing target ledger.

According to an exemplary embodiment of the present invention, the supplementary service ledger checking unit 960 reads the supplementary service ledger 975 log information stored in the supplementary service log D / B provided in the ledger system, and reads the combined account ledger 990 ( Or a swing / reverse swing supplementary ledger added to (or reset / modified) any required ledger, reserve ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, or microloan ledger included in the compound account (975). It is desirable to check.

Referring to FIG. 9, the non-face-to-face transaction server 900 performs the swing / reverse swing supplementary service ledger by the supplementary service ledger add / delete unit 950 as a result of confirming the supplementary service ledger confirmation unit 960. 975 is added or the swing / backswing supplementary service ledger 975 information is stored or added / deleted in the swing / backswing supplementary service ledger 975 by the supplementary service storage unit 945. Or when the swing / backswing supplementary service ledger 975 that is not reset / modified but remains added, identifies the swing / backswing target ledger included in the swing / backswing supplementary service ledger 975 information. Check the information regarding the swing / reverse swing ledger and read one or more swing / reverse swing condition information corresponding to the swing / reverse swing target ledger to determine whether the swing / reverse swing target ledgerWhen the swing / reverse swing check unit 965 (or swing / reverse swing check means) to check and the swing / reverse swing check unit 965 confirms one or more swing / reverse swing target ledgers At least one swing / reverse swing target ledger included in the swing / reverse swing supplementary ledger 975 and the swing / reverse swing conditions for each of the swing / reverse swing target ledgers take precedence over the swing / reverse swing conditions of the composite account. Swing / reverse swing swing / reverse swing between the target / ledgers including one or more ledgers, savings ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account It is characterized by comprising a reverse swing processing unit 970 (or swing / reverse swing processing means).

As a result of the check by the supplementary service ledger confirmation unit 960, the swing / reverse swing supplementary service ledger 975 is added by the supplementary service ledger addition / deletion unit 950, or the supplementary service storage unit 945 The swing / backswing supplementary service ledger 975 information is stored in the swing / backswing supplementary service ledger 975 by the swing / backswing supplementary service ledger 975 or is not added / deleted or reset / modified but remains added. When the supplementary service ledger 975 is confirmed, the swing / reverse swing confirming unit 965 is included in the swing / reverse swing supplementary service ledger 975 information included in the identified swing / reverse swing supplementary service ledger 975. Identifying and reading one or more swing / reverse swing target ledger identification information is characterized in that for identifying one or more swing / reverse swing target ledger.

As a result of the check, when one or more swing / reverse swing target ledgers are confirmed, the swing / reverse swing confirmation unit 965 may include a swing / reverse swing additional service ledger 975 included in the swing / reverse swing additional service ledger 975. Check at least one swing / reverse swing condition information corresponding to the swing / reverse swing target ledger from the information, and read the at least one identified swing / reverse swing condition information to read the at least one swing / reverse swing target ledger. It is characterized by checking whether the swing / reverse swing for.

When the swing / reverse swing of one or more swing / reverse swing target ledgers from the swing / reverse swing additional service ledger 975 is confirmed by the swing / reverse swing confirmation unit 965 according to an embodiment of the present invention, The swing / reverse swing processing unit 970 combines one or more swing / reverse swing target ledgers included in the swing / reverse swing supplementary ledger 975 and swing / reverse swing conditions for each of the swing / reverse swing target ledgers. Between swing / reverse swing ledgers including one or more required ledgers, savings ledgers, deferred ledgers, resale-linked ledgers, mileage / coupon ledgers, and micro-loan ledgers. Swing / reverse swing transactions.

If the person of ordinary skill in the art (for example, those who are familiar with the swing / reverse swing transaction procedure between conventional financial accounts), the swing / reverse swing processing unit 970 is one or more swing / reverse swing conditions According to the swing / reverse swing can be inferred the process of processing the swing / reverse swing transaction between the ledger, detailed description of the swing / reverse swing transaction process will be omitted for convenience.

According to another exemplary embodiment of the present invention, when the swing / reverse swing target ledger is not confirmed by the swing / reverse swing additional service ledger 975 by the swing / reverse swing confirmation unit 965, (Eg, when the swing / reverse swing additional service ledger 975 is deleted by the supplementary service ledger add / remove unit 950), the swing / reverse swing processing unit 970 is a basic corresponding to the composite account. Check the swing / reverse swing setting information stored in the account ledger, upon confirmation of the swing / reverse swing setting information, the required payment ledger, earning ledger, deferred ledger included in the composite account based on the confirmed swing / reverse swing setting information It is possible to process swing / reverse swing transactions between swing / reverse swing ledgers which include one or more resale ledgers, mileage / coupon ledgers and microloan ledgers.

