KR20100054003A - System and method for approving cash withdrawal without financial mass and program recording medium - Google Patents

System and method for approving cash withdrawal without financial mass and program recording medium Download PDF

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Publication number
KR20100054003A
KR20100054003A KR1020080112914A KR20080112914A KR20100054003A KR 20100054003 A KR20100054003 A KR 20100054003A KR 1020080112914 A KR1020080112914 A KR 1020080112914A KR 20080112914 A KR20080112914 A KR 20080112914A KR 20100054003 A KR20100054003 A KR 20100054003A
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South Korea
Prior art keywords
information
customer
withdrawal
terminal
amount
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KR1020080112914A
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Korean (ko)
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김석원
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주식회사 신한은행
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Priority to KR1020080112914A priority Critical patent/KR20100054003A/en
Publication of KR20100054003A publication Critical patent/KR20100054003A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0269—Targeted advertisements based on user profile or attribute
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A non-medium cash withdrawal approving method and a program recording medium for reducing loss of a card are provided to withdraw cash regardless of a time and a place through ATM without a passbook and the card. CONSTITUTION: An information processing server comprises as follows. An information receiving unit(1205) receives designated money withdrawal service request information. An information confirming unit(1210) compares a payment account number, a defrayment password and investment amount with the appointment amount withdrawal service application information. An approval processing unit(1215) recognizes the comparison result.

Description

System and Method for Approving Cash Withdrawal without Financial Mass and Program Recording Medium}

1 is a diagram illustrating a face-to-face information registration system for a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a designated amount withdrawal service application information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a designated amount withdrawal service application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a designated amount withdrawal service using a terminal device according to another embodiment of the present invention. Figure is shown.

FIG. 4 is a diagram illustrating a designated amount withdrawal service application information stored in a DBMS provided in a banking server in a face-to-face manner for a designated amount withdrawal service using a terminal device according to another embodiment of the present invention.

5 is a diagram illustrating a process of registering the designated amount withdrawal service application information in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face information registration system for a designated amount withdrawal service using a terminal device according to another embodiment of the present invention.

7 is a view showing the configuration of the designated amount withdrawal service application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the designated amount withdrawal service using the terminal device according to an embodiment of the present invention .

8 is a diagram illustrating a designated amount withdrawal service application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a designated amount withdrawal service using a terminal device according to another embodiment of the present invention; Figure is a diagram.

9 is a diagram illustrating a designated amount withdrawal service application information stored in the DBMS provided in the banking server in a non-face-to-face manner for the designated amount withdrawal service using the terminal device according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering the designated amount withdrawal service application information in a non-face-to-face manner for a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

11A and 11B illustrate a process of registering the designated amount withdrawal service application information in a non-face-to-face manner for a designated amount withdrawal service using a terminal device according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a system for providing a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

13 is a diagram illustrating a process of receiving a designated amount withdrawal service through a terminal device (CD / ATM) according to an embodiment of the present invention.

<Description of main parts of drawing>

100, 600: information registration server 1200: information processing server

1205: information receiving unit 1210: information checking unit

1215: approval processing unit 1220: financial processing unit

1225: information receiver

The present invention comprises the steps of receiving the first customer account information, the withdrawal password specified by the first customer (disposable) and the withdrawal amount information specified by the first customer from the first customer (or the amount providing customer) terminal, and storing in the storage medium; First customer account information specified by the first customer entered by the second customer (or withdrawal customer) from the CD / ATM, withdrawal password specified by the first customer (disposable) and withdrawal amount specified by the first customer Receiving the information, input (or selection) information of the second customer received from the CD / ATM, account information of the first customer stored in the storage medium, withdrawal password designated by the first customer (disposable), and 1) comparing the withdrawal amount information designated by the customer to determine whether cash withdrawal is possible; and withdrawing the withdrawal approval information to enable the withdrawal of the withdrawal amount designated by the first customer according to the determination result. Comprising the steps of providing free media relates to cash out approved methods.

With the development of information technology, customers are constantly demanding more convenient financial services. For example, in order to withdraw cash through CD / ATM, customers must bring a card or bankbook (or a cell phone with a chip). ) If you do not bring your card or bankbook by mistake, you may not be able to withdraw cash.

In addition, in order for a customer to provide a certain amount to another customer, the customer must withdraw the amount that he / she would like to provide through another customer's account so that the other customer can withdraw the amount transferred via CD / ATM. In this case, there is a problem of a fee problem and a cumbersome transfer procedure.

An object of the present invention for solving the above problems is to receive the first customer account information, the withdrawal password specified by the first customer (disposable) and the withdrawal amount information specified by the first customer from the first customer (or the amount providing customer) terminal Means for storing on a storage medium, first customer account information specified by the first customer entered (or selected) by a second customer (or withdrawal customer) received from the CD / ATM, and a withdrawal password designated by the first customer ( One-time) and the withdrawal amount information designated by the first customer, the withdrawal password (disposable) designated by the first customer and the withdrawal amount information designated by the first customer and the withdrawal amount information designated by the first customer It provides a medium-free cash withdrawal approval system comprising a means for determining whether it is possible, and providing the withdrawal approval information to the CD / ATM so that the withdrawal amount specified by the first customer can be withdrawn. It is.

In the mediumless cash withdrawal approval method according to the present invention, the first customer (or the amount providing customer) terminal provides the first customer account information, the withdrawal password specified by the first customer (disposable) and the withdrawal amount information specified by the first customer Receiving and storing in the storage medium, the first customer account information specified by the first customer input (or selected) by the second customer (or withdrawal customer) from the CD / ATM and the withdrawal password specified by the first customer (one-time use) And receiving withdrawal amount information designated by the first customer, input (or selection) information of the second customer received from the CD / ATM, account information of the first customer stored in the storage medium and the first customer. Comparing the designated withdrawal password (one-time use) and the withdrawal amount information designated by the first customer to determine whether cash withdrawal is possible and withdrawal of the withdrawal amount designated by the first customer is possible according to the determination result; A take-lock authorization information is characterized in that comprises the step of providing as the CD / ATM.

The method may further include providing a withdrawal fact of the second customer to the first customer communication means when the designated amount of the second customer is withdrawn through the CD / ATM.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-mentioned medium-free cash withdrawal approval method.

The mediumless cash withdrawal approval system according to the present invention provides the first customer account information, the withdrawal password designated by the first customer (disposable) and the withdrawal amount information specified by the first customer from the first customer (or the amount providing customer) terminal. Means for receiving and storing in a storage medium; first customer account information designated by the first customer inputted by (or selected by) a second customer (or a withdrawal customer) received from a CD / ATM, and a withdrawal password designated by the first customer; (Disposable) and the withdrawal amount information specified by the first customer, the account information of the first customer stored in the storage medium, the withdrawal password designated by the first customer (disposable) and the withdrawal amount information designated by the first customer, It is determined whether the withdrawal, characterized in that it comprises a means for providing the withdrawal approval information to the CD / ATM so that withdrawal of the withdrawal amount specified by the first customer.

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

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

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional component provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the 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 face-to-face information registration system for a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

In more detail, in FIG. 1, a portion of a deposit amount (designated amount) deposited by a customer with a predetermined withdrawable account is withdrawn from a terminal device through another customer (for example, a customer using a withdrawal service through the terminal device). In order to be able to do so, a designated amount including at least one or more customer information, customer account information, withdrawal authentication information, withdrawal amount information for the designated amount withdrawal service using the terminal device to the information registration system through a predetermined information registration interface When the withdrawal service application information is provided, the predetermined information storage system 130 is processed by linking the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the provided designated amount withdrawal service application information in the information registration system. As a system configuration for storing in the, having a common knowledge in the art If one grows up, various implementation methods for the configuration of an information registration system for a designated amount withdrawal service using a terminal device can be inferred by referring to or modifying the drawing 1, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function for storing the designated amount withdrawal service application information provided from the withdrawal account holder customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The component corresponding to the configuration is called "information registration server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for a designated amount withdrawal service using the terminal device includes an information registration terminal including a teller terminal provided at at least one financial institution branch. Characterized in that, the information registration terminal is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for a designated amount withdrawal service using the terminal apparatus, and the terminal apparatus through a window (or a teller employee) provided at the financial institution branch. Prepare a predetermined application for the designated amount withdrawal service using a document (for example, a document having a form for filling in at least one information item for the designated amount withdrawal service using a terminal device), and send the completed application to the counter employee. Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal transmits the input (or selected) information to the information registration system via the financial network. It is preferable to transmit to the information registration server 100 provided in.

