KR20100077299A - System and method for overseas remittance and program recording medium - Google Patents

Abstract

PURPOSE: A system and a method for overseas remittance and a program recording medium therefor are provided to supply a remittance service through a virtual account after opening a virtual account for foreign remittance only, thereby removing a separate document writing process. CONSTITUTION: A financial company server comprises the following units. If a terminal device(195) transmits account opening information for foreign remittance only, an information receiver(115) is connected with an interface unit(105) to receive the account opening information for foreign remittance only. If the terminal device transmits image contents corresponding to an overseas remittance-only account opening application form, an image receiver(120) receives image contents corresponding to the overseas remittance-only account opening application form.

Description

Overseas Remittance Method and System and Recording Medium {System and Method for Overseas Remittance and Program Recording Medium}

1 is a view showing a system for opening a face-to-face overseas remittance-only account for automatic remittance processing of the won amount deposited by a foreign customer according to one embodiment of the present invention to a designated overseas account.

2 is a diagram illustrating an implementation method in which a storage medium for storing overseas remittance-only account information corresponding to an overseas remittance-only account opened in a face-to-face manner according to an embodiment of the present invention is provided in a DBMS on a financial system.

Figure 3 is a database linked to the ledger D / B equipped with a storage medium for storing the information on the foreign remittance dedicated account corresponding to the overseas remittance dedicated account opened in a face-to-face according to another embodiment of the present invention A diagram showing an implementation method including a.

Figure 4 illustrates an implementation method comprising a DBMS provided in the banking server a storage medium for storing the information for the foreign remittance-only account corresponding to the overseas remittance-only account opened in a face-to-face according to another embodiment of the present invention Drawing.

5A and 5B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance of a won amount to be paid by a foreign customer in a face-to-face manner according to an exemplary embodiment of the present invention.

6A and 6B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance of a won amount to be paid by a foreign customer in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a system for establishing a non-face-to-face overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer to a specified overseas account according to another embodiment of the present invention.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium for storing overseas remittance-only account information corresponding to an overseas remittance-only account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

FIG. 10 is a storage medium for storing overseas remittance-only account information corresponding to an overseas remittance-only account opened in a non-face-to-face manner in accordance with another embodiment of the present invention associated with a ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

FIG. 11 is a flowchart illustrating an implementation method including a DBMS provided in a banking server in a storage medium for storing overseas remittance-only account information corresponding to an overseas remittance-only account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. One drawing.

12A and 12B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer in a non-face-to-face manner according to an exemplary embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer to a specified overseas account according to one embodiment of the present invention.

14 is a diagram illustrating a system for exclusively remitting overseas remittances for automatic remittance processing of a won amount to be paid by a foreign customer according to an embodiment of the present invention.

15 is a diagram illustrating a process for automatically remitting a foreign currency amount deposited by a foreign customer to a designated overseas account according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document transmission unit

140: information generating unit 145: account opening unit

150: information storage unit 155: electronic document server

160: electronic document receiving unit 165: information generating unit

170: electronic document storage unit 175: electronic document D / B

180: storage medium 185: ledger D / B

190 Financial System 195 Terminal Equipment

The present invention includes foreign account information to which the total amount (or part) of the amount transferred to the financial account is to be transferred when the foreign worker requests to open a financial account to transfer the entire amount (or part) of the deposit to the designated overseas account. Receiving a request to open a financial account, opening a financial account in the name of the foreign worker, and storing the received foreign account information in the opened financial account ledger; When the amount of Korean won is deposited into a financial account, confirming the foreign account information stored in the ledger of the financial account, and confirming exchange rate information between the currency and the won amount of the country where the confirmed foreign account is opened, and confirming the exchange rate information. A step of exchanging currency based on the exchange rate, and remitting the foreign currency amount corresponding to the exchanged won amount to the foreign account; Relates to the overseas transfer method comprising the steps:

With the development of the domestic economy, foreign workers have been used in various parts of the country, and these foreign workers are doing various things in Korea, far from their hometown.

These foreign workers work in various fields in Korea and often remit various income earned to families living in their hometown.

However, there are difficult problems such as language barriers and various documents to be prepared by foreign workers.

An object of the present invention for solving the above problems, if the foreign worker requests the opening of a financial account to transfer the full amount (or part) of the deposit to the specified overseas account, the total amount (or part) of the amount deposited into the financial account Means for receiving a request for opening a financial account including information on overseas accounts to be remitted, and opening a financial account in the name of the foreign worker, and storing the received foreign account information in the opened financial account ledger. And, when the foreign worker deposits the won amount into the opened financial account, means for checking the foreign account information stored in the ledger of the financial account, and exchange rate information between the currency and the won amount of the country where the identified foreign account is opened. And means for processing the exchange based on the confirmed exchange rate information, and other than corresponding to the exchange amount of the won The present invention provides an overseas remittance system including a means for remitting money to a foreign account.

In the overseas remittance method according to the present invention, when the foreign worker requests the opening of a financial account for remitting the entire amount (or part) of the deposit to the designated overseas account, the total amount (or part) of the amount transferred to the financial account is processed. Receiving a request to open a financial account including information on an overseas account to be opened, opening a financial account in the name of the foreign worker, and storing the received foreign account information in the opened financial account ledger; When the foreign worker deposits the won amount into the opened financial account, checking the foreign account information stored in the ledger of the financial account, and checking the exchange rate information between the currency and the won amount of the country where the confirmed foreign account is opened; Exchange the currency based on the confirmed exchange rate information, and exchange the foreign currency amount corresponding to the exchanged won amount; Including the step of processing the transfer abroad is characterized in that account is made.

In addition, if there is a time difference between when the won amount is deposited into the financial account and when the actual overseas remittance is executed, confirming exchange rate information at the time when the actual foreign remittance is executed, and the confirmed exchange rate And notifying the foreign worker of the information and requesting for approval of remittance.

According to the present invention, the financial account is characterized in that the virtual account, the financial account that is opened (or newly opened) by the foreign worker as a parent account.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-mentioned overseas remittance method.

In the overseas remittance system according to the present invention, when a foreign worker requests the opening of a financial account for remitting the entire amount (or part) of the amount deposited, to the designated overseas account, the total amount (or part) of the amount transferred to the financial account is transferred. Means for receiving a request to open a financial account including foreign account information to be opened, means for opening a financial account in the name of the foreign worker, and storing the received foreign account information in the opened financial account ledger; When the foreign worker deposits the won amount into the opened financial account, the foreign currency check means means for checking the foreign account information stored in the ledger and the exchange rate information between the currency and the won amount of the country where the confirmed foreign account is opened. Means for exchanging currency based on the confirmed exchange rate information and a foreign currency amount corresponding to the exchanged won amount; Characterized by comprising: means for processing a funds transfer machine offshore accounts.

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

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

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

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

1 is a view showing a system for opening a face-to-face overseas remittance-only account for automatic remittance processing of the won amount deposited by a foreign customer according to one embodiment of the present invention to a designated overseas account.

In more detail, Figure 1 shows that when a predetermined customer fills out an application for opening an overseas remittance-only account including at least one foreign customer information and foreign account information to be remitted, and submits it to a window provided at a predetermined financial institution, A financial institution opens an overseas remittance-only account for automatic remittance processing of the foreign currency amount deposited by the foreign customer to a designated overseas account based on the application information for opening the remittance-only account corresponding to the overseas remittance-only account opening application; As a system configuration for storing the overseas remittance-only account information for managing the overseas remittance-only account in a predetermined storage medium 180, if the person having ordinary knowledge in the technical field to which the present invention belongs, For automatic transfer of funds in foreign currency to foreign banks by reference and / or modification It will be possible to infer various implementation methods for the configuration of a system for opening an overseas remittance-only account, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to omit the implementation method for storing the electronic money transfer application opening document in the electronic document repository. It will be possible to infer the configuration of the system for opening a remittance-only account, and the electronic document repository is also transferred to the overseas remittance in addition to the implementation method shown in FIG. The implementation method provided in the DBMS located in the dedicated account opening system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, as shown in Figure 1, in the implementation method for generating the electronic funds transfer application opening document exclusively for the overseas remittance dedicated account opening application electronic document corresponding to the international funds transfer account opening application only dedicated to the international remittance Although illustrated and described as being generated on the server side on the account opening system, the present invention is by no means limited thereto, and the application for opening an overseas remittance-only account electronic document is an application for opening an overseas remittance-only account through a predetermined image acquisition device. It may be generated on the terminal side that has acquired the image content corresponding to the (e.g., the former advisory generation function provided on the server side is provided on the terminal side to generate the electronic money transfer account opening request electronic document), The present invention is not limited by this.

Hereinafter, the customer sends the overseas remittance in response to the application for opening an overseas remittance-only account and the application for opening a remittance-only account through a predetermined financial account opening interface on the overseas remittance-only account opening system shown in FIG. And a component corresponding to at least one or more means and / or functional configurations for creating a dedicated account and generating a predetermined foreign remittance dedicated account opening electronic document corresponding thereto and / or storing it in a predetermined electronic document repository. (100) ".

Referring to FIG. 1 according to an embodiment of the present invention, an overseas remittance-only account opening system for automatic remittance processing of a foreign currency deposited by a foreign customer to a designated overseas account may include at least one financial institution branch (or a branch). It characterized in that it comprises a terminal device 195 including a window terminal provided in the, the terminal device 195 is a financial company server 100 provided on the system for opening a foreign bank dedicated account through a predetermined financial network ) And the communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (business branch) for automatic remittance processing of the foreign currency amount deposited by the foreign customer to a designated overseas account, and is provided at the financial institution branch business branch. Application form for opening a designated account for the purpose of automatic remittance for the purpose of automatic remittance of the foreign currency deposited by the foreign customer through a designated counter (or through a cashier) to a designated overseas account (e.g. A document with a form for filling in at least one item of information for automatic remittance processing to an overseas account, wherein the customer is responsible for the transaction of the customer for legal grounds for the application for opening a remittance-only account. It is desirable to seal the seal.

Subsequently, when the customer submits the prepared overseas remittance-only account opening application to the teller, the teller acquires predetermined image content by scanning the application for opening a remittance-only account through a predetermined image acquisition device, Opening an overseas remittance-only account including at least one image content obtained in response to the application for opening an overseas remittance-only account, foreign customer information written in the overseas remittance-only account opening application, and foreign account information to be remitted through Entering (or selecting) the application information, the counter terminal corresponding to the financial company server 100 provided on the overseas remittance-only account opening system through the financial network the image content and the application for opening the remittance-only account abroad; It is desirable to send to.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is on the predetermined financial system 190 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the system for establishing an overseas remittance-only account as described above, an image acquisition device for acquiring image contents corresponding to the application for opening an exclusive remittance for an overseas remittance account created by the customer, a teller terminal used by the employee, the teller terminal and the financial company server The financial network connecting 100 performs a function of a financial account opening interface for the customer to register application information for opening an overseas remittance-only account for automatic remittance of the won amount deposited by the foreign customer to a designated overseas account. .

The storage medium 180 provided on the overseas remittance dedicated account opening system according to the present invention includes the foreign customer information included in the overseas remittance dedicated account opening application information provided from the terminal device 195 and the foreign account to be remitted. It is characterized in that for storing the foreign bank transfer dedicated account information including at least one information.

The foreign customer information may include personal information of the foreign customer (eg, foreign customer's name, foreign customer's passport number information, foreign customer's foreign address, domestic residence address, foreign phone number, domestic residence phone number, mobile phone number, e-mail address, Work information (eg, work name, business registration number, representative name, etc.) where the foreign customer works, and member information of the foreign customer (eg, the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system 190 linked to the overseas remittance-only account opening system. desirable.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 190 provided on the overseas remittance-only account opening system (or associated with the overseas remittance-only account opening system). Preferably, the storage medium 180 is a ledger D / B 185 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 185 The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the overseas remittance-only account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial company server 100 provided on the overseas remittance-only account opening system according to the present invention is a generic term for the components of the overseas remittance-only account opening system connected to the terminal device 195 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 190. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 190, and / or a program provided in the external system on the financial system 190, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network. It is characterized by.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the foreign client makes a deposit. Acquire an image content corresponding to an application for opening an overseas remittance-only account created by the customer through a predetermined image acquisition device provided in the terminal device 195 for automatically remitting the amount of won to a designated overseas account; Generate (or extract) at least one user interface for inputting (or selecting) overseas remittance-only account opening application information corresponding to the remittance-only account opening application and transmitting it to the financial institution server 100, and the interface unit 105 Interface providing unit 110 (or interface) for providing the generated (or extracted) user interface to the terminal device 195 in association with E) providing means and the terminal unit (195) via the user interface to input (or select) the foreign bank transfer dedicated account opening application information corresponding to the foreign bank transfer dedicated account opening application, the interface unit 105 Information receiving unit 115 (or information receiving means) for receiving the foreign money-only account opening application information transmitted from the terminal device 195 and the terminal device 195 based on the user interface. When the image content corresponding to the overseas remittance-only account opening application prepared by the customer is obtained and transmitted through a predetermined image acquisition device, the image content corresponding to the overseas remittance-only account opening application is linked to the interface unit 105. It is characterized by comprising an image receiving unit 120 (or image receiving means) for receiving.

The interface providing unit 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then the foreign customer is connected to the financial institution server 100. When requesting a user interface for automatic remittance processing of the amount of money to be deposited into a designated overseas account, an image corresponding to the application for opening an overseas remittance-only account created by the customer through a predetermined image acquisition device included in the terminal device 195. At least one user interface for acquiring content, inputting (or selecting) overseas remittance-only account opening application information corresponding to the overseas remittance-only account opening application, and transmitting the information to the financial institution server 100 through the financial network. Generated and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 105 A user interface (or extraction) is characterized in that provided in the terminal device 195 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the overseas remittance-only account opening application prepared by the customer through a predetermined image acquisition device, and corresponds to the overseas remittance-only account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) information for opening a remittance-only account for foreign remittance to the financial institution server 100 through the financial network is provided, As described above, image content corresponding to the overseas remittance-only account opening application prepared by the customer is acquired through a predetermined image acquisition device, and input (or selection) of the application for opening a remittance-only account corresponding to the overseas remittance-only account opening application. To generate a user interface for transmission to the financial institution server 100 The interface providing unit 110 may be omitted (or extracted) provided to the terminal device 195, and the present invention is not limited thereto.

Subsequently, the terminal device 195 inputs (or selects) an overseas remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted through the user interface, and the input (or selection). ) Transfers the application information for opening a dedicated foreign bank account opening account to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 and the terminal device 195. It is characterized in that for receiving the information about the application for opening an overseas remittance dedicated account transmitted from.

In addition, the terminal device 195 obtains the image content corresponding to the application for opening a remittance-only account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content is transferred to the financial network. Through the transmission to the financial institution server 100, in response to the image receiving unit 120 is characterized in that for receiving the image content corresponding to the application for opening an overseas remittance-only account linked to the interface unit 105. .

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image content corresponding to the application for opening an overseas remittance-only account created by the customer through a predetermined image acquisition device and is provided to the terminal device 195. When the terminal device 195 is previously stored in the predetermined (or associated) storage device, the terminal device 195 may request to open an overseas remittance-only account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select the image content corresponding to the transmission to the financial institution server 100 through the financial network, in response to the image receiving unit 120 in conjunction with the interface unit 105 in the overseas remittance-only account opening application form It is desirable to receive the corresponding image content.

According to another exemplary embodiment of the present invention, the terminal apparatus 195 transmits the image content corresponding to the overseas remittance-only account opening application created by the customer through the user interface and the overseas remittance corresponding to the overseas remittance-only account opening application. When the exclusive account opening application information is transmitted together, the information receiving unit 115 receives the image content corresponding to the overseas remittance dedicated account opening application together with the international remittance dedicated account opening application information in association with the interface unit 105. It is possible to (for example, the image receiving unit 120 is integrated into the information receiving unit 115 operating), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution server 100 receives the application for opening a remittance-only account for foreign remittance transmitted from the terminal device 195 through the information receiver 115, the financial institution server 100 opens the received overseas remittance-only account. It is characterized in that the application information is provided with a validity confirming unit 125 (or validity confirming means) for confirming whether the foreign currency amount deposited by the foreign customer satisfies the validity for automatic remittance processing to a specified overseas account.

According to the method of the present invention, the validity of the overseas remittance-only account opening application information to the foreign remittance dedicated account opening system in the ledger D / B 185 on the financial system 190 linked to the foreign remittance-only account It is preferable to include whether the at least one ledger information matching the establishment application information is registered.

For example, the validity of the overseas remittance-only account opening application information, the foreign customer information (customer personal information, member information, etc.) of the information contained in the overseas remittance-only account opening application information is the opening of the overseas remittance-only account It is preferably made to include matching with the customer ledger stored in the ledger D / B 185 on the financial system 190 associated with the system.

In addition, the verification of the validity of the information for the application for opening an overseas remittance-only account is linked to the system for opening an exclusive account for the remittance of a financial account corresponding to the information of the overseas account to be remitted, among the information included in the information for opening an exclusive remittance for the international remittance. It is preferably made to include whether it is established on the financial system 190 of the foreign financial institution.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and dedicates the overseas remittance through the validity checking unit 125. If the validity of the account opening application information is authenticated, the electronic document generation unit 130 (or electronic document generating means) for generating a predetermined electronic transfer account opening application electronic document containing the received image content, and the generation The electronic document transmission unit 135 (or an electronic document transmission means) for transmitting the electronic transfer application for opening the dedicated electronic document to the electronic document repository associated with the overseas remittance-only account opening system.