If the person skilled in the art (for example, those who are familiar with the swing / reverse swing transaction procedure between the conventional financial accounts), the swing / reverse swing processing unit 970 is the swing / reverse swing setting Since the process of processing the swing / reverse swing transaction between the swing / reverse swing target ledger through it can be inferred, a detailed description of the swing / reverse swing transaction process will be omitted for convenience.

10 is a diagram illustrating a swing / reverse swing request process between internal ledgers of a composite account through addition / deletion of an additional service ledger 975 according to an embodiment of the present invention.

In more detail, FIG. 10 is added to a non-face-to-face compound account opened on the compound account ledger 990 system shown in FIG. 2 or 6 through the financial account opening system shown in FIG. 1 or FIG. A process for requesting to add / delete or reset / modify a swing / reverse swing supplementary service ledger 975 for providing a swing / reverse swing between internal ledgers of a compound account through the addition / deletion of the service ledger 975. By using the client terminal 995 shown in FIG. 9, the swing / reverse swing setting information is transmitted from the non-face-to-face transaction server 900 to the swing / internal ledger of the composite account through the addition / deletion of the additional service ledger 975. A diagram showing an implementation method for requesting to set up a swing / reverse swing function between internal ledgers of a composite account for providing a reverse swing.

Those skilled in the art to which the present invention pertains, refer to and / or modify this figure 10 in the process of requesting a swing / reverse swing between the internal ledger of the composite account through the addition / deletion of the additional service ledger 975 Various implementation methods (e.g., implementation methods in which some components are omitted, subdivided, or combined) may be inferred, but the present invention includes all the implementation methods inferred above, and is shown in FIG. The technical features are not limited only by the implementation method.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 10 to add the additional service ledger 975 through the automated teller machine or the call terminal in addition to the client terminal 995. According to an implementation method for requesting to set the swing / reverse swing function between the internal ledgers of the compound account for providing the swing / reverse swing between the internal ledgers of the compound account through the deletion / deletion, or according to the internal policy in the non-face-to-face transaction server 900 It is possible to infer a method of determining to set the swing / reverse swing function between the internal ledgers of the composite account for providing the swing / reverse swing between the internal ledgers of the composite account through the addition / deletion of the additional service ledger 975. It is manifestly apparent that the invention includes all such inferred methods of implementation.

Hereinafter, in FIG. 10, the client terminal 995 on the multi-account management system shown in FIG. 9 is referred to as a “terminal” for convenience, and the non-face-to-face transaction server 900 is referred to as a “server” for convenience.

Referring to FIG. 10, the terminal accesses the server through a communication network, connects a communication channel, and registers a swing / reverse swing function between internal ledgers of a composite account through the addition / deletion of the additional service ledger 975. The non-face-to-face authentication is performed through the non-face-to-face authentication information (1000).

According to an embodiment of the present invention, the terminal accesses the server and registers ID / PW and / or authorization for the swing / back swing function between the internal ledgers of the composite account through the addition / deletion of the additional service ledger 975. It is preferable to perform non-face-to-face authentication for the swing / reverse swing function between the internal ledgers of the composite account through the addition / deletion of the additional service ledger 975 through a certificate (or another certificate).

If non-face-to-face authentication for the swing / reverse swing function between the internal ledgers of the composite account through the addition / deletion of the additional service ledger 975 is confirmed (1005), the terminal adds the additional service ledger 975 to the server. Request a web page for the swing / reverse swing function between the internal ledger of the composite account by deleting (1010), and correspondingly, the server inputs (or selects) the swing / reverse swing setting information Generating (or extracting) one or more web pages including a swing setting interface (1015), and transmitting one or more web pages including one or more swing / reverse swing setting interfaces to the terminal according to a preset web page providing procedure. Outputting (1020), and correspondingly, the terminal transmits the at least one swing / reverse swing setting interface included in the at least one web page. The swing / reverse swing setting information is input (or selected) (1025).