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

In the information registration system as described above, the application prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 100 are used by the customer. It performs a function of an information registration interface for registering the designated amount withdrawal service application information for the designated amount withdrawal service.

The storage medium 130 provided on the information registration system according to the present invention includes the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the designated amount withdrawal service application information provided from the information registration terminal. Characterized in that stored in the predetermined storage medium 130 by linking, and the predetermined amount of money containing at least one of the customer information, customer account information, withdrawal authentication information, withdrawal amount information stored in the storage medium 130 Withdrawal service application information is used for the designated amount withdrawal service using the terminal device.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, CD machine, ATM, teller terminal) characterized in that withdraw the specific amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

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

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

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

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

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

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

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface provider 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) a predetermined designated amount withdrawal service application information from the information registration terminal and providing the information registration terminal to the information registration terminal; And an information receiving unit 115 for receiving a predetermined designated amount withdrawal service request information transmitted from the information registration terminal through the user interface in connection with the interface unit 105 and the received designation. Validation unit 120 for checking the validity of the amount of money withdrawal service application information, and the information contained in the designated amount withdrawal service application information is confirmed Group and the customer information, wherein the associated processing customer account information, withdrawal authentication information, information which includes withdrawal amount W and an information storage unit 125 to store in a storage medium 130.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) a designated amount withdrawal service application information and transmit it to the information registration server 100 through the financial network, or extract it from a predetermined database (not shown), The user interface generated by the interworking with the interface unit 105 may be provided to the information registration terminal through the financial network.

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

Thereafter, the information registration terminal inputs (or selects) the designated amount withdrawal service application information including at least one of the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information based on the user interface. The input (or selected) designated amount withdrawal service application information is transmitted to the information registration server 100 through the financial network.

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

The information receiving unit 115 inputs (or selects) the designated amount withdrawal service application information including at least one of customer information, customer account information, withdrawal authentication information, and withdrawal amount information through the user interface in the information registration terminal. When transmitting through the financial network, in conjunction with the interface unit 105 receives the specified amount withdrawal service application information, and the received designated amount withdrawal service application information to the validity confirmation unit 120 to provide.

The validity confirming unit 120 checks whether the designated amount withdrawal service application information received from the information registration terminal satisfies the validity for the designated amount withdrawal service using the terminal device.

According to the method of the present invention, the validity check of the designated amount withdrawal service application information is at least one or more ledger information matching the designated amount withdrawal service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validity check of the designated amount withdrawal service application information confirms whether the customer information included in the designated amount withdrawal service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validity of the designated amount withdrawal service application information is checked whether the customer account information included in the designated amount withdrawal service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

In addition, the validity of the designated amount withdrawal service application information is the amount of money withdrawn in the account corresponding to the customer account information included in the designated amount withdrawal service application information withdrawal amount information contained in the designated amount withdrawal service application information It is preferable that the check is made to include.

When the validity of the designated amount withdrawal service application information is confirmed, the information storage unit 125 processes the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the designated amount withdrawal service application information The storage medium 130 is characterized in that, when the storage medium 130 is provided in the information registration server 100, or provided on the network associated with the information registration server 100, The information storage unit 125 preferably processes the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the received designated amount withdrawal service application information, and stores the information in the storage medium 130. When the storage medium 130 is provided in a DBMS provided on a financial system, the information storage unit 125 includes customer information and customer account information included in the received designated amount withdrawal service application information. It is preferable that the withdrawal authentication information and withdrawal amount information are provided to the information system through the external system on the financial system and stored in the DBMS provided on the financial system.

FIG. 2 is a diagram illustrating a designated amount withdrawal service application information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

In more detail, in FIG. 2, when the storage medium 130 shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the customer information and the customer account are included in the ledger information provided in the ledger D / B. Figure 1 shows the configuration of information on an implementation method in which a designated amount withdrawal service application information including information, withdrawal authentication information, and withdrawal amount information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to or modifying 2, various information construction methods for storing the designated amount withdrawal service application information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods. It is not limited only to the implementation method shown.

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

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

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

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

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

Referring to FIG. 2, the designated amount withdrawal service application information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one of customer information, customer account information, withdrawal authentication information, withdrawal amount information.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, CD machine, ATM, teller terminal) characterized in that withdraw the specific amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

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

Figure 3 is a configuration for applying the designated amount withdrawal service stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face for the specified amount withdrawal service using the terminal device according to another embodiment of the present invention Figure is shown.

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

In particular, in FIG. 3, it is not easy to store the designated amount withdrawal service application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of the financial institution, the ledger D of the DBMS). / B is not easy to change or system expansion is not easy due to the nature of the financial system), and the designated amount withdrawal service application information is stored in a predetermined database instead of the ledger D / B, and the database and the The implementation method of linking and storing ledger D / B is shown.

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

Referring to FIG. 3, the database stores and stores the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the designated amount withdrawal service application information. Preferably, the information further includes a CIF number corresponding to the ledger information in the designated amount withdrawal service application information to be linked to the ledger D / B.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, CD machine, ATM, teller terminal) characterized in that withdraw the specific amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

4 is a diagram illustrating a designated amount withdrawal service application information stored in the DBMS provided in the banking server in a face-to-face manner for the designated amount withdrawal service using the terminal device according to another embodiment of the present invention.

In more detail, FIG. 4 shows that the storage medium 130 shown in FIG. 1 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in a DBMS, those skilled in the art to which the present invention pertains, the designation is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 4 It will be possible to infer the information configuration method for the amount of money withdrawal service application information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server stores and stores the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the designated withdrawal service application information. do.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, CD machine, ATM, teller terminal) characterized in that withdraw the specific amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

FIG. 5 is a diagram illustrating a process of registering the designated amount withdrawal service application information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 shows a case where the information registration server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the window terminal is connected to the information registration server 100 to connect the communication channel for information registration according to the present invention, the customer information, the customer account to the information registration server 100 through the communication channel When the designated amount withdrawal service application information including information, withdrawal authentication information, and withdrawal amount information is transmitted, the customer information, the customer account information, included in the received designated amount withdrawal service application information from the information registration server 100, As an implementation method for linking withdrawal authentication information and withdrawal amount information and storing the withdrawal authentication information in a predetermined storage medium 130, a general knowledge in the technical field to which the present invention pertains is applied. In this case, various implementation methods of registering the designated amount withdrawal service application information with the information registration server 100 can be inferred by referring to or modifying the drawing 5, but the present invention can be inferred from all the inferences. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The customer information, customer account information, withdrawal authentication information, and withdrawal amount information transmitted to the server 100 are referred to as "designated amount withdrawal service application information" for convenience.

Referring to FIG. 5, a window terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the designated amount withdrawal service application information, and uses the terminal device. When requesting registration of the designated amount withdrawal service application information for the designated amount withdrawal service (500), the server generates (or extracts) a predetermined information registration interface for registering the designated amount withdrawal service application information (505). In operation 510, the generated (or extracted) information registration interface is transmitted to the terminal through the communication channel.

According to an embodiment of the present invention, the information registration interface inputs (or selects) the designated amount withdrawal service application information including at least one of the customer information, customer account information, withdrawal authentication information, and withdrawal amount information from the terminal. It is preferred to include a user interface.

Thereafter, the terminal inputs (or selects) the designated amount withdrawal service application information including at least one or more customer information, customer account information, withdrawal authentication information, and withdrawal amount information through the information registration interface (515).

If the terminal inputs (or selects) the designated amount withdrawal service application information including the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information through the information registration interface (520), the terminal receives the financial information. The designated amount withdrawal service application information including the input (or selected) customer information, customer account information, withdrawal authentication information, and withdrawal amount information is transmitted to the server through the network (525).

