KR20100125496A

KR20100125496A - System and method for providing internet banking service by using registered terminal

Info

Publication number: KR20100125496A
Application number: KR1020090044244A
Authority: KR
Inventors: 김태선
Original assignee: 주식회사 신한은행
Priority date: 2009-05-21
Filing date: 2009-05-21
Publication date: 2010-12-01

Abstract

The present invention relates to a method and a system for providing an internet banking service using a specific terminal. The method for providing an internet banking service using a specific terminal according to the present invention associates customer information with one or more specific terminal information designated by the customer for internet banking. Processing and storing in a storage medium; and when the terminal accesses an internet banking server, interworking with the storage medium, checking whether the connected terminal is a terminal pre-registered for internet banking, and determining whether or not internet banking is possible. And providing a web page for internet banking to the terminal when the terminal is a terminal pre-registered for internet banking.

Description

System and Method for Providing Internet Banking Service by Using Registered Terminal}

1 is a diagram illustrating a face-to-face information registration system for pre-registration of Internet banking enabled PC information according to an embodiment of the present invention.

2 is a view showing the configuration of banking PC pre-registration request information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for pre-registration of Internet banking-enabled PC information according to an embodiment of the present invention.

3 is a view illustrating a configuration of banking-enabled PC pre-registration request information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for pre-registration of Internet-banking-enabled PC information according to another embodiment of the present invention. Figure is shown.

FIG. 4 is a diagram illustrating a configuration of bankable PC pre-registration request information stored in a DBMS provided in a banking server in a face-to-face manner for pre-registration of Internet banking-enabled PC information according to another embodiment of the present invention.

5 is a diagram illustrating a process of registering banking-enabled PC pre-registration request information in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face information registration system for pre-registration of Internet banking enabled PC information according to another exemplary embodiment of the present invention.

FIG. 7 is a diagram illustrating a configuration of bankable PC pre-registration request information stored in the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to an embodiment of the present invention. .

8 is a view illustrating the configuration of banking-enabled PC pre-registration request information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for pre-registration of Internet-banking-enabled PC information according to another embodiment of the present invention. Figure is a diagram.

FIG. 9 is a diagram illustrating a configuration of banking PC pre-registration request information stored in a DBMS provided in a banking server in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to another embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering bankable PC pre-registration request information in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to one embodiment of the present invention.

11A and 11B illustrate a process of registering bankable PC pre-registration request information in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to another exemplary embodiment of the present invention.

12 is a block diagram of an Internet banking system using a pre-registered PC according to an embodiment of the present invention.

13 is a diagram illustrating a process of processing Internet banking after pre-registration of Internet banking-capable PC information according to an exemplary embodiment of the present invention.

14 is a diagram illustrating a process of processing Internet banking after pre-registration of Internet banking enabled PC information according to another embodiment of the present invention.

15 is a diagram illustrating a process of processing Internet banking after pre-registration of Internet banking-capable PC information according to another embodiment of the present invention.

1200: Internet banking server 1205: Web interface unit

1210: information confirmation unit 1215: web page operation unit

1220: banking service control unit 1225: content operation unit

1230: customer authentication unit 1235: banking processing unit

1240: ledger processing unit

The present invention comprises the steps of linking the customer information and one or more specific terminal information specified by the customer for Internet banking in a storage medium, and when the terminal is connected to the Internet banking server, the connected terminal in conjunction with the storage medium, Determining whether the Internet banking is possible by checking whether the terminal is pre-registered for internet banking, and if the terminal is a terminal pre-registered for internet banking, providing a web page for internet banking to the terminal. The present invention relates to a method for providing an internet banking service using a specific terminal.

With the rise of Internet banking, customers can make various financial transactions without visiting the bank.

However, due to the development of computer technology, hacking and illegal use of financial information of Internet banking customers often occur, and it is urgent to prepare additional supplementary measures for existing Internet banking.

An object of the present invention for solving the above problems, the step of linking the customer information and one or more specific terminal information specified by the customer for Internet banking to store in a storage medium, and when the terminal accesses the Internet banking server, the storage medium Determining whether the connected terminal is a terminal pre-registered for internet banking, determining whether the Internet banking is possible, and if the terminal is a terminal pre-registered for internet banking, internet banking to the terminal. The present invention provides a method for providing an internet banking service using a specific terminal, the method including providing a web page.

In accordance with an aspect of the present invention, there is provided a method for providing an internet banking service using a specific terminal, wherein the customer information and one or more specific terminal information designated by the customer for internet banking are processed in association with each other and stored in a storage medium, when the terminal accesses an internet banking server, Determining whether the connected terminal is a terminal pre-registered for internet banking by determining whether the connected terminal is pre-registered for internet banking; and if the terminal is a terminal pre-registered for internet banking, the terminal And providing a web page for internet banking.

In addition, when the Internet banking request to any terminal other than the terminal registered in advance for the Internet banking, a web page including an interface for inputting (or selecting) authentication information for temporarily granting the Internet banking to the Internet banking request terminal. And determining whether the authentication information input (or selected) and transmitted through the interface and the authentication information previously registered by the customer are the same, and, if the same is the same, the web for internet banking to the Internet banking request terminal. And providing a page.

Internet banking service providing system using a specific terminal according to the present invention, by referring to the information stored in the Internet banking available terminal information, the terminal requesting the Internet banking whether the terminal is registered in advance for Internet banking, the terminal is registered in advance The terminal which permits internet banking and accesses an internet banking server and an internet banking server that provides an internet banking service by checking authentication information for the temporary grant of internet banking if the terminal is not a pre-registered terminal. Characterized in that it comprises a.

According to the present invention, the pre-stored Internet banking available terminal information includes, as computer-specific information, one or more MAC (Media Access Control) addresses, Ethernet hardware addresses, adapter addresses, CPU serial numbers, and the like. It is done.

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.

In more detail, FIG. 1 shows at least one of customer information and PC-specific information for pre-registration of the Internet banking-capable PC information to an information registration system through a predetermined information registration interface. When providing the banking-enabled PC pre-registration request information including the above, the customer information, PC-specific information included in the provided banking PC pre-registration request information in the information registration system in conjunction with the Internet banking information of the customer predetermined As a system configuration for storing in the storage medium 130 of the present invention, those skilled in the art to which the present invention belongs, information registration system for pre-registration of Internet banking capable PC information by referring to or modifying the present Figure 1 Various implementation methods for the configuration may be inferred, but the present invention is inferred from the above Any implementation method is included, and is not limited only to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing banking-enabled PC pre-registration request information provided from the customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the information registration system for pre-registration of the Internet banking-capable PC information includes an information registration terminal including a teller terminal provided at at least one financial institution branch. The information registration terminal is connected to the communication channel and the information registration server 100 provided on the information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer may visit the financial institution branch for pre-registration of the Internet banking-capable PC information, and perform internet banking through a window provided at the financial institution branch (or through a teller). After completing a prescribed application for pre-registration of PC information (e.g., a document with a form for filling in at least one information item for pre-registration of internet banking-capable PC information), and submitting the completed application to the counter staff, The teller staff inputs (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information provided on the information registration system through the financial network. It is preferable to transmit to the information registration server 100.