If the swing / reverse swing setting information is input (or selected) through the swing / reverse swing setting interface (1030), the terminal sets the swing / reverse swing input (or selected) to the server through a communication channel. Information is transmitted (1035), and in response, the server receives the swing / reverse swing setting information through the communication channel, and then adds / deletes the additional service ledger 975 through the swing / reverse swing setting information. Check the validity of the swing / reverse swing function between the internal ledger of the compound account through (1040).

According to the exemplary embodiment of the present invention, when the swing / reverse swing setting information is encrypted according to an encryption / decryption method, the server decrypts the swing / reverse swing setting information according to the encryption / decryption method, thereby performing the swing / reverse swing setting information. It is preferable to check whether the reverse swing setting information satisfies the validity for the swing / reverse swing function between the internal ledgers of the composite account through the addition / deletion of the additional service ledger 975.

Or, if the electronic signature is attached to the swing / reverse swing setting information, the server checks the electronic signature attached to the swing / reverse swing setting information, the swing / reverse swing setting information is the additional service ledger 975 It is advisable to check the effectiveness of the swing / reverse swing function between the internal ledgers of the compound account through addition / deletion.

Those skilled in the art to which the present invention pertains check the technical characteristics of various decryption methods for decrypting the encrypted swing / backswing setting information and the electronic signature attached to the swing / backswing setting information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the non-face-to-face transaction validity check through the swing / reverse swing setting information may be performed by registering one or more ledgers matching the swing / reverse swing setting information in a ledger system linked to the multi-account management system. It is preferable to include checking whether it is done.

For example, the non-face-to-face transaction validity check using the swing / reverse swing setting information may include: a multi-account ledger 990 (or a ledger system) on a ledger system in which account information included in the swing / reverse swing setting information is associated with the multi-account management system; It is desirable to include whether the match with any of the required ledger, reserve ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger in the multi-account ledger 990) When the ledger matching the swing / reverse swing setting information is registered in the ledger system, the swing / reverse swing setting information is changed between the internal ledgers of the compound account through the addition / deletion of the additional service ledger 975. It is desirable to verify that the validity for the reverse swing function is satisfied.

When non-face-to-face authentication information is included in the swing / reverse swing setting information according to an embodiment of the present invention, non-face-to-face transaction validity verification through the swing / reverse swing setting information further includes authenticating the non-face-to-face authentication information. It is preferable to make it.

If the validity of the swing / reverse swing function between the internal ledgers of the composite account through the addition / deletion of the additional service ledger 975 is not authenticated (1045), the server generates non-face-to-face transaction error information and transmits it to the terminal ( 1050).

On the other hand, if the validity of the swing / reverse swing function between the internal ledgers of the composite account through the addition / deletion of the additional service ledger 975 (1045), the server swings based on the confirmed swing / reverse swing setting information Add / delete or reset / modify the reverse swing supplementary service ledger 975.

11 is a diagram illustrating a process of adding or resetting / modifying a swing / reverse swing additional service ledger 975 for providing a swing / reverse swing function between internal ledgers of a composite account according to an embodiment of the present invention.

In more detail, in FIG. 11, the swing / reverse swing setting information is received from the client terminal 995 through the process illustrated in FIG. 10, or the swing / reverse is performed according to an internal policy in the non-face-to-face transaction server 900. When the swing setting information is confirmed, the non-face-to-face transaction server 900 illustrated in FIG. 9 provides a composite account ledger corresponding to the non-face-to-face transaction composite account to provide a swing / reverse swing function between the internal ledgers of the composite account. 990) to add the swing / reverse swing additional service ledger 975 corresponding to the swing / reverse swing setting information to the customer ledger 993, or added to the composite account ledger 990 to the customer ledger 993 It shows the process of resetting / modifying the swing / reverse swing supplementary service ledger 975 information, if the person skilled in the art to which the present invention pertains, reference and / or modified Various implementation methods (e.g., some steps are omitted or changed in order) of the addition / reset / modification of the swing / reverse swing supplementary ledger 975 to provide the swing / reverse swing function between the internal ledgers of the combined account Implementation method) may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the non-face-to-face transaction server 900 on the multi-account management system shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 11, swing / reverse swing setting information is received from a client terminal 995 through the process illustrated in FIG. 10, or the swing / reverse swing is performed according to an internal policy in the non-face-to-face transaction server 900. When the setting information is confirmed, the server reads the swing / reverse swing setting information and provides a compound account ledger 990 corresponding to the non-face-to-face transaction composite account to provide a swing / reverse swing function between the internal ledgers of the compound account. Or a swing / reverse swing additional service ledger 975 corresponding to the swing / reverse swing setting information to the customer ledger 993 or a swing previously added to the composite account ledger 990 to the customer ledger 993. Check whether the reverse swing supplementary service ledger 975 information is reset / modified (1100).