Thereafter, the server receives and reads the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information through the financial network to confirm the validity of the designated withdrawal service application information (530).

According to the method of the present invention, the validity of the designated amount withdrawal service application information is at least one or more ledger information matching the designated amount withdrawal service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validity check of the designated amount withdrawal service application information confirms whether the customer information included in the designated amount withdrawal service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validity of the designated amount withdrawal service application information is checked whether the customer account information included in the designated amount withdrawal service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

In addition, the validity of the designated amount withdrawal service application information is the amount of money withdrawn in the account corresponding to the customer account information included in the designated amount withdrawal service application information withdrawal amount information contained in the designated amount withdrawal service application information It is preferable that the check is made to include.

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

On the other hand, if the validity of the designated amount withdrawal service application information is authenticated (535), the server performs the information registration procedure corresponding to the designated amount withdrawal service application information, the customer information, customer account information, withdrawal authentication information, The withdrawal amount information is cooperatively stored and stored in the predetermined storage medium 130 (545).

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

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

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

6 is a diagram illustrating a non-face-to-face information registration system for a designated amount withdrawal service using a terminal device according to another embodiment of the present invention.

In more detail, in FIG. 6, a portion of a deposit amount (designated amount) deposited by a customer with a predetermined withdrawable account is withdrawn from the terminal device through another customer (for example, a customer using a withdrawal service through the terminal device). In order to be able to do so, a predetermined amount of money including at least one or more customer information, customer account information, withdrawal authentication information, withdrawal amount information for the designated amount withdrawal service using the terminal device to the information registration system through a predetermined information registration interface If the withdrawal service application information is provided, the predetermined information is stored in the information registration system by linking and processing the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the provided designated withdrawal service application information. As a system configuration for storing in), having a common knowledge in the art If it grows up, various implementation methods for the information registration system configuration for the designated amount withdrawal service using the terminal apparatus can be inferred by referring to or modifying the present invention, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function for storing the designated amount withdrawal service application information provided from the withdrawal account holder customer on the storage medium 630 through a predetermined information registration interface on the information registration system shown in FIG. Components corresponding to the configuration are referred to as "information registration server 600" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, an information registration system for a designated amount withdrawal service using the terminal device includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. And an information registration terminal including the information registration terminal, wherein the information registration terminal is connected to the information registration server 600 provided on the information registration system through a predetermined network means.

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

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

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

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

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

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

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

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

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

In the above information registration system, when the information registration terminal is the financial automatic device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the information registration server 600. The financial network that connects to the customer performs a function of an information registration interface for registering the designated amount withdrawal service application information for the designated amount withdrawal service using the terminal device, or the information registration terminal is the call terminal (shown) Omit), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 600 to provide a designated amount withdrawal service using the terminal device. To perform the function of the information registration interface for registering the designated amount withdrawal service application information, or the information registration terminal In the case of a terminal (or server) (not shown) provided in an institution affiliated with an existing financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 600 Network) performs a function of an information registration interface for the customer to register the designated amount withdrawal service application information for the designated amount withdrawal service using the terminal device.

The storage medium 630 provided on the information registration system according to the present invention includes the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the designated amount withdrawal service application information provided from the information registration terminal. A predetermined amount of money including at least one of the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information stored in the storage medium 630. Withdrawal service application information is used for the designated amount withdrawal service using the terminal device.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, CD machine, ATM, teller terminal) characterized in that withdraw the specific amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

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

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

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

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

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

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

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

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

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

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

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

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

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

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 600, the interface unit 605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 605 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program included in the automated teller machine and connecting a predetermined communication channel.

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

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

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

Referring to FIG. 6, the information registration server 600 connects a communication channel with the information registration server 600 through the interface unit 605 after the predetermined information registration terminal is connected to the interface unit 605. An interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) a predetermined designated amount withdrawal service application information from the information registration terminal and providing the information registration terminal to the information registration terminal; And an information receiving unit 615 for receiving a predetermined designated amount withdrawal service request information transmitted from the information registration terminal through the user interface in connection with the interface unit 605 and the received designation. The customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information included in the withdrawal service application information are processed in association with the predetermined amount of the storage medium 630. The information includes a storage unit 625, which is characterized in that formed.

The interface providing unit 610 connects a communication channel with the information registration server 600 through the interface unit 605 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) a designated amount of money withdrawal service application information and transmitting it to the information registration server 600 through the network means, or extracting from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 605 may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) the designated amount withdrawal service application information including at least one of the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information based on the user interface. (Or select) the designated amount of money withdrawal service application information is transmitted to the information registration server 600 through the financial network.

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

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

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

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

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

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

The information receiving unit 615 inputs (or selects) the designated amount withdrawal service application information including at least one of customer information, customer account information, withdrawal authentication information, and withdrawal amount information through the user interface in the information registration terminal. When transmitting through the network means, the specified amount withdrawal service application information is received in conjunction with the interface unit 605, and the received designated amount withdrawal service application information to the validity confirmation unit 620 to provide.

The validity confirming unit 620 may be configured to check whether the designated amount withdrawal service application information received from the information registration terminal satisfies the validity for the designated amount withdrawal service using the terminal device.

According to the method of the present invention, the validity check of the designated amount withdrawal service application information is at least one or more ledger information matching the designated amount withdrawal service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validity check of the designated amount withdrawal service application information confirms whether the customer information included in the designated amount withdrawal service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validity of the designated amount withdrawal service application information is checked whether the customer account information included in the designated amount withdrawal service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

In addition, the validity of the designated amount withdrawal service application information is the amount of money withdrawn in the account corresponding to the customer account information included in the designated amount withdrawal service application information withdrawal amount information contained in the designated amount withdrawal service application information It is preferable that the check is made to include.

When the validity of the designated amount withdrawal service application information is confirmed, the information storage unit 625 processes the customer information, customer account information, withdrawal authentication information, withdrawal amount information included in the designated amount withdrawal service application information The storage medium 630, and when the storage medium 630 is provided in the information registration server 600, or provided on the network associated with the information registration server 600, The information storage unit 625 is preferably stored in the storage medium 630 by processing the customer information, customer account information, withdrawal authentication information, withdrawal amount information included in the received designated amount withdrawal service application information, When the storage medium 630 is provided in a DBMS provided on a financial system, the information storage unit 625 may include customer information and customer account included in the received designated amount withdrawal service application information. , By providing a withdrawal authorization information, information to step withdrawal amount information via the FEP system on the financial system is preferably stored in a DBMS provided on the financial system.

7 is a diagram illustrating a designated amount withdrawal service application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the designated amount withdrawal service using the terminal device according to an embodiment of the present invention .

In more detail, in FIG. 7, when the storage medium 630 illustrated in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the customer information and the customer account are included in the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method in which a designated amount withdrawal service application information including information, withdrawal authentication information, and withdrawal amount information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, 7 may be inferred from various information configuration methods for storing the designated amount withdrawal service application information in the ledger D / B, but the present invention includes all the implementation methods inferred, It is not limited only to the implementation method shown.

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

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

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

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

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

Referring to FIG. 7, the designated amount withdrawal service application information provided through the information registration system shown in FIG. 6 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one of customer information, customer account information, withdrawal authentication information, withdrawal amount information.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, CD machine, ATM, teller terminal) characterized in that withdraw the specific amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

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

8 is a diagram illustrating a designated amount withdrawal service application information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for a designated amount withdrawal service using a terminal device according to another embodiment of the present invention; Figure is a diagram.

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

In particular, in FIG. 8, when it is not easy to store the designated amount withdrawal service application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS) / B is not easy to change or system expansion is not easy due to the nature of the financial system), and the designated amount withdrawal service application information is stored in a predetermined database instead of the ledger D / B, and the database and the The implementation method of linking and storing ledger D / B is shown.

