KR20110004684A

KR20110004684A - System and method for providing customer's mobile phone automatic-replace using financial goods and recording medium

Info

Publication number: KR20110004684A
Application number: KR1020090062241A
Authority: KR
Inventors: 김기정
Original assignee: 주식회사 신한은행
Priority date: 2009-07-08
Filing date: 2009-07-08
Publication date: 2011-01-14

Abstract

PURPOSE: A system and a method for providing customer mobile phone automatic-replacement using a financial product and a recording medium therefor are provided to provide a customer marketing service through cooperation with a mobile communication company, thereby preventing service secession of a customer. CONSTITUTION: A financial product server(100) comprises next. Through an image receiver(120), an image contents which a terminal device(195) transmits is received. If validity of a financial product subscription application information is authenticated through an validity confirmer(125), an electronic document generator(130) generates financial product electronic document including the image contents.

Description

System and Method for Providing Customer's Mobile Phone Automatic-Replace using Financial Goods and Recording Medium}

1 is a diagram illustrating a face-to-face financial product subscription system for the automatic replacement of the mobile phone for long-term financial product subscription maintenance customers according to an embodiment of the present invention.

2 is a diagram illustrating an implementation method in which a storage medium storing financial product subscription result information corresponding to a long-term financial product subscribed in a face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

3 is a database in which a storage medium storing financial product subscription result information corresponding to long-term financial products subscribed in a face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

4 is a diagram illustrating an implementation method including a DBMS provided in a banking server, the storage medium storing financial product subscription result information corresponding to a long-term financial product subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. to be.

5A and 5B are diagrams illustrating a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are views illustrating a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B illustrate a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face financial product subscription system for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer according to another exemplary embodiment of the present invention.

9 is a diagram illustrating an implementation method in which a storage medium storing financial product subscription result information corresponding to a long-term financial product subscribed in a non-face-to-face manner is provided in a DBMS on a financial system according to an exemplary embodiment of the present invention.

10 is a database in which a storage medium storing financial product subscription result information corresponding to a long-term financial product subscribed in a non-face-to-face manner according to another embodiment of the present invention is associated with the ledger D / B provided in the DBMS on the financial system. A diagram showing an implementation method including a.

FIG. 11 illustrates an embodiment of a method in which a storage medium for storing financial product subscription result information corresponding to a long-term financial product subscribed in a non-face-to-face manner includes a DBMS provided in a banking server according to another exemplary embodiment of the present invention. Drawing.

12A and 12B are views illustrating a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a non-face-to-face manner according to one embodiment of the present invention.

13A, 13B, and 13C illustrate a long-term financial product subscription process for automatically replacing a mobile phone for a long-term financial product subscription maintaining customer according to one embodiment of the present invention.

14 is a view showing a face-to-face financial product operating system for the automatic replacement of the customer mobile phone associated with the operation of the financial product in accordance with an embodiment of the present invention.

15 is a diagram illustrating a process of processing mobile phone replacement request information in a face-to-face manner according to an embodiment of the present invention.

FIG. 16 illustrates a non-face-to-face financial product operating system for automatic replacement of a customer mobile phone associated with financial product operation according to another embodiment of the present invention.

17 is a diagram illustrating a process of processing mobile phone replacement request information in a non-face-to-face manner for automatic replacement of a customer mobile phone associated with financial product operation according to an embodiment of the present invention.

18A and 18B illustrate a process of processing mobile phone replacement request information in a non-face-to-face manner for automatically replacing a customer mobile phone associated with financial product operation according to another exemplary embodiment of the present invention.

100: financial product server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

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

140: information generating unit 145: financial account processing unit

150: information storage unit 155: electronic document server

160: electronic document receiving unit 165: information generating unit

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

180: Financial system 185: Ledger D / B

190: storage medium 195: terminal device

The present invention induces customers to subscribe to financial products through financial institutions and provides customer marketing services through alliances with mobile carriers, thereby preventing long-term financial products from leaving customers, and moving numbers of customers when purchasing the latest mobile phones from telecommunications companies. It is possible to prevent departures and create synergies between mobile carriers and financial institutions.