According to an embodiment of the present invention, the server is connected to the ledger system swings between the internal ledger of the composite account in the composite account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face composite account Check whether the swing / reverse swing additional service ledger 975 is added to provide a reverse swing function, and the check result of the swing / reverse swing additional service ledger in the multi-account ledger 990 to the customer ledger 993 If 975 is not already added, the swing / reverse swing additional service ledger 975 to the compound account ledger 990 to the customer ledger 993 to provide a swing / reverse swing function between the internal ledgers of the compound account. It is preferable to confirm by adding).

According to another embodiment of the present invention, a swing / swing for providing a swing / reverse swing function between the internal ledgers of the composite account to the composite account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face composite account. When it is confirmed that the reverse swing supplementary service ledger 975 is already added, the server may provide the multiple account ledger 990 to the customer ledger 993 to provide a swing / reverse swing function between the internal ledgers of the composite account. Delete the swing / backswing supplementary service ledger 975 from or reset some (or all) of the swing / backswing supplementary service ledger 975 stored in the swing / backswing supplementary service ledger 975 It is advisable to check if it is corrected.

If it is confirmed that the swing / backswing supplementary service ledger 975 is added (or reset / modified) (1105), the server may select one of information items included in the swing / backswing supplementary service ledger 975. In operation 1110, information about an additional (or reset / modified) target swing / reverse swing additional service ledger 975 including one or more additional (or reset / modified) target information items corresponding to the swing / reverse swing setting information is generated. ).

If only the reset / modification of the swing / reverse swing supplementary service ledger 975 information is confirmed (1115), the server is connected to the multi-account ledger 990 to the customer ledger 993 in association with the ledger system. Among the one or more additional service ledgers 975 previously added, the reset / modified target swing / reverse swing additional service ledger 975 is checked (1120).

If at least one reset / modification target swing / reverse swing supplementary ledger 975 is identified (1125), the server is associated with the ledger system to determine the reset / modification target swing / reverse swing supplementary ledger 975 information. A part (or all) is updated and stored through the swing / reverse swing supplementary service ledger 975 information (1130), and the swing / reverse swing supplementary service ledger 975 information is reset / modified in association with the ledger system. The corresponding additional service ledger 975 generates log information and processes it to be stored in the additional service log D / B provided in the ledger system (1135).

If it is confirmed that the swing / backswing supplementary service ledger 975 is newly added without resetting / modifying the information of the swing / backswing supplementary service ledger 975 (1115), the server is on the ledger system. The new addition target swing / station to be added to the multi-account ledger 990 to the customer ledger 993 in response to the swing / reverse swing additional service ledger 975 information generated by the additional service ledger information generation unit 935. The swing supplementary service ledger 975 is generated (1140).

If an additional target swing / reverse swing supplementary service ledger 975 corresponding to the swing / reverse swing supplementary service ledger 975 information is generated in the ledger system (1145), the server is connected to the ledger system. The generated swing / reverse swing additional service ledger 975 information is stored in the generated swing / reverse swing additional service ledger 975 (1150).

If the swing / reverse swing supplementary service ledger 975 information is stored in the additional target swing / reverse swing supplementary service ledger 975 (1155), the server is linked to the ledger system to the swing / reverse swing supplementary service. The ledger 975 is processed to be added to the composite account ledger 990 to the customer ledger 993 corresponding to the non-face-to-face composite account (1160).

According to an embodiment of the present invention, the server activates one or more additional target additional service ledgers 975 through the additional service management ledger 980 provided in the ledger system, thereby enabling the swing / reverse swing additional service ledger 975 ) Is preferably added to the multiple account ledger 990 to the customer ledger 993.

Subsequently, the server generates additional service ledger 975 log information corresponding to the addition of the swing / reverse swing additional service ledger 975 in association with the ledger system to the additional service log D / B provided in the ledger system. Process it to be stored (1165).

12 is a diagram illustrating a deletion process of a swing / reverse swing additional service ledger 975 for providing a swing / reverse swing function between internal ledgers of a composite account according to an embodiment of the present invention.