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

Referring to FIG. 8, the database stores and stores the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the designated amount withdrawal service application information. Preferably, the information further includes a CIF number corresponding to the ledger information in the designated amount withdrawal service application information to be linked to the ledger D / B.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, CD machine, ATM, teller terminal) characterized in that withdraw the specific amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

FIG. 9 is a diagram illustrating a designated amount withdrawal service application information stored in a DBMS provided in a banking server in a non-face-to-face manner for a designated amount withdrawal service using a terminal device according to another embodiment of the present invention.

In more detail, FIG. 9 shows a DBMS in which the storage medium 630 shown in FIG. 6 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if a person having ordinary skill in the art to which the present invention pertains, the designated amount stored in a predetermined DBMS provided in at least one or more banking servers by referring to or modifying the drawing 9 It is possible to infer a method of constructing information on withdrawal service application information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 9, the predetermined DBMS provided in the banking server stores and stores the customer information, customer account information, withdrawal authentication information, and withdrawal amount information included in the designated withdrawal service application information. do.

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

Preferably, the customer account information includes an account number corresponding to an account capable of withdrawing a terminal device opened under the name of the customer. According to an embodiment of the present invention, a specific customer designated by the customer is a terminal device (eg, , CD machine, ATM, teller terminal) characterized in that withdraw the specified amount specified by the customer.

Preferably, the withdrawal authentication information may include a password or a unique code set by the customer in order to allow the account holder to withdraw the amount specified in the holding account through a specific customer.

The withdrawal amount information is preferably made by the account holder customer includes the amount or volume that can be withdrawn by the specific customer specified by the customer through the terminal device.

FIG. 10 is a diagram illustrating a process of registering the designated amount withdrawal service application information in a non-face-to-face manner for a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a case in which the information registration server 600 on the information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 600 to connect the communication channel for information registration according to the present invention, the customer information, customer account information, withdrawal authentication information, withdrawal to the information registration server 600 through the communication channel When the designated amount withdrawal service application information including the amount information is transmitted, customer information, customer account information, withdrawal authentication information, withdrawal amount information included in the received designated amount withdrawal service application information from the information registration server 600; As an embodiment of the present invention relates to an embodiment of the present invention, which is stored in a predetermined storage medium 630 and has a general knowledge in the art. In this case, various implementation methods for registering the designated amount withdrawal service application information from the client terminal to the information registration server 600 may be inferred by referring to or modifying the drawing 10. It includes an implementation method and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 6 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information, customer account information, withdrawal authentication information, and withdrawal amount information transmitted to the server 600 are referred to as "designated amount withdrawal service application information" for convenience.

Referring to FIG. 10, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc. to register the designated amount withdrawal service application information, and for the designated amount withdrawal service using the terminal device. When requesting to register the designated amount withdrawal service application information (1000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the designated amount withdrawal service application information (1005), and the communication The generated (or extracted) web page is transmitted to the terminal and output through the channel (1010).

According to an embodiment of the present invention, the information registration interface inputs (or selects) the designated amount withdrawal service application information including at least one of the customer information, customer account information, withdrawal authentication information, and withdrawal amount information from the terminal. It is preferred to include a user interface.

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

Thereafter, the terminal inputs (or selects) the designated amount withdrawal service application information including at least one or more customer information, customer account information, withdrawal authentication information, and withdrawal amount information through the information registration interface (1015).

If the terminal inputs (or selects) the designated amount withdrawal service application information including the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information through the information registration interface (1020), the terminal communicates with the communication. The customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information are transmitted to the server through the channel (1025).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, customer account information, withdrawal authentication information, and withdrawal amount information to the server through the communication channel is input through the information registration interface ( Alternatively, the method may further include electronically signing or encrypting the designated designated amount withdrawal service application information through the security module provided in the terminal and transmitting the same to the server.

Thereafter, the server receives and reads the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information through the communication channel to confirm the validity of the designated withdrawal service application information (1030).

According to the method of the present invention, confirming the validity of the designated amount withdrawal service application information is, if the designated amount withdrawal service application information is electronically signed or encrypted through a security module provided in the terminal, the designated amount Decrypting the withdrawal service application information, or may further comprise decoding the specified amount withdrawal service application information.

According to the method of the present invention, the validity check of the designated amount withdrawal service application information is at least one or more ledger information matching the designated amount withdrawal service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validity check of the designated amount withdrawal service application information confirms whether the customer information included in the designated amount withdrawal service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validity of the designated amount withdrawal service application information is checked whether the customer account information included in the designated amount withdrawal service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

In addition, the validity of the designated amount withdrawal service application information is the amount of money withdrawn in the account corresponding to the customer account information included in the designated amount withdrawal service application information withdrawal amount information contained in the designated amount withdrawal service application information It is preferable that the check is made to include.

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

On the other hand, if the validity of the designated amount withdrawal service application information is authenticated (1035), the server performs the information registration procedure corresponding to the designated amount withdrawal service application information, the customer information, customer account information, withdrawal authentication information, The withdrawal amount information is cooperatively stored and stored in the predetermined storage medium 630 (1045).

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

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

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

11A and 11B illustrate a process of registering the designated amount withdrawal service application information in a non-face-to-face manner for a designated amount withdrawal service using a terminal device according to another exemplary embodiment of the present invention.

In more detail, FIGS. 11A and 11B illustrate a case in which the information registration system illustrated in FIG. 6 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. Access the Internet banking server through the Internet and perform a predetermined customer authentication procedure, and then apply the predetermined designated amount withdrawal service application information for the designated amount withdrawal service using the terminal device in the client terminal. When the designated amount withdrawal service application information including the customer information, customer account information, withdrawal authentication information, withdrawal amount information is transmitted, the information registration server 600 is included in the received designated amount withdrawal service application information. A predetermined storage medium 630 by linking the processed customer information, customer account information, withdrawal authentication information, and withdrawal amount information. In the embodiment of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawings 11a and 11b and change the designated amount from the client terminal to the information registration server 600. Various implementation methods for registering the withdrawal service application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 11A and 11B.

That is, in FIGS. 11A and 11B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the specified amount withdrawal service application information registration between the client terminal and the Internet banking server, if the person of ordinary skill in the art Designate between the client terminal and the internet banking server based on a predetermined internet banking program installed in the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 11a and 11b. Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a withdrawal service application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, whereby The present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, in addition to the Internet banking system, a telebanking system or wireless In another banking system, such as a banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering a designated amount withdrawal service application information may be inferred. It includes all types of non-face-to-face channel-based financial transactions, including systems or TV banking systems or future proposed face-to-face banking systems, and the technical configuration of the present invention is the case of Internet banking shown in FIGS. It is by no means limited.

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

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

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

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

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

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

If the terminal does not need to install or update the latest version of the Internet banking security module (1125a), or if the terminal does not need to load or update the Internet banking security module (1115a), the server is mounted on the terminal. By activating the security module for internet banking, to connect the security channel for internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1130a), where the security channel for internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and information (or data) to be provided to the server for registering the designated amount withdrawal service application information in the terminal. When a predetermined digital signature is attached to or transmitted by encrypting with at least one encryption method (or an encryption algorithm), the server verifies the electronic signature or predetermined decryption corresponding to the encryption method (or an encryption algorithm). A communication channel for decoding the information (or data) by a method (or a decoding algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register the designated amount withdrawal service application information in the terminal Attach an electronic signature or at least one cancer If the encryption is transmitted using an encryption method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) to a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode.

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

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

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

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

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

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

On the other hand, if the Internet banking customer authentication is successful (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined designated amount withdrawal service application information for a designated amount withdrawal service using the terminal device from the terminal to the server.

Thereafter, when the terminal requests the internet banking-based designated amount withdrawal service application information registration to the server through the inter-banking-based financial transaction channel to register the designated amount withdrawal service application information (1100b), the server requests the designated amount. A web page corresponding to a predetermined information registration interface for registering a withdrawal service application information is generated (or extracted) (1105b), and the web page generated (or extracted) through the internet banking-based financial transaction channel is transferred to the terminal. It transmits and outputs it (1110b).