The development of the financial industry has produced a variety of financial products, and customers compare and compare them, and in many cases, the long-term financial products are canceled by changing the financial products or canceling financial products without merits. The situation is losing.

Under these circumstances, the merits of long-term financial products will disappear from the financial instruments of long-term financial products, and financial institutions will not be able to differentiate their customers from long-term financial products. Situation occurs.

In addition, with the development of information and communication technology, mobile phones are being developed day by day, new models are pouring out like a pile, and those who use mobile phones have a desire to use the latest models of mobile phones.

However, since customers who want to use these latest models of mobile phones are always too expensive to buy new models, the mobile phone is replaced by a number porting method, which causes customers to lose customers. Problems will arise.

The present invention induces customers to subscribe to financial products through financial institutions and provides customer marketing services through alliances with mobile carriers, thereby preventing long-term financial products from leaving customers, and moving numbers of customers when purchasing the latest mobile phones from telecommunications companies. The present invention provides a method and system for preventing departures and creating synergies between mobile carriers and financial institutions and a recording medium therefor.

In the method of providing an automatic replacement service for a customer's mobile phone using a financial product according to the present invention, when a customer requests a replacement with a latest mobile phone, when a mobile phone replacement request information is received from a dealer terminal, the long-term financial product is based on the received mobile phone replacement request information. -Financial products for customer mobile phone replacement through the operation of financial products-Checking whether the subscription, and if confirmed as a customer of long-term financial products, the customer checks the subscription information for long-term financial products, and the above Calculating support information that can be provided to the customer based on the confirmed subscription information; checking whether the customer mobile phone can be replaced based on the calculated support information; Characterized in that it comprises a step.

In the method for automatically providing a customer mobile phone replacement service using the financial product according to the present invention, the method checks whether the customer mobile phone replacement is possible on the basis of the calculated grant information, and if it is determined that the customer can replace the mobile phone replacement request of the customer; The step is characterized in that it comprises a step of confirming the subsidies available to the carrier.

In the method of providing a mobile phone automatic replacement service using a financial product according to the present invention, when a customer requests termination of a long-term financial product, the termination point of the mobile phone provided to the customer among the amounts to be paid according to the termination of the long-term financial product is requested. It is characterized in that it comprises the step of processing to provide the remaining amount of the mobile phone subtractable cost can be provided based on the revenue up to.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing the method for providing a mobile phone automatic replacement service using the above-described financial products.

On the other hand, the customer mobile phone automatic replacement service providing system using the financial product according to the present invention, when the customer requests to replace the latest mobile phone, when the mobile phone replacement request information is received from the dealer terminal, based on the received mobile phone replacement request information Financial products-Financial products for customer mobile phone replacement through financial products operation-Means to check whether or not to subscribe, and if the customer is confirmed to be a long-term financial products, check the subscription information for the long-term financial products that customers subscribed to Means for calculating grant information available to the customer based on the confirmed subscription information, and checking whether the customer mobile phone can be replaced based on the calculated grant information, and if the replacement is confirmed, the mobile phone replacement request of the customer is requested. It characterized in that it comprises a means for processing.

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

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

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

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

1 is a diagram illustrating a face-to-face financial product subscription system for the automatic replacement of mobile phones for long-term financial product subscription maintenance customers according to an embodiment of the present invention.