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

In the information registration system as described above, an application created by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 100, the customer can use the Internet banking PC. Performs the function of the information registration interface for registering the bankable PC pre-registration request information for information pre-registration.

The storage medium 130 provided on the information registration system according to the present invention stores the predetermined information by cooperatively processing the customer information and PC-specific information included in the bankable PC pre-registration request information provided from the information registration terminal. The banking-enabled PC pre-registration request information including at least one of the customer information and the PC-specific information stored in the storage medium 130 may be stored in the medium 130. To be used.

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

The PC-specific information is unique information corresponding to one or more PCs for which the customer intends to conduct internet banking, and includes one or more MAC (Media Access Control) addresses, Ethernet hardware addresses, adapter addresses, CPU serial numbers, and the like. It is preferable to make.

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

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

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

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

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

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

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. The interface providing unit 110 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined banking-capable PC pre-registration request information from the information registration terminal to provide the information registration terminal to the information registration terminal. And an information receiving unit 115 for receiving predetermined banking-capable PC pre-registration request information which is input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105, and the reception. Validation unit 120 for checking the validity of the banking PC pre-registration request information, and the banking PC pre-registration request information is confirmed Customer group information, the process-specific information linking the PC and the Internet banking information of the customer is characterized in that formed in an information storage unit 125 to store in a storage medium 130.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) banking-enabled PC pre-registration request information and transmit it to the information registration server 100 through the financial network, or extract it from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 105 may be provided to the information registration terminal through the financial network.

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

Thereafter, the information registration terminal inputs (or selects) bankable PC pre-registration request information including at least one of the customer information and PC-specific information based on the user interface, and the input (or select) banking is possible. PC pre-registration request information is transmitted to the information registration server 100 through the financial network.

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

When the information receiving unit 115 inputs (or selects) banking-enabled PC pre-registration request information including at least one of customer information and PC-specific information through the user interface, the information registration terminal 115 transmits the information through the financial network. And receiving the bankable PC pre-registration request information in association with the interface unit 105, and provides the received banking PC pre-registration request information to the validity checker 120.

The validity confirming unit 120 checks whether the bankable PC pre-registration request information received from the information registration terminal satisfies the validity for pre-registration of the Internet bankable PC information.

According to an embodiment of the present invention, the validity check of the bankable PC pre-registration request information may include at least one matched with the bankable PC pre-registration request information in the ledger D / B on the financial system associated with the information registration system. It is preferable to include checking whether the ledger information is registered.

For example, the validity of the bankable PC pre-registration request information is matched with the customer ledger stored in the ledger D / B on the financial system associated with the information registration system with the customer information included in the bankable PC pre-registration request information. It is preferable to include checking whether or not.

When the validity of the bankable PC pre-registration request information is confirmed, the information storage unit 125 processes the customer information and PC-specific information included in the bankable PC pre-registration request information in association with the Internet banking information of the customer. When the storage medium 130 is provided in the information registration server 100, or provided on the network associated with the information registration server 100, the storage medium 130, The information storage unit 125 is preferably stored in the storage medium 130 by processing the customer information, PC-specific information included in the received banking PC pre-registration request information in association with the Internet banking information of the customer. When the storage medium 130 is provided in the DBMS provided on the financial system, the information storage unit 125 stores the customer information and the PC-specific information included in the received banking PC pre-registration request information. It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

In more detail, FIG. 2 shows that when the storage medium 130 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system, the customer information and the PC are unique to the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an exemplary method of storing bankable PC pre-registration request information including information, and a person having ordinary knowledge in the art to which the present invention pertains refers to or modified with reference to FIG. Various information configuration methods for storing the bankable PC pre-registration request information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

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

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

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

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

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

Referring to FIG. 2, the bankable PC pre-registration request information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. The information is characterized in that it comprises at least one or more customer information, PC-specific information.

The PC-specific information is unique information corresponding to one or more PCs for which the customer intends to perform internet banking, and includes one or more MAC (Media Access Control) addresses, Ethernet hardware addresses, adapter addresses, CPU serial numbers, and the like. It is preferable to make.

According to another exemplary embodiment of the present invention, the bankable PC pre-registration request information is stored in the form of information included in the account ledger (not shown), or in another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information to be added, or in the form of information contained in other ledgers (eg, customer ledgers) other than the account ledger, and thus the present invention is not limited thereto.

3 is a view illustrating a configuration of banking-enabled PC pre-registration request information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for pre-registration of Internet-banking-enabled PC information according to another embodiment of the present invention. Figure is shown.

In more detail, FIG. 3 illustrates an information structure of an embodiment in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database processed in association with the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various reference methods for storing the bankable PC pre-registration request information in association with the ledger D / B in a predetermined database by referring to or modifying the drawing 3 will be described. Although an information construction method may be inferred, 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 bankable PC pre-registration request information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in accordance with the policy of the financial institution, the ledger of the DBMS). If it is not easy to change the D / B or the system expansion is not easy due to the characteristics of the financial system), the bankable PC pre-registration request information is stored in a predetermined database instead of the ledger D / B, and the database And an implementation method for storing the ledger D / B in association with each other.

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

Referring to FIG. 3, the database stores and stores the customer information and the PC-specific information included in the bankable PC pre-registration request information in association with the bankable PC pre-registration request information. Preferably, the bankable PC pre-registration request information further includes a CIF number corresponding to the ledger information to be linked to B.

4 is a diagram illustrating a configuration of banking PC pre-registration request information stored in a DBMS provided in a banking server in a face-to-face manner for pre-registration of Internet banking-enabled PC information according to another embodiment of the present invention.

In more detail, FIG. 4 shows a DBMS in which the storage medium 130 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. Regarding one embodiment provided in the present invention, those skilled in the art to which the present invention pertains, banking is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 4 It is possible to infer a method of constructing information on PC pre-registration request information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server may store and store customer information and PC-specific information included in the bankable PC pre-registration request information.

5 is a diagram illustrating a process of registering bankable PC pre-registration request information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 shows a case where the information registration server 100 on the information registration system shown in FIG. 1 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network. In this case, the window terminal connects to the information registration server 100 and connects a communication channel for registering bankable PC pre-registration request information according to the present invention, and then to the information registration server 100 through the communication channel. When the bankable PC pre-registration request information including the customer information and PC-specific information is transmitted, the customer information and PC-specific information included in the received bankable PC pre-registration request information are transmitted from the information registration server 100. The present invention relates to an embodiment of the present invention, which relates to the customer's Internet banking information and stores the information in a predetermined storage medium 130. 5 may be inferred from various implementation methods for registering the bankable PC pre-registration request information with the information registration server 100 in the window terminal. It includes a method, and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 is called "server" for convenience, and the information registration is performed in the window terminal. The customer information and PC-specific information transmitted to the server 100 are referred to as "bankable PC pre-registration request information" for convenience.