According to an embodiment of the present invention, the information registration interface is an interface for inputting (or selecting) designated amount withdrawal service request information including at least one of customer information, customer account information, withdrawal authentication information, and withdrawal amount information in the terminal. Preferably, or a predetermined password (for example, account password, etc.) to confirm the validity of the Internet banking customer requesting registration of the designated amount withdrawal service application information or the designated amount withdrawal service application information, or A security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) or a one time password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) Enter a one-time password generated by the OTP authenticator (or OTP authentication program). It further comprises an interface that is preferred.

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

Thereafter, the terminal inputs (or selects) the designated amount withdrawal service application information including at least one of the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information through the information registration interface (1115b).

If the terminal inputs (or selects) the designated amount withdrawal service application information including the customer information, the customer account information, the withdrawal authentication information, and the withdrawal amount information through the information registration interface (1120b), the terminal receives the financial information. The input (or selection) of the designated amount withdrawal service application information is transmitted to the server through the transaction channel (1125b).

According to the exemplary embodiment of the present invention, transmitting the inputted (or selected) designated amount of money withdrawal service application information to the server through the financial transaction channel, withdrawing the designated amount of money inputted (or selected) through the information registration interface. The service request information includes a digital signature or an encryption through a security module provided in the terminal and transmits it to the server.

Thereafter, the server receives and reads the designated amount withdrawal service application information through the financial transaction channel to confirm the validity of the designated amount withdrawal service application information (1130b).

According to the method of the present invention, confirming the validity of the designated amount withdrawal service application information is, if the designated amount withdrawal service application information is electronically signed or encrypted through a security module provided in the terminal, the designated amount Decrypting the withdrawal service application information, or may further comprise decoding the specified amount withdrawal service application information.

In addition, the validity check of the designated amount withdrawal service application information, it is preferable to further comprise a password or security code or OTP included in the specified amount withdrawal service application information.

According to the method of the present invention, the validity check of the designated amount withdrawal service application information is at least one or more ledger information matching the designated amount withdrawal service application information in the ledger D / B on the financial system associated with the information registration system It is preferable to include checking whether is registered.

For example, the validity check of the designated amount withdrawal service application information confirms whether the customer information included in the designated amount withdrawal service application information matches the customer ledger stored in the ledger D / B on the financial system linked with the information registration system. It is preferable that it consists of including.

In addition, the validity of the designated amount withdrawal service application information is checked whether the customer account information included in the designated amount withdrawal service application information matches the account ledger stored in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking.

In addition, the validity of the designated amount withdrawal service application information is the amount of money withdrawn in the account corresponding to the customer account information included in the designated amount withdrawal service application information withdrawal amount information contained in the designated amount withdrawal service application information It is preferable that the check is made to include.

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

On the other hand, if the validity of the designated amount withdrawal service application information is authenticated (1135b), the server performs an information registration procedure corresponding to the designated amount withdrawal service application information, thereby providing customer information included in the designated amount withdrawal service application information. In operation 1145b, the customer account information, the withdrawal authentication information, and the withdrawal amount information are interworked and stored in the predetermined storage medium 630.

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

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

Thereafter, the server generates a web page including a predetermined designated amount of money withdrawal service application information registration information and transmits it to the terminal (1150b), thereby completing the registration of the designated amount of money withdrawal service application information transmitted from the terminal.

12 is a diagram illustrating a system for providing a designated amount withdrawal service using a terminal device according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a portion of the amount (designated amount) deposited by the customer with a predetermined withdrawable account in the customer account through the information registration system shown in FIG. 1 or 6 (eg, a terminal device). After saving the designated amount withdrawal service application information to enable the withdrawal from the terminal device through the customer withdrawal service through the storage medium, the storage through a predetermined terminal device (for example, CD or ATM) A system configuration for withdrawing a specific amount specified by a customer having an account to a customer who requests a withdrawal request corresponding to a designated amount withdrawal service application information stored in a medium, and has a general knowledge in the technical field to which the present invention belongs. The withdrawal fee corresponding to the designated amount withdrawal service application information stored in the storage medium by referring to and / or modifying the drawing 12. It would be possible to infer various system configurations for withdrawing a specific amount specified by the customer holding the account to the customer, but the present invention includes all the inferred implementation methods, and is limited by the implementation method shown in FIG. Not.

The customer who registers the designated amount withdrawal service application information including customer information, customer account information, withdrawal authentication information, and withdrawal amount information through the information registration system shown in FIG. A customer who has a financial account (eg, a liquidity account that can withdraw money through CD / ATM) is established, and holds the account through the terminal device on the basis of a designated amount withdrawal service application information stored in the storage medium. The customer who withdraws the amount designated by the account holder customer from the account may not be a customer of the financial institution.

However, the withdrawal customer is a customer provided with the designated amount withdrawal service application information through any means to withdraw the specified amount from the account of the account holder customer through the terminal device from the account holder customer, The process in which the account holder customer provides the withdrawal service application information to the withdrawal customer through a predetermined means is a part which can be fully understood by those skilled in the art to which the present invention belongs. In the description will be omitted.

Hereinafter, in the embodiment, a customer who registers a designated amount withdrawal service application information including customer information, customer account information, withdrawal authentication information, and withdrawal amount information through the information registration system shown in FIG. Customer "and a customer who withdraws the amount designated by the account holder customer through the terminal device is called a" withdrawal customer ".

Referring to FIG. 12 according to an embodiment of the present invention, a designated amount withdrawal service providing system using the terminal apparatus may include at least one financial transaction means (applied to the designated amount withdrawal service) used by the account holder. 1 or 3), a financial system connected to the financial transaction means through a predetermined financial network, and stored in the storage medium through a CD device or an ATM connected to the financial system. When a designated amount withdrawal service corresponding to the designated amount withdrawal service application information is requested, whether the withdrawal is possible by comparing the designated amount withdrawal service request information and the designated amount withdrawal service application information stored in the storage medium (withdrawal account match and withdrawal password match); Whether the withdrawal amount coincides, and the designated amount withdrawal service is requested according to the determination result. Information processing server 1200 for withdrawing the designated amount through D or ATM, and withdrawal of the designated amount including withdrawal account information, withdrawal authentication information (or withdrawal password), and withdrawal amount information in connection with the financial system; It is characterized in that it comprises a CD or ATM for requesting a specified amount withdrawal service by transmitting the service request information to the server.

In particular, although the information processing server 1200 is illustrated as a server located between the financial transaction system and the financial system in FIG. 12, the information processing server 1200 may be provided in the financial transaction system according to the intention of a person skilled in the art. And / or some of the functional components constituting the information processing server 1200 may be included in the financial transaction system, and / or the information processing server 1200 may be configured according to the intention of a person skilled in the art. It is possible that a part of the functional configuration unit provided in, and / or constituting the information processing server 1200 is included in the financial system, whereby the present invention is not limited.

The financial transaction system includes a window terminal based banking system, a financial terminal based banking system including a CD / ATM, an internet banking system, a wireless banking system, an IC chip based wireless banking system, a telebanking system, a home banking system, and a TV banking system. Characterized in that it comprises at least one or more.

The window terminal-based banking system of the financial transaction system, the account holder (customer using a financial institution) visits the branch (or branch) of the financial institution directly and prepares a document corresponding to the bank account (or card) owned by the customer. When the account book (or the card) and the slip are submitted to the teller, the teller inputs the financial transaction information written in the slip through a predetermined teller terminal and enters the information through the predetermined financial network (for example, the bank). When transmitting to the financial system, the financial system is characterized in that to process the financial transaction corresponding to the financial transaction information.

According to the method of the present invention, the account holder for the designated amount withdrawal service using the terminal device according to the present invention based on the window terminal-based banking system is a slip (or conventional withdrawal) for applying for a predetermined designated amount withdrawal service A document can be used for the designated amount withdrawal service using the terminal equipment), and the designated amount withdrawal service application information is submitted to the teller, and the teller assigns the information to the teller through the teller terminal. Input the amount of money withdrawal service application information and transmit it to the information processing server 1200, information processing function for the designated amount withdrawal service using the terminal device according to the present invention in connection with the financial system in the information processing server 1200 It characterized in that to perform.