In more detail, in Figure 1, a predetermined customer prepares a financial product subscription application including at least one of predetermined customer information, financial product subscription information, and customer mobile phone information, and is provided to a predetermined financial institution (or fund subscription institution). When submitted to the counter, the financial institution (or fund subscription agency) subscribes to the long-term financial products for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer based on the financial product subscription application information corresponding to the financial product subscription application. The present invention relates to a system configuration for opening a predetermined financial account for managing the long-term financial products, and those skilled in the art to which the present invention pertains refer to and / or modify the present invention. Maintenance of product subscription Various implementation methods for the composition of financial product subscription system for automatic replacement of mobile phones for customers Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 and construct a financial product subscription system, omitting the implementation method of storing the financial product electronic document in the electronic document repository. In addition to the implementation method shown in FIG. 1, the electronic document storage is provided in the DBMS located in the financial product subscription system in addition to the implementation method shown in FIG. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, as shown in Figure 1, in the method for generating the financial product electronic document, the financial product electronic document corresponding to the financial product subscription application is shown as being generated on the server side on the financial product subscription system As described above, the present invention is not limited thereto, and the financial product electronic document may be generated at a terminal that acquires image content corresponding to the financial product subscription application through a predetermined image acquisition device (eg, the The electronic document generation function provided on the server side is provided on the terminal side to generate the financial instrument electronic document), whereby the present invention is not limited.

Hereinafter, the customer subscribes to the long-term financial products in response to the financial product subscription application and the financial product subscription application information prepared by the customer through a predetermined financial product subscription interface shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined financial product electronic document and storing it in a predetermined electronic document storage is referred to as the "financial product server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a financial product subscription system for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer includes a teller terminal provided in at least one financial institution branch (or branch). And a terminal device 195, wherein the terminal device 195 is connected to a financial product server 100 provided on the financial product subscription system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch) for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer, and through the window provided at the financial institution branch (branch branch) ( Or through a clerk to fill in at least one information item for a predetermined financial product subscription application (eg, for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer). A document with a form) is prepared, and it is preferable for the customer to seal the customer's seal for the legal basis for the financial instrument subscription application.

Then, when the customer submits the completed financial product subscription application to the window staff, the window staff scans the financial product subscription application through a predetermined image acquisition device to obtain a predetermined image content, and the predetermined window terminal Input (or select) financial product subscription application information including at least one of image content obtained in response to the financial product subscription application, and customer information, financial product subscription information, and mobile phone information written in the financial product subscription application; In response, the counter terminal preferably transmits the image content and the financial product subscription application information to the financial product server 100 provided on the financial product subscription system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, and the financial product server 100 connected to the window terminal is located on the predetermined financial system 180. It is preferable to include a server (for example, a ledger server, etc.) provided in the, the financial network connecting the teller terminal and the financial product server 100 is a communication channel between the teller terminal and the financial product server 100 It is preferable that the connection network comprises a connection network.

In the financial product subscription system as described above, an image acquisition device for acquiring image content corresponding to the financial product subscription application prepared by the customer, the teller terminal used by the employee and the teller terminal and the financial product server 100. The financial network connecting to perform a function of the financial product subscription interface for the customer to register the financial product subscription application information for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

The storage medium 190 provided on the financial product subscription system according to the present invention includes the customer information, financial product subscription information, customer mobile phone information and the like included in the financial product subscription application information provided from the terminal device 195. And storing the financial product subscription result information including at least one of the financial product operation information and the financial account information.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one of member ID information, CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system 180 associated with the financial product subscription system in response to the customer. It is preferable to comprise as mentioned above.

The financial product subscription information is a financial product, such as financial product name for the financial product for which the customer requests to subscribe, if the customer requests to subscribe to a financial product (for example, a regular payment, a regular deposit, a fund, etc.) for a certain period of time. It is preferable that the product identification information is included.

In addition, the financial product subscription information is the financial product identification information, and in the case of a financial product (for example, a periodic payment or a fund fund) in the form of payment for a predetermined unit period according to the type of the financial product, the payment date per unit period (for example, It is preferable to include one or more of the monthly payment date for the periodic payment, and at least one payment amount information to be paid on the payment date.

The customer mobile phone information is for the customer to change the mobile phone is already used by the customer in accordance with the request of the customer when the subscription to the financial product for a certain period through the long-term financial product subscription, the customer, the customer It is preferable that the mobile phone number information, mobile phone model information, and subscribed carrier information of the mobile phone held are included.

The financial product operation information is a general term for information for managing and operating the long-term financial instrument through which a customer wants to subscribe through the financial instrument subscription application information through a predetermined financial account. It is preferable to carry out various modifications accordingly.