Referring to FIG. 5, the window terminal shown in FIG. 1 connects a predetermined communication channel for accessing the server through a predetermined financial network to register the bankable PC pre-registration request information, and enables the Internet banking. Upon requesting 500 registration of the bankable PC pre-registration request information for PC information pre-registration, the server generates (or extracts) a predetermined information registration interface for registering the bankable PC pre-registration request information; 505) and transmits and outputs the generated (or extracted) information registration interface to the terminal through the communication channel (510).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) bankable PC pre-registration request information including at least one of the customer information and the PC-specific information in the terminal. desirable.

Thereafter, the terminal inputs (or selects) bankable PC pre-registration request information including at least one or more customer information and PC-specific information through the information registration interface (515).

If the terminal inputs (or selects) bankable PC pre-registration request information including the customer information and the PC-specific information through the information registration interface (520), the terminal inputs the input (or The bankable PC pre-registration request information including the selected customer information and the PC-specific information is transmitted to the server (525).

Thereafter, the server receives and reads the customer information and the PC-specific information through the financial network to check the validity of the bankable PC pre-registration request information (530).

If the validity of the bankable PC pre-registration request information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540). Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the bankable PC pre-registration request information is authenticated (535), the server performs the information registration procedure corresponding to the bankable PC pre-registration request information, thereby providing the customer information and the PC-specific information to the customer. The process is linked to the Internet banking information of the predetermined storage medium 130 and stored (545).

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

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the bankable PC pre-registration request information transmitted from the terminal.

6 is a diagram illustrating a non-face-to-face information registration system for pre-registration of Internet banking enabled PC information according to another embodiment of the present invention.

In more detail, Figure 6 shows that at least one of customer information and PC-specific information for pre-registration of the Internet banking-capable PC information to the information registration system by a customer who wants to perform internet banking to a specific one or more PCs. When providing the bankable PC pre-registration request information including the above, the customer registration information and PC-specific information included in the bankable PC pre-registration request information provided by the information registration system are linked with the Internet banking information of the customer. As a system configuration for storing in the storage medium 630 of the present invention, those skilled in the art to which the present invention belongs, information registration system for pre-registration of Internet banking capable PC information by referring to or modifying the present figure Various implementation methods for the configuration may be inferred, but the present invention is inferred from the above Includes any method embodiment, it shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, at least one means or functional configuration for storing banking-enabled PC pre-registration request information provided from the customer on the storage medium 630 via a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 600 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, the information registration system for pre-registration of Internet-banking-capable PC information includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises an information registration terminal comprising, the information registration terminal is connected to the communication channel and the information registration server 600 provided on the information registration system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the information registration server 600 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the banking PC pre-registration request information for pre-registration of the Internet banking-capable PC information is input (or selected) through at least one user interface provided by the registration server 600, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 600 provided on the information registration system through.

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

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

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

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

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

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

In the above information registration system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the information registration server 600. The customer performs the function of the information registration interface for registering the banking-enabled PC pre-registration request information for the Internet banking-enabled PC information pre-registration.

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

In the information registration system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automated device (not shown), and the information registration server 600. The financial network that connects the customer to perform the function of the information registration interface for registering the banking PC pre-registration request information for the Internet banking-enabled PC information pre-registration, or the information registration terminal is the call terminal (shown) Omission), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 600 to allow the customer to pre-register the Internet banking enabled PC information. Performs a function of an information registration interface for registering banking-enabled PC pre-registration request information, or with the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an affiliated institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the information registration server 600. The network performs a function of an information registration interface for registering the bankable PC pre-registration request information for the customer to pre-register the Internet banking-enabled PC information.

The storage medium 630 provided on the information registration system according to the present invention stores the predetermined information by cooperatively processing the customer information and PC-specific information included in the bankable PC pre-registration request information provided from the information registration terminal. The banking-enabled PC pre-registration request information including at least one of the customer information and the PC-specific information stored in the storage medium 630 may be stored in the medium 630. To be used.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may implement 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. 6, the information registration server 600 connects a communication channel with the information registration server 600 through the interface unit 605 after the predetermined information registration terminal is connected to the interface unit 605. Interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and sending predetermined banking-enabled PC pre-registration request information from the information registration terminal in association with the information registration terminal. And an information receiving unit 615 for receiving predetermined banking-capable PC pre-registration request information which is input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 605, and the reception. The customer information and PC-specific information included in the banking-enabled PC pre-registration request information are processed in association with the Internet banking information of the customer and stored in a predetermined storage medium 630. The information includes a storage unit 625, which is characterized in that formed.

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

Thereafter, the information registration terminal inputs (or selects) bankable PC pre-registration request information including at least one of the customer information and PC-specific information based on the user interface, and the input (or select) banking is possible. PC pre-registration request information is transmitted to the information registration server 600 through the financial network.

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

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

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

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

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

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the bankable PC pre-registration request information to the information registration terminal and transmitting the information to the information registration server 600 through the network means is provided. When a predetermined information registration program is provided, the interface providing unit 610 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 615 inputs (or selects) bankable PC pre-registration request information including at least one of customer information and PC-specific information through the user interface and transmits the information through the network means. And receiving the bankable PC pre-registration request information in association with the interface unit 605, and provides the received banking PC pre-registration request information to the validity checker 620.

The validity confirming unit 620 may be configured to check whether the banking PC pre-registration request information received from the information registration terminal satisfies the validity for pre-registration of the Internet banking PC information.

When the validity of the bankable PC pre-registration request information is confirmed, the information storage unit 625 processes the customer information and PC-specific information included in the bankable PC pre-registration request information in association with the storage medium 630. And the storage medium 630 is provided in the information registration server 600 or on the network associated with the information registration server 600. Preferably the customer information and PC-specific information included in the received banking PC pre-registration request information is processed in association with the Internet banking information of the customer and stored in the storage medium 630, and the storage medium 630. Is provided in the DBMS provided on the financial system, the information storage unit 625 stores the customer information, PC-specific information included in the received banking PC pre-registration request information to the external system on the financial system. It is preferable to provide the information system through the information system and store it in the DBMS provided on the financial system.

7 is a view showing the configuration of banking PC pre-registration request information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the Internet banking-enabled PC information pre-registration according to an embodiment of the present invention .

In more detail, in FIG. 7, when the storage medium 630 shown in FIG. 6 is the ledger D / B provided in the DBMS on the financial system, the customer information and the PC are unique to the ledger information provided in the ledger D / B. Figure 1 shows an information structure for one embodiment of a bankable PC pre-registration request information including information, and a person having ordinary knowledge in the art to which the present invention pertains refers to or modified with reference to FIG. Various information construction methods for storing the bankable PC pre-registration request information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is limited to the implementation method shown in FIG. Not.

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

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

Referring to FIG. 7, the bankable PC pre-registration request information provided through the information registration system shown in FIG. 6 is stored in the form of additional information added to the account ledger. The information is characterized in that it comprises at least one or more customer information, PC-specific information.

8 is a view illustrating a bankable PC pre-registration request information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to another embodiment of the present invention. Figure is a diagram.