More specifically, Figure 12 shows the addition (or resetting / modification) of the swing / reverse swing additional service ledger 975 to provide a swing / reverse swing function between the internal ledgers of the composite account in the process shown in FIG. Otherwise, in the non-face-to-face transaction server 900 shown in FIG. 9, the composite account ledger 990 to the customer corresponding to the non-face-to-face transaction composite account to provide a swing / reverse swing function between the internal ledgers of the composite account. Check the deleted swing / reverse swing supplementary service ledger 975 to be deleted from the ledger 993, and check the identified swing / reverse swing supplementary service ledger 975 to the composite account ledger 990 to the customer ledger 993. As shown in the drawings, a person having ordinary skill in the art to which the present invention pertains may swing and reverse swing between internal ledgers of the composite account by referring to and / or modifying the drawing 12. Various implementation methods (e.g., some steps may be omitted or the order may be changed) may be inferred for the deletion process of the swing / reverse swing supplementary service ledger 975 for providing, but the present invention may be inferred from the above. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

In the following Figure 12, the non-face-to-face transaction server 900 on the multi-account management system shown in Figure 9 is referred to as "server" for convenience.

Referring to FIG. 12, in the process illustrated in FIG. 11, addition (or resetting / modification) of the swing / reverse swing additional service ledger 975 is not confirmed to provide a swing / reverse swing function between the internal ledgers of the composite account. Otherwise, the server is linked to the ledger system of the one or more additional service ledgers 975 previously added to the composite account ledger 990 to the customer ledger 993, the deletion target swing / reverse swing additional service ledger ( 975).

If the deletion target swing / reverse swing supplementary service ledger 975 is confirmed (1205), the server deletes the identified one or more deleted from the multiple account ledger 990 to the customer ledger 993 in association with the ledger system. The target swing / reverse swing supplementary service ledger 975 is deleted (1210), and the supplementary service ledger 975 corresponding to deletion of the swing / reverse swing supplementary service ledger 975 is generated in association with the ledger system. The processing is performed to store the additional service log D / B provided in the ledger system (1215).

FIG. 13 is a diagram illustrating a swing / reverse swing process between multiple account internal ledgers through a swing / reverse swing supplementary service ledger 975 according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a swing / reverse swing additional service ledger 975 added (or reset / modified) through an addition or reset / modification process of the swing / reverse swing additional service ledger 975 shown in FIG. Based on the swing / reverse swing setting information of the swing / reverse swing supplementary ledger 975 information included in the complex account, the requested ledger, accumulated ledger, deferred ledger, reselling ledger, mileage / coupon ledger, and small loan One or more swing / reverse swing of the ledger is a process for processing a swing / reverse swing transaction between the ledgers, if one of ordinary skill in the art to which the present invention belongs, Various implementation methods (e.g., some components are omitted, subdivided, or otherwise) for the swing / backswing process between the multiple account internal ledgers through the swing / backswing supplementary service ledger 975 Combined implementation method), but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the non-face-to-face transaction server 900 on the multi-account management system shown in FIG. 9 is referred to as "server" for convenience.

Referring to FIG. 13, at least one swing / reverse swing target ledger identification information and the swing / reverse swing target ledger are obtained through the addition or reset / modification process of the swing / reverse swing additional service ledger 975 illustrated in FIG. 11. The swing / reverse swing supplementary ledger 975, which includes one or more swing / reverse swing condition information for the ledger information, is a combined account ledger 990 (or a required ledger, reserve ledger, deferred ledger, resold ledger included in the composite account). Once added (or reset / modified) to one or more of the linked ledger, the mileage / coupon ledger, and the microloan ledger, the server is associated with the ledger system and included in the combined account ledger 990 (or a combined account). One or more studs added to (or reset / modified) one or more internal ledgers of the requested ledger, earned ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger / Reverse swing to ensure that additional services Ledger (975), the present (1300).

If it is added (or reset / modified) to the multiple account ledger 990 (or one or more internal ledgers of the required ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account) If one or more swing / reverse swing supplementary ledger 975 is not confirmed (1305), the server checks whether there is a swing / reverse swing setting set in the composite account in connection with the ledger system (1310). When the swing / reverse swing setting set in the compound account is confirmed (1315), the server reads the swing / reverse swing setting in the compound account through the swing / reverse swing transaction between internal ledgers included in the compound account within a predetermined number. If it is determined whether or not (1320), and if the check results the swing / reverse swing transaction between the internal ledgers included in the compound account within the predetermined number (1325), the server The pretreatment for the swing / reverse swing trading between the internal ledger account contained in the composite in the set number through the swing / reverse swing set in the composite account 1330.