According to an embodiment of the present invention, if the long-term financial instrument is at least one or more fund-related products, the financial instrument operation information may include beneficiary certificate information corresponding to the fund-related product (eg, a predetermined security number and the fund. It is desirable to include the nature of beneficiary certificates, including expected returns and subscription periods.

According to another exemplary embodiment of the present invention, if the long-term financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (for example, a predetermined deposit). It is preferable to include an account number corresponding to the savings and the deposit (or savings property), such as the interest (or interest rate) corresponding to the savings and savings, the subscription period, and the like.

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the long-term financial products, the financial instrument basic information including the various additional attributes of the financial product and the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

Those skilled in the art to which the present invention pertains can easily infer the configuration of the financial instrument operation information corresponding to the financial instrument features and attributes, so a detailed description thereof will be omitted for convenience.

The financial account information is account information for managing and operating a financial product subscribed to by the customer based on the financial product subscription application information through the financial product operation information, and basically includes a predetermined account number (or securities number). It is preferable to make it.

If the long-term financial instrument is at least one fund-related product according to an embodiment of the present invention, the financial account information is a financial account including a beneficiary certificate corresponding to the financial instrument operation information, wherein the financial account is the beneficiary certificate The deposit is preferably made, and the account attribute includes the beneficiary certificate attribute.

According to another exemplary embodiment of the present invention, if the long-term financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. Preferably, the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to one embodiment of the invention, the storage medium 190 is preferably provided in the DBMS on the financial system 180 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 190 may be a ledger D / B 185 provided in the DBMS on the financial system 180, and / or a predetermined database associated with the ledger D / B 185. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 190 is an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product subscription system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

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

According to an exemplary embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial product server 100 connects to the teller terminal through a predetermined financial network 180. It may be a ledger server provided on the), and / or a server (or device) provided in the external system on the financial system 180, and / or a program provided in the external system on the financial system 180, The present invention is not limited thereby.

According to an embodiment of the present invention, the financial product server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the terminal device 195 is a window terminal that is connected to a predetermined financial network, the interface unit 105 determines the window terminal and the predetermined terminal based on the 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) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the terminal device 195 connects a predetermined communication channel with the financial product server 100 through the interface unit 105, the financial product server 100 may perform the long-term financial service. Acquisition of image contents corresponding to the financial product subscription application prepared by the customer through a predetermined image acquisition device provided in the terminal device 195 to automatically replace the mobile phone for the customer to maintain the product subscription, and respond to the financial product subscription application Generate (or extract) at least one user interface for inputting (or selecting) financial product subscription application information to be transmitted to the financial product server 100, and generating (or extracting) in connection with the interface unit 105. The interface providing unit 110 (or interface providing means) for providing the extracted user interface to the terminal device 195, and in the terminal device 195 When the financial product subscription application information corresponding to the financial product subscription application is input (or selected) through the user interface and transmitted, the financial product subscription transmitted from the terminal device 195 in connection with the interface unit 105 is transmitted. An image corresponding to the financial product subscription application created by the customer through an information receiving unit 115 (or information receiving means) for receiving the application information and a predetermined image obtaining apparatus based on the user interface in the terminal device 195. When the content is obtained and transmitted, the image receiving unit 120 (or image receiving means) for receiving the image content corresponding to the financial product subscription application in connection with the interface unit 105 is characterized in that it is made.

The interface provider 110 connects a predetermined communication channel with the financial product server 100 through the interface unit 105, and then connects the long term to the financial product server 100. When requesting a user interface for automatic replacement of a mobile phone for a financial product subscription maintenance customer, an image content corresponding to the financial product subscription application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device 195, Generate (or select) financial product subscription application information corresponding to the financial product subscription application, and generate at least one user interface for transmitting to the financial product server 100 through the financial network; Extracted from a database (not shown) and linked with the interface unit 105 to generate the generated (or extracted) user interface. It characterized in that it provides to the terminal device 195 through the financial network.