In more detail, FIG. 8 illustrates an information structure of an embodiment in which the storage medium 630 shown in FIG. 6 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As one of ordinary skill in the art to which the present invention pertains, various methods for storing the bankable PC pre-registration request information in association with the ledger D / B and storing the bankable PC pre-registration information in a predetermined database by referring to or modifying the present invention. Although an information construction method may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 8 illustrates a case in which it is not easy to store the bankable PC pre-registration request information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger of the DBMS). If it is not easy to change the D / B or the system expansion is not easy due to the characteristics of the financial system), the bankable PC pre-registration request information is stored in a predetermined database instead of the ledger D / B, and the database And an implementation method for storing the ledger D / B in association with each other.

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

Referring to FIG. 8, the database may store and store the customer information and the PC-specific information included in the bankable PC pre-registration request information. The bankable PC pre-registration request information may be stored in the ledger D /. Preferably, the bankable PC pre-registration request information further includes a CIF number corresponding to the ledger information to be linked to B.

9 is a diagram illustrating a bankable PC pre-registration request information structure stored in a DBMS provided in a banking server in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to another embodiment of the present invention.

In more detail, FIG. 9 shows a DBMS in which the storage medium 630 shown in FIG. 6 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention belongs, banking is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the figure 9 It is possible to infer the information configuration method for the PC pre-registration request information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

9, the predetermined DBMS provided in the banking server is characterized in that the customer information included in the banking PC pre-registration request information, PC-specific information is stored in a cooperative process.

FIG. 10 is a diagram illustrating a process of registering bankable PC pre-registration request information in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a case in which the information registration server 600 on the information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 600 and connecting a communication channel for [information] registration according to the present invention, the information containing the customer information, PC-specific information to the information registration server 600 through the communication channel When the bankable PC pre-registration request information is transmitted, the information registration server 600 processes the customer information and PC-specific information included in the received bankable PC pre-registration request information in association with the Internet banking information of the customer. As a method for storing in the storage medium 630 of the present invention, those skilled in the art to which the present invention pertains, refer to this figure 10 or change In this regard, various implementation methods for registering the bankable PC pre-registration request information from the client terminal to the information registration server 600 may be inferred, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 6 is referred to as a “server” for convenience and the information is registered in the client terminal. The customer information and PC-specific information transmitted to the server 600 are referred to as "banking pre-registration request information" for convenience.

Referring to FIG. 10, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for registering the bankable PC pre-registration request information by accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., and the banking for pre-registration of the Internet banking enabled PC information. When requesting registration of the available PC pre-registration request information (1000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the bankable PC pre-registration request information (1005), and The generated (or extracted) web page is transmitted to the terminal and output through the communication channel (1010).

In addition, the web page transmission or output process is preferably performed at least one or more times according to the banking PC pre-registration request information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) bankable PC pre-registration request information including at least one or more customer information and PC-specific information through the information registration interface (1015).

If the terminal receives (or selects) bankable PC pre-registration request information including the customer information and the PC-specific information through the information registration interface (1020), the terminal inputs the input (or The selected customer information and PC-specific information are transmitted to the server (1025).

According to an embodiment of the present invention, transmitting the input (or selected) customer information and PC-specific information to the server through the communication channel is a bankable PC dictionary input (or selected) through the information registration interface. The registration request information may be further transmitted through the digital signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information and the PC-specific information through the communication channel to check the validity of the bankable PC pre-registration request information (1030).

According to an embodiment of the present invention, checking the validity of the bankable PC pre-registration request information includes: when the bankable PC pre-registration request information is electronically signed or encrypted through a security module provided in the terminal, The method may further include decoding the bankable PC pre-registration request information or decoding the bankable PC pre-registration request information.

If the validity of the bankable PC pre-registration request information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), and the banking-enabled PC The information registration procedure corresponding to the pre-registration request information is not performed.

On the other hand, if the validity of the bankable PC pre-registration request information is authenticated (1035), the server performs an information registration procedure corresponding to the bankable PC pre-registration request information, thereby providing the customer information and the PC-specific information to the customer. In connection with the Internet banking information of the stored in the predetermined storage medium 630 (1045).

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the bankable PC pre-registration request information transmitted from the terminal.

11A and 11B illustrate a process of registering bankable PC pre-registration request information in a non-face-to-face manner for pre-registration of Internet banking-enabled PC information according to another embodiment of the present invention.

11A and 11B show the information registration system shown in FIG. 6 when the client terminal is a TCP / IP-based network (eg, in a case where a non-faced channel-based banking system is realized through an Internet banking system). After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the Internet terminal provides the banking PC pre-registration request information for pre-registration of Internet banking-capable PC information at the client terminal. When the bankable PC pre-registration request information including the customer information and PC-specific information is transmitted, the customer information included in the bankable PC pre-registration request information received from the information registration server 600 and PC-specific information. As an embodiment of the present invention relates to an embodiment of the present invention. Those skilled in the art will be able to infer various implementation methods for registering the bankable PC pre-registration request information from the client terminal to the information registration server 600 by referring to or modifying the drawings 11a and 11b. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

That is, in FIGS. 11A and 11B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the banking-enabled PC pre-registration request information between the client terminal and the Internet banking server, but if the person of ordinary skill in the art Banking between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 11a and 11b. It is possible to infer an implementation method of connecting an Internet banking-based financial transaction channel for registration of the PC pre-registration request information, but the present invention includes an Internet banking-based financial transaction provided based on the Internet banking program. The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, in addition to the Internet banking system, a telebanking system or wireless Although another banking system such as a banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering a bankable PC pre-registration request information, the present invention provides the telebanking system or wireless. It includes all types of non-face-to-face channel-based financial transactions, including banking system or TV banking system or future proposed non-face-to-face banking system, the technical configuration of the present invention is the case of the Internet banking shown in Figures 11a and 11b It is by no means limited to.

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

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

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

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

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

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

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

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) or provided by encrypting with at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by means of a decryption method (or a decryption algorithm), and the information (or data) to be provided to the server for registering the bankable PC pre-registration request information in the terminal. Attach a predetermined digital signature or at least one cancer If the encryption is transmitted using an encryption method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) to a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode.

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

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

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

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

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

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

On the other hand, if the Internet banking customer authentication is successful (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined banking-capable PC pre-registration request information for pre-registration of internet banking-capable PC information from the terminal to the server.

Subsequently, when the terminal requests internet banking-based banking-enabled PC pre-registration request information registration to the server through the inter-banking-based financial transaction channel to register banking-enabled PC pre-registration request information (1100b), the server requests Generating (or extracting) a web page corresponding to a predetermined information registration interface for registering bankable PC pre-registration request information (1105b), and generating (or extracting) the web page through the internet banking-based financial transaction channel; To transmit to the terminal and outputs (1110b).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) bankable PC pre-registration request information including at least one of customer information and PC-specific information in the terminal. Or a predetermined password (e.g., an account password, etc.) or security code (e.g., to confirm the validity of the banking PC pre-registration request information or the Internet banking customer requesting registration of the bankable PC pre-registration request information). A security code printed on a security card issued to a customer during the internet banking application process, or an OTP (One Time Password) (e.g., an internet banking application process (or after an internet banking application) OTP authentication program) further comprises an interface for inputting a one-time password generated through) It is preferable.