The electronic document generation unit 130 generates an electronic money transfer account opening request electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to the exemplary embodiment of the present invention, the electronic document generation unit 130 deposits the image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is, by the foreign customer. It is preferable to process the amount of won in an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to a designated overseas account.

Alternatively, the electronic document generation unit 130 may apply to the overseas remittance-only account opening application information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. Automatically transfer the amount of won paid by the foreign customer to the designated overseas account for the image file corresponding to the image content including at least one or more of the included foreign customer information and foreign account information to be remitted by watermarking. It is desirable to create an electronic document for the application for opening a remittance-only account.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing of the won amount to the designated overseas account.

Alternatively, the electronic document generation unit 130 may apply to the overseas remittance-only account opening application information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. Generates image content including at least one or more information of the foreign customer information included and foreign account information to be remitted by a watermarking method, and includes a predetermined document file (eg, PDF (Portable) including the generated image content. Original document deposited by the foreign customer by generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to generate an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to the designated overseas account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 may receive the image contents and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC) containing at least one document file containing information on the application for opening an overseas remittance-only account. , Or a web document file including MHT), it is preferable to generate an application for opening an overseas remittance-only account for automatic remittance processing to the designated overseas account.

Alternatively, the electronic document generation unit 130 may apply to the overseas remittance-only account opening application information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. Generates an image content including at least one or more information of the foreign customer information, including the foreign account information to be remitted by a watermarking method, the predetermined content including the generated image content and the application information for opening the foreign currency-only account; Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) Thereby, the application for opening an overseas remittance-only account for automatic remittance processing of the amount of won that the foreign customer deposits to the designated overseas account It is desirable to create a document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130 and the technical features to create an electronic document for the application for opening a remittance-only account in the image file format and / or a predetermined document file format and Since the technical features of the file format for the image file and / or the document file corresponding to the electronic transfer application electronic document opening application will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the electronic document for requesting to open an overseas remittance-only account generated by the electronic document generator 130 to a predetermined electronic document repository associated with the overseas remittance-only account opening system. Characterized in that.

As shown in FIG. 1, the electronic document repository is connected to a financial company server 100 on the overseas remittance-only account opening system and a predetermined electronic document server 155 and an electronic document D / B (associated with a predetermined communication means). 175), the electronic document transmission unit 135, the electronic document transmission application created by the electronic document generation unit 130, the electronic document opening application request electronic document generated by the electronic means through the communication means Characterized in that the transmission to the server (155).

Herein, when the electronic document server 155 and the electronic document D / B 175 are provided outside the overseas remittance-only account opening system, the electronic document server 155 and the electronic document D / B 175 are provided. ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the overseas remittance-only account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the electronic transfer application for opening the account dedicated to the foreign remittance dedicated account in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the foreign remittance dedicated account opening system, thereby limiting the present invention Not.

According to the method of the present invention, the electronic document transmission unit 135 is electronic document related information for generating predetermined electronic document management information in the electronic document server 155 (for example, overseas remittance corresponding to the image content) Information on foreign customers who have completed the application for opening a dedicated account, and / or information on the financial institution that transmits the electronic bank opening account, and / or the electronic document file format information, and / or the application for opening the international bank opening account, etc. It is possible to transmit to the electronic document storage including a), thereby the present invention is not limited.

Referring to FIG. 1, the financial institution server 100 designates an amount of won that the foreign customer deposits through the validity checker 125 for the application for opening a remittance-only account for foreign remittances received through the information receiver 115. If the validity for automatic remittance processing to an overseas account is authenticated, generating information for generating the financial account information based on the foreign customer information included in the application for opening a dedicated remittance account for overseas remittance and the overseas account information to be remitted A unit 140 (or information generating means) and an account opening unit 145 (or account opening means) for opening and processing a financial account in the customer's name including the financial account information is characterized by being provided.

When the validity of the overseas remittance-only account opening application information is confirmed by the validity confirming unit 125, the information generation unit 140 includes the foreign customer information included in the overseas remittance-only account opening application information, the overseas to be remitted The financial account information is generated based on the account information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the overseas remittance-only account opened based on the application information for opening the remittance-only account for foreign remittances. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

The account establishment unit 145 generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 190 (or a customer ledger matched with the foreign customer information and provided in advance. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to apply to the overseas remittance-only account opening application information. Correspondingly, a predetermined financial account for automatic remittance processing of the won amount of money that the foreign customer deposits is transferred to a designated overseas account.

According to an exemplary embodiment of the present invention, when the financial company server 100 and the financial system 190 exist in the same system, the account opening unit 145 is linked with the financial system 190 by the ledger D / B. At 185, it is desirable to create a predetermined ledger containing the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 190 exist on another system connected through a predetermined communication means, the account opening unit 145 may use predetermined communication means. It is preferable to request the ledger D / B 185 on the other financial system 190 to generate a predetermined account ledger including the financial account information through the external system on the financial system 190 through.

Referring to FIG. 1, the financial institution server 100 designates an amount of won that the foreign customer deposits through the validity checker 125 for the application for opening a remittance-only account for foreign remittances received through the information receiver 115. When the validity for automatic remittance processing is authenticated to an overseas account, the overseas remittance account information including at least one of the foreign customer information included in the application for opening a remittance account for overseas remittance and the foreign account information to be remitted is provided. An information storage unit 150 (or information storage means) for storing in a predetermined storage medium 180 is characterized in that it is made.

When the validity of the overseas remittance-only account opening application information is confirmed by the validity confirming unit 125, the information storage unit 150 may transfer the foreign customer information included in the overseas remittance-only account opening application information. Characterized in that the storage medium 180 is stored in the foreign remittance-only account information including at least one or more overseas account information.

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be configured as the storage medium 180. Preferably, the storage medium 180 stores the foreign remittance-only account information including at least one of the foreign customer information and the foreign account information to be remitted included in the application information for opening the foreign remittance-only account.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 190, the information storage unit 150 is applied to the application information for opening a foreign currency-only account. Overseas remittance-only account information including at least one of the foreign customer information and the foreign account information to be remitted is provided to the DBMS provided on the financial system 190 by providing the information system through an external system on the financial system 190. It is desirable to store.

Referring to FIG. 1, a predetermined foreign remittance-only account opening application electronic document is received from the financial institution server 100 provided on the overseas remittance-only account opening system, and stored in a predetermined electronic document D / B 175. The managing electronic document server 155 includes an electronic document receiving unit 160 (or electronic document receiving means) for receiving a predetermined overseas remittance-only account opening application electronic document from the financial institution server 100 through a predetermined communication means. And an information generation unit 165 (or information generating means) for generating predetermined electronic document management information for storing and managing the received electronic money transfer account opening application electronic document in the electronic document D / B 175. And an electronic document storage unit 170 (or electronic document storage means) for linking and processing the electronic document management information and the electronic document opening request application for electronic money transfer in a predetermined electronic document D / B 175. It is characterized by made.

The electronic document receiving unit 160 is characterized in that for receiving the application for opening an overseas transfer-only account in the form of an image file and / or document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 160 receives an overseas remittance-only account opening request electronic document received through the communication means, the image being received by the financial institution server 100 from the terminal device 195. It is preferable to include an image file including content as it is.

Alternatively, the electronic document receiving unit 160 receives the overseas remittance-only account opening request electronic document received through the communication means dedicated to the international remittance to the image content received by the financial institution server 100 from the terminal device (195). It is preferable to include an image file corresponding to the image content including at least one or more of the foreign customer information included in the account opening application information, the foreign account information to be remitted by the watermarking method.

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives an overseas remittance-only account opening request electronic document received through the communication means, which the financial institution server 100 receives from the terminal device 195. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the electronic document receiving unit 160 receives a request for opening an overseas remittance-only account through the communication means. The electronic document is the overseas remittance-only account on the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one or more of foreign customer information included in the application for opening information and foreign account information to be remitted in a watermarking manner. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document receiving unit 160 receives an overseas remittance-only account opening request electronic document received through the communication means from the financial institution server 100 from the terminal device 195. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including one image content and the application information for opening an overseas remittance-only account. Word processor files, or web document files containing MHT).

Alternatively, the electronic document receiving unit 160 receives a request for opening an overseas remittance-only account through the communication means. The electronic document is the overseas remittance-only account on the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file including image contents including at least one or more of foreign customer information included in the application for opening information and information on the overseas account to be remitted by a watermarking method and information on the application for opening the exclusive account for overseas remittance ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

The information generating unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the foreign remittance-only account opening request electronic document received through the electronic document receiving unit 160, and the electronic document receiving unit 160 Electronic document management information, including electronic document storage date and time information including the date and time (or the date and time the foreign bank dedicated account opening application electronic document was stored) received the electronic funds transfer account opening request via It is characterized by generating.

According to the exemplary embodiment of the present invention, the information generating unit 165 refers to the overseas financial company server 100 that has transmitted the electronic document opening application request electronic document received through the electronic document receiving unit 160 to the overseas It is preferable to check the financial institution that has sent the electronic document for remittance-only application and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160, the information generating unit 165 may receive the received electronic document. Document-related information (e.g., foreign customer information for which an application for opening an overseas remittance dedicated account corresponding to the image content is made, and / or financial institution information for transmitting the overseas remittance dedicated account opening application, and / or an electronic document file format) Information, and / or the electronic document management information further including the overseas remittance-only account opening application information).

The electronic document storage unit 170 processes the electronic document management information generated through the information generation unit 165 and the electronic document opening request application for electronic money transfer received through the electronic document receiving unit 160 in a predetermined manner. The electronic document is stored in the D / B 175.

According to the exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic money transfer account opening request electronic document stored in the electronic document D / B 175 in which the financial institution server 100 includes the terminal device ( It is preferable that the image file including the image content received from the 195 is included as it is.

Alternatively, the electronic document storage application 170, the electronic document storage request application for opening foreign banks stored in the electronic document D / B (175) is the image received by the financial institution server 100 from the terminal device (195) It is preferable that the contents include image files corresponding to image contents including at least one or more of the foreign customer information included in the overseas remittance-only account opening application information, the overseas account information to be remitted by a watermarking method. Do.

According to another embodiment of the present invention, the electronic document storage unit 170, the electronic document storage application stored in the electronic document D / B (175) application for opening an electronic bank dedicated account open the financial company server 100 the terminal device A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from 195; Or a web document file including the MHT).

Alternatively, the electronic document storage application 170, the electronic document storage request application for opening foreign banks stored in the electronic document D / B (175) is the image content received by the financial institution server 100 from the terminal device (195) Predetermined document files (e.g., PDFs) containing image contents including at least one or more of the foreign customer information included in the application for opening an overseas remittance-only account and information on the overseas account to be remitted in a watermarking manner. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic money transfer account opening request electronic document stored in the electronic document D / B 175, the financial company server 100 is the terminal. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the device 195 and the application information for opening an overseas transfer-only account. And a word processor file including at least one or a web document file including MHT).

Alternatively, the electronic document storage application 170, the electronic document storage request application for opening foreign banks stored in the electronic document D / B (175) is the image content received by the financial institution server 100 from the terminal device (195) At least one of the foreign customer information included in the application information for opening the overseas remittance account, foreign account information to be remitted in the watermarking method including the image content and the foreign remittance dedicated account opening application information including A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

According to the implementation method of the present invention, the electronic document storage unit 170, the electronic document management information stored in the electronic document D / B (175) in connection with the overseas remittance-only account opening request electronic document is stored in the overseas It is preferable to include a predetermined electronic document unique number (or unique information) assigned to a remittance-only account opening application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic document D / B 175 in association with the electronic money transfer account opening request electronic document and stores the electronic document, It is preferable to further include information on the financial institution that has transmitted the overseas remittance-only account opening application electronic document confirmed with reference to the financial institution server 100 that sent the application for opening the overseas remittance-only account.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 170 processes the link with the electronic document opening application electronic document opening application. The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, foreign customer information for creating an application for opening an overseas remittance-only account corresponding to the image content, and / or Financial institution information, and / or electronic document file format information, and / or the overseas remittance-only account opening request information, etc.) for transmitting the electronic document for the foreign remittance dedicated account opening application.

2 is a view illustrating an embodiment of a method in which a storage medium 180 for storing overseas remittance-only account information corresponding to an overseas remittance-only account opened in a face-to-face manner is provided in a DBMS on a financial system 190 according to an embodiment of the present invention. Figure is shown.

In more detail, in FIG. 2, the storage medium 180 shown in FIG. 1 is the ledger D / B 185 provided in the DBMS on the financial system 190 or the ledger D / B 185. In this case, the information structure for an embodiment of the method for storing the overseas remittance-only account information in the ledger information provided in the ledger D / B (185), the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer a variety of information configuration method for storing the foreign bank transfer dedicated account information in the ledger D / B (185) by referring to and / or modified in this figure 2, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 185 provided in the DBMS on the financial system 190 is linked to a predetermined customer ledger and the customer ledger. An account ledger corresponding to a financial account opened through an overseas remittance-only account opening system shown in FIG. 1 and at least one information associated with the account ledger are included, which is common in the art. If you have knowledge, the ledger D / B (185) provided in the DBMS on the financial system 190 has at least one ledger (for example, the receiving ledger, the loan ledger, in addition to the customer ledger and account ledger shown in Figure 2) , And / or at least one additional information for maintaining and managing the ledgers. Because be aware group the technological requirements, a detailed description thereof will be 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 in a relational manner, and as a ledger corresponding to the financial account, account number (or securities 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical received information including at least one term extension, expiration date and target amount, and / or at least one of an account number, a deposit amount, par value, pension date and number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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, which includes an implementation method provided in the ledger D / B 185 or the ledger D / B 185 according to an embodiment of the present invention, Sending the foreign bank account information including at least one foreign customer information included in the application for opening a bank account for foreign banks provided through the system for opening a bank account for foreign money banks shown in FIG. And is stored in the form of additional information to be added.

The foreign customer information may include personal information of the foreign customer (eg, foreign customer's name, foreign customer's passport number information, foreign customer's foreign address, domestic residence address, foreign phone number, domestic residence phone number, mobile phone number, e-mail address, Work information (eg, work name, business registration number, representative name, etc.) where the foreign customer works, and member information of the foreign customer (eg, the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system 190 linked to the overseas remittance-only account opening system. desirable.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

According to another exemplary embodiment of the present invention, the application for opening an overseas remittance-only account is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (for example, a customer ledger). Additional information added to the), and / or in addition to the account ledger can be stored in the form of a separate independent ledger, thereby the present invention is not limited.

Figure 3 is a ledger D provided in the DBMS on the financial system 190 has a storage medium 180 for storing the foreign remittance-only account information corresponding to the foreign remittance-only account opened in a face-to-face according to another embodiment of the present invention A diagram illustrating an implementation method including a database associated with / B 185.

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 180 shown in FIG. 1 includes a predetermined database linked to the ledger D / B 185 provided in the DBMS on the financial system 190. As shown in FIG. 3, if the person skilled in the art of the present invention belongs to the present invention, reference to and / or modification of FIG. 185 may be inferred from various information construction methods to be stored in association with the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the foreign money transfer account information in the ledger information of the ledger D / B 185 on the DBMS provided on the financial system 190 (for example, the policy of a financial institution). If it is not easy to change the ledger D / B 185 of the phase DBMS or if the system expansion is not easy due to the characteristics of the financial system 190), the predetermined database may be used instead of the ledger D / B 185. A method of storing overseas remittance-only account information and interworking the database with the ledger D / B 185 is shown.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system 190 as in the embodiment shown in FIG. 3, and a database on the Internet banking system according to the intention of a person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 180 includes a database associated with the ledger D / B 185 provided in the DBMS on the financial system 190. And storing the foreign remittance account information including at least one of the foreign customer information and the foreign account information to be remitted included in the foreign remittance dedicated account opening application information, and the foreign remittance account information is the ledger D. It is preferable that the CIF number corresponding to the ledger information is further included in the overseas remittance-only account information to be processed in conjunction with / B 185.

The foreign customer information may include personal information of the foreign customer (eg, foreign customer's name, foreign customer's passport number information, foreign customer's foreign address, domestic residence address, foreign phone number, domestic residence phone number, mobile phone number, e-mail address, Work information (eg, work name, business registration number, representative name, etc.) where the foreign customer works, and member information of the foreign customer (eg, the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system 190 linked to the overseas remittance-only account opening system. desirable.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

Figure 4 is an implementation method comprising a DBMS provided in the banking server storage medium 180 for storing the information for the foreign remittance dedicated account corresponding to the overseas remittance dedicated account opened in a face-to-face according to another embodiment of the present invention Figure is a diagram.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 180 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 Although it may be possible to infer a method of configuring information on the information of the foreign remittance-only account stored in a predetermined DBMS, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, wherein the storage medium 180 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server may open the overseas remittance-only account. Characterized in that the foreign customer information included in the application information and the foreign bank account information including at least one or more foreign account information to be remitted, characterized in that for storing the information.

The foreign customer information may include personal information of the foreign customer (eg, foreign customer's name, foreign customer's passport number information, foreign customer's foreign address, domestic residence address, foreign phone number, domestic residence phone number, mobile phone number, e-mail address, Work information (eg, work name, business registration number, representative name, etc.) where the foreign customer works, and member information of the foreign customer (eg, the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more of member ID information, CIF (Customer Information File), etc. included in the customer ledger provided on the financial system 190 linked to the overseas remittance-only account opening system. desirable.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

5A and 5B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer in a face-to-face manner according to an exemplary embodiment of the present invention.