According to another embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device, and subscribes to the financial product corresponding to the financial product subscription application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information and transmitting the information to the financial product server 100 through the financial network is provided, the predetermined image as described above is provided. Obtain an image content corresponding to the financial product subscription application prepared by the customer through an acquisition device, input (or select) the financial product subscription application information corresponding to the financial product subscription application, and transmit it to the financial product server 100. A user interface for generating (or extracting) a user interface to be provided to the terminal device 195. Mubang be omitted providing the face 110, and to which the present invention is not limited.

Thereafter, the terminal device 195 inputs (or selects) financial product subscription application information including at least one of the customer information, financial product subscription information, and customer mobile phone information through the user interface, and inputs (or selects) the financial device subscription information. The financial product subscription request information is transmitted to the financial product server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 from the terminal device 195. Characterized in that to receive the financial product subscription application information transmitted.

In addition, the terminal device 195 obtains the image content corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiver 120 receives the image content corresponding to the financial product subscription application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image content corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device, and is provided in the terminal device 195 ( Or, if the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 is an image corresponding to the financial product subscription application created by the customer of the at least one image content previously stored in the storage device through the user interface Select a content and transmit it to the financial product server 100 through the financial network. In response, the image receiving unit 120 connects the image content corresponding to the financial product subscription application form in connection with the interface unit 105. It is desirable to receive.

According to another exemplary embodiment of the present invention, the terminal device 195 receives image content corresponding to the financial product subscription application prepared by the customer and the financial product subscription application information corresponding to the financial product subscription application through the user interface. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the financial product subscription application and the financial product subscription application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial product subscription request information transmitted from the terminal device 195 is received through the information receiver 115, the financial product server 100 receives the received financial product subscription request information. Characterized in that it is provided with a validity check unit 125 (or validity confirming means) for confirming that the validity for the automatic replacement of the mobile phone target maintenance customer subscription.

According to the implementation method of the present invention, the validity of the financial product subscription application information is matched with the financial product subscription application information on the ledger D / B 185 on the financial system 180 associated with the financial product subscription system It is preferable to include checking whether at least one ledger information is registered.

In addition, the validation of the financial product subscription request information is to confirm whether at least one or more information matching the financial product subscription application information is registered in the customer management D / B on the communication system associated with the financial product subscription system. It is preferable to comprise.

For example, the validity check of the financial product subscription request information includes a financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial product subscription request information is linked to the financial product subscription system ( It is preferably made to include matching with the customer ledger stored in the ledger D / B (185) on 180).

In addition, the validity confirmation of the financial product subscription application information, the information contained in the received financial product subscription application information, financial product subscription information on the financial system 180 linked to the financial product subscription system D / It is preferable to include checking whether it can process in B (185).

In addition, the validity confirmation of the financial product subscription application information, the information contained in the received financial product subscription application information, the customer cell phone information stored in the customer management D / B on the communication system associated with the financial product subscription system It is desirable to include verifying that it matches the subscriber information.

Referring to FIG. 1, the financial product server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and the financial product through the validity checking unit 125. When the validity of the subscription application information is authenticated, the electronic document generating unit 130 (or electronic document generating means) for generating a predetermined financial product electronic document including the received image content, and the generated financial product electronic document It characterized in that it comprises an electronic document transmission unit 135 (or electronic document transmission means) for transmitting to the electronic document storage associated with the financial product subscription system.

The electronic document generating unit 130 generates a financial product electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 subscribes to the long-term financial product as an image file including the image content received from the terminal device 195 through the image receiving unit 120. It is preferable to process the financial product electronic documents for the automatic replacement of mobile phones for maintenance customers.

Alternatively, the electronic document generation unit 130 is included in the financial product subscription application information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. An image file corresponding to an image content including at least one of customer information, financial product subscription information, and customer mobile phone information in a watermarking manner, is a financial product for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer. It is desirable to create a document.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable to create a financial product electronic document for automatic replacement of mobile phones for maintenance customers.