If the person of ordinary skill in the art (for example, those who are familiar with the swing / reverse swing transaction procedure between the financial accounts), the server is a swing / reverse swing target ledger through the swing / reverse swing setting Since the process of processing the inter-swing / reverse swing transaction may be inferred, a detailed description of the swing / reverse swing transaction process will be omitted for convenience.

On the other hand, it is added (or reset / modified) to the multiple account ledger 990 (or one or more internal ledgers of the required ledger, credit ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, microloan ledger included in the composite account) If one or more swing / backswing supplementary service ledger 975 is identified (1305), the server adds a swing / backswing included in the identified swing / backswing supplementary service ledger 975 in association with the ledger system. One or more swing / reverse swing target ledgers are identified from the service ledger 975 information (1335).

Here, the swing / reverse swing supplementary service ledger 975, the swing / reverse swing of any one or more of the required ledger, earning ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account It is preferable to include target ledger identification information and swing / reverse swing condition information for each swing / reverse swing target ledger.

According to an embodiment of the present invention, the server reads the additional service ledger 975 log information stored in the additional service log D / B provided in the ledger system and pays a request included in the composite account ledger 990 (or the combined account). It is preferable to check the swing / reverse swing supplementary ledger 975 added to (or reset / modified) the ledger, the reserve ledger, the deferred ledger, the resale linked ledger, the mileage / coupon ledger, or the microloan ledger. .

If one or more swing / reverse swing ledgers are identified (1340), the server is associated with the ledger system one or more swings / reverses per swing / reverse swing ledger corresponding to the identified one or more swing / reverse swing target ledgers. The swing condition information is checked (1345), and the swing / reverse swing target ledger-specific swing / reverse swing conditions of the checked swing / reverse swing additional service ledger 975 are read rather than the swing / reverse swing setting in the composite account. Check whether there is a swing / reverse swing transaction between one or more of the internal ledgers of the required ledger, the reserve ledger, the deferred ledger, the resale linked ledger, the mileage / coupon ledger and the microloan ledger included in the compound account (1350).

If it is confirmed that the swing / reverse swing transaction between at least one of the internal ledgers of the required ledger, earning ledger, deferred ledger, resale linked ledger, mileage / coupon ledger, small loan ledger included in the composite account (1355), The server reads a swing / reverse swing condition for each swing / reverse swing target ledger of the identified swing / reverse swing supplementary ledger 975 rather than the swing / reverse swing setting in the composite account, and includes a non-responsive ledger included in the composite account. It handles swing / reverse swing transactions between one or more internal ledgers, such as credit ledgers, deferred ledgers, resale ledgers, mileage / coupon ledgers, and microloan ledgers (1360).

Those skilled in the art (for example, those who are familiar with swing / backswing transaction procedures between financial accounts), the server is subject to swing / backswing according to one or more swing / backswing conditions. Since a process of processing a swing / back swing transaction between ledgers can be inferred, a detailed description of the swing / back swing transaction process will be omitted for convenience.

According to the present invention, at the time of opening an account, a single account ledger is provided with a compound transaction function including one or more payments required, earning, deferred payment, resale association, mileage / coupon, and small loan, and the interest rate adjustment, tax, Fee adjustment, payment support, billing / receipt, and record information expansion are provided through the additional service ledger, which is detached from the account ledger, minimizing the cost of manufacturing and purchasing the financial system, and providing financial support for new financial transactions. This has the advantage of providing new transactions in a non-face-to-face manner without visiting an institution.

According to the present invention, at the time of opening an account, a single account ledger is provided with a compound transaction function including one or more required payments, earning, deferred payments, resale associations, mileage / coupons, and small loans, and interest rate adjustment, tax, Provide fee adjustments, payment support, billing / receipt, and record information expansion through an additional service ledger that is detached from the account ledger. By adding / removing the swing / reverse swing supplementary ledger for a certain period of time to either / coupon or small loan) It is advantageous to provide a swing / reverse swing transaction between one or more internal ledgers conveniently contained in the account.