In addition, the financial terminal-based banking system including a CD / ATM of the financial transaction system is a financial terminal provided in the branch (or branch) and / or public places of the account holders (customers using the financial institution) of the financial institution. If the visitor inserts the customer account (or card) into the card reader provided in the financial terminal and inputs (or selects) predetermined financial transaction information based on the financial transaction interface provided by the financial terminal. When the terminal transmits the financial transaction information to the financial system through a predetermined financial network (eg, CD common network), the financial system processes the financial transaction corresponding to the financial transaction information.

According to an embodiment of the present invention, the account holder customer is provided with the customer-owned bank account (or card) in the financial terminal for the designated amount withdrawal service using the terminal device according to the present invention based on the financial terminal-based banking system Inserting the card reader into a card reader and inputting (or selecting) a predetermined designated money withdrawal service application information corresponding to the financial device-based designated payment amount withdrawal interface (for example, a financial transaction interface for financial terminal-based banking) provided by the financial terminal; Interface (or interface), the predetermined amount of money withdrawal service application information is input (or selected), and the financial terminal transmits the specified amount of money withdrawal service application information to the information processing server 1200 and the information processing server 1200. For a designated amount withdrawal service using the terminal device according to the present invention in connection with the financial system Characterized in that the information processing function.

In addition, the Internet banking system of the financial transaction system, the account holder (customer using a financial institution) is a predetermined client terminal (for example, a personal computer (PC) equipped with a web browsing function and / or banking program) and / Or using a notebook to access an Internet banking server via a predetermined wired communication network (e.g., Transmission Control Protocol / Internet Protocol (TCP / IP) based Internet, xDSL based wired network) (and / or Internet Banking Customer Login) Requesting at least one financial transaction, the Internet banking server provides a financial transaction interface corresponding to the financial transaction request to the client terminal, and the client terminal provides predetermined financial transaction information through the financial transaction interface. Non-face-to-face financial transaction procedures defined in the internet banking system (e.g., Financial transaction using an accredited certificate and / or financial transaction using an One Time Password (OTP), the financial system by providing the financial transaction information to the financial system from the internet banking server. At is characterized in that for processing the financial transaction corresponding to the financial transaction information.

According to an embodiment of the present invention, the account holder customer accesses the Internet banking server through a predetermined client terminal for a designated amount withdrawal service using the terminal apparatus according to the present invention based on the internet banking system. When applying for a designated amount withdrawal service using the terminal device by logging in to an Internet banking customer, an Internet banking-based designated amount withdrawal service application interface corresponding to the cash payment application is applied to the internet banking server (eg, a financial transaction interface for Internet banking). An interface for inputting (or selecting) a predetermined amount of money withdrawal service application information corresponding to the request information to the client terminal, and the predetermined amount of money withdrawal service application information from the client terminal through the specified amount of money withdrawal service application interface. By typing (or selecting) When transmitting to the Internet banking server according to a non-face-to-face financial transaction procedure defined in the Internet banking system, the Internet banking server transmits the designated amount withdrawal service application information to the information processing server 1200, the information processing server In step 1200, the information processing function for the designated amount withdrawal service using the terminal device according to the present invention is performed in connection with the financial system.

In addition, the wireless banking system of the financial transaction system is based on CDMA (Code Division Multiple Access) based on a predetermined wireless terminal (e.g., a wireless web browsing function and / or a wireless banking program) by the account holder (a customer using a financial institution). Mobile communication terminals, and / or IEEE 802.16x based portable Internet terminals, and / or DataTAC / Mobitex based wireless data communication terminals).

At least one financial transaction is made by accessing (and / or logging into a wireless banking customer) a wireless banking server through a predetermined wireless network (e.g., CDMA based mobile network, IEEE802.16x based portable Internet, DataTAC / Mobitex based wireless data communication network). Upon request, the wireless banking server provides a financial transaction interface corresponding to the financial transaction request to the wireless terminal, and inputs predetermined financial transaction information through the financial transaction interface in the wireless terminal to define the wireless banking system. The wireless banking server provides the financial transaction information to the financial system when the wireless banking server transmits the data to the wireless banking server according to a non-face-to-face financial transaction procedure (eg, a financial transaction using an accredited certificate, and / or a financial transaction using an OTP). Thereby dealing with financial transactions corresponding to the financial transaction information in the financial system. And it characterized in that.

According to an embodiment of the present invention, the account holder customer is connected to the wireless banking server through a predetermined wireless terminal for a designated amount withdrawal service using the terminal apparatus according to the present invention based on the wireless banking system. When a user applies for a designated amount withdrawal service using the terminal device by logging in to a wireless banking customer, a wireless banking-based designated amount withdrawal service request interface corresponding to the designated amount withdrawal service application is applied to the wireless banking server (for example, financial for wireless banking). An interface for inputting (or selecting) a predetermined amount of money withdrawal service application information corresponding to a transaction interface) to the wireless terminal, and requesting a predetermined amount of money withdrawal service through the designated amount of money withdrawal service application interface from the wireless terminal. Enter (or select) information to the wireless banking system When transmitting to the wireless banking server according to the non-face-to-face financial transaction procedure defined in the system, the wireless banking server transmits the designated amount withdrawal service application information to the information processing server 1200, the information processing server 1200 Is characterized in that to perform the information processing function for the designated amount withdrawal service using the terminal device according to the present invention in connection with the financial system.

In addition, the IC chip-based wireless banking system of the financial transaction system includes a wireless terminal (eg, a financial IC chip and a financial IC chip base) in which the account holder (a customer using a financial institution) is equipped with a predetermined IC chip-based financial transaction function. IC chip-based financial transaction procedures (e.g., a code division multiple access (CDMA) based mobile communication terminal equipped with a banking program, and / or an IEEE 802.16x based portable Internet terminal, and / or a DataTAC / Mobitex based wireless data communication terminal) For example, a financial transaction procedure using a financial means provided in a financial IC chip is performed to generate predetermined financial transaction information, and the financial transaction information is used in a non-face-to-face financial transaction procedure defined in the IC chip-based wireless banking system. , Certain wireless communication networks (e.g., CDMA based mobile communication networks, IEEE802.16x based mobile Internet, DataTAC / Mobitex based wireless day) according to financial transactions using accredited certificates. When sent over a network) to the wireless banking server, and at the wireless banking server, and wherein to process the financial transaction corresponding to said financial transaction information from the financial system by providing the financial transaction information to the financial system.

According to an embodiment of the present invention, a customer having an account for a designated amount withdrawal service using a terminal device according to the present invention based on the IC chip-based wireless banking system may use a wireless terminal having the IC chip-based financial transaction function. Through the IC chip-based financial transaction process, a predetermined designated amount withdrawal service application information is generated, and the designated amount withdrawal service application information is transferred to a predetermined wireless amount according to the non-faced financial transaction procedure defined in the IC chip based wireless banking system. When transmitting to the wireless banking server through a communication network, the wireless banking server transmits the designated amount withdrawal service application information to the information processing server 1200, the information processing server 1200 in conjunction with the financial system of the present invention Characterized in that it performs the information processing function for the designated amount withdrawal service using the terminal device according to.

According to another embodiment of the present invention, in the case of the IC chip-based wireless banking system, the wireless terminal may be provided with an information processing function for a designated amount withdrawal service using a terminal device provided in the information processing system. The present invention is not limited by this.

In addition, the banking system of the financial transaction system is a predetermined voice by the account holder (customer using a financial institution) using a predetermined call terminal (for example, a wired telephone or a mobile communication terminal equipped with a voice call function). Access (and / or telebanking) to a telebanking server (e.g., an Automatic Response Service (ARS) server) via a telephone network (e.g., Public Switched Telephone Network (PSTN), Voice over IP (VoIP) network) Customer login), the telebanking server provides a financial transaction interface including a predetermined voice guidance service to the call terminal, and in response, the call terminal inputs predetermined financial transaction information through the financial transaction interface. Non-face-to-face financial transaction procedure defined in the telebanking system (e.g., transmission and reception of financial transaction information of a dual frequency multi-frequency (DTMF) method) It depending characterized in that for processing financial transactions corresponding to said financial transaction information from the financial system by providing when transmitted to the telebanking server, the financial transaction information from the telebanking server to the banking system.