5a and 5b show a terminal terminal 195 on the overseas remittance-only account opening system shown in FIG. 1, which is provided at a branch of a financial institution (or a branch), and the financial company server 100 In the case of having a ledger server (not shown) function on the financial system 190 linked to a counter terminal through a predetermined financial network, a predetermined customer automatically transfers the won amount to be paid by a foreign customer to a designated overseas account. In order to open an overseas remittance-only account for foreigners, a foreign remittance-only account opening application form including at least one foreign customer information and overseas account information to be remitted should be completed and submitted by the financial institution. As a system configuration for opening and processing an overseas remittance dedicated account in a face-to-face manner, specifically, the customer sends the overseas remittance. When the application for opening a bank account is prepared and submitted to the counter, the counter terminal acquires predetermined image contents corresponding to the overseas remittance-only account opening application through a predetermined image acquisition device and transmits the predetermined image content to the financial institution server 100. Subsequently, when inputting (or selecting) information on the application for opening an overseas remittance-only account corresponding to the application for opening an overseas remittance-only account and transmitting the information to the financial institution server 100, the foreign client information may be remitted from the financial institution server 100. The implementation method of opening and processing the overseas remittance-only account based on the application information for opening the remittance-only account including at least one overseas account information is shown.

Those skilled in the art to which the present invention pertains, refer to and / or modify the drawings 5a and 5b to register the application information for opening the transfer-only account opening account with the financial company server 100 at the window terminal. Various implementation methods 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. 5A and 5B.

For example, although the embodiment shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas remittance-only account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the implementation method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the application for opening an overseas remittance-only account through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) an overseas remittance-only account opening application information corresponding to the overseas remittance-only account opening application is illustrated and described as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, an overseas remittance-only account is opened that includes at least one foreign customer information and foreign account information to be remitted to a specified overseas account for a predetermined customer to automatically transfer the won amount deposited by a foreign customer to a designated overseas account. After filling out and submitting the application form, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for automatic remittance processing to the designated overseas account for the amount of money to be deposited (500), the server corresponding to the request for opening an overseas remittance-only account created by the customer through a predetermined image acquisition device in the terminal; User interface for acquiring the corresponding predetermined image content and transmitting it to the server Generate (or extract), and 505, and outputs through the financial network transmitting user interface the generated (or extracted) to the mobile station (510).

Thereafter, the terminal acquires image content corresponding to the application for opening an overseas remittance-only account through a predetermined image acquisition device based on the user interface (515).

If the image content corresponding to the application for opening an overseas remittance dedicated account is acquired through the image acquisition device (520), the terminal transmits the acquired image content to the server through the financial network (525).

Subsequently, the server inputs (or selects) foreign customer information corresponding to an application for opening an overseas remittance-only account matched with the image content and foreign remittance-only account opening application information including at least one or more foreign account information to be remitted. A user interface for transmitting to a server is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (535).

Thereafter, the terminal inputs (or selects) foreign remittance-only account opening application information including at least one or more foreign customer information and foreign account information to be remitted through the user interface (540).

If an application for opening a remittance-only account for foreign remittance including at least one of the foreign customer information and the foreign account information to be remitted through the user interface is input (or selected) (545), the terminal transmits the server through the financial network. In step 550, the application information for opening a foreign currency-only account is input (or selected).

Thereafter, the server receives and reads the foreign remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted through the financial network to validate the validity of the foreign remittance-only account opening application information. Check (555).

According to the method of the present invention, the validity of the overseas remittance-only account opening application information to the foreign remittance dedicated account opening system in the ledger D / B 185 on the financial system 190 linked to the foreign remittance-only account It is preferable to include checking whether at least one or more ledger information matching the opening application information is registered.

For example, the validity of the overseas remittance-only account opening application information, the foreign customer information (customer personal information, member information, etc.) of the information contained in the overseas remittance-only account opening application information is the opening of the overseas remittance-only account It is preferably made to include matching with the customer ledger stored in the ledger D / B 185 on the financial system 190 associated with the system.

In addition, the verification of the validity of the information for the application for opening an overseas remittance-only account is linked to the system for opening an exclusive account for the remittance of a financial account corresponding to the information of the overseas account to be remitted, among the information included in the information for opening an exclusive remittance for the international remittance. It is preferably made to include whether it is established on the financial system 190 of the foreign financial institution.

If the validity of the overseas remittance-only account opening application information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), and the foreign remittance-only account opening application information Do not carry out the procedures for opening a corresponding overseas remittance-only account.

On the other hand, if the validity of the overseas remittance-only account opening application information is authenticated (560), the server generates a predetermined foreign remittance-only account opening application electronic document containing the image content (570).

According to an exemplary embodiment of the present invention, the server may designate a foreign currency amount in which the foreign customer deposits an image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is. It is preferable to process the electronic document for the application for opening a remittance-only account for automatic remittance to the account.

Alternatively, the server may include foreign customer information included in the application information for opening a foreign currency-only account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120; Overseas remittance-only account for the automatic remittance processing of the foreign currency deposit by the foreign customer to an image file corresponding to an image content including at least one or more information of the foreign account information to be remitted by watermarking It is desirable to create an electronic application for the opening application.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to the account.

Alternatively, the server may include foreign customer information included in the application information for opening a foreign currency-only account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120; Generating image contents including at least one or more information of the foreign account information to be remitted by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image contents, or Generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby transferring the amount of Korean won deposited by the foreign customer to a designated overseas account. It is preferable to generate an electronic document for the application for opening a remittance-only account for automatic remittance processing.

According to another exemplary embodiment of the present invention, the server opens the overseas remittance-only account received through the image receiving unit and the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an application for opening an overseas remittance-only account for automatic remittance processing to the designated overseas account.

Alternatively, the server may include foreign customer information included in the application information for opening a foreign currency-only account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120; A predetermined document file (for example, generating image content including at least one or more information of the overseas account information to be remitted in a watermarking manner) and including the generated image content and the application for opening an overseas remittance-only account (eg, The foreign customer by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) Generate an electronic document for requesting to open an account for the purpose of automatic transfer of funds to the designated overseas account. It is desirable.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic money transfer account open request electronic document in the image file format and / or a predetermined document file format, and the foreign money transfer account You will be familiar with the technical features of the file format for image files and / or document files that correspond to the opening application electronic document, so the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening application electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the overseas remittance-only account opening system through predetermined communication means. When provided to the outside, the server transmits the generated foreign wire transfer dedicated account opening electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance-only account opening system, the server is provided with the generated foreign remittance-only account opening application electronic document in the overseas remittance-only account opening system. It is possible to store in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS, by which the present invention is not limited.

According to the implementation method of the present invention, storing the electronic money transfer account opening application electronic document storage in the electronic document storage, the link between the generated foreign money transfer dedicated account opening application electronic document and the predetermined electronic document management information and the It is preferable to include storing in the electronic document D / B (175) shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic money transfer application electronic document.

The electronic document management information may be configured to transmit predetermined electronic document-related information (for example, foreign customer information for creating an overseas remittance-only account opening application corresponding to the image content, and / or the electronic remittance application for opening the foreign-only account). Financial institution information, and / or electronic document file format information, and / or information about opening a remittance-only account, etc.).

If the electronic document storage request electronic document opening application electronic document is stored in the electronic document storage (580), the server is based on the foreign customer information included in the foreign money transfer dedicated account opening application information, the foreign account information to be remitted based on the financial information Create account information (585).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the overseas remittance-only account opened based on the application information for opening the remittance-only account for foreign remittances. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Subsequently, the server is linked to the financial system 190 to finance the customer's name including the financial account information based on the foreign customer information included in the application for opening an overseas remittance-only account and the foreign account information to be remitted. The account is opened (590).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 190 (or is matched with the foreign customer information and is provided with a pre-installation). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby establishing the overseas remittance-only account. In response to the application information, the foreign currency amount deposited by the foreign customer is characterized in that the opening of the predetermined financial account for automatic remittance processing to the designated overseas account.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the financial account information to the ledger D / B 185 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 190 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates overseas remittance-only account information including at least one of the foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted and stores it in a predetermined storage medium 180. (595)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network connected with the server, the server includes the received foreign money-only account opening application information. Preferably, the storage medium 180 stores the foreign remittance-only account information including at least one foreign customer information and foreign account information to be remitted.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 190, the server may include the foreign customer included in the received application for opening a foreign currency-only account. It is preferable to provide foreign remittance-only account information including at least one information and foreign account information to be remitted as an information system through an external system on the financial system 190 and to store it in a DBMS provided on the financial system 190. .

Thereafter, the server stores predetermined financial account opening history information (for example, the overseas remittance-only account opening history, and / or the history of storing the overseas remittance-only account opening application electronic document in the electronic document repository, and / or the storage). A history of storing the application information for opening a dedicated account for overseas remittance on the medium 180 is generated (or extracted) and transmitted to the terminal (599).

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 190 provided on the overseas remittance-only account opening system (or associated with the overseas remittance-only account opening system). Preferably, the storage medium 180 is a ledger D / B 185 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 185 The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign remittance-only account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

6A and 6B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals provided with a terminal device 195 on an overseas remittance-only account opening system shown in FIG. 1 at a financial institution branch (or a branch). In the case of having a ledger server (not shown) function on the financial system 190 linked to a counter terminal through a predetermined financial network, a predetermined customer automatically transfers the won amount to be paid by a foreign customer to a designated overseas account. In order to open an overseas remittance-only account for foreigners, fill out and submit an application for opening an overseas remittance-only account including at least one foreign customer information and foreign account information to be remitted. As a system configuration for opening and processing a dedicated overseas remittance account on a face-to-face basis, specifically, the customer sends the overseas remittance. After filling out the application for opening a bank account and submitting it to the counter, the counter terminal inputs (or selects) an application for opening a remittance-only account corresponding to the request for opening a remittance-only overseas account and transmits it to the financial institution server 100. Subsequently, when a predetermined image content corresponding to the overseas remittance-only account opening application is obtained through a predetermined image acquisition device and transmitted to the financial institution server 100, the foreign client information may be remitted from the financial institution server 100. The implementation method of opening and processing the overseas remittance-only account based on the application information for opening the remittance-only account including at least one overseas account information is shown.

Those skilled in the art to which the present invention pertains to refer to and / or modify the drawings 6a and 6b to register the application information for opening the transfer-only account opening account with the financial company server 100 at the window terminal. Various implementation methods 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. 6A and 6B.

For example, although the embodiment shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas remittance-only account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the implementation method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the overseas remittance-only account opening application through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) an overseas remittance-only account opening application information corresponding to the overseas remittance-only account opening application is illustrated and described as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The foreign customer information transmitted to the financial institution server 100, the foreign account information to be remitted is referred to as "overseas remittance-only account opening application information" for convenience.

Referring to FIGS. 6A and 6B, an overseas remittance-only account is opened that includes at least one foreign customer information and foreign account information to be remitted to a specified overseas account for a predetermined customer to automatically transfer the won amount deposited by a foreign customer to a designated overseas account. After completing and submitting the application form, the window terminal shown in FIG. 1 deposits a foreign customer corresponding to the application for opening an overseas remittance-only account while accessing the server through a predetermined financial network and connecting a predetermined communication channel. When requesting a user interface for automatic remittance processing to the designated overseas account to the won amount (600), the server corresponding to the foreign customer information corresponding to the application for opening a remittance-only account created by the customer, foreign account information to be remitted Enter (or select) application information for opening a remittance-only account that includes at least one Generating a user interface for transmission to the server group (or extract), and 605, and outputs through the financial network transmitting the generated user interface (or extract) to the mobile station (610).

Thereafter, the terminal inputs (or selects) foreign remittance-only account opening application information including at least one or more foreign customer information and foreign account information to be remitted through the user interface (615).

If an application for opening a remittance-only account for foreign remittance including at least one of the foreign customer information and foreign account information to be remitted through the user interface is input (or selected) (620), the terminal receives the server through the financial network. In step 625, the application information for opening a bank-only account is entered (or selected).

Thereafter, the server receives and reads the foreign remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted through the financial network to validate the validity of the foreign remittance-only account opening application information. Check (630).

According to the method of the present invention, the validity of the overseas remittance-only account opening application information to the foreign remittance dedicated account opening system in the ledger D / B 185 on the financial system 190 linked to the foreign remittance-only account It is preferable to include whether the at least one ledger information matching the establishment application information is registered.

For example, the validity of the overseas remittance-only account opening application information, the foreign customer information (customer personal information, member information, etc.) of the information contained in the overseas remittance-only account opening application information is the opening of the overseas remittance-only account It is preferably made to include matching with the customer ledger stored in the ledger D / B 185 on the financial system 190 associated with the system.

In addition, the verification of the validity of the information for the application for opening an overseas remittance-only account is linked to the system for opening an exclusive account for the remittance of a financial account corresponding to the information of the overseas account to be remitted, among the information included in the information for opening an exclusive remittance for the international remittance. It is preferably made to include whether it is established on the financial system 190 of the foreign financial institution.

If the validity of the overseas remittance-only account opening application information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640), and the foreign remittance-only account opening application information Do not carry out the procedures for opening a corresponding overseas remittance-only account.

On the other hand, if the validity of the overseas remittance-only account opening application information is authenticated (635), the server receives a predetermined image content corresponding to the overseas remittance-only account opening application prepared by the customer through a predetermined image acquisition device in the terminal. A user interface for obtaining and transmitting to the server is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the application for opening an overseas remittance-only account through a predetermined image acquisition device based on the user interface (655).

If the image content corresponding to the application for opening an overseas remittance dedicated account is acquired through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server that receives the overseas remittance-only account opening application information and the image content from the terminal generates a predetermined foreign remittance-only account opening request electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server may designate a foreign currency amount in which the foreign customer deposits an image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is. It is preferable to process the electronic document for the application for opening a remittance-only account for automatic remittance to the account.

Alternatively, the server may include foreign customer information included in the application information for opening a foreign currency-only account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120; Overseas remittance-only account for the automatic remittance processing of the foreign currency deposit by the foreign customer to an image file corresponding to an image content including at least one or more information of the foreign account information to be remitted by watermarking It is desirable to create an electronic application for the opening application.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, PDF (Portable Document Format) including the image content received from the terminal device 195 through the image receiving unit 120). File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby specifying the amount of won to be deposited by the foreign customer. It is preferable to generate an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to an overseas account.

Alternatively, the server may include foreign customer information included in the application information for opening a foreign currency-only account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120; Generating image contents including at least one or more information of the foreign account information to be remitted by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image contents, or Generating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby transferring the amount of Korean won deposited by the foreign customer to a designated overseas account. It is preferable to generate an electronic document for the application for opening a remittance-only account for automatic remittance processing.

According to another exemplary embodiment of the present invention, the server opens the overseas remittance-only account received through the image receiving unit and the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an application for opening an overseas remittance-only account for automatic remittance processing to the designated overseas account.

Alternatively, the server may include foreign customer information included in the application information for opening a foreign currency-only account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120; A predetermined document file (for example, generating image content including at least one or more information of the overseas account information to be remitted in a watermarking manner) and including the generated image content and the application for opening an overseas remittance-only account (eg, The foreign customer by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) Generate an electronic document for requesting to open an account for the purpose of automatic transfer of funds to the designated overseas account. It is desirable.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an application for opening an international remittance-only account in the image file format and / or a predetermined document file format, and the foreign remittance-only account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the overseas remittance-only account opening system through predetermined communication means. When provided to the outside, the server transmits the generated foreign wire transfer dedicated account opening electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance-only account opening system, the server is provided with the generated foreign remittance-only account opening application electronic document in the overseas remittance-only account opening system. It is possible to store in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS, by which the present invention is not limited.

According to the implementation method of the present invention, storing the electronic money transfer account opening request electronic document in the electronic document storage, the process of linking the generated foreign money transfer dedicated account opening application electronic document with the predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175) shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic money transfer application electronic document.

The electronic document management information may be configured to transmit predetermined electronic document-related information (for example, foreign customer information for creating an overseas remittance-only account opening application corresponding to the image content, and / or the electronic remittance application for opening the foreign-only account). Financial institution information, and / or electronic document file format information, and / or information about opening a remittance-only account, etc.).

If the electronic document storage application electronic document opening request electronic document is stored (680), the server is based on the foreign customer information contained in the foreign bank transfer account opening application information, the foreign account information to be remitted The financial account information is generated (685).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the overseas remittance-only account opened based on the application information for opening the remittance-only account for foreign remittances. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Subsequently, the server is linked to the financial system 190 to finance the customer's name including the financial account information based on the foreign customer information included in the application for opening an overseas remittance-only account and the foreign account information to be remitted. Open account (690).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 190 (or is matched with the foreign customer information and is provided with a pre-installation). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby establishing the overseas remittance-only account. In response to the application information, the foreign currency amount deposited by the foreign customer is characterized in that the opening of the predetermined financial account for automatic remittance processing to the designated overseas account.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the financial account information to the ledger D / B 185 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 190 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates overseas remittance-only account information including at least one of the foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted and stores it in a predetermined storage medium 180. (695)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network connected with the server, the server includes the received foreign money-only account opening application information. Preferably, the storage medium 180 stores foreign money transfer-only account information including at least one foreign customer information and foreign account information to be remitted.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 190, the server may include the foreign customer included in the received application for opening a foreign currency-only account. It is preferable to provide foreign remittance-only account information including at least one information and foreign account information to be remitted as an information system through an external system on the financial system 190 and to store it in a DBMS provided on the financial system 190. .