Thereafter, the terminal inputs (or selects) bankable PC pre-registration request information including at least one of the customer information and the PC-specific information through the information registration interface (1115b).

If the terminal receives (or selects) bankable PC pre-registration request information including the customer information and PC-specific information through the information registration interface (1120b), the terminal receives the input through the financial transaction channel ( Alternatively, the bankable PC pre-registration request information is transmitted to the server (1125b).

According to an embodiment of the present invention, the banking PC pre-registration request information input (or selected) through the financial transaction channel to the server may be banked or input (or selected) through the information registration interface. PC pre-registration request information through the security module provided in the terminal comprises the electronic signature or encryption is sent to the server.

Thereafter, the server receives and reads the bankable PC pre-registration request information through the financial transaction channel to check the validity of the bankable PC pre-registration request information (1130b).

In addition, the validity check of the bankable PC pre-registration request information may further include authenticating a password or security code or an OTP included in the bankable PC pre-registration request information.

If the validity of the bankable PC pre-registration request information is not authenticated (1135b), the server generates a web page including a predetermined banking PC pre-registration request information registration error information and transmits it to the terminal (1140b). ), The information registration procedure corresponding to the bankable PC pre-registration request information is not performed.

On the other hand, if the validity of the bankable PC pre-registration request information is authenticated (1135b), the server performs the information registration procedure corresponding to the bankable PC pre-registration request information and includes it in the bankable PC pre-registration request information. The customer information and the PC-specific information are processed in association with the Internet banking information of the customer and stored in the predetermined storage medium 630 (1145b).

Thereafter, the server generates a web page including predetermined banking-capable PC pre-registration request information registration history information and transmits the webpage to the terminal (1150b), thereby completing the registration of the bankable PC pre-registration request information transmitted from the terminal. .

More specifically, FIG. 12 illustrates a predetermined Internet banking server to which at least one client terminal and a communication channel for internet banking are connected based on a TCP / IP (Transmission Control Protocol / Internet Protocol) based network (eg, the Internet). When a request for processing at least one financial transaction is requested from the client terminal in connection with the financial system at 1200, the client terminal is connected to the Internet banking server 1200 through the information registration system of FIG. 1 or 6. When the customer terminal is a terminal registered in advance to enable the Internet banking by checking whether the terminal is registered in advance to enable the Internet banking, as an implementation method for an internet banking system that provides an Internet banking service, the Internet banking system is a web At least one customer terminal with a browser, and at least one customer In other words, it comprises an Internet banking server 1200 for providing an Internet banking service, the Internet banking server 1200 is linked with a financial system for processing the financial business required to provide the Internet banking service through a predetermined communication means. do.

Those skilled in the art to which the present invention pertains can easily guess the omitted components for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 12 shows the present invention between the customer terminal and the Internet banking server 1200 based on a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the customer terminal. Although the method of implementing the Internet banking system for processing the financial transaction according to the present invention, those of ordinary skill in the art, Internet banking based financial transaction channel connection method using the browser program shown in Figure 12 Based on a predetermined Internet banking program mounted on the customer terminal by referring to or modified to infer the configuration of the Internet banking system for processing the financial transaction according to the present invention between the customer terminal and the Internet banking server 1200. However, the present invention is based on the Internet banking program It includes an Internet banking system provided by, and the present 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 or modified the configuration of the Internet banking system shown in Figure 12, for the non-face-to-face channel-based financial transactions according to the present invention It would be possible to infer another banking system, such as a telebanking system or a wireless banking system or a TV banking system, but the present invention includes the telebanking system or a wireless banking system or a TV banking system or a future non-face-to-face banking system. It includes all types of non-facing channel banking systems, and the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal is provided with a desktop having at least one web browser for accessing the internet banking server 1200 based on the TCP / IP-based wired communication function and the wired communication function to receive a browsing-based wired web service. And a wired terminal including at least one of a computer or a notebook. The Internet banking server 1200 and the Internet are provided through a predetermined network means including the TCP / IP-based Internet. A communication channel for banking is connected.

The financial system is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Or an accounting system for processing a window service such as a receiving or trust or a foreign exchange, an information system for processing a headquarters business, a store information support and a customer information management, and an external system including the financial system and homes, businesses, stores and card companies. External system providing various electronic financial services (e.g., internet banking, phone banking, CD / Cash Dispenser) / ATM (Automatic Teller Machine), line transfer, call center, financial settlement, etc. Interface modules that correspond to the middleware platform that provides inter-component interfacing, DBMS (DataBase Management System) including at least one database that stores and manages predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in a component of an existing financial system. ), And according to the intention of the skilled person or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module (not shown), investment banking module It is possible to further include at least one or more components, such as (not shown), international module (not shown), and those skilled in the art to which the present invention pertains, the technical details of the financial system Since it will be clearly understood that the detailed description thereof is omitted for convenience, the present invention is not limited thereby. .

According to an embodiment of the present invention, the internet banking server 1200 is interlocked with the financial system through the external system. For this purpose, the internet banking server 1200 is interlocked with the internet banking server 1200 through a predetermined communication means. It is preferred to include a component for.

The internet banking server 1200 is a database that stores web operation data including at least one web page source or digital content for providing a predetermined web service to at least one or more customer terminals, or is linked with the financial system. A database storing Internet banking information required to provide an internet banking service of the Internet bank, or the client terminal connected to the Internet banking server 1200 may access the Internet banking service through an information registration system shown in FIG. And a storage medium including a database for storing information for confirming whether the terminal is a predetermined terminal, or interworking with a data server provided with the storage medium according to an embodiment. Predetermined by the above customer terminal The net banking services are provided.

According to an embodiment of the present invention, the Internet banking information may include at least one customer terminal authenticating a customer corresponding to the customer terminal when accessing and logging in to the Internet banking server 1200, or the customer is configured to use the Internet banking server. Customer authentication for authenticating the financial transaction customer during at least one financial transaction through 1200, or for authenticating a customer who subscribes to the financial product when the customer subscribes at least one financial product to the Internet banking server 1200. Information and banking element information for processing a financial transaction corresponding to the financial transaction request in conjunction with the financial system when the financial transaction is requested from the customer through the customer terminal. May contain at least one additional information required for Internet banking. However, in the case of FIG. 12 will be omitted for convenience.

According to an embodiment of the present invention, information for confirming whether the customer terminal connected to the server is a terminal which is preset to allow an internet banking service through the information registration system shown in FIG. As unique information corresponding to one or more PCs to be banked, it is preferable to include one or more MAC (Media Access Control) addresses, CPU serial numbers, and the like.

Referring to FIG. 12, the Internet banking server 1200 includes a web interface unit for connecting and managing a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more customer terminals. 1205 (or a web interface means) and a client terminal connected through a communication channel connected from the web interface unit 1205, are preset to allow an internet banking service through the information registration system shown in FIG. The information checking unit 1210 (or information checking means) for checking whether the terminal is a terminal capable of providing the Internet banking service, and interworking with the web interface unit 1205 and the storage medium may be provided to the at least one customer terminal. At least in conjunction with a web page operating unit 1215 (or web page operating means) for operating a web page and the web page operating unit 1215 A banking service control unit (or banking service control unit) for generating a user interface (UI) screen for providing a predetermined Internet banking service to one or more customer terminals;

The content management unit 1225 (or the predetermined content for extracting predetermined content for providing the Internet banking service from the storage medium in cooperation with the banking service control unit or receiving the predetermined content to be stored in the storage medium from the customer terminal (or Contents management means), and a communication channel and a user interface for processing Internet banking based on HTTP between the customer terminal and the Internet banking server 1200 are implemented by the functional configuration.