According to an embodiment of the present invention, a customer having an account for a designated amount withdrawal service using a terminal device according to the present invention based on the telebanking system uses a predetermined call terminal for telebanking through a predetermined voice call network. When the server is connected (and / or logged in to a telebanking customer), a telebanking-based designated money withdrawal service application interface (eg, voice guidance for telebanking) including a predetermined voice guidance service from the telebanking server to the call terminal is provided. An interface for inputting (or selecting) a predetermined amount of money withdrawal service application information, and correspondingly inputting (or selecting) a predetermined amount of money withdrawal service application information through the designated amount of money withdrawal service application interface at the call terminal. Select and reconsider according to the non-face-to-face financial transaction procedures defined in the telebanking system. When transmitting to the lebanking server, the telebanking server transmits the designated amount withdrawal service application information to the information processing server 1200, the information processing server 1200 in connection with the financial system terminal according to the present invention Characterized in that the information processing function for the specified amount withdrawal service using the device.

In addition, the home banking system of the financial transaction system is a predetermined wired / wireless communication network (for example, a home appliance connected to at least one wired or wireless communication network) by the account holder customer (a financial institution using customer). request at least one financial transaction by accessing (and / or logging in to a home banking customer) a home banking server via an xDSL-based wired network, a CDMA-based mobile network, an IEEE802.16x-based mobile Internet, or an IEEE 802.11x-based wireless LAN. When the home banking server provides a financial transaction interface corresponding to the financial transaction request to the home banking device, the home banking device inputs predetermined financial transaction information through the financial transaction interface to the home banking system. Defined non-face-to-face financial transaction procedures (eg, financial transactions using accredited certificates, and / or financing using OTP) And transmit the financial transaction information to the financial system in the home banking server to process the financial transaction corresponding to the financial transaction information in the financial system.

According to an embodiment of the present invention, the account holder customer is connected to the home banking server through a predetermined home banking device for a designated amount withdrawal service using the terminal device according to the present invention based on the home banking system (and / or Alternatively, when the banking terminal-based designated amount withdrawal service is applied to the home banking customer login, a home banking-based designated amount withdrawal service request interface corresponding to the cash payment request is requested by the home banking server (eg, a financial transaction interface for home banking). Interface for inputting (or selecting) a predetermined designated amount withdrawal service application information corresponding to

Providing a home banking device, inputting (or selecting) a predetermined designated amount withdrawal service application information through the designated amount withdrawal service application interface from the home banking device, according to a non-face-to-face financial transaction procedure defined in the home banking system. When transmitting to the home banking server, the home banking server transmits the designated amount withdrawal service application information to the information processing server 1200, the information processing server 1200 in connection with the financial system according to the present invention Characterized in that it performs the information processing function for the designated amount withdrawal service using the terminal device.

In addition, the TV banking system of the financial transaction system is that the account holder (customer using a financial institution) is a predetermined digital TV (eg, Set-Top-Box, and / or satellite DMB (Digital Multimedia Broadcasting) terminal And / or a terrestrial DMB terminal) to access a TV banking server via a predetermined wired or wireless communication network (eg, xDSL based wired communication network, CDMA based mobile communication network, IEEE802.16x based mobile Internet, IEEE 802.11x based wireless LAN, etc.) Requesting at least one financial transaction (and / or a TV banking customer login), the TV banking server provides a financial transaction interface corresponding to the financial transaction request to the digital TV, and the financial transaction interface on the digital TV. Non-face-to-face financial transaction procedures (e.g., financial transactions using accredited certificates, and / or When the financial transaction using OTP) is transmitted to the TV banking server, the TV banking server processes the financial transaction corresponding to the financial transaction information by providing the financial transaction information to the financial system. It features.

According to an embodiment of the present invention, the account holder customer is connected to the TV banking server through a predetermined digital TV for a designated amount withdrawal service using the terminal apparatus according to the present invention based on the TV banking system. When the TV banking customer logs in to apply for the designated amount withdrawal service using the terminal device, the TV banking server provides a TV banking-based cash payment interface (eg, a financial transaction interface for TV banking) corresponding to the application for the designated amount withdrawal service. A corresponding interface for inputting (or selecting) predetermined designated amount withdrawal service application information to the digital TV, and inputting predetermined designated amount withdrawal service application information through the designated amount withdrawal service application interface on the digital TV. (Or optional) to comply with the non-face-to-face financial transaction procedures defined in the TV banking system. When transmitting to the TV banking server, the TV banking server transmits the designated amount withdrawal service application information to the information processing server 1200, the information processing server 1200 in connection with the financial system according to the present invention Characterized in that it performs the information processing function for the designated amount withdrawal service using the terminal device.

As described above, the process of transferring the designated amount withdrawal service application information using the terminal device through the financial transaction system to the information processing server 1200 may include, for example, an information registration server on the information registration system shown in FIG. The designated amount withdrawal service application information is stored in the storage medium through 100,600, and the designated amount withdrawal service application information stored in the storage medium may be transmitted to the information processing server 1200.

According to another embodiment of the present invention, the information processing server 1200 may be provided with a functional configuration of the information registration server (100, 600).

The financial institution used by the account holder has a predetermined financial system 140 for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. It features.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

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

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

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

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

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

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

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

Referring to FIG. 12, the information processing server 1200 includes an information receiving unit 1205 for receiving a specified amount of money withdrawal service request information from a CD device or an ATM provided in at least one or more financial institution branches or public places. Designated amount withdrawal service corresponding to the withdrawal account number, withdrawal password, withdrawal amount and the withdrawal account number stored in the storage medium by checking the withdrawal account number, withdrawal password and withdrawal amount included in the withdrawal service request information An information confirming unit 1210 for comparing the application information, an approval processing unit 1215 for approving a designated amount withdrawal service requested from the CD or ATM according to the comparison result, and the financial system according to the approval processing result And a financial processor 1220 for processing a financial transaction for withdrawal of a specified amount in connection with It shall be.

The information receiving unit 1205 is a CD device used by the withdrawal customer that has confirmed the withdrawal account number, withdrawal password, and withdrawal amount for the use of the designated amount withdrawal service requested from the account holder customer through a predetermined path; Receive the designated amount withdrawal service request information requesting the designated amount withdrawal service using the terminal device from the ATM.

According to the method of the present invention, the designated amount withdrawal service request information corresponds to the designated amount withdrawal service application information registered and applied by the account holder customer, withdrawal that the withdrawal customer confirmed through the predetermined path from the account holder customer It is characterized by including the account number, withdrawal password, withdrawal amount.

When the designated amount withdrawal service request information including the withdrawal account number, withdrawal password, and withdrawal amount is received through the information receiving unit 1205, the information checking unit 1210 receives the designation received through the information receiving unit 1205. Check the withdrawal account number, withdrawal password and withdrawal amount included in the withdrawal service request information, and withdraw the designated amount withdrawal service corresponding to the identified withdrawal account number, withdrawal password, withdrawal amount and the withdrawal account number stored in the storage medium. Characterized by comparing the application information (withdrawal password, withdrawal amount), characterized in that the matching result is provided to the approval processing unit 1215.

The approval processing unit 1215 may perform an approval process to provide the withdrawal customer with the designated amount withdrawal service requested from the CD device or the ATM according to the comparison result of the information confirming unit 1210. Is provided to the financial processing unit 1220.

The financial processing unit 1220 may process a financial transaction for withdrawal processing of the designated amount through the CD / ATM in connection with the financial system according to the approval processing result of the approval processing unit 1215.

According to the implementation method of the present invention, the financial processing unit 1220 inquires the balance deposited in the withdrawal account and inquires whether the withdrawal of the designated amount is possible, and if withdrawable, withdraws the designated amount from the withdrawal account. By the withdrawal customer is characterized in that the withdrawal processing of the withdrawal designated amount through the CD or ATM requesting the withdrawal service.