Thereafter, the server stores predetermined financial account opening history information (for example, the overseas remittance-only account opening history, and / or the history of storing the overseas remittance-only account opening application electronic document in the electronic document repository, and / or the storage). In the medium 180, the details of storing the application information for opening a dedicated account for remittance abroad are generated (or extracted) and transmitted to the terminal (699).

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 190 provided on the overseas remittance-only account opening system (or associated with the overseas remittance-only account opening system). Preferably, the storage medium 180 is a ledger D / B 185 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 185 The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign remittance-only account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

7A and 7B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount to be paid by a foreign customer in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals provided with a terminal device 195 on the overseas remittance-only account opening system shown in FIG. 1 at a financial institution branch (or a branch), and the financial company server 100 In the case of having a ledger server (not shown) function on the financial system 190 linked to a counter terminal through a predetermined financial network, a predetermined customer automatically transfers the won amount to be paid by a foreign customer to a designated overseas account. In order to open an overseas remittance-only account for foreigners, fill out and submit an application for opening an overseas remittance-only account including at least one foreign customer information and at least one foreign account information to be remitted. As a system configuration for opening and processing a dedicated overseas remittance account on a face-to-face basis, specifically, the customer sends the overseas remittance. When a bank account opening application form is prepared and submitted to the counter, the window terminal acquires predetermined image contents corresponding to the overseas bank transfer application opening application through a predetermined image acquisition device, After inputting (or selecting) corresponding foreign remittance-only account opening application information, the image content and the overseas remittance-only account opening application information are transmitted to the financial institution server 100, and the foreign financial institution server 100 transmits the information. It illustrates an implementation method of opening and processing the overseas remittance-only account based on the application information for opening the remittance-only account including at least one of customer information and foreign account information to be remitted.

Those skilled in the art to which the present invention pertains, refer to and / or modify the drawings 7a and 7b to register the application information for opening the overseas remittance-only account to the financial company server 100 at the window terminal. Various implementation methods 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. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas remittance-only account and storing it in an electronic document storage, the process is intended by those skilled in the art. Can be omitted according to the present invention, thereby not limited.

In addition, in the implementation method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal receives predetermined image contents corresponding to the application for opening an overseas remittance-only account through a predetermined image acquisition device. Although the user interface for acquiring (or selecting) an overseas remittance-only account opening application information corresponding to the overseas remittance-only account opening application is illustrated and described as being provided from the financial institution server 100, the counter terminal When a predetermined information registration program is provided, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The foreign customer information transmitted to the financial institution server 100, the foreign account information to be remitted is referred to as "overseas remittance-only account opening application information" for convenience.

Referring to FIGS. 7A and 7B, an overseas remittance-only account is opened that includes at least one foreign customer information and foreign account information to be remitted to a specified overseas account for a predetermined customer to automatically transfer the won amount deposited by a foreign customer to a designated overseas account. After filling out and submitting the application form, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel. When requesting a user interface for automatic remittance processing to the designated overseas account for the amount of won to be deposited (700), in response, the server opens an overseas remittance-only account corresponding to the application for opening a remittance-only account created by the customer in the terminal. Enter (or select) application information, and use the overseas remittance-only account through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the application form to the server (705), and transmit the generated (or extracted) user interface to the terminal through the financial network. And output (710).

Thereafter, the terminal inputs (or selects) foreign remittance-only account opening application information including at least one or more foreign customer information and foreign account information to be remitted through the user interface (715).

If the foreign remittance-only account opening application information including at least one or more foreign customer information, the foreign account information to be remitted through the user interface is input (or selected) (720), the terminal is predetermined based on the user interface An image content corresponding to the application for opening an overseas remittance dedicated account is obtained through the image acquisition device of the operation 725.

If the image content corresponding to the overseas remittance dedicated account opening application is obtained through the image acquisition device (730), the terminal transmits the foreign remittance dedicated account opening application information and the image content to the server through the financial network. (735).

Thereafter, the server receives and reads the foreign remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted through the financial network to validate the validity of the foreign remittance-only account opening application information. Check (740).

According to the method of the present invention, the validity of the overseas remittance-only account opening application information to the foreign remittance dedicated account opening system in the ledger D / B 185 on the financial system 190 linked to the foreign remittance-only account It is preferable to include whether the at least one ledger information matching the establishment application information is registered.

For example, the validity of the overseas remittance-only account opening application information, the foreign customer information (customer personal information, member information, etc.) of the information contained in the overseas remittance-only account opening application information is the opening of the overseas remittance-only account It is preferably made to include matching with the customer ledger stored in the ledger D / B 185 on the financial system 190 associated with the system.

In addition, the verification of the validity of the information for the application for opening an overseas remittance-only account is linked to the system for opening an exclusive account for the remittance of a financial account corresponding to the information of the overseas account to be remitted, among the information included in the information for opening an exclusive remittance for the international remittance. It is preferably made to include whether it is established on the financial system 190 of the foreign financial institution.

If the validity of the overseas remittance-only account opening application information is not authenticated (745), the server generates predetermined financial account error information and transmits it to the terminal (750), and the foreign remittance-only account opening application information Do not carry out the procedures for opening a corresponding overseas remittance-only account.

On the other hand, if the validity of the overseas remittance-only account opening application information is authenticated (745), the server generates a predetermined electronic transfer dedicated account opening application electronic document containing the image content (755).

According to an exemplary embodiment of the present invention, the server may designate a foreign currency amount in which the foreign customer deposits an image file including the image content received from the terminal device 195 through the image receiving unit 120 as it is. It is advisable to use the electronic document to apply for the opening of an account for overseas remittance for automatic remittance to the account.

Alternatively, the server may include foreign customer information included in the application information for opening a foreign currency-only account received through the information receiver 115 in the image content received from the terminal device 195 through the image receiver 120; Overseas remittance-only account for the automatic remittance processing of the foreign currency deposit by the foreign customer to an image file corresponding to an image content including at least one or more information of the foreign account information to be remitted by watermarking It is desirable to create an electronic application for the opening application.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to the account.

Alternatively, the server may include the foreign customer information included in the application information for opening a foreign currency-only account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one or more information of the foreign account information to be remitted in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is preferable to generate an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing.

According to another exemplary embodiment of the present invention, the server opens the overseas remittance-only account received through the image receiving unit and the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc., it is preferable to generate an application for opening an overseas remittance-only account for automatic remittance processing to the designated overseas account.

Alternatively, the server may include the foreign customer information included in the application information for opening a foreign currency-only account received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file (eg, generating an image content including at least one or more information of the overseas account information to be remitted by a watermarking method) and including the generated image content and the application for opening an overseas remittance-only account (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Generate an electronic document for the application for opening a bank account for overseas remittance for automatic remittance to the designated overseas account. It is desirable.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic money transfer account open request electronic document in the image file format and / or a predetermined document file format, and the foreign money transfer account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created electronic money transfer account opening application electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the overseas remittance-only account opening system through predetermined communication means. When provided to the outside, the server transmits the generated foreign wire transfer dedicated account opening electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance-only account opening system, the server is provided with the generated foreign remittance-only account opening application electronic document in the overseas remittance-only account opening system. It is possible to store in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS, by which the present invention is not limited.

According to the implementation method of the present invention, storing the electronic money transfer account opening request electronic document in the electronic document storage, the process of linking the generated foreign money transfer dedicated account opening application electronic document with the predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175) shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic money transfer application electronic document.

The electronic document management information may be configured to transmit predetermined electronic document-related information (for example, foreign customer information for creating an overseas remittance-only account opening application corresponding to the image content, and / or the electronic remittance application for opening the foreign-only account). Financial institution information, and / or electronic document file format information, and / or information about opening a remittance-only account, etc.).

If the electronic document storage application electronic document opening request electronic document is stored in the electronic document storage (765), the server is based on the foreign customer information contained in the application information for opening the foreign bank dedicated account, the foreign account information to be remitted based on the financial information The account information is generated (770).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the overseas remittance-only account opened based on the application information for opening the remittance-only account for foreign remittances. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Subsequently, the server is linked to the financial system 190 to finance the customer's name including the financial account information based on the foreign customer information included in the application for opening an overseas remittance-only account and the foreign account information to be remitted. The account is opened (775).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 190 (or is matched with the foreign customer information and is provided with a pre-installation). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby establishing the overseas remittance-only account. In response to the application information, the foreign currency amount deposited by the foreign customer is characterized in that the opening of the predetermined financial account for automatic remittance processing to the designated overseas account.

According to an embodiment of the present invention, when the server and the financial system 190 exist in the same system, the server connects the financial account information to the ledger D / B 185 in association with the financial system 190. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 190 exist on another system connected through a predetermined communication means, the server is located on the financial system 190 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 190 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates overseas remittance-only account information including at least one of the foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted and stores it in a predetermined storage medium 180. (780)

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network connected with the server, the server includes the received foreign money-only account opening application information. Preferably, the storage medium 180 stores foreign money transfer-only account information including at least one foreign customer information and foreign account information to be remitted.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 190, the server may include the foreign customer included in the received application for opening a foreign currency-only account. It is preferable to provide foreign remittance-only account information including at least one information and foreign account information to be remitted as an information system through an external system on the financial system 190 and to store it in a DBMS provided on the financial system 190. .

Thereafter, the server stores predetermined financial account opening history information (for example, the overseas remittance-only account opening history, and / or the history of storing the overseas remittance-only account opening application electronic document in the electronic document repository, and / or the storage). In the media 180, the details of storing the application information for opening a dedicated account for overseas remittance) are generated (or extracted) and transmitted to the terminal (785).

According to an embodiment of the present invention, the storage medium 180 is provided in a DBMS on the financial system 190 provided on the overseas remittance-only account opening system (or associated with the overseas remittance-only account opening system). Preferably, the storage medium 180 is a ledger D / B 185 provided in the DBMS on the financial system 190, and / or a predetermined database associated with the ledger D / B 185 The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 180 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign remittance-only account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a system for opening a non-face-to-face overseas remittance-only account for automatic remittance processing of a won amount to be paid by a foreign customer according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides the foreign institution's application for opening a remittance-only account including at least one foreign customer's information and foreign account information to be remitted through a predetermined financial account opening interface to the financial institution, Open a remittance-only account for automatic remittance processing of the foreign currency deposit by the foreign customer based on the application information for opening the remittance-only account at the financial institution to the designated overseas account, and manage the remittance account for the overseas remittance. This is a system configuration for storing the foreign remittance-only account information for a predetermined storage medium 875, if the person of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present figure 8 to foreign customers When opening a bank-only account for the purpose of automatic remittance of the amount of won Would be able to infer a variety of exemplary methods for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to omit the implementation method for storing the electronic remittance dedicated account opening document in the electronic document repository. It is possible to infer the configuration of the system for opening a remittance-only account, and the electronic document repository is also transferred to the overseas remittance in addition to the implementation method shown in FIG. The implementation method provided in the DBMS located in the dedicated account opening system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the foreign remittance-only account opening request electronic document is illustrated as being generated on the server side on the foreign remittance-only account opening system, but the present invention is limited thereto. Nevertheless, the electronic money transfer account opening request electronic document may be generated at the terminal side that inputs (or selects) the foreign money transfer account opening application information (eg, the electronic document generation function provided at the server side). Provided at the terminal side to generate the electronic money transfer account opening request electronic document), whereby the present invention is not limited.

Hereinafter, the customer is provided with the application for opening the foreign remittance-only account through the predetermined financial account opening interface on the overseas remittance-only account opening system shown in FIG. 8, so that the customer opens the foreign remittance-only account, A component corresponding to at least one or more means and / or functional configurations for generating a predetermined electronic transfer application account opening electronic document corresponding to this and storing the electronic document in a predetermined electronic document storage is referred to as a "financial company server 800" for convenience. .

Referring to FIG. 8 according to an embodiment of the present invention, a system for establishing an overseas remittance-only account for automatic remittance processing of a foreign currency deposited by a foreign customer to a designated overseas account may include a wired terminal and / or a wireless terminal used by a customer. It characterized in that it comprises a terminal device 890 including at least one or more client terminals, including at least one or more, wherein the terminal device 890 on the overseas remittance dedicated account opening system through a predetermined network means The financial company server 800 provided in the communication channel is connected.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Entering (or selecting) the application for opening a remittance-only account for remittance processing for the automatic remittance of the won amount to be paid by the foreign customer to a designated overseas account through at least one user interface provided by the financial institution server 800, the client It is preferable that the terminal transmits to the financial institution server 800 provided on the overseas remittance-only account opening system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 890 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 890 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 890 connected to an x-based portable Internet and / or all terminal devices 890 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 800 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 800 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 800, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 800, etc.) is provided.

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

In the system for establishing an overseas remittance-only account as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the financial company server 800. The communication network and / or the wireless communication network perform a function of a financial account opening interface for the customer to register application information for opening an overseas remittance-only account for automatic remittance processing of the won amount of money that the foreign customer deposits to a designated overseas account.

According to another exemplary embodiment of the present invention, the terminal device 890 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the overseas remittance-only account opening system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company The financial network connecting the server 800 performs a function of a financial account opening interface for registering the application information for opening a remittance-only account for the automatic remittance processing of the won amount of money that the foreign customer deposits to the designated overseas account. And / or When the terminal device 890 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 and And / or the wireless telephone network may provide information on the application for opening an overseas remittance-only account for the purpose of automatically remitting the amount of won that the foreign customer deposits to the designated overseas account. And a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 890, and / or the terminal (and not shown). And / or the server (not shown) and the network connecting the terminal (and / or server) (not shown) and the financial institution server 800 automatically transfer the won amount of money the foreign customer deposits to the designated overseas account. Functions as a financial account opening interface for registering application information for opening an overseas remittance-only account for remittance processing.

The storage medium 875 provided on the overseas remittance-only account opening system according to the present invention includes the foreign customer information included in the overseas remittance-only account opening application information provided from the terminal device 890 and the foreign countries to be remitted. It is characterized in that for storing the foreign bank transfer dedicated account information including at least one account information.

The foreign customer information is the personal information of the foreign customer (name of the foreign customer, passport number information of the foreign customer, foreign customer foreign address, domestic residence address, overseas phone number, domestic residence phone number, mobile phone number, e-mail address, the foreigner Workplace information (eg, work name, business registration number, representative name, etc.) where the customer works, and member information of the customer (eg, the customer is subscribed as a financial transaction customer of the financial institution) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880 linked to the overseas remittance-only account opening system.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

According to an embodiment of the present invention, the storage medium 875 is provided in a DBMS on a financial system 880 provided on the overseas remittance dedicated account opening system (or associated with the overseas remittance dedicated account opening system). In this case, the storage medium 875 is ledger D / B 885 provided in the DBMS on the financial system 880, and / or predetermined predetermined in connection with the ledger D / B 885 It may be a database, whereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign remittance-only account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The financial institution server 800 provided on the overseas remittance-only account opening system according to the present invention is a generic term for the components of the system for opening a remittance-only account overseas system connected to the terminal device 890 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 may be configured as described above. A predetermined internet banking server provided on the internet banking system, and / or a program provided in the internet banking server, and / or a predetermined access to the external system of the financial system 880 through the internet banking system. A foreign system on the financial system 880 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 880, thereby the present invention This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is connected to the wireless banking system. A predetermined server (or device) provided at the wireless banking server, and / or a program provided at the wireless banking server, and / or accessible to the external system of the financial system 880 through the wireless banking system. A server provided in the external system on the financial system 880 that is a program in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external system on the financial system 880, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 may be connected to the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or the financial bank 880 of the financial system 880 through the telebanking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 880, and / or a program provided in the external system on the financial system 880, whereby the present invention is limited. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 800 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 880 through the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 880 accessible through the TV banking server (and / or the server (or device)). It may be a server (or a device), and / or a program provided in the external system on the financial system 880, whereby the present invention is not limited.

According to the embodiment of the present invention, the financial institution server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device 890 via the network means.

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 8, when the predetermined terminal device 890 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the foreign client makes a deposit. At least one user for inputting (or selecting) predetermined foreign remittance-only account opening application information from the terminal device 890 for automatic remittance processing of the won amount to a designated overseas account and transmitting it to the financial institution server 800 An interface providing unit 810 for generating (or extracting) an interface and providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805, and the terminal device ( In step 890, when the user inputs (or selects) the application for opening an overseas remittance-only account through the user interface and transmits the information, the terminal apparatus 8 is connected with the interface unit 805. And an information receiving unit 815 for receiving the foreign money transfer account opening application information transmitted from 90.

The interface providing unit 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then the foreign customer connects to the financial institution server 800. When requesting a user interface for automatic remittance processing of the amount of money to be deposited into a specified overseas account, the terminal 890 inputs (or selects) predetermined application for opening a remittance account exclusively for foreign remittances by the financial institution through the network means. Generate at least one user interface to be transmitted to the server 800, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 805. It is characterized in that provided to the terminal device 890 via a network means.

According to an exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is provided as a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (eg, ARS based user interface) generated by the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 805.

According to another embodiment of the present invention, at least one or more users who input (or select) predetermined foreign money transfer account opening application information in the terminal device 890 and transmit the information to the financial institution server 800 through the network means. When a predetermined information registration program having an interface is provided, a user interface for inputting (or selecting) predetermined foreign remittance-only account opening application information is generated (or extracted) to the financial institution server 800 as described above. The interface providing unit 810 provided to the terminal device 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 inputs (or selects) foreign remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted through the user interface, and the input (or Selects) to transmit the foreign currency dedicated account opening application information to the financial institution server 800 through the network means, in response to the information receiving unit 815 in conjunction with the interface unit 805 the terminal device 890 Received from the information transfer request for opening the transfer-only account sent from).