Claims (14)

Add / delete to reset / modify one or more additional service ledgers that create a compound account ledger containing one or more attributes / conditions requested by the customer in the ledger system and add one or more preferred attributes / conditions to the compound account ledger. Constituting a ledger detachment structure; One or more swing / reverse swing target ledger identification information for swing / reverse swing between internal accounts corresponding to one or more attributes / conditions included in the compound account, and one or more swing / reverse swing conditions for the swing / reverse swing target ledger. Generating swing / reverse swing additional service ledger information including one or more information; Creating a swing / reverse swing supplementary ledger matching the swing / reverse swing in the ledger system; Storing the swing / reverse swing additional service ledger information in the swing / reverse swing additional service ledger in association with the ledger system; And And adding the swing / reverse swing additional service ledger to the compound account ledger (or the internal ledger for swing / reverse swing included in the compound account) in association with the ledger system. How to provide swing / reverse swing by detaching service ledger. Add / delete to reset / modify one or more additional service ledgers that create a compound account ledger containing one or more attributes / conditions requested by the customer in the ledger system and add one or more preferred attributes / conditions to the compound account ledger. Constituting a ledger detachment structure; One or more swing / reverse swing target ledger identification information for swing / reverse swing between internal accounts corresponding to one or more attributes / conditions included in the compound account, and one or more swing / reverse swing conditions for the swing / reverse swing target ledger. Generating swing / reverse swing additional service ledger information including one or more information; The swing / reverse swing additional service ledger information is reset / reset among one or more additional service ledgers previously added to the compound account ledger (or the internal ledger to which swing / reverse swing is included in the compound account) in association with the ledger system. Checking whether a swing / reverse swing additional service ledger to be modified is added to the compound account ledger (or an internal ledger for providing swing / reverse swing included in the compound account); And And resetting / modifying the supplementary service ledger information in the identified supplementary service ledger in association with the ledger system. The method according to claim 1 or 2, Identifying a swing / reverse swing additional service ledger added to the compound account ledger (or a sub-director within a swing / reverse swing provision target included in the composite account); Identifying the swing / reverse swing target ledger matching the swing / reverse swing condition from the swing / reverse swing supplementary ledger when the swing / reverse swing supplementary ledger is checked; And Swinging through the additional service ledger detachment and detachment, characterized in that it further comprises; processing the swing / reverse swing between the internal accounts of the composite account corresponding to the swing / reverse swing target ledger according to the swing / reverse swing conditions How to provide reverse swing. The method according to claim 1 or 2, Identifying a swing / reverse swing additional service ledger and at least one additional service ledger added to the compound account ledger (or an internal ledger to which swing / reverse swing is included in the composite account); Upon checking the swing / reverse swing supplementary service ledger and one or more supplementary service ledgers, check the swing / reverse swing condition information from the swing / reverse swing supplementary service ledger, and at least one supplementary service ledger corresponding to the swing / reverse swing condition. Identifying the added (or reset / modified) swing / reverse swing target ledger; And Swinging through the additional service ledger detachment and detachment, characterized in that it further comprises; processing the swing / reverse swing between the internal accounts of the composite account corresponding to the swing / reverse swing target ledger according to the swing / reverse swing conditions How to provide reverse swing. The method according to claim 1 or 2, Process to manage the swing / reverse swing between internal accounts included in the composite account by storing additional service ledger log information corresponding to the addition / deletion, resetting / modification of the swing / reverse swing supplementary service ledger in the composite account ledger. Swing / reverse swing providing method through the additional service ledger detachment detached, characterized in that further comprising the step of. The method of claim 4, wherein the ledger for additional services, Record the ledger information for adding interest rate adjustment additional service, tax additional service, fee adjustment additional service, payment support additional service, billing / receipt additional service, and record information extension additional service to one or more internal ledgers included in the compound account. Swing / reverse swing providing method through the additional service ledger detachment, characterized in that the addition to the internal ledger. The method of claim 1 or 2, wherein the compound account ledger, Additional service ledgers detachable comprising the at least one ledger, deferred ledger, earned ledger, resale linked ledger, mileage / coupon ledger, small loan ledger corresponding to one or more attributes / conditions through the composite account How to provide swing / reverse swing through According to claim 1 or 2, wherein the swing / reverse swing condition information, Include at least one swing / backswing threshold amount information and one swing / backswing date / time information. Additional service condition information that is added / deleted or reset / modified to the ledger to process the swing / reverse