The information checking unit 1210 checks whether the terminal connected to the internet banking server 1200 is a terminal which is set to allow an internet banking service through the information registration system shown in FIG. 1 or 6. For example, when a predetermined terminal is connected to the Internet banking server 1200, the physical address (MAC address) of the LAN card of the connected terminal is determined through an address resolution protocol (ARP), and then the Internet is stored in the storage medium. Compared with the MAC address of the banking capable terminal, it is characterized in that whether the connected terminal is an Internet banking service capable terminal.

The web page operation unit 1215 of the internet banking server 1200 is connected to the storage medium based on the availability of the Internet banking service of the customer terminal identified by the information checking unit 1210 to the internet banking server 1200. If the connected customer terminal is not a terminal set to perform an Internet banking service, the web interface unit 1205 does not provide a web page to the customer terminal in connection with the banking service control unit. It is characterized by blocking the internet banking access or limiting some of the banking service functions.

For example, if the customer is not a terminal set in advance, the actual financial transaction may not be performed, but some inquiry services may be made available for inquiry.

In addition, according to another embodiment of the present invention, as a result of confirming through the information confirming unit 1210, the terminal connected to the customer to allow the Internet banking service through the information registration system shown in FIG. If the terminal is not a preset terminal, the web page operating unit 1215 may operate a web page for allowing an internet banking service to a client terminal connected to the internet banking server 1200.

In this case, in a situation where the customer cannot use the Internet banking through the terminal set in advance, if you want to perform the Internet banking to any terminal, in conjunction with the banking service control unit, temporarily granting the Internet banking to the customer terminal It is possible to provide a web page for.

Here, the banking service control unit provides an interface for performing a predetermined authentication procedure for internet banking grant (or temporary grant) to the terminal to which the customer is connected, and through the provided interface, the customer has a predetermined number for customer authentication. It is preferable to input (or select) the information of and transmit it to the server.

Preferably, in order to use the arbitrary terminal as a terminal for internet banking, the customer authentication information input (or selected) may include ID / PW information of the customer and personal information (eg, name, social security number, address, contact information, etc.). It is preferable to include at least one member information including at least one, wherein the customer authentication unit 1230 requests the ID / PW information of the customer to the customer terminal in conjunction with the banking service control unit, the customer terminal It is preferable to authenticate the customer by receiving the ID / PW information from and comparing the received ID / PW information with ID / PW information included in the member information.

In addition, in order to use the arbitrary terminal as a terminal for internet banking, the customer authentication information inputted (or selected) may include certification authority information (eg, financial information) that issued a predetermined certificate to a customer connected through the customer terminal. KFTC) and the authentication server information, or the official certificate registrar information (for example, the official information when the official certificate is registered through the party, the other information when the official certificate is registered through the other), or the certification body Preferably, the certificate information issued to the customer is further included. In this case, the customer authentication unit 1230 requests a certificate-based customer certification through an authentication certificate registered by the registration authority as a certification server of the certification authority. And by receiving the customer authentication result from the authentication server, it is preferable to authenticate the customer.

In addition, in order to use the arbitrary terminal as a terminal for internet banking, the customer authentication information input (or selected) includes a copy of a certificate of a customer accessing the internet banking server 1200 through the customer terminal. It is preferably made or comprises a directory connection information of the certification authority that issued a predetermined certificate to the customer, wherein the customer authentication unit 1230 is a certification authority that issued a predetermined certificate to the customer By requesting the certificate-based customer information to the customer terminal in conjunction with the authentication server of the, receiving the certificate-based customer information from the customer terminal, by authenticating the certificate-based customer information through a copy of the certificate or a certification authority directory It is desirable to authenticate the customer.

According to an embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, or the customer). Information input through an input device other than a key input device (for example, a short-range communication device) provided in the terminal. An encryption method, a public key encryption method, an electronic envelope encryption method, or an encryption method using at least one or more encryption methods of a key exchange encryption method and provided to the customer authentication unit 1230, the customer authentication unit 1230 Decrypt the encrypted input information based on the copy of the customer's official certificate or the certificate information of the customer extracted from the directory It is preferable to authenticate the customer by making a mutual comparison.

In addition, the customer authentication information stored in the storage medium may be OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the The customer authentication unit 1230 interoperates with the banking service control unit to request a predetermined OTP code from the customer terminal, receives the OTP code from the customer terminal, and generates a predetermined OTP authentication code based on the OTP generation information. And generating and comparing the generated OTP code with the generated OTP authentication code to authenticate the customer.

In addition, the customer authentication unit 1230 generates a predetermined authentication number for authenticating the customer requesting the use of the arbitrary terminal to the Internet banking terminal, and transmits the predetermined authentication number to the customer wireless terminal (mobile phone), When the authentication number transmitted to the wireless terminal is input through the provided interface, the authentication number input through the interface is compared with the authentication number transmitted to the customer wireless terminal, characterized in that to authenticate the customer.

In addition, the customer authentication unit 1230 generates a predetermined authentication number for authenticating the customer requesting the use of the arbitrary terminal to the Internet banking terminal, and transmits to the customer wireless terminal (mobile phone), the customer In case of inputting (or providing) the transmitted authentication number through a wireless Internet connection or a call connection through a wireless terminal, the authentication number transmitted to the customer wireless terminal is compared with the inputted (or provided) authentication number. It is characterized in that for authenticating the customer.

In addition, when the terminal connected to the Internet banking server 1200 through the information check unit 1210 is set to enable the Internet banking service, the banking service control unit based on the customer authentication information of the Internet banking information A customer authentication unit 1230 (or a customer) that provides a customer authentication interface screen to at least one or more customer terminals in conjunction with the web page operation unit 1215 or receives at least one or more customer authentication information based on the interface screen. Authentication means).

In addition, the internet banking server 1200 provides a financial transaction-related interface screen to at least one or more customer terminals by interworking with the web page operation unit 1215 through a banking service controller based on the banking element information of the internet banking information. Alternatively, a banking processor 1235 (or banking processor) receiving at least one financial transaction-related information based on the interface screen may be provided.

In addition, the Internet banking server 1200 includes a ledger processing unit 1240 (or ledger processing means) that performs a ledger processing procedure corresponding to the financial transaction requested by the customer in connection with a financial system through a predetermined communication means. Characterized in that, the ledger processing unit 1240 is preferably connected to the external system of the financial system through the communication means.