According to an embodiment of the present invention, the terminal device 890 is dedicated to the overseas remittance from the financial institution server 800 to the application information for opening a remittance-only account including at least one of the foreign customer information and the foreign account information to be remitted. The network means further includes at least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the account opening request information. It is preferable to transmit to the financial institution server 800 through.

According to an exemplary embodiment of the present invention, the terminal device 890 may include at least one encryption method (eg, based on a symmetric key) for overseas remittance-only account opening application information including at least one or more foreign customer information and foreign account information to be remitted. Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc. It is preferable that the signature is transmitted to the financial institution server 800 through the network means. For this purpose, the terminal apparatus 890 includes at least one encryption key corresponding to the encryption scheme, and / or at least Have a predetermined public certificate that includes one or more encryption keys, and / or the public certificate has a predetermined IC When provided in the chip (or IC card), it is preferable that a card reader for confirming the official certificate provided in the IC chip (or IC card) is provided.

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the overseas remittance-only account opening application information and a predetermined electronic signature are attached to the foreign remittance-only account opening application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the financial institution server 800 receives the application information for opening an overseas remittance dedicated account transmitted from the terminal device 890 through the information receiver 815, the financial institution server 800 opens the received overseas remittance dedicated account. Application information is characterized in that it comprises a validity confirmation unit 820 to confirm whether the foreign currency amount deposited by the foreign customer satisfies the validity for automatic remittance processing to the specified overseas account.

According to an embodiment of the present invention, the information on the application for opening a foreign-only remittance account may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method). And / or a key exchange-based encryption scheme, etc.), the validity checker 820 may use the encrypted foreign remittance-only account opening application information for at least one decryption scheme (eg, a symmetric key) corresponding to the encryption scheme. Based decryption scheme, and / or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc. It is desirable to authenticate.

Alternatively, when a predetermined electronic signature is attached to the overseas remittance-only account opening application information, the validity confirming unit 820 checks the electronic signature attached to the overseas remittance-only account opening application information, thereby receiving the received international remittance. It is advisable to verify the validity of the application for opening a dedicated account.

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

According to an embodiment of the present invention, when the foreign bank dedicated account opening application information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the foreign bank dedicated account opening application information, The validity verification unit 820 compares and authenticates the password included in the overseas remittance-only account opening request information with the password provided corresponding to the customer on the DBMS, thereby receiving the received overseas remittance-only account opening request information. It is desirable to authenticate the validity of the.

Alternatively, when the foreign bank dedicated account opening application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the foreign bank dedicated account opening application information, the validity checking The unit 820 compares and authenticates the received security card information included in the application for opening an overseas remittance-only account and the security card information provided corresponding to the customer on the DBMS, thereby receiving the received overseas remittance-only account. It is desirable to authenticate the validity of the information.

Alternatively, when the foreign money-only account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the foreign money-only account opening application information, the validity checking unit 820 compares and authenticates the received OTP code included in the overseas remittance-only account opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to certify the validity of the received application for opening a remittance account.

According to the method of the present invention, the validity of the overseas remittance-only account opening application information to the ledger D / B 885 on the financial system 880 linked to the overseas remittance-only account opening system in the overseas remittance dedicated account It is preferable to include whether the at least one ledger information matching the establishment application information is registered.

For example, the validity of the overseas remittance-only account opening application information, the foreign customer information (customer personal information, member information, etc.) of the information contained in the overseas remittance-only account opening application information is the opening of the overseas remittance-only account It may be desirable to include matching the customer ledger stored in the ledger D / B 885 on the financial system 880 associated with the system.

In addition, the verification of the validity of the information for the application for opening an overseas remittance-only account is linked to the system for opening an exclusive account for the remittance of a financial account corresponding to the information of the overseas account to be remitted, among the information included in the information for opening an exclusive remittance for the international remittance. It is preferably made to include whether it is established on the financial system 880 of the foreign financial institution.

Referring to FIG. 8, when the validity of the overseas remittance-only account opening request information is authenticated through the validity checker 820, the financial institution server 800 includes the received overseas remittance-only account opening request information. An electronic document generation unit 825 for generating an electronic document for requesting the establishment of a dedicated account for overseas remittance transfer, and an electronic document storage application for transmitting the generated application for establishing an overseas remittance-only account to the electronic document repository associated with the system for establishing an overseas remittance-only account. An electronic document transmission unit 830 is provided.

The electronic document generating unit 825 generates an electronic money transfer account opening request electronic document including the application information for opening the foreign money transfer account received from the terminal device 890 through the information receiving unit 815. It is done.

According to an exemplary embodiment of the present invention, the electronic document generation unit 825 includes at least one foreign customer information included in the application for opening a remittance-only account received through the information receiving unit 815 and information on the foreign account to be remitted. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including MHT), it is preferable that the foreign currency amount deposited by the foreign customer is processed as an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to a designated overseas account.

Alternatively, the electronic document generation unit 825 generates document content including at least one foreign customer information included in the application for opening a foreign currency-only account received through the information receiving unit 815 and foreign account information to be remitted. The document contents include at least one or more of the foreign customer information included in the application for opening an overseas remittance-only account and the information of the overseas account to be remitted in a watermarking manner, and then the document contents including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Application for the opening of an overseas remittance-only account for automatic remittance of the amount of Korean won deposited by the foreign customer to the designated overseas account It is desirable to treat each other.

Alternatively, the electronic document generation unit 825 generates document content including at least one foreign customer information included in the application for opening a foreign currency-only account received through the information receiving unit 815 and foreign account information to be remitted. And automatically transfers the won amount of money that the foreign customer deposits an image file including the image content (eg, the image content generated by capturing the document content on a memory) to the designated overseas account. It is preferable to process the electronic documents for the application for opening a remittance-only account for processing.

Alternatively, the electronic document generation unit 825 generates document content including at least one foreign customer information included in the application for opening a foreign currency-only account received through the information receiving unit 815 and foreign account information to be remitted. And the foreign customer information included in the overseas remittance-only account opening application information in the image content (for example, the image content generated by capturing the document content on the memory) which captured the document content, and the foreign account information to be remitted. After including at least one of the information in the watermarking (Watermarking) method, the international remittance for automatic remittance processing of the original amount of money to the foreign account to deposit the image file containing the image content including the watermarking to the specified overseas account It is preferable to process the electronic document for the application for opening a dedicated account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 includes at least foreign customer information included in the application for opening a remittance-only account received through the information receiving unit 815 and information on the foreign account to be remitted. Generate a document content including one or more, and a predetermined document file (eg, PDF (Portable) including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory). Original document deposited by the foreign customer by generating a Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is preferable to process the amount as an electronic document for the application for opening a remittance-only account for automatic remittance to a designated overseas account.

Alternatively, the electronic document generation unit 825 generates document content including at least one foreign customer information included in the application for opening a foreign currency-only account received through the information receiving unit 815 and foreign account information to be remitted. And the foreign customer information included in the overseas remittance-only account opening application information in the image content (for example, the image content generated by capturing the document content on the memory) which captured the document content, and the foreign account information to be remitted. Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web including MHT. By creating a file server, etc.), it is preferable to handle the foreign currency amount to be deposited overseas remittance customers only account opening application for automated electronic document transfer processing to the designated offshore accounts.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 may include foreign customer information included in the overseas remittance-only account opening application information received through the information receiving unit 815, and foreign account information to be remitted. Generating document content including at least one of the document content, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the overseas remittance-only account opening application information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Application for opening an overseas remittance-only account for automatic remittance of the won amount to be paid by the foreign customer to a designated overseas account It is preferable to process it as an electronic document.

Alternatively, the electronic document generation unit 825 generates document content including at least one foreign customer information included in the application for opening a foreign currency-only account received through the information receiving unit 815 and foreign account information to be remitted. And the foreign customer information included in the overseas remittance-only account opening application information in the image content (for example, the image content generated by capturing the document content on the memory) which captured the document content, and the foreign account information to be remitted. A document file including image information including at least one or more of the information by a watermarking method, and the image file including the watermarking and the application information for opening an overseas remittance-only account (for example, PDF (Portable Document) At least one format file, an electronic data interchange (EDI) file, or an HWP / DOC file. By generating a de-processor file or a web document file including MHT), it is preferable to process the foreign currency amount deposited by the foreign customer as an electronic document for requesting to open an overseas remittance-only account for automatic remittance processing to a designated overseas account. .

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825 and the technical features for generating an electronic document for the application for opening a remittance-only account in the image file format and / or a predetermined document file format and Since the technical features of the file format for the image file and / or the document file corresponding to the electronic transfer application electronic document opening application will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits and stores the electronic money transfer account opening request electronic document generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the foreign money transfer account opening system. Characterized in that.

As shown in FIG. 8, the electronic document repository is connected to a financial company server 800 on the overseas remittance-only account opening system and a predetermined electronic document server 850 and an electronic document D / B (associated with a predetermined communication means). 870, the electronic document transmission unit 830, the electronic document transmission unit generated by the electronic document generating unit 825, the electronic document opening application request electronic document generated by the electronic means through the communication means Characterized in that the transmission to the server (850).

Here, when the electronic document server 850 and the electronic document D / B 870 is provided outside of the overseas remittance-only account opening system, the electronic document server 850 and the electronic document D / B (870) ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the overseas remittance-only account opening system, the electronic document transmission unit 830 is generated by the electronic document generation unit 825. The electronic document D / B 870 corresponding to the electronic document storage on the DBMS provided in the overseas remittance-only account opening system can be stored, thereby limiting the present invention. Not.

According to the method of the present invention, the electronic document transmission unit 830 is electronic document related information for generating predetermined electronic document management information in the electronic document server (850) (for example, the application for opening the foreign-only remittance-only account) Foreign customer information, and / or the application for opening the overseas remittance-only account, and / or the financial institution information for transmitting the electronic document, and / or the electronic document file format information, and / or the application for opening the foreign remittance-only account. Information, etc.) can be further transmitted to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the financial institution server 800 designates the won amount of money that the foreign customer deposits through the validity checker 820 for the application for opening a remittance-only account received through the information receiver 815. If the validity for automatic remittance processing to an overseas account is authenticated, generating information for generating the financial account information based on the foreign customer information included in the application for opening a dedicated remittance account for overseas remittance and the overseas account information to be remitted And an account opening section 840 for opening and processing a financial account in the customer's name including the financial account information.

When the validity of the overseas remittance-only account opening application information is confirmed by the validity confirming unit 820, the information generation unit 835 is the foreign customer information included in the overseas remittance-only account opening application information, overseas to be remitted The financial account information is generated based on the account information.

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the overseas remittance-only account opened based on the application information for opening the remittance-only account for foreign remittances. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

The account opening unit 840 generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 880 (or a customer ledger that is matched with the foreign customer information and is already provided. And generating predetermined account ledger information including the financial account information, and then storing the account ledger information in a predetermined account ledger associated with the customer ledger, so as to apply to the overseas remittance-only account opening application information. Correspondingly, a predetermined financial account for automatic remittance processing of the won amount of money that the foreign customer deposits is transferred to a designated overseas account.

When the financial institution server 800 and the financial system 880 exist in the same system according to an exemplary embodiment of the present invention, the account opening unit 840 is linked with the financial system 880 to ledger D / B. It is preferable to generate a predetermined ledger in the 885 including the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system 880 exist on another system connected through a predetermined communication means, the account opening unit 840 may use predetermined communication means. It is preferable to request the ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through an external system on the financial system 880.

Referring to FIG. 8, the financial institution server 800 designates the won amount of money that the foreign customer deposits through the validity checker 820 for the application for opening a remittance-only account received through the information receiver 815. If the validity for the automatic remittance processing to the overseas account is authenticated, the foreign remittance account information including at least one of the foreign customer information and the foreign account information to be remitted included in the application information for opening the exclusive remittance account for overseas remittances An information storage unit 845 is stored in a predetermined storage medium 875.

When the validity of the overseas remittance-only account opening application information is confirmed by the validity confirmation unit 820, the information storage unit 845 may remit the foreign customer information included in the overseas remittance-only account opening application information. Characterized in that the storage medium 875 is stored in the foreign remittance-only account information including at least one overseas account information.

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 875. Preferably, the storage medium 875 stores the foreign remittance-only account information including at least one of the foreign customer information and the foreign account information to be remitted included in the received foreign remittance-only account opening application information.

According to another exemplary embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the information storage unit 845 may apply to the received application information for opening an overseas remittance-only account. Overseas remittance-only account information including at least one of the foreign customer information and the foreign account information to be remitted is provided to the DBMS provided on the financial system 880 by providing the information system through an external system on the financial system 880. It is desirable to store.

Referring to FIG. 8, a predetermined foreign remittance-only account opening application electronic document is received from the financial institution server 800 provided on the overseas remittance-only account opening system, and stored in a predetermined electronic document D / B 870. The electronic document server 850 manages an electronic document receiving unit 855 for receiving a predetermined overseas remittance-only account opening application electronic document from the financial institution server 800 through a predetermined communication means, and the received overseas remittance only. An information generation unit 860 for generating predetermined electronic document management information for storing and managing an account opening application electronic document in the electronic document D / B 870, and opening the electronic document management information and the account for the overseas remittance only. And an electronic document storage unit 865 configured to link the applied electronic document and store it in a predetermined electronic document D / B 870.

The electronic document receiving unit 855 may receive an application for opening an overseas remittance-only account in the form of an image file and / or a document file from the financial institution server 800 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 855 receives an overseas remittance-only account opening request electronic document received through the communication means, the foreign company received by the financial institution server 800 from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document information including at least one foreign customer information included in the remittance-only account opening application information, foreign account information to be remitted. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document receiving unit 855 receives an application for opening an overseas remittance-only account received through the communication means, and the electronic document is applied to the application for opening an overseas remittance-only account received by the financial institution server 800 from the terminal device 890. Watermarking at least one or more of the foreign customer information included in the application for opening a dedicated account for remittance and the foreign account information to be remitted to document contents including at least one foreign customer information included and foreign account information to be remitted. The document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking, and the like. Word processor files, or web document files containing MHT).

Alternatively, the electronic document receiving unit 855 receives an application for opening an overseas remittance dedicated account received through the communication means, and the electronic document is applied to the application for opening an overseas remittance dedicated account received by the financial institution server 800 from the terminal device 890. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one foreign customer information included and foreign account information to be remitted. It is preferable to make it.

Alternatively, the electronic document receiving unit 855 receives an application for opening an overseas remittance-only account received through the communication means. Opening the dedicated overseas remittance account in the image content (eg, the image content generated by capturing the document content on the memory) including document information including at least one foreign customer information included and foreign account information to be remitted It is preferable that the watermarking method includes at least one or more of the foreign customer information included in the application information and the foreign account information to be remitted in a watermarking manner, and then includes an image file including the image contents including the watermarking. .

According to another exemplary embodiment of the present invention, the electronic document receiving unit 855 receives an overseas remittance-only account opening request electronic document received through the communication means, which the financial institution server 800 receives from the terminal device 890. Image content that captures document content including at least one foreign customer information included in the application for opening an overseas remittance-only account and foreign account information to be remitted (for example, image content generated by capturing the document content on a memory) A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the electronic document receiving unit 855 receives an application for opening an overseas remittance dedicated account received through the communication means, and the electronic document is applied to the application for opening an overseas remittance dedicated account received by the financial institution server 800 from the terminal device 890. Opening the dedicated overseas remittance account in the image content (eg, the image content generated by capturing the document content on the memory) including document information including at least one foreign customer information included and foreign account information to be remitted A document file including image information including at least one or more of the foreign customer information included in the application information and the foreign account information to be remitted by watermarking, and including the image content including the watermarking (eg , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. And at least one word processor file or web document file including MHT).

According to another exemplary embodiment of the present invention, the electronic document receiving unit 855 receives an overseas remittance-only account opening request electronic document received through the communication means from the financial institution server 800 from the terminal device 890. Image content (e.g., an image generated by capturing the document content on a memory), which captures document content including at least one foreign customer information included in the application for opening an overseas remittance-only account and at least one foreign account information to be remitted. Word containing at least one of a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the contents and the application information for opening the transfer-only account. Processor file, or a web document file including MHT).

Alternatively, the electronic document receiving unit 855 receives an application for opening an overseas remittance-only account received through the communication means, and the electronic document is applied to the application for opening an overseas remittance-only account received by the financial institution server 800 from the terminal device 890. Opening the dedicated overseas remittance account in the image content (eg, the image content generated by capturing the document content on the memory) including document information including at least one foreign customer information included and foreign account information to be remitted Create image content including at least one or more information of the foreign customer information included in the application information, foreign account information to be remitted by the watermarking method, and the image content including the watermarking and opening the overseas remittance-only account Document file containing the application information (e.g. Portable Document Format (PDF) file, or EDI (Electronic D) ata Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 860 is a predetermined electronic document unique number (or unique information) to be assigned to the overseas remittance-only account opening request electronic document received through the electronic document receiving unit 855, and the electronic document receiving unit 855 Electronic document management information, including electronic document storage date and time information including the date and time (or the date and time the foreign bank dedicated account opening application electronic document was stored) received the electronic funds transfer account opening request via It is characterized by generating.