swing among one or more swing / reverse swing target ledgers included in the swing / reverse swing target ledger identification information Information, fee adjustment condition information, payment support condition information, billing / storage condition information, record information extended conditions-further comprising a swing / reverse swing providing method through the removal of the ledger. A computer-readable recording medium recording a program for executing the method of any one of claims 1 to 5. Add / delete to reset / modify one or more additional service ledgers that create a compound account ledger containing one or more attributes / conditions requested by the customer in the ledger system and add one or more preferred attributes / conditions to the compound account ledger. Ledger generating means for constituting a ledger detachable structure; One or more swing / reverse swing target ledger identification information for swing / reverse swing between internal accounts corresponding to one or more attributes / conditions included in the compound account, and one or more swing / reverse swing conditions for the swing / reverse swing target ledger. Additional service ledger information generating means for generating swing / reverse swing additional service ledger information including one or more information; Supplementary service ledger generating means for generating a swing / reverse swing supplementary service ledger that matches the swing / reverse swing in the ledger system; Additional service storage means for storing the swing / reverse swing additional service ledger information in the swing / reverse swing additional service ledger in association with the ledger system; And And an additional service ledger addition / deletion means for adding the swing / reverse swing additional service ledger to the compound account ledger (or an internal ledger for providing swing / reverse swing included in the composite account) in association with the ledger system. Swing / reverse swing providing system through the removal and removal of the ledger service. Add / delete to reset / modify one or more additional service ledgers that create a compound account ledger containing one or more attributes / conditions requested by the customer in the ledger system and add one or more preferred attributes / conditions to the compound account ledger. Ledger generating means for constituting a ledger detachable structure; One or more swing / reverse swing target ledger identification information for swing / reverse swing between internal accounts corresponding to one or more attributes / conditions included in the compound account, and one or more swing / reverse swing conditions for the swing / reverse swing target ledger. Additional service ledger information generating means for generating swing / reverse swing additional service ledger information including one or more information; The swing / reverse swing additional service ledger information is reset / reset among one or more additional service ledgers previously added to the compound account ledger (or the internal ledger to which swing / reverse swing is included in the compound account) in association with the ledger system. Supplementary service ledger checking means for confirming whether a swing / reverse swing supplementary service ledger to be modified is added to the composite account ledger (or a swing / reverse swing provision target internal ledger included in the composite account); And And additional service storage means for resetting / modifying the additional service ledger information in the identified additional service ledger in association with the ledger system. The method according to claim 10 or 11, wherein Supplementary service ledger checking means for confirming a swing / reverse swing supplementary service ledger added to the compound account ledger (or an internal ledger provided for swing / reverse swing included in the compound account); Swing / reverse swing confirmation means for confirming a swing / reverse swing target ledger matching the swing / reverse swing condition from the swing / reverse swing additional service ledger when checking the swing / reverse swing additional service ledger; And Additional service ledger further comprises a; swing / reverse swing processing means for processing the swing / reverse swing between the internal accounts of the composite account corresponding to the swing / reverse swing target ledger according to the swing / reverse swing conditions Swing / reverse swing providing system through release. The method according to claim 10 or 11, wherein Supplementary service ledger checking means for confirming a swing / reverse swing supplementary service ledger and at least one supplementary service ledger added to the composite account ledger (or an internal ledger for which swing / reverse swing is included in the composite account); Upon checking the swing / reverse swing supplementary service ledger and one or more supplementary service ledgers, check the swing / reverse swing condition information from the swing / reverse swing supplementary service ledger, and at least one supplementary service ledger corresponding to the swing / reverse swing condition. Swing / reverse swing confirming means for confirming this added (or reset / modified) swing / reverse swing target ledger; And Additional service ledger further comprises a; swing / reverse swing processing means for processing the swing / reverse swing between the internal accounts of the composite account corresponding to the swing / reverse swing target ledger according to the swing / reverse swing conditions Swing / reverse swing providing system through release. The method according to claim 10 or 11, wherein Process to manage the swing / reverse swing between internal accounts included in the composite account by storing additional service ledger log information corresponding to the addition / deletion, resetting / modification of the swing / reverse swing supplementary service ledger in the composite account ledger. Swing / reverse swing providing system through the detachment of the additional service ledger, characterized in that further comprises a log information storage means.

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