The customer authentication information stored in the storage medium includes at least one ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server 1200 through the customer terminal. It is preferable to include the member information, wherein the customer authentication unit 1230, in conjunction with the banking service control unit requests the ID / PW information of the customer to the customer terminal, the ID / from the customer terminal It is preferable to authenticate the customer by receiving PW information and comparing the received ID / PW information with ID / PW information included in the member information.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 1200 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. Preferably, the customer terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method. The customer authentication unit 1230 preferably further includes a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the storage medium may include the certification authority information (eg, KFTC) and certificate server information, or the authentication certificate registrar information (eg, which issued a predetermined certificate to a customer connected through the customer terminal). It is preferable that the authentication certificate is registered through the party, the information of the party, the other information if the official certificate is registered through the other line, etc.), or the certificate information issued to the customer by the certification body, At this time, the customer authentication unit 1230 requests the authentication certificate-based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, and receives the result of the customer authentication from the authentication server, the customer It is desirable to authenticate.

According to the embodiment of the present invention, the customer authentication unit 1230 provides the communication session information and the certificate information connected to the customer terminal to the authentication server of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, it is preferable to provide the result to the customer authentication unit 1230.

In addition, the customer authentication information stored in the storage medium includes a copy of the authentication certificate of the customer accessing the Internet banking server 1200 through the customer terminal, or the certification authority that issued the predetermined authentication certificate to the customer. It is preferable to include the directory connection information of the, wherein the customer authentication unit 1230 is a request for certificate-based customer information to the customer terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer And authenticating the customer by receiving the certificate-based customer information from the customer terminal and authenticating the certificate-based customer information through a copy of the certificate or a directory of a certification authority.

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1230, or a predetermined random number generated by the customer terminal, in this case the customer terminal The customer authentication unit encrypts the random number through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method through the certificate. 1230) (for example, when the random number is generated by the customer terminal, the mobile terminal further includes a random number in a plain text form), and is extracted from the copy of the authorized certificate of the customer or from the directory by the customer authentication unit 1230. Decrypt the encrypted random numbers based on official certificate information of each other and compare them or compare the random numbers in the plain text form (eg, By intercomparison by encrypting the random number group, or the random number generated in the customer terminal generated by the client authentication unit 1230), it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the customer terminal (for example, information stored in the storage device of the customer terminal in the internet banking server 1200, or the customer terminal). Information (or system information) already stored in the device, or storage information (e.g., an IC card (or IC chip) serial number, or the IC card) read out from an IC card (or IC chip) linked to the customer terminal. (Or IC chip) information stored in an IC card (or IC chip) memory by the issuing authority), in which case the client terminal encrypts the stored information through a certificate of symmetric key (or secret key), Or encrypting through at least one encryption method among a public key encryption method, an electronic envelope encryption method, or a key exchange encryption method, and providing the same to the customer authentication unit 1230, It is preferable that the customer authentication unit 1230 authenticates the customer by decrypting and storing the encrypted stored information based on the copy of the customer's official certificate or the customer's official certificate information extracted from the directory.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through the input means provided in the customer terminal (for example, information input through the key input device provided in the customer terminal, Or information input through an input device (for example, a short-range communication device, etc.) other than a key input device provided in the customer terminal, and in this case, the customer terminal may use the symmetric key ( Or a secret key) an encryption method, a public key encryption method, an electronic envelope encryption method, or an encryption method using at least one encryption method of a key exchange encryption method to provide to the customer authentication unit 1230, the customer authentication unit ( In 1230, encrypted input information based on a copy of the customer's certificate or the certificate information of the customer extracted from the directory. It is preferable to authenticate the customer by decrypting and comparing with each other.

According to the method of the present invention, the OTP code is a symmetric key (or secret key) encryption method, or public key encryption method, or electronic envelope encryption method, or key exchange in the customer terminal to provide a more advanced security function It is preferable that the data is encrypted and received through at least one of the encryption methods. For this purpose, the customer authentication unit 1230 preferably further includes a function configuration for decrypting the OTP code.

When at least one financial transaction is requested from the customer terminal, the banking processor 1235 provides a financial transaction request information input interface screen corresponding to the requested financial transaction to the customer terminal in cooperation with the banking service control unit. When predetermined financial transaction request information is input (or selected) from the customer terminal through the financial transaction request information input interface screen, the predetermined financial transaction corresponding to the financial transaction request information is referred to with reference to the banking element information. It is preferable to generate (or extract) information and provide the information to the ledger processor 1240.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processor 1235 may be linked with the banking service control unit to provide information necessary for the account transfer to the client terminal (eg, withdrawal account number and withdrawal account password). And a predetermined interface screen for inputting (or selecting) deposit bank information, deposit account number, transfer amount information, security code number, etc., and through the interface screen, information required for the account transfer (for example, withdrawal account) Number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input (or selected) and received, withdraw the transfer amount from the withdrawal account with reference to the banking element information. Generates predetermined financial transaction information for depositing into the deposit account and provides it to the ledger processing unit 1240.

According to an embodiment of the present invention, the banking processor 1235 receives the predetermined financial transaction request information from the customer terminal, and interlocks with the customer authentication unit 1230 to perform the at least one customer authentication method. It is desirable to authenticate the customer who requested the transaction, thereby making sure of the confidentiality and authentication of the customer who requested the financial transaction through the customer terminal (or the customer who sent (or selected) the financial transaction request information). ), Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 1235 is configured to secure confidentiality, authentication, integrity, and non-repudiation of at least one financial transaction request information transmitted from the client terminal. The electronic signature of the customer is attached to the request information, and the financial transaction request information to which the electronic signature is attached is preferably encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 1235 Receives the financial transaction request information from the customer terminal, and decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature, whereby the confidentiality of the financial transaction request information, Authentication, integrity and nonrepudiation are ensured.

Alternatively, the banking processor 1235 may request the financial transaction request information from the client terminal to secure confidentiality, authentication, integrity, and non-repudiation of the financial transaction request information transmitted from the client terminal for at least one financial transaction. It is desirable to encrypt and transmit the electronic envelope method, and in this case, the banking processor 1235 receives the financial transaction request information from the customer terminal and decrypts the electronic envelope method, thereby requesting the financial transaction. Confidentiality, authentication, integrity and nonrepudiation of the information are secured.

The ledger processing unit 1240 is characterized in that it is interlocked with the financial system through a predetermined communication means, when the predetermined financial transaction information is generated (or extracted) by the banking processing unit 1235, the financial transaction information Identify at least one or more ledger information to be extracted from the ledger on the financial system in response to, and extract the identified ledger information from the ledger on the financial system through the communication means, or correspond to the financial transaction information. And generating (or extracting) ledger record information recorded in the ledger on the financial system, and recording the generated (or extracted) ledger record information in the ledger on the financial system through the communication means.

More specifically, FIG. 13 illustrates a method of processing internet banking using the pre-registered Internet banking enabled PC after pre-registering the Internet banking enabled PC information through the information registration system shown in FIG. 1 or FIG. 6. Those skilled in the art will be able to infer various implementation methods for processing Internet banking through a customer terminal pre-registered to enable the Internet banking by referring to or modifying this drawing 13, The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figure 13, in addition to the Internet banking system, a telebanking system or a wireless banking system or In another banking system, such as a TV banking system, it is possible to infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering bankable PC pre-registration request information, but the present invention provides the telebanking system or the wireless banking system or It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future proposed face-to-face channel banking systems, and the technical configuration of the present invention is not limited to the case of Internet banking shown in FIG. .