According to an exemplary embodiment of the present invention, the information generating unit 860 refers to the financial institution server 800 that transmits the application for opening an overseas remittance-only account received through the electronic document receiving unit 855 and the overseas document. It is preferable to check the financial institution that has sent the electronic document for remittance-only application and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 855, the information generating unit 860 may receive the received electronic document. Document related information (e.g., foreign customer information transmitted by inputting (selecting) the application for opening an overseas remittance-only account, and / or financial institution information for transmitting the electronic remittance application for opening the account, and / or electronic document). It is preferable to generate the electronic document management information further including file format information, and / or the application for opening a foreign currency-only account.

The electronic document storage unit 865 performs a predetermined process by linking the electronic document management information generated through the information generation unit 860 with the electronic document opening request application for electronic transfer received through the electronic document receiving unit 855. The electronic document is stored in the D / B 870.

According to the exemplary embodiment of the present invention, the electronic document storage unit 865 stores an electronic money transfer account opening request electronic document stored in the electronic document D / B 870 by the financial institution server 800 using the terminal device ( A document file (eg, a Portable Document Format (PDF) file, or EDI) containing document information including at least one foreign customer information included in the application for opening a dedicated remittance account for foreign remittance received from 890, foreign account information to be remitted. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the electronic document storage application 865 stores an overseas remittance-only account opening application electronic document stored in the electronic document D / B 870 by the financial institution server 800 from the terminal device 890. At least one of the foreign customer information included in the remittance-only account application information, the document content including at least one foreign account information to be remitted, the foreign customer information included in the foreign remittance-only account application information, the foreign account information to be remitted After the above information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document content including the watermarking. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the electronic document storage unit 865 may apply for an overseas remittance dedicated account opening electronic document stored in the electronic document D / B 870 by the financial institution server 800 from an overseas remittance received from the terminal device 890. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one foreign customer information included in the application for opening a dedicated account and at least one foreign account information to be remitted. It is preferable to include an image file to include.

Alternatively, the electronic document storage application 865 is an application for opening an overseas remittance-only account stored in the electronic document D / B (870), the financial institution server 800 received from the terminal device 890 overseas Image content capturing document content including at least one foreign customer information included in the remittance-only account opening application information and foreign account information to be remitted (for example, image content generated by capturing the document content on a memory) An image file including the image contents including the watermarking after including at least one or more information of the foreign customer information included in the application information for opening the overseas transfer dedicated account, the overseas account information to be remitted to the watermarking method; It is preferable to comprise a.

According to another exemplary embodiment of the present invention, the electronic document storage unit 865 stores an electronic money transfer account opening request electronic document stored in the electronic document D / B 870 by the financial institution server 800 of the terminal device. Image content (e.g., the document content is captured on the memory) that captures document content including at least one foreign customer information included in the application for opening a dedicated remittance account for foreign remittance received from 890 and the overseas account information to be remitted. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including captured and generated image content; or Web document file including MHT).

Alternatively, the electronic document storage application 865 is an application for opening an overseas remittance-only account stored in the electronic document D / B (870), the financial institution server 800 received from the terminal device 890 overseas Image content capturing document content including at least one foreign customer information included in the remittance-only account opening application information and foreign account information to be remitted (for example, image content generated by capturing the document content on a memory) Generate image content including at least one or more information of the foreign customer information included in the application for opening an overseas remittance-only account and the information of the overseas account to be remitted by a watermarking method, and the image content including the watermarking; Write down a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) It comprises a web page file, and so on) that include the word-processor file, or MHT containing one or more are preferred.

According to another exemplary embodiment of the present invention, the electronic document storage unit 865 stores an electronic money transfer account opening request electronic document stored in the electronic document D / B 870 by the financial company server 800. Image content capturing document content including at least one foreign customer information included in the application for opening a dedicated remittance account for foreign remittance received from the device 890 and information on the foreign account to be remitted (for example, the document content is stored in memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including image content generated by capturing the image on the And at least one word processor file or at least one web document file including the MHT.

Alternatively, the electronic document storage unit 865 may apply for an overseas remittance dedicated account opening electronic document stored in the electronic document D / B 870 by the financial institution server 800 from an overseas remittance received from the terminal device 890. To image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one foreign customer information included in the exclusive account opening application information and foreign account information to be remitted. Generating image content including at least one or more of the foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted by a watermarking method, and the image content including the watermarking; A document file (for example, a Portable Document Format (PDF) file or EDI (Electronic) file containing the application information for opening the overseas remittance-only account) Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to the implementation method of the present invention, the electronic document storage unit 865, the electronic document management information stored in the electronic document D / B 870 by processing in conjunction with the electronic funds transfer account opening request electronic document, the overseas It is preferable to include a predetermined electronic document unique number (or unique information) assigned to a remittance-only account opening application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management unit 865 stores the electronic document D / B 870 in connection with the electronic document storage request application for electronic money transfer, and stores the electronic document in the electronic document D / B. It is preferable to further include information on the financial institution which has transmitted the overseas remittance-only account opening application electronic document confirmed with reference to the financial institution server 800 that sent the application for opening the foreign remittance-only account.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 865 processes the link with the electronic document opening application electronic document opening application. The electronic document management information stored in the electronic document D / B 870 may include the foreign customer information transmitted by inputting (selecting) the electronic document related information (for example, the application for opening an overseas remittance-only account), and And / or financial institution information for transmitting the electronic money transfer account opening request electronic document, and / or electronic document file format information, and / or the foreign money transfer account opening application information).

9 is an implementation method provided with a DBMS on a financial system 880 having a storage medium 875 for storing overseas remittance-only account information corresponding to an overseas remittance-only account opened in a non-face-to-face manner according to an embodiment of the present invention. Figure is a diagram.

In more detail, in FIG. 9, the storage medium 875 shown in FIG. 8 is the ledger D / B 885 provided in the DBMS on the financial system 880, or is provided in the ledger D / B 885. In this case, the information structure for an embodiment of the method for storing the overseas remittance-only account information in the ledger information provided in the ledger D / B (885), the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer a variety of information configuration method for storing the foreign bank transfer dedicated account information in the ledger D / B 885 by referring to and / or modified in this figure 9, the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 885 provided in the DBMS on the financial system 880 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the overseas remittance-only account opening system shown in FIG. 8 and at least one information associated with the account ledger are included, which is common in the art. If the knowledgeable person, the ledger D / B 885 provided in the DBMS on the financial system 880 includes at least one ledger (for example, a ledger, loan ledger, And / or at least one additional information for maintaining and managing the ledgers. Because be aware group the technological requirements, a detailed description thereof will be 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 in a relational manner, and as a ledger corresponding to the financial account, account number (or securities 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic receipt information including at least one (day), extension, maturity date, and target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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. 9, the storage medium 875 includes the ledger D / B 885 or the implementation method provided in the ledger D / B 885 according to an embodiment of the present invention. Sending the foreign bank account information including at least one of the foreign customer information included in the application for opening a bank account for overseas banks provided through the bank account system for opening a bank account exclusively shown in FIG. And is stored in the form of additional information to be added.

The foreign customer information is the personal information of the foreign customer (name of the foreign customer, passport number information of the foreign customer, foreign customer foreign address, domestic residence address, overseas phone number, domestic residence phone number, mobile phone number, e-mail address, the foreigner Workplace information (eg, work name, business registration number, representative name, etc.) where the customer works, and member information of the customer (eg, the customer is subscribed as a financial transaction customer of the financial institution) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880 linked to the overseas remittance-only account opening system.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

According to another exemplary embodiment of the present invention, the application for opening an overseas remittance-only account is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (for example, a customer ledger). Additional information added to the) and / or in addition to the account ledger can be all stored in a separate independent ledger form, thereby the present invention is not limited.

Figure 10 is a ledger provided in the DBMS on the financial system 880 has a storage medium 875 for storing the information of the foreign remittance dedicated account corresponding to the foreign remittance dedicated account opened in a non-face-to-face according to another embodiment of the present invention A diagram illustrating an implementation method including a database associated with the D / B 885.

More specifically, FIG. 10 illustrates an embodiment in which the storage medium 875 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 885 provided in the DBMS on the financial system 880. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 to transfer the foreign remittance-only account information to a predetermined database in the ledger D / B ( 885 may be inferred from the various information configuration methods to be stored in association with the present invention, the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the overseas remittance-only account information in the ledger information of the ledger D / B 885 on the DBMS provided on the financial system 880 (for example, the policy of a financial institution) If it is not easy to change the ledger D / B 885 of the phase DBMS, or the system expansion is not easy due to the characteristics of the financial system 880), the predetermined database instead of the ledger D / B 885 may be A method of storing overseas remittance-only account information and interworking the database with the ledger D / B 885 is shown.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 880 as in the embodiment shown in FIG. 10, and a database on the Internet banking system according to the intention of a person skilled in the art; And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 10, the storage medium 875 includes a database associated with the ledger D / B 885 provided in the DBMS on the financial system 880. And storing the foreign remittance account information including at least one of the foreign customer information and the foreign account information to be remitted included in the foreign remittance dedicated account opening application information, and the foreign remittance account information is the ledger D. It is preferable that the CIF number corresponding to the ledger information is further included in the overseas remittance-only account information to be processed in conjunction with / B 885.

The foreign customer information is the personal information of the foreign customer (name of the foreign customer, passport number information of the foreign customer, foreign customer foreign address, domestic residence address, overseas phone number, domestic residence phone number, mobile phone number, e-mail address, the foreigner Workplace information (eg, work name, business registration number, representative name, etc.) where the customer works, and member information of the customer (eg, the customer is subscribed as a financial transaction customer of the financial institution) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880 linked to the overseas remittance-only account opening system.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

11 is a view illustrating a storage medium 875 for storing overseas remittance-only account information corresponding to an overseas remittance-only account opened in a non-face-to-face manner according to another embodiment of the present invention, including a DBMS provided in a banking server. A diagram illustrating the method.

More specifically, in Figure 11, a storage medium 875 shown in Figure 8 is provided with an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the banking server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified in this figure Although it may be possible to infer the information configuration method for the foreign remittance-only account information stored in the predetermined DBMS, the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 875 includes a DBMS provided in a banking server. Referring to FIG. 11, a predetermined DBMS provided in the banking server opens the dedicated overseas remittance account. Characterized in that the foreign customer information included in the application information and the foreign bank account information including at least one or more foreign account information to be remitted, characterized in that for storing the information.

The foreign customer information is the personal information of the foreign customer (name of the foreign customer, passport number information of the foreign customer, foreign customer foreign address, domestic residence address, overseas phone number, domestic residence phone number, mobile phone number, e-mail address, the foreigner Workplace information (eg, work name, business registration number, representative name, etc.) where the customer works, and member information of the customer (eg, the customer is subscribed as a financial transaction customer of the financial institution) It is preferable to include at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system 880 linked to the overseas remittance-only account opening system.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

12A and 12B are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer in a non-face-to-face manner according to an exemplary embodiment of the present invention.

12A and 12B show a client terminal on the overseas remittance-only account opening system shown in FIG. 8, and a client terminal is connected to the financial institution server 800 through a predetermined network means. In the case of having a web server function, foreign customer information and remittance through the client terminal to open an overseas remittance-only account for automatic remittance processing of a predetermined amount of money from a foreign customer to a designated overseas account. If the foreign remittance-only account opening application information including at least one foreign account information to be provided is provided, opening the foreign remittance-only account including at least one foreign customer information, the foreign account information to be remitted in the overseas remittance-only account opening system Specify the amount of won that the foreign customer deposits based on the application information An embodiment of the present invention relates to a method for opening and processing an overseas remittance-only account for automatic remittance to an overseas account. Those skilled in the art may refer to and / or modify the drawings 12a and 12b. By using the client terminal can be inferred from the various implementation methods for registering the application information for opening the foreign bank transfer dedicated account to the financial institution server 800, the present invention includes all the implementation methods inferred, this figure 12a and It is not limited to the implementation method shown in Fig. 12B.

For example, although the implementation method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the overseas remittance-only account opening application information and storing the electronic document in an electronic document repository, the process may be performed by those skilled in the art. It may be omitted depending on the intention, thereby not limiting the present invention.

In addition, the implementation method illustrated in FIGS. 12A and 12B provides a predetermined web page provided by the financial institution server 800 to provide a user interface for the client terminal to input (or select) the application for opening an overseas remittance-only account. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, thereby the present invention is not limited.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The foreign customer information transmitted to the financial institution server 800, the foreign account information to be remitted is referred to as "overseas remittance-only account opening application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Connecting to a server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN) to connect a predetermined communication channel, When the client requests a web page including a user interface for automatically remitting the amount of won that is to be deposited to a specified overseas account (1200), the server responds with the foreign customer information and at least one foreign account information to be remitted. Web that includes a user interface for inputting (or selecting) the application for opening an overseas remittance-only account, which is included, to be transmitted to the server. Not generate (or extract), and 1205, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station 1210.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the application for opening a foreign currency-only account. This is not limited.

Subsequently, the terminal inputs (or selects) the application information for opening a foreign-only remittance account including at least one or more foreign customer information and foreign account information to be remitted through the user interface included in the web page (1215).

If the terminal inputs (or selects) the foreign customer information and the application for opening a remittance-only account including overseas account information to be remitted through the user interface (1220), the terminal receives the input through the communication channel. The foreign customer information and the foreign account information to be remitted are transmitted to the server (1225).

According to an embodiment of the present invention, the terminal validates the validity of the overseas remittance-only account opening application information on the server in the foreign remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted. At least one or more of a predetermined password and / or security card information for confirmation and / or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means. Do.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for applying for foreign remittance account opening application information including at least one or more foreign customer information and overseas account information to be remitted. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.), and / or attach a predetermined electronic signature to the application for opening a remittance-only account. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key. Or / or the official certificate is provided on a predetermined IC chip (or IC card). It is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for applying for foreign remittance account opening application information including at least one or more foreign customer information and overseas account information to be remitted. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Have at least one encryption key corresponding to an encryption scheme, and / or have a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card) If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is preferable.

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the overseas remittance-only account opening application information and a predetermined electronic signature are attached to the foreign remittance-only account opening application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the foreign customer information and the foreign account information to be remitted through the communication channel and checks the validity of the application for opening the foreign currency-only account (1230).

According to an embodiment of the present invention, the application for opening a foreign-only remittance account may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method). And / or a key exchange-based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), thereby validating the validity of the received foreign remittance-only account opening application information.

Alternatively, when a predetermined electronic signature is attached to the overseas remittance-only account opening application information, the server checks the electronic signature attached to the overseas remittance-only account opening application information, thereby receiving the received overseas remittance-only account opening application information. It is desirable to authenticate the validity of the.

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

According to an embodiment of the present invention, when the foreign bank dedicated account opening application information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the foreign bank dedicated account opening application information, The server authenticates the validity of the received overseas remittance-only account opening application information by comparing and authenticating the received password included in the overseas remittance-only account opening application information and the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the overseas remittance-only account opening application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the overseas remittance-only account opening application information, the server may include: By comparing and authenticating the security card information included in the overseas remittance-only account opening application information and the security card information provided corresponding to the customer on the DBMS, the validity of the received overseas remittance-only account opening application information is verified. It is desirable to authenticate.

Alternatively, when the foreign remittance-only account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the overseas remittance-only account opening application information, the server may By comparing and authenticating the received OTP code included in the application for opening an overseas remittance dedicated account with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received overseas remittance dedicated account It is desirable to verify the validity of the application information.

According to the method of the present invention, the validity of the overseas remittance-only account opening application information to the ledger D / B 885 on the financial system 880 linked to the overseas remittance-only account opening system in the overseas remittance dedicated account It is preferable to include whether the at least one ledger information matching the establishment application information is registered.

For example, the validity of the overseas remittance-only account opening application information, the foreign customer information (customer personal information, member information, etc.) of the information contained in the overseas remittance-only account opening application information is the opening of the overseas remittance-only account It may be desirable to include matching the customer ledger stored in the ledger D / B 885 on the financial system 880 associated with the system.

In addition, the verification of the validity of the information for the application for opening an overseas remittance-only account is linked to the system for opening an exclusive account for the remittance of a financial account corresponding to the information of the overseas account to be remitted, among the information included in the information for opening an exclusive remittance for the international remittance. It is preferable to include whether or not established on the financial system 880 of the foreign financial institutions.

If the validity of the overseas remittance-only account opening application information is not authenticated (1235), the server generates a web page including predetermined financial account error information and transmits the webpage to the terminal (1240). Do not open an account.

On the other hand, if the validity of the overseas remittance-only account opening application information is authenticated (1235), the server includes at least one foreign customer information including the foreign remittance-only account opening application information, the predetermined information including the foreign account information to be remitted The document content of the document is generated (1245), and a predetermined electronic money transfer account opening application electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server generates document content including at least one foreign customer information included in the received application information for opening an overseas remittance dedicated account, foreign account information to be remitted, and generates the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the won amount of money that the foreign customer deposits into an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to a designated overseas account.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, foreign account information to be remitted, and the application for opening the foreign remittance-only account in the document content After including at least one or more information of the foreign customer information included in the information, the information of the foreign account to be remitted by the watermarking method, and a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) A foreign currency account for the amount of won in which the foreign customer deposits a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) Therefore, it is preferable to process the electronic document for the application for opening an overseas remittance-only account for automatic remittance processing.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) An image file including (e.g., image content generated by capturing the document content on a memory) is processed as an electronic document for requesting to open an exclusive foreign remittance account for automatic remittance of the won amount to be paid by the foreign customer to a designated overseas account. It is desirable to.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) (E.g., image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information included in the application for opening an overseas remittance-only account and foreign account information to be remitted in a watermarking manner. After the inclusion, it is preferable to process an image file including the image contents including the watermarking as an electronic document for the application for opening a dedicated overseas remittance account for automatic remittance of the won amount to be paid by the foreign customer to a designated overseas account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, foreign account information to be remitted, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one of HWP / DOC, a web document file including MHT, etc.), thereby making an overseas remittance for automatic remittance of the won amount to be paid to the designated overseas account. It is preferable to process the electronic document for the application for opening a dedicated account.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) (E.g., image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information included in the application for opening an overseas remittance-only account and foreign account information to be remitted in a watermarking manner. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; By generating a word processor file containing the document or a web document file containing the MHT). It is preferable that the customer is handling the currency to deposit money into overseas remittance dedicated account opening application for automated electronic document transfer processing to the designated offshore accounts.