Referring to FIG. 12, the information processing server 1200 requests the designated amount withdrawal service requested by the withdrawal account holder customer through a predetermined CD device or ATM, and when the use of the service is completed, using the service. And an information transmission unit 1225 for transmitting the completion details to the customer communication means of the account holder customer through a predetermined network means, wherein the customer communication means includes a predetermined wireless message (eg, a short message ( SMS, multimedia message (MMS)) and / or the wireless terminal (e.g., CDMA-based mobile communication terminal, IEEE 802.16x-based portable Internet terminal, etc.) of the account holder that has wireless Internet access and / or the And at least one or more e-mail addresses of account holders and / or messenger accounts of the account holders.

According to an embodiment of the present invention, the information transmission unit 1225 provides the withdrawal details including the withdrawal amount, withdrawal time, withdrawal point (CD / ATM) of the withdrawal customer to the communication means of the account holder customer. It is characterized by.

FIG. 13 is a diagram illustrating a process of receiving a designated withdrawal service through a terminal device (CD / ATM) according to an embodiment of the present invention.

In more detail, in FIG. 13, a portion of the amount deposited by the customer with a predetermined withdrawable account in the customer account (designated amount) by the information registration system shown in FIG. 1 or 6 on the system shown in FIG. ) A predetermined amount of money withdrawal service application information for allowing the withdrawal from the terminal device through another customer (for example, a customer using a withdrawal service through the terminal device) in a storage medium, and then a predetermined terminal device (for example, CD). Or ATM) and the process of withdrawing the specified amount specified by the customer holding the account to the customer (withdrawal customer) making a withdrawal request corresponding to the designated withdrawal service application information stored in the storage medium through the present invention. Those skilled in the art may withdraw the designated amount stored in the storage medium by referring to and / or modifying this drawing. Although it may be possible to infer various implementation methods for withdrawing a specific amount designated by the account holder customer to a customer requesting a withdrawal request conforming to the service application information, the present invention includes all of the inferred implementation methods, and FIG. 13 It is not limited by the implementation method shown in FIG.

Hereinafter, in FIG. 13, the CD / ATM shown in FIG. 12 will be referred to as a "terminal device" for convenience, and the information processing server 1200 shown in FIG. 12 will be referred to as a "server" for convenience. The withdrawal account information, withdrawal authentication information (withdrawal password), and withdrawal amount information transmitted to the information processing server 1200 through the system are referred to as " designated amount withdrawal service request information " Withdrawal account information, withdrawal authentication information (withdrawal password) and withdrawal amount information previously stored in the storage medium through the registered information registration system will be referred to as "designated amount withdrawal service application information" for convenience.

Referring to FIG. 13, after the account holder customer registers the designated amount withdrawal service application information through the information registration system shown in FIG. 1 or FIG. 6, the account holder customer may use a predetermined communication means (or directly). ) Obtain withdrawal account information, withdrawal authentication information (withdrawal password) and withdrawal amount information included in the designated withdrawal service application information, and correspond to the withdrawal amount information through a terminal device provided at a financial institution branch or a public branch; When requesting an amount of money withdrawal (1300), the terminal device generates (or extracts) a predetermined amount of money withdrawal service request interface for the designated amount of money withdrawal service (1305), and generates (or extracts) the designated amount of money withdrawal service. The request interface is displayed on the screen (1310).

According to an embodiment of the present invention, the designated amount withdrawal service request interface inputs designated amount withdrawal service request information including at least one of the withdrawal account information, withdrawal authentication information (password) and withdrawal amount information from the terminal device ( Or a user interface).

Thereafter, the terminal device inputs (or selects) designated amount withdrawal service request information including at least one or more withdrawal account information, withdrawal authentication information (password), and withdrawal amount information through the designated amount withdrawal service request interface (1315). .

If the terminal apparatus inputs (or selects) the designated amount withdrawal service request information including the withdrawal account information, withdrawal authentication information (password), and withdrawal amount information through the designated amount withdrawal service request interface (1320), The terminal transmits the designated amount withdrawal service request information including the input (or selected) withdrawal account information, withdrawal authentication information (password), and withdrawal amount information through the financial network (or financial common network) to the financial system. (1325).

The designated amount withdrawal service request information delivered to the financial system is delivered to the linked server, and the server checks a withdrawal account number, withdrawal password, and withdrawal amount included in the transferred designated amount withdrawal service request information, and confirms the withdrawal. The withdrawal account number, withdrawal password, withdrawal amount is compared with the designated amount withdrawal service application information (withdrawal password, withdrawal amount) corresponding to the withdrawal account number stored in the storage medium (1330).

If the comparison result makes available the designated amount withdrawal service requested from the CD or ATM (1335), the server returns to the terminal apparatus after the approval process for the designated amount withdrawal service requested from the CD or ATM. The designated amount withdrawal approval information is transmitted (1345).

On the other hand, if it is not possible to use the designated amount withdrawal service requested from the CD or ATM in the comparison result (1335), the server generates a predetermined service use error information and transmits it to the terminal device (1340). However, the designated amount withdrawal service procedure corresponding to the designated amount withdrawal service request information is not performed.

Subsequently, the terminal device receiving the designated amount withdrawal approval information from the server performs withdrawal processing for the designated amount (1350), and the server generates (extracts) the designated amount withdrawal service usage history information to the account holder customer. By transmitting to the communication means, the result of using the designated amount withdrawal service is notified (1355).

According to the present invention, there is an advantage that the cash withdrawal can be performed at any time and anywhere through the CD and the like without a bankbook and card.

In addition, in the case of a small amount of money transfer, there is an advantage that can be an alternative to solve the inconvenience of the existing account transfer method.

In addition, there is an advantage that the risk of loss or theft due to possession of the passbook and card can be reduced.

Claims (4)

Receiving the first customer account information, the withdrawal password designated by the first customer (disposable), and the withdrawal amount information specified by the first customer from the first customer (or the amount providing customer) terminal and storing the information on the storage medium; First customer account information specified by the first customer entered by the second customer (or withdrawal customer) from the CD / ATM, withdrawal password specified by the first customer (disposable) and withdrawal amount specified by the first customer Receiving information; Input (or selection) information of the second customer received from the CD / ATM, account information of the first customer stored in the storage medium, a withdrawal password designated by the first customer (disposable) and withdrawal amount information designated by the first customer Comparing the two to determine whether cash withdrawal is possible; And And providing withdrawal approval information to the CD / ATM to enable the withdrawal of the withdrawal amount specified by the first customer according to the determination result. The method of claim 1, further comprising providing a withdrawal fact of the second customer to the first customer communication means when the designated amount of the second customer is withdrawn through the CD / ATM. Method of authorizing a media-free cash withdrawal. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving the first customer account information, the withdrawal password designated by the first customer (disposable), and the withdrawal amount information designated by the first customer from the first customer (or the amount providing customer) terminal; First customer account information specified by the first customer entered (or selected) by a second customer (or withdrawal customer) received from the CD / ATM, withdrawal password (one-time use) designated by the first customer, and designated by the first customer The withdrawal amount information is compared with the account information of the first customer stored in the storage medium, the withdrawal password designated by the first customer (disposable) and the withdrawal amount information specified by the first customer, and the possibility of withdrawing cash is determined. And a means for providing withdrawal approval information to the CD / ATM to enable the withdrawal of the withdrawal amount specified by the customer.
KR1020080112914A 2008-11-13 2008-11-13 System and method for approving cash withdrawal without financial mass and program recording medium KR20100054003A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105513220A (en) * 2015-11-24 2016-04-20 深圳怡化电脑股份有限公司 Currency examination data fault tolerance processing method based on ATM
EP3059705A4 (en) * 2013-10-14 2016-11-02 Zte Corp Transaction method and device for cardless cash withdrawal
KR20230066226A (en) 2021-11-06 2023-05-15 박재혁 A card wallet with a location and sound sensor

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP3059705A4 (en) * 2013-10-14 2016-11-02 Zte Corp Transaction method and device for cardless cash withdrawal
CN105513220A (en) * 2015-11-24 2016-04-20 深圳怡化电脑股份有限公司 Currency examination data fault tolerance processing method based on ATM
KR20230066226A (en) 2021-11-06 2023-05-15 박재혁 A card wallet with a location and sound sensor

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