Hereinafter, in FIG. 13, the customer terminal is referred to as "terminal" for convenience, and the Internet banking server 1200 corresponding to the information registration server is referred to as "server" for convenience.

Referring to FIG. 13, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300), the server connects a communication channel between the terminal and the server through the browser. In this case, the communication channel refers to a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and in the browser program provided in 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 a web page.

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

Thereafter, the server is provided 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, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1310).

If a predetermined security module is mounted or updated in the terminal (1315), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1320.

If the terminal does not need to install or update the latest version of the Internet banking security module (1325), or if the terminal does not need to load or update the Internet banking security module (1315), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1330), and referred to as a security channel for internet banking. Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If the encryption is provided, the terminal may verify the electronic signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and information (or data) to be provided to the server to register the bankable PC pre-registration request information in the terminal When a predetermined digital signature is attached to or transmitted by encrypting at least one or more encryption methods (or encryption algorithms), the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm). (Or a decoding algorithm) means a communication channel for decoding the information (or data).

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

When the secure channel for internet banking is connected, the server checks the MAC address of the terminal through the browser program, and the confirmed MAC address is determined by the Internet banking through the information registration system of FIG. It is checked whether the MAC address corresponds to the terminal set in advance (1335).

If, through the MAC address confirmation, the terminal is confirmed as a terminal that is set up in advance to enable the Internet banking through the information registration system of the Figure 1 or 6 (1340), the server as in the existing Internet banking procedure, Request to perform an Internet banking customer authentication procedure (1345).

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or certificate server) (1350). In operation 1355, the server (or the authentication server) authenticates the customer connected through the terminal as an Internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1360), the server blocks the internet banking security channel for the terminal (1365), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1360), 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 (1370), where the Internet banking-based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined banking-capable PC pre-registration request information for pre-registration of internet banking-capable PC information from the terminal to the server.

In more detail, FIG. 14 shows the Internet banking process using any PC other than the pre-registered Internet banking enabled PC after pre-registering the Internet banking enabled PC information through the information registration system shown in FIG. 1 or FIG. As a method, one of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 14 to process Internet banking through any terminal other than a pre-registered customer terminal to enable the Internet banking. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 14, the customer terminal is referred to as "terminal" for convenience, and the Internet banking server 1200 corresponding to the information registration server is referred to as "server" for convenience.

Referring to FIG. 14, when the customer wants to use the Internet banking to any terminal other than the terminal set in advance through the information registration system shown in FIG. 1 or FIG. 6, the server temporarily transfers the Internet banking enabled terminal from the terminal. Confirm the switch request (1400).

The temporary switching means that the Internet banking customer temporarily switches the arbitrary terminal to an internet banking capable terminal when the internet banking is limited by using any terminal other than the terminal inevitably preset. The switching time, the number of times, and the like may be based on a preset condition, and the like, and various methods may be searched at a level of ordinary skill in the art without being limited thereto.

If the customer wants to temporarily switch the arbitrary terminal to the internet banking terminal (1405), the server generates (or extracts) a web page including an authentication information input interface for temporarily switching to the internet banking terminal. (1410).

In operation 1415, the server transmits the web page including the generated (or extracted) authentication information input interface to the terminal.

Thereafter, when the terminal inputs (or selects) authentication information through the transmitted interface (1420) and transmits the authentication information input (or selects) through the interface (1425), the server stores the storage medium. By comparing the authentication information stored in the authentication information and the authentication information transmitted from the terminal to determine whether the match (1430).

If the authentication information stored in the storage medium and the authentication information transmitted from the terminal match (1435), the server requests the terminal to perform internet banking customer authentication and temporarily permits the internet banking service through the terminal. (1440).

15 is a diagram illustrating a process of processing Internet banking after pre-registration of Internet banking enabled PC information according to another embodiment of the present invention.

In more detail, FIG. 15 shows an Internet banking process using any PC other than the pre-registered Internet banking enabled PC after pre-registering the Internet banking enabled PC information through the information registration system shown in FIG. 1 or FIG. As a method, one of ordinary skill in the art to which the present invention pertains may refer to or modify this figure 15 to process Internet banking through any terminal other than a customer terminal that is pre-registered to enable the Internet banking. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 15, the customer terminal is referred to as "terminal" for convenience, and the Internet banking server 1200 corresponding to the information registration server is referred to as "server" for convenience.

Referring to FIG. 15, when the customer wants to use the Internet banking to any terminal other than the terminal set in advance through the information registration system shown in FIG. Confirm the switch request (1500).

If the customer wants to temporarily switch the arbitrary terminal to the Internet banking terminal (1505), the server generates an authentication number to be transmitted to the wireless terminal owned by the connected customer (1510), the generated authentication The number is transmitted to the customer wireless terminal (1515).

Subsequently, when the terminal inputs an authentication number transmitted to the wireless terminal and transmits the authentication number to the server (1520), the server compares the authentication number transmitted to the wireless terminal with the authentication number input from the terminal to match. Check (1530).

If the authentication number transmitted to the wireless terminal and the authentication number inputted from the terminal match (1535), the server requests the terminal to perform internet banking customer authentication, and then temporarily executes an internet banking service through the terminal. To allow (1540).

According to the present invention, by registering a terminal capable of internet banking in advance, even if the Internet banking personal information of the customer is exposed through hacking, it is possible to prevent an Internet banking financial accident by another person.

Claims

Linking the customer information with one or more specific terminal information designated by the customer for internet banking and storing the information in a storage medium;

When the terminal accesses the internet banking server, interworking with the storage medium, determining whether the connected terminal is a terminal pre-registered for internet banking, and determining whether the Internet banking is possible;

If the terminal is a terminal registered in advance for Internet banking, providing a web page for the Internet banking to the terminal; Internet banking service providing method using a specific terminal comprising a.

The method of claim 1, wherein when the Internet banking request is made to an arbitrary terminal other than a terminal registered in advance for the Internet banking,

Providing a web page including an interface for inputting (or selecting) authentication information for temporarily granting an internet banking to the internet banking request terminal;

Determining whether the authentication information input (or selected) and transmitted through the interface is identical to the authentication information previously registered by the customer;

In the same case, providing a web page for Internet banking to the Internet banking request terminal; Internet banking service providing method using a specific terminal comprising a.

If the terminal requesting the Internet banking is a terminal registered in advance for internet banking by referring to the terminal information available for internet banking previously stored, and permits the Internet banking only for the terminal registered in advance, and if it is not a pre-registered terminal, An internet banking server that provides an internet banking service by checking authentication information for an internet banking temporary grant; And

A terminal for accessing an internet banking server and requesting an internet banking service; The Internet banking service providing system using a specific terminal comprising a.

According to claim 3, The pre-stored Internet banking available terminal information,

A system for providing an Internet banking service using a specific terminal as computer-specific information, including at least one of a MAC (MAC) address, an Ethernet hardware address, an adapter address, a CPU serial number, and the like.