According to another exemplary embodiment of the present invention, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, foreign account information to be remitted, and the document A predetermined document file (e.g., Portable Document Format (PDF)) including image content (e.g., image content generated by capturing the document content on a memory) and information about opening a foreign currency-only account opening application. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby specifying the amount of won to be deposited by the foreign customer. It is preferable to process an electronic document for the application for opening a remittance-only account for automatic remittance to an overseas account.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) Watermarking method (at least one of the foreign customer information included in the application information for opening the transfer account exclusively, the foreign account information to be transferred to the image content generated by capturing the document content on the memory) A document file (for example, a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file) including image content including the watermarking, and the image content including the watermarking and the application information for opening an overseas remittance-only account. Or a word processor file including at least one HWP / DOC, or the like, or including an MHT. By generating a web document file, etc.), it is preferable to process the won amount of money that the foreign customer deposits into an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to a designated overseas account.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic money transfer account open request electronic document in the image file format and / or a predetermined document file format, and the foreign money transfer account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 associated with a server on the overseas remittance-only account opening system through predetermined communication means. When provided to the outside, the server transmits the generated foreign wire transfer dedicated account opening electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance-only account opening system, the server is provided with the generated foreign remittance-only account opening application electronic document in the overseas remittance-only account opening system. It is possible to store in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the electronic money transfer account opening request electronic document in the electronic document storage, the process of linking the generated foreign money transfer dedicated account opening application electronic document with the predetermined electronic document management information It is preferable to include storing in the electronic document D / B 870 shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic money transfer application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the foreign customer information transmitted by inputting (selecting) the application information for opening the overseas remittance-only account, and / or the electronic document for requesting the establishment of the overseas remittance-only account). Financial institution information to be transmitted, and / or electronic document file format information, and / or the application for opening a remittance-only account, etc.).

If the electronic document storage application electronic document opening application stored in the electronic document storage (1260), the server is based on the foreign customer information included in the foreign bank transfer dedicated account opening application information, the foreign account information to be remitted based on the financial information Create account information (1265).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the overseas remittance-only account opened based on the application information for opening the remittance-only account for foreign remittances. When included, it is preferable that the predetermined subscription period, payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 880 to include the financial account information based on the foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted. The account is opened (1270).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 880 (or is matched with the foreign customer information and is provided with a pre-set). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby establishing the overseas remittance-only account. In response to the application information, the foreign currency amount deposited by the foreign customer is characterized in that the opening of the predetermined financial account for automatic remittance processing to the designated overseas account.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates overseas remittance-only account information including at least one or more foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted and stores it in a predetermined storage medium 875. (1275)

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on the network associated with the server, the server includes the received foreign money-only account opening application information. Preferably, the storage medium 875 stores foreign money transfer-only account information including at least one foreign customer information and foreign account information to be remitted.

According to another exemplary embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the foreign customer included in the received application for opening a remittance-only account. It is preferable to provide foreign remittance-only account information including at least one information and foreign account information to be remitted as an information system through an external system on the financial system 880 and to store it in a DBMS provided on the financial system 880. .

Thereafter, the server stores predetermined financial account opening history information (for example, the overseas remittance-only account opening history, and / or the history of storing the overseas remittance-only account opening application electronic document in the electronic document repository, and / or the storage). In the medium 875, the details of storing the application information for opening a dedicated account for overseas remittance) are generated (or extracted) and transmitted to the terminal (1280).

According to an embodiment of the present invention, the storage medium 875 is provided in a DBMS on a financial system 880 provided on the overseas remittance dedicated account opening system (or associated with the overseas remittance dedicated account opening system). Preferably, the storage medium 875 is a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885 The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign remittance-only account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a process for opening an overseas remittance-only account for automatic remittance processing of a won amount deposited by a foreign customer according to one embodiment of the present invention to a designated overseas account.

In more detail, FIGS. 13A, 13B, and 13C are examples of the case where the system for establishing an overseas remittance dedicated account shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (i.e., the overseas shown in FIG. 8). In the case where the financial institution server 800 on the remittance-only account opening system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet, etc.) and authenticates a predetermined customer. After performing the procedure, the Internet banking server provides information on the application for opening a dedicated overseas remittance-only account for opening an overseas remittance-only account for automatic remittance processing of the won amount deposited by the foreign customer from the client terminal to a designated overseas account. At least one of the foreign customer information and the foreign account information to be remitted by the Internet banking server. The present invention relates to an implementation method of opening and processing the overseas remittance-only account for automatic remittance processing of the won amount of money paid by the foreign customer based on the application information for opening a remittance-only account including the above. Those skilled in the art can refer to and / or modify the drawings 13a, 13b, and 13c to register the application information for opening the transfer-only account through other types of non-face-to-face financial transaction channels. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figure 13a, Figure 13b and Figure 13c.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering an overseas remittance-only account opening application information between the client terminal and the Internet banking server based on the browser program is illustrated, it is common knowledge in the technical field to which the present invention pertains. In the case of a person having the above, the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13A, 13B, and 13C is referred to and / or modified based on a predetermined Internet banking program mounted on the client terminal. Inn with the client terminal Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering an application for opening an overseas remittance-only account between internet banking servers, the present invention provides an internet banking-based financial service provided based on the internet banking program. Transactions, and the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Other banking systems, such as telebanking systems and / or wireless banking systems and / or TV banking systems, may infer a method of linking non-face-to-face, channel-based financial transactions channels for registration of application for opening a remittance-only account. The present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the proposed non-face-to-face channel banking system. The configuration is by no means limited to the case of the Internet banking shown in FIGS. 13A, 13B, and 13C.

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 800 is referred to as "server" for convenience.

13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server communicates with the terminal through the browser. A communication channel between servers is connected (1305a), where a communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the web browser.

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 in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1310a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests version information and / or last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (1315a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1320a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, 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 (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and also from the terminal to the server for registering the application for opening a remittance-only account for overseas remittance. Attaching a predetermined digital signature to information (or data) to be provided and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption 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 When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and the server for registering an application for opening a remittance-only account in the terminal. Attach and / or attach certain electronic signatures to information (or data) When encrypted and transmitted using one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a decoding algorithm) to mean a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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 (1335a).

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 and / or encrypted is transmitted through the secure channel.

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1340a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1345a).

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where Internet banking The underlying financial transaction channel refers to a communication channel for transmitting and registering application information for opening a dedicated account for remittance of a foreign remittance for automatic remittance of a foreign currency deposited by a foreign customer from the terminal to the server. do.

Subsequently, when the terminal requests a web page including a user interface for automatically remitting the foreign currency amount deposited by the foreign customer to the designated overseas account to the server through an internet banking-based financial transaction channel (1300b), The server generates (or selects) a web page including a user interface for inputting (or selecting) an overseas remittance-only account opening application information including at least one of the foreign customer information and the overseas account information to be remitted, and generating the webpage ( Or 1305b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) foreign remittance-only account opening application information including at least one or more foreign customer information and foreign account information to be remitted in the terminal. Preferably, and / or issue certain password and / or security card information (e.g., issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the application for opening the transfer-only account. Security card information printed on one security card) and / or one time password (OTP) (e.g., during the internet banking application process (or after the banking application), the OTP authenticator (or OTP certification program) provided to the customer by the financial institution. It is preferable to further include a user interface for inputting a one-time password generated through) .

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times in accordance with the procedure for registering the application for opening a foreign currency-only account, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) foreign remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted through the financial account opening interface (1315b).

If the terminal inputs (or selects) an overseas remittance-only account opening application information including the foreign customer information and the overseas account information to be remitted through the user interface (1320b), the terminal transmits the information through the financial transaction channel. The application information (or selection) of the application for opening an overseas remittance-only account is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal validates the validity of the overseas remittance-only account opening application information on the server in the foreign remittance-only account opening application information including at least one of the foreign customer information and the foreign account information to be remitted. At least one or more of a predetermined password and / or security card information for confirmation and / or OTP code generated through a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means. Do.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for applying for foreign remittance account opening application information including at least one or more foreign customer information and overseas account information to be remitted. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.), and / or attach a predetermined electronic signature to the application for opening a remittance-only account. It is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key. Or / or the official certificate is provided on a predetermined IC chip (or IC card). It is preferably provided with the IC chip card reader to make sure the certificate provided in (or IC card).

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) for applying for foreign remittance account opening application information including at least one or more foreign customer information and overseas account information to be remitted. And / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption, and the like, and transmits the encrypted data to the server through the network means. Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is preferable.

In the technical field to which the present invention pertains, technical features of various encryption methods for encrypting the overseas remittance-only account opening application information and a predetermined electronic signature are attached to the foreign remittance-only account opening application information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the overseas remittance-only account opening application information through the financial transaction channel and confirms the validity of the overseas remittance-only account opening application information (1330b).

According to an embodiment of the present invention, the application for opening a foreign-only remittance account may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method). And / or a key exchange based encryption scheme, the server may include at least one decryption scheme (eg, a symmetric key based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received application information for opening the transfer-only account. .

Alternatively, when a predetermined electronic signature is attached to the overseas remittance-only account opening application information, the server checks the electronic signature attached to the overseas remittance-only account opening application information, thereby receiving the received overseas remittance-only account opening application information. It is desirable to authenticate the validity of the.

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

According to an embodiment of the present invention, when the foreign bank dedicated account opening application information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the foreign bank dedicated account opening application information, The server authenticates the validity of the received overseas remittance-only account opening application information by comparing and authenticating the received password included in the overseas remittance-only account opening application information and the password provided corresponding to the customer on the DBMS. It is desirable to.

Alternatively, when the overseas remittance-only account opening application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the overseas remittance-only account opening application information, the server may include: By comparing and authenticating the security card information included in the overseas remittance-only account opening application information and the security card information provided corresponding to the customer on the DBMS, the validity of the received overseas remittance-only account opening application information is verified. It is desirable to authenticate.

Alternatively, when the foreign remittance-only account opening application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the overseas remittance-only account opening application information, the server may By comparing and authenticating the received OTP code included in the application for opening an overseas remittance dedicated account with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received overseas remittance dedicated account It is desirable to verify the validity of the application information.

According to the method of the present invention, the validity of the overseas remittance-only account opening application information to the ledger D / B 885 on the financial system 880 linked to the overseas remittance-only account opening system in the overseas remittance dedicated account It is preferable to include whether the at least one ledger information matching the establishment application information is registered.

For example, the validity of the overseas remittance-only account opening application information, the foreign customer information (customer personal information, member information, etc.) of the information contained in the overseas remittance-only account opening application information is the opening of the overseas remittance-only account It may be desirable to include matching the customer ledger stored in the ledger D / B 885 on the financial system 880 associated with the system.

In addition, the verification of the validity of the information for the application for opening an overseas remittance-only account is linked to the system for opening an exclusive account for the remittance of a financial account corresponding to the information of the overseas account to be remitted, among the information included in the information for opening an exclusive remittance for the international remittance. It is preferable to include whether or not established on the financial system 880 of the foreign financial institutions.

If the validity of the overseas remittance-only account opening application information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340b). Do not open an account.

On the other hand, if the validity of the overseas remittance-only account opening application information is authenticated (1335b), the server includes at least one foreign customer information including the foreign remittance-only account opening application information, the predetermined account including the foreign account information to be remitted A document content is generated (1345b), and a predetermined electronic money transfer account opening application electronic document including the document content is generated (1350c).

According to an exemplary embodiment of the present invention, the server generates document content including at least one foreign customer information included in the received application information for opening an overseas remittance dedicated account, foreign account information to be remitted, and generates the document content. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the won amount of money that the foreign customer deposits into an electronic document for the application for opening an overseas remittance-only account for automatic remittance processing to a designated overseas account.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the application for opening the foreign remittance-only account in the document content After including at least one or more information of the foreign customer information included in the information, the information of the foreign account to be remitted by the watermarking method, a document file (eg, PDF (Portable Document Format) containing the document content including the watermarking A foreign currency account for the amount of won in which the foreign customer deposits a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) Therefore, it is preferable to process the electronic document for the application for opening an overseas remittance-only account for automatic remittance processing.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) An image file including (e.g., image content generated by capturing the document content on a memory) is processed as an electronic document for requesting to open an exclusive foreign remittance account for automatic remittance of the won amount to be paid by the foreign customer to a designated overseas account. It is desirable to.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) (E.g., image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information included in the application for opening an overseas remittance-only account and foreign account information to be remitted in a watermarking manner. After the inclusion, it is preferable to process an image file including the image contents including the watermarking as an electronic document for the application for opening a dedicated overseas remittance account for automatic remittance of the won amount to be paid by the foreign customer to a designated overseas account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, foreign account information to be remitted, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one of HWP / DOC, a web document file including MHT, etc.), thereby making an overseas remittance for automatic remittance of the won amount to be paid to the designated overseas account. It is preferable to process the electronic document for the application for opening a dedicated account.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) Watermarking method (at least one of the foreign customer information included in the application information for opening the transfer account exclusively, the foreign account information to be transferred to the image content generated by capturing the document content on the memory) At least one document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) including an image content including the watermarking; The word processor file or the web document file including the MHT). It is preferable that the customer is handling the currency to deposit money into overseas remittance dedicated account opening application for automated electronic document transfer processing to the designated offshore accounts.

According to another exemplary embodiment of the present invention, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, foreign account information to be remitted, and the document A predetermined document file (e.g., Portable Document Format (PDF)) including image content (e.g., image content generated by capturing the document content on a memory) and information about opening a foreign currency-only account opening application. File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby specifying the amount of won to be deposited by the foreign customer. It is preferable to process an electronic document for the application for opening a remittance-only account for automatic remittance to an overseas account.

Alternatively, the server generates document content including at least one foreign customer information included in the received overseas remittance-only account opening application information, the foreign account information to be remitted, and the image content captured the document content (Capture) (E.g., image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information included in the application for opening an overseas remittance-only account and foreign account information to be remitted in a watermarking manner. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file), which includes an image content including the watermarking, the image content including the watermarking, and the application for opening an overseas remittance-only account; Or a word processor file including at least one of HWP / DOC, etc., or MHT. By creating a document file, etc.), it is desirable to handle overseas remittances dedicated account opening application for automated electronic document transfer process to deposit the foreign currency amount that is given to customers overseas accounts.

Those skilled in the art to which the present invention pertains, the technical features that the server generates an electronic money transfer account open request electronic document in the image file format and / or a predetermined document file format, and the foreign money transfer account Since the technical features of the file format for the image file and / or the document file corresponding to the electronic application for opening will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated electronic money transfer account opening electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 associated with a server on the overseas remittance-only account opening system through predetermined communication means. When provided to the outside, the server transmits the generated foreign wire transfer dedicated account opening electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870) It is preferable.

Alternatively, when the electronic document storage is provided on the DBMS provided in the overseas remittance-only account opening system, the server is provided with the generated foreign remittance-only account opening application electronic document in the overseas remittance-only account opening system. It is possible to store in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the electronic money transfer account opening request electronic document in the electronic document storage, the process of linking the generated foreign money transfer dedicated account opening application electronic document with the predetermined electronic document management information It is preferable to include storing in the electronic document D / B 870 shown in FIG.

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

The electronic document management information may further include financial institution information that transmits the electronic money transfer application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, the foreign customer information transmitted by inputting (selecting) the application information for opening the overseas remittance-only account, and / or the electronic document for requesting the establishment of the overseas remittance-only account). Financial institution information to be transmitted, and / or electronic document file format information, and / or the application for opening a remittance-only account, etc.).

If the electronic document storage request electronic document opening application electronic document is stored in the electronic document storage (1360c), the server is based on the foreign customer information included in the foreign money transfer dedicated account opening application information, the foreign account information to be remitted based on the financial information Create account information (1365c).

Here, the financial account information preferably comprises an account number and an interest rate information corresponding to the overseas remittance-only account opened based on the application information for opening the remittance-only account for foreign remittances. If it includes, it is preferable that the predetermined subscription period and payment date and time and payment amount information further comprises.

Thereafter, the server is linked to the financial system 880 to include the financial account information based on the foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted. The account is opened (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 880 (or is matched with the foreign customer information and is provided with a pre-set). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby establishing the overseas remittance-only account. In response to the application information, the foreign currency amount deposited by the foreign customer is characterized in that the opening of the predetermined financial account for automatic remittance processing to the designated overseas account.

When the server and the financial system 880 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 885 in association with the financial system 880. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 880 exist on another system connected through a predetermined communication means, the server is connected to the financial system 880 through a predetermined communication means. It is preferable to request the general ledger D / B 885 on the other financial system 880 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates overseas remittance-only account information including at least one or more foreign customer information included in the overseas remittance-only account opening application information and the foreign account information to be remitted and stores it in a predetermined storage medium 875. (1375c)

According to an exemplary embodiment of the present invention, when the storage medium 875 is provided in the server or on the network associated with the server, the server includes the received foreign money-only account opening application information. Preferably, the storage medium 875 stores foreign money transfer-only account information including at least one foreign customer information and foreign account information to be remitted.