Alternatively, the electronic document generation unit 130 is included in the financial product subscription application information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one or more of customer information, financial product subscription information, and customer mobile phone information by watermarking, and include a predetermined document file (eg, PDF (Portable) including the generated image content. A document format (EDI) file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) It is desirable to create a financial product electronic document for automatic replacement of the target mobile phone.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the financial product subscription application information, or an MHT By generating a web document file, etc.), it is preferable to generate a financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customers.

Alternatively, the electronic document generation unit 130 is included in the financial product subscription application information received through the information receiving unit 115 to the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document including image information including at least one or more of customer information, financial product subscription information, and customer mobile phone information by watermarking, and including the generated image content and the financial product subscription application information. By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), It is preferable to generate a financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customers.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 130 and the technical features to generate a financial product electronic document of the image file format and / or a predetermined document file format, and the financial product Since the technical features of the image file and / or the file format of the document file corresponding to the electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the financial product electronic document generated by the electronic document generation unit 130 to a predetermined electronic document storage space associated with the financial product subscription system.

As shown in FIG. 1, the electronic document repository is connected to the financial product server 100 on the financial product subscription system with a predetermined electronic document server 155 and an electronic document D / B 175 linked through predetermined communication means. When provided externally, the electronic document transmission unit 135 transmits the financial product electronic document generated by the electronic document generation unit 130 to the electronic document server 155 through the communication means. Characterized in that the transmission.

Here, when the electronic document server 155 and the electronic document D / B 175 is provided outside the financial product subscription system, the electronic document server 155 and the electronic document D / B 175 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the financial product subscription system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the financial product electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the financial product entry system, thereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 135 may use the electronic document related information (eg, a financial product corresponding to the image content) to generate predetermined electronic document management information in the electronic document server 155. The electronic document repository further comprising customer information for which a subscription application was made, and / or financial institution information for transmitting the financial instrument electronic document, and / or electronic document file format information, and / or the financial product subscription application information, and the like. It is possible to transmit to, by which the present invention is not limited.

Referring to FIG. 1, the financial product server 100 automatically replaces a mobile phone for a long-term financial product subscription maintaining customer through the validity checker 125 in which the financial product subscription application information received through the information receiving unit 115 is used. When the validity for the authentication is authenticated, the predetermined financial product operation information corresponding to the long-term financial product is generated based on the customer information, the financial product subscription information, and the customer mobile phone information included in the validity-certified financial product subscription application information. The customer name including the financial product operation information based on the information generating unit 140 (or information generating means) and the customer information, the financial product subscription information, and the mobile phone information included in the financial product subscription application information. It is characterized in that it comprises a financial account processing unit 145 (or financial account processing means) for opening and processing a financial account.

When the validity of the financial product subscription request information is confirmed by the validity confirming unit 125, the information generation unit 140 includes customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. The predetermined financial product management information corresponding to the long-term financial product is generated.

If the long-term financial product is at least one fund-related product according to an embodiment of the present invention, the information generation unit 140 is the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information It is preferable to generate beneficiary certificate information corresponding to the long-term financial instrument (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the long-term financial product is at least one deposit / saving product, the information generator 140 may include customer information, financial product subscription information, and customer mobile phone included in the financial product subscription application information. Deposit information (or savings information) corresponding to the long-term financial instrument based on the information (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage), and a subscription period. It is desirable to create a deposit (or deposit) attribute, etc.).

The financial account processing unit 145 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 180 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the financial product subscription request information. It is characterized in that the opening and processing of a predetermined financial account for the automatic replacement of mobile phones for customers who maintain long-term financial product subscription.

When the financial product server 100 and the financial system 180 exist in the same system according to an exemplary embodiment of the present invention, the financial account processing unit 145 may be linked with the financial system 180 by the ledger D /. In B 185, it is preferable to generate a predetermined ledger including the financial instrument operation information.

According to another exemplary embodiment of the present invention, when the financial product server 100 and the financial system 180 exist on another system connected through a predetermined communication means, the financial account processing unit 145 may perform a predetermined communication. It is preferable to request to the general ledger D / B 185 on the other financial system 180 to generate a predetermined ledger including the financial product operation information through an external system on the financial system 180 by means. .