According to another exemplary embodiment of the present invention, when the storage medium 875 is provided in the DBMS provided on the financial system 880, the server includes the foreign customer included in the received application for opening a remittance-only account. It is preferable to provide foreign remittance-only account information including at least one information and foreign account information to be remitted as an information system through an external system on the financial system 880 and to store it in a DBMS provided on the financial system 880. .

Thereafter, the server stores predetermined financial account opening history information (for example, the overseas remittance-only account opening history, and / or the history of storing the overseas remittance-only account opening application electronic document in the electronic document repository, and / or the storage). In the medium 875, the details of storing the application information for opening the foreign currency dedicated account opening) are generated (or extracted) and transmitted to the terminal (1380c).

According to an embodiment of the present invention, the storage medium 875 is provided in a DBMS on a financial system 880 provided on the overseas remittance dedicated account opening system (or associated with the overseas remittance dedicated account opening system). Preferably, the storage medium 875 is a ledger D / B 885 provided in the DBMS on the financial system 880, and / or a predetermined database associated with the ledger D / B 885 The present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 875 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign remittance-only account opening system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

FIG. 14 is a diagram illustrating a system for exclusive use of an overseas remittance account for automatic remittance processing of a won amount to be paid by a foreign customer according to an embodiment of the present invention. FIG.

In more detail, Figure 14 is based on the overseas remittance-only account stored in the storage medium (1435) to operate the overseas remittance dedicated account opened through the system for opening a remittance dedicated account shown in FIG. A system configuration for achieving automatic remittance processing of a won amount to be paid by a foreign customer to a designated overseas account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing. Although it is possible to infer various implementation methods for an overseas remittance-only account operation system for automatic remittance processing of the won amount to be paid by a foreign customer to a designated overseas account, the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 14 according to an embodiment of the present invention, the overseas remittance-only account operating system includes a ledger corresponding to an overseas remittance-only account opened through the system for establishing an overseas remittance-only account shown in FIG. 1 or 8. And a storage medium (1435) for storing the foreign bank information and the foreign bank account information including at least one foreign account information to be remitted, and the foreign bank dedicated account in connection with the financial system. And a financial account management server 1400 for periodically checking the overseas remittance-only account information stored in the storage medium 1435 to achieve automatic remittance processing to the designated overseas account. It is characterized by.

Here, the storage medium 1435 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the financial account management server 1400 is a ledger server provided in the financial system, or a financial company server on the overseas remittance-only account opening system shown in FIG. 1 or 8, or in FIG. 1 or 8. Various banking servers (eg, internet banking server, wireless banking server, tele banking server, home banking server, TV banking server, etc.) operating the overseas remittance dedicated account in connection with the illustrated financial system, or the foreign customer deposits It may be a separate server provided to achieve the automatic remittance processing to the specified overseas account to the won amount, whereby the present invention is not limited.

In addition, in FIG. 14, the financial account management server 1400 functions to operate the overseas remittance-only account in connection with the financial system and periodically transmits the information of the foreign remittance-only account stored in the storage medium 1435. While confirming and including all of the functional configuration to achieve automatic transfer processing to the specified foreign account, the amount of won that the foreign customer deposits, thereby the invention is not limited by this, the financial account management server 1400 is It is clear that each functional configuration can be made through a separate server (or device).

The financial system is a general term for a computer system having a ledger corresponding to the overseas remittance-only account opened through the system for establishing an overseas remittance-only account shown in FIG. 1 or 8, and is basically a branch of the financial institution. And / or a branch) and at least one window terminal connected to a predetermined financial network (eg, a branch network), and face to face at least one financial transaction customer through the window terminal. Provide transaction services.

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 (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) equipped with a connection and browsing function with the mobile communication network) and / or GSM Provide non-face-to-face financial transaction services to at least one financial transaction customer through a Global System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). to provide.

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

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

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

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

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that the cooperative process is stored.

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

The storage medium 1435 stores the foreign remittance dedicated account information including at least one foreign customer information and foreign account information to be remitted through an overseas remittance dedicated account opening system shown in FIG. 1 or 8. As a generic term of means, the storage medium 1435 is provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or at least one banking, according to the intention of the skilled person. Anything provided on the system is possible.

The foreign customer information may include personal information of the foreign customer (eg, foreign customer's name, foreign customer's passport number information, foreign customer's foreign address, domestic residence address, foreign phone number, domestic residence phone number, mobile phone number, e-mail address, Work information (eg, work name, business registration number, representative name, etc.) where the foreign customer works, and member information of the foreign customer (eg, the customer is registered as a financial transaction customer of the financial institution). Correspondingly, at least one or more member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system linked to the overseas remittance-only account opening system may be included.

The foreign account information to be remitted includes at least one of an overseas account number for the foreign account for which the foreigner transfers the amount of money deposited through the foreign remittance-only account opened by the foreign customer, the name of the financial institution in which the account is opened, and the like. It is preferable to comprise as mentioned above.

Referring to FIG. 14, the financial account management server 1400 may include at least one client terminal for operating an overseas remittance-only account opened through an overseas remittance-only account opening system shown in FIG. 1 or FIG. 8. 1440 and an interface unit 1405 (or interface means) for connecting a communication channel for operating an overseas remittance-only account, and the overseas remittance-only account from the customer terminal 1440 in connection with the interface unit 1405. An information receiving unit 1425 (or information receiving means) for receiving predetermined financial account usage information for a financial account for operating the overseas remittance-only account in connection with the financial system based on the received financial account usage information; It is characterized in that it comprises an operating unit 1410 (or financial account operating means), the financial account operating unit 1410 according to the intention of those skilled in the art It is possible to comprise at least two or more functional components (or means) in detail, whereby the invention is not limited.

According to an embodiment of the present invention, when the customer terminal 1440 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1405 may be configured based on the protocol stack defined in the communication network. Connecting at least one communication channel with an employee terminal and transmitting and receiving at least one information (or data) for operating the employee terminal and the overseas remittance-only account using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another embodiment of the present invention, when the customer terminal 1440 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1405 is based on the protocol stack defined in the wired communication network. At least one or more information for connecting the terminal 1440 to a predetermined communication channel and operating the wired terminal and the overseas remittance-only account using a communication protocol defined in a financial transaction program included in the customer terminal 1440 ( Or a communication interface for transmitting and receiving data).

For example, when the client terminal 1440 is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 may be connected to the client terminal 1440 based on the TCP / IP protocol. Connect a communication channel and use a HTPP protocol defined in the browser program to designate a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information (or HTML) for operating an overseas remittance-only account. Communication interface for transmitting and receiving data).

Or, if the customer terminal 1440 is provided with a predetermined financial transaction program directly interworking with the financial account management server 1400, the interface unit 1405 is based on the TCP / IP protocol to the customer terminal ( 1440 and a communication channel, and provide a communication interface for transmitting and receiving information (or data) for operating the overseas remittance-only account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the customer terminal 1440 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 may be configured based on the protocol stack defined in the wireless communication network. At least one information (or data) for connecting the customer terminal 1440 with a predetermined communication channel and operating the overseas remittance-only account using a communication protocol defined in the financial transaction program included in the customer terminal 1440. It is desirable to provide a communication interface for transmitting and receiving.

For example, when the client terminal 1440 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol, the interface unit 1405 is based on the CDMA / WCDMA protocol. Connecting a communication channel with the customer terminal 1440, using a WAP / ME protocol defined in the browser program, a predetermined web page (e.g., WML (Wireless Markup Language) compatible web page, Or an HTML compatible web page) and / or an information (or data) interface.

Or, if the customer terminal 1440 is provided with a predetermined financial transaction program directly interworking with the financial account management server 1400, the interface unit 1405 is based on the CDMA / WCDMA protocol the client terminal ( 1440 and a communication channel, and provide a communication interface for transmitting and receiving information (or data) for operating the overseas remittance-only account using a communication protocol defined in the financial transaction program.

The information receiving unit 1425 receives predetermined financial account usage information for operating the overseas remittance-only account from the customer terminal 1440 in connection with the interface unit 1405, the received financial account The usage information is provided to the financial account manager 1410.

The financial account manager 1410 may perform various financial transaction procedures for the overseas remittance-only account in connection with the financial system based on the received financial account usage information.

According to an embodiment of the present invention, when the financial account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the overseas remittance-only account, It is preferable that the account manager 1410 performs a deposit transaction procedure for the overseas remittance-only account in connection with the financial system based on the financial account use information, and the details of the deposit transaction correspond to the overseas remittance-only account. It is preferable to record in the ledger.

According to another embodiment of the present invention, withdrawal transaction request information (for example, a withdrawal transaction amount and an amount withdrawn from the overseas remittance account) is deposited in the financial account use information. ), The financial account management unit 1410 preferably performs a withdrawal transaction (or transfer transaction) procedure for the overseas remittance-only account in connection with the financial system based on the financial account usage information. And, it is preferable to record the withdrawal transaction details in the ledger corresponding to the overseas remittance-only account.

In addition, the financial account management unit 1410 periodically checks the amount of money deposited in the overseas remittance-only account, and interest (or the rate of return) on the deposit amount according to the interest rate (or yield) corresponding to the overseas remittance-only account. Proceeds), deposit the calculated interest (or proceeds) into the dedicated overseas remittance account, and record the interest (or proceeds) deposit in the ledger corresponding to the dedicated overseas remittance account.

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

Referring to Figure 14, the financial account management server 1400, the financial account management unit 1410 in conjunction with the financial system for the automatic remittance processing of the foreign currency amount deposited by the foreign customer to a specified overseas account; A financial account checking unit 1415 (or financial account checking means) which checks whether or not an amount of a predetermined amount or more is deposited into the overseas remittance-only account in connection with the financial system while operating the account for the exclusive use of the international remittance; As a result of the check, when an amount of a predetermined amount or more is deposited into the overseas remittance-only account, the foreign customer sends the amount of won that the foreign customer deposits in order to transfer the amount of the deposit to an overseas account to be remitted by the foreign customer. An information confirmation unit 1420 (or information confirmation means) for confirming exchange rate information for remittance processing to a designated foreign account to be remitted, and the confirmation A money transfer processing unit 1430 (or a remittance processing means) for exchanging the amount deposited by the foreign customer based on exchange rate information, and then remitting the exchanged amount to an overseas account to be remitted by the foreign customer; It is characterized by comprising.

The financial account checking unit 1415 is configured to operate the overseas remittance-only account by the financial account operating unit 1410 in connection with the financial system for automatic remittance processing of the won amount that the foreign customer deposits to a designated overseas account. In the meantime, it is characterized by checking whether or not a certain amount of money is deposited into the overseas remittance-only account in connection with the financial system.

According to the implementation method of the present invention, whether the amount of a certain amount or more is deposited into the overseas remittance-only account includes: When the foreign customer deposits the won amount into the overseas remittance-only account, It is advisable to check whether the amount of the exchange fee and the amount of the remittance fee required to process the exchange is deposited.

According to another exemplary embodiment of the present invention, whether or not a predetermined amount or more is deposited into the overseas remittance-only account includes a predetermined amount or more designated by the foreign customer in order to process the remittance to the foreign account to be remitted by the foreign customer. It is desirable to check whether it is deposited.

When the foreign customer deposits a predetermined amount or more into the overseas remittance-only account through the financial account checking unit 1415, the information checking unit 1420 may transfer the won amount deposited by the foreign customer in response thereto. In order to process the remittance to an overseas account, it is characterized in that the exchange rate information for the exchange processing to the foreign currency that can be transferred to the foreign account to be remitted.

Here, the exchange rate information is preferably provided by a financial institution operating the overseas remittance-only account, and / or received from a separate information providing server (not shown) providing the exchange rate information.

The remittance processing unit 1430 exchanges the foreign currency amount deposited by the foreign customer based on the confirmed exchange rate information, and transfers the exchanged foreign currency amount to a foreign currency remittance (eg, SWIFT (Society for Worldwide Interbank Financial) Telecommunications), etc.).

Here, it is preferable to transfer the remaining amount of money excluding the exchange fee and the transfer fee in order to exchange the won amount received by the foreign customer and transfer it to the foreign account to be remitted by the foreign customer.

Alternatively, a portion of the exchange fee and the transfer fee (or the entire amount) may be received from the foreign customer in order to exchange the amount of won received by the foreign customer and transfer the money to an overseas account to be remitted by the foreign customer. It is preferable to exclude the foreign exchange fee and remittance fee other than the amount of money that has been paid, from the won amount of money that the foreign customer deposits, and then transfer the money by processing it.

15 is a diagram illustrating a process for automatically remitting a foreign currency amount deposited by a foreign customer to a designated overseas account according to an embodiment of the present invention.

In more detail, Figure 15 is based on the overseas remittance-only account stored in the storage medium (1435) to operate the overseas remittance dedicated account opened through the system for opening a remittance dedicated account shown in Figure 1 or Figure 8 Regarding the process of achieving automatic remittance processing of the won amount to be paid by a foreign customer to a designated overseas account, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 15 and the foreigner It will be able to infer various implementation methods for the process of automatically remitting the amount of won payment by the customer to the specified overseas account, but the present invention includes all the implementation methods inferred, shown in Figure 15 The technical features are not limited only by the implementation method.

Hereinafter, in FIG. 15, the financial account operating server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience.

Referring to FIG. 15, the server shown in FIG. 14 checks whether or not a certain amount of money is deposited into an overseas remittance-only account opened through the system for establishing an overseas remittance-only account shown in FIG. 1500).

According to the implementation method of the present invention, whether the amount of a certain amount or more is deposited into the overseas remittance-only account includes: When the foreign customer deposits the won amount into the overseas remittance-only account, It is advisable to check whether the amount of the exchange fee and the amount of the remittance fee required to process the exchange is deposited.

According to another exemplary embodiment of the present invention, whether or not a predetermined amount or more is deposited into the overseas remittance-only account includes a predetermined amount or more designated by the foreign customer in order to process the remittance to the foreign account to be remitted by the foreign customer. It is desirable to check whether it is deposited.

If a certain amount or more is deposited into an overseas remittance-only account opened through the system for opening an overseas remittance-only account shown in FIG. 1 or 8 (1505), the server converts the won amount into the overseas remittance-only account. Verify the exchange rate information for money transfer processing by exchange (1510).

Here, the exchange rate information is preferably provided by a financial institution operating the overseas remittance-only account, and / or received from a separate information providing server (not shown) providing the exchange rate information.

Thereafter, the server checks the overseas account information to be remitted by the account holder (that is, the foreign customer) of the overseas remittance-only account based on the confirmed exchange rate information through the storage medium 1435 shown in FIG. In order to transfer money to the confirmed foreign account to be remitted, the foreign currency amount transferred to the overseas remittance-only account is exchanged (1515), and the remitted foreign currency amount stored in the storage medium 1435 can be transferred. Remittance to an overseas account (1520).

Here, it is preferable to transfer the remaining amount of money excluding the exchange fee and the transfer fee in order to exchange the won amount received by the foreign customer and transfer the money to the foreign account to be remitted by the foreign customer.

Alternatively, a portion of the exchange fee and the transfer fee (or the entire amount) may be received from the foreign customer in order to exchange the amount of won received by the foreign customer and transfer the money to an overseas account to be remitted by the foreign customer. It is preferable to exclude the foreign exchange fee and remittance fee other than the amount of money that has been paid, from the won amount of money that the foreign customer deposits, and then transfer the money by processing it.

According to the present invention, by establishing a virtual account dedicated to overseas remittance, and providing a remittance service through this, there is an advantage that a separate document creation process is unnecessary.

According to the present invention, by providing a variety of information, such as exchange rate / exchange fee / remittance fee at the same time when depositing the won amount, there is an advantage that can effectively use the service.

Claims (5)

When a foreign worker requests the opening of a financial account that transfers the full amount (or part) of the amount deposited, to the designated overseas account, the full or partial amount of the amount deposited into the financial account includes the foreign account information to be remitted. Receiving a request for opening; Opening a financial account in the name of the foreign worker and storing the received foreign account information in the opened financial account ledger; Confirming foreign account information stored in the financial account ledger when the foreign worker deposits the won amount into the opened financial account; Checking the exchange rate information between the currency and the won amount of the country where the identified foreign account is opened, and converting the exchange based on the confirmed exchange rate information; And remitting the foreign currency amount corresponding to the exchanged won amount to the foreign account. The method of claim 1, Checking the exchange rate information at the time when the actual foreign remittance is executed, when a time difference occurs between the time when the won is deposited into the financial account and when the actual foreign remittance is executed; And remitting the foreign worker to the foreign worker to confirm the exchange rate information. The method of claim 1 or 2, wherein the financial account, Overseas remittance method, characterized in that the foreign account is a virtual account with a pre-opened (or newly opened) financial account as the parent account. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When a foreign worker requests the opening of a financial account that transfers the full amount (or part) of the amount deposited, to the designated overseas account, the full or partial amount of the amount deposited into the financial account includes the foreign account information to be remitted. Means for receiving a request to establish; Means for opening a financial account in the name of the foreign worker and storing the received foreign account information in the opened financial account ledger; Means for confirming foreign account information stored in the financial account ledger when the foreign worker deposits the won amount into the opened financial account; Means for confirming exchange rate information between the currency and the won amount of the country where the identified foreign account is opened, and converting the exchange based on the confirmed exchange rate information; And a means for remitting the foreign currency amount corresponding to the exchanged won amount to the foreign account.

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