Referring to Figure 1, the financial product server 100 is a financial product subscription application information received through the information receiving unit 115 through the validity confirmation unit 125 through the long term financial product subscription maintenance customer mobile phone automatically When the validity for the replacement is authenticated, the customer information and the financial product subscription information, the customer mobile phone information and the financial product operation information generated by the information generation unit 140 included in the financial product subscription application information that is validated And an information storage unit 150 (or information storage means) for storing financial product subscription result information including at least one financial account information generated by the financial account processing unit 145 in a predetermined storage medium 190. It is characterized by comprising.

When the validity of the financial product subscription request information is confirmed by the validity confirming unit 125, the information storage unit 150 includes the customer information and the financial product subscription information included in the financial product subscription request information, and the customer mobile phone. The financial product subscription result information including at least one information may be stored in the storage medium 190.

In addition, when the financial product operation information generated by the information generation unit 140 is generated, the information storage unit 150 further includes the generated financial product operation information in the financial product subscription result information. The storage medium 190 is preferably stored.

In addition, when the financial account including the financial product operation information is opened in the ledger D / B 185 on the financial system 180, the information storage unit 150 opens the opened information in the financial product subscription result information. It is preferable to further store the financial account information in the storage medium 190.

According to an embodiment of the present invention, when the storage medium 190 is provided in the financial product server 100 or on a network associated with the financial product server 100, the information storage unit 150 is provided. The storage medium includes the financial product subscription result information including at least one of the customer information, the financial product subscription information, the customer mobile phone information, the financial product operation information and the financial account information included in the received financial product subscription application information ( Preferably at 190).

According to another embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 180, the information storage unit 150 is included in the received financial product subscription application information The financial product subscription information including at least one of the customer information, financial product subscription information, customer mobile phone information, and the financial product operation information and financial account information is provided to the information system through an external system on the financial system 180. It is desirable to store in a DBMS provided on the system 180.

Referring to FIG. 1, an electronic document server which receives a predetermined financial product electronic document from the financial product server 100 provided on the financial product subscription system and stores and manages the electronic document D / B 175 in a predetermined electronic document D / B. An electronic document receiver 160 (or an electronic document receiving means) for receiving a predetermined financial product electronic document from the financial product server 100 through a predetermined communication means, and the received financial product electronic document. Information generating unit 165 (or information generating means) for generating predetermined electronic document management information for storing and managing the electronic document in the electronic document D / B 175, and the electronic document management information and the financial product electronic document. And an electronic document storage unit 170 (or electronic document storage means) for storing the electronic document D / B 175 in a linked process.

The electronic document receiving unit 160 may receive a financial product electronic document in the form of an image file and / or a document file from the financial product server 100 through the communication means.

According to the exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 160 through the communication means includes the image content received by the financial product server 100 from the terminal device 195. It is preferable that the image file is included as it is.

Alternatively, the financial product electronic document received by the electronic document receiving unit 160 through the communication means is included in the financial product subscription application information on the image content received by the financial product server 100 from the terminal device 195. It is preferable to include an image file corresponding to the image content including at least one or more of the included customer information, financial product subscription information, customer mobile phone information in a watermarking (Watermarking) method.

According to another embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 160 through the communication means is the image content received by the financial product server 100 from the terminal device (195). A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the financial product electronic document received by the electronic document receiver 160 through the communication means is included in the financial product subscription application information in the image content received by the financial product server 100 from the terminal device 195. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI (e.g., a Portable Document Format) file including image content including at least one of information of a registered customer, financial product subscription, and mobile phone information in a watermarking manner). Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 160 through the communication means is the image content received by the financial product server 100 from the terminal device 195. And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including at least one document file including the financial product subscription request information, or Web document file including MHT).

Alternatively, the financial product electronic document received by the electronic document receiver 160 through the communication means is included in the financial product subscription application information in the image content received by the financial product server 100 from the terminal device 195. Image content including at least one or more of the registered customer information, financial product subscription information, and mobile phone information in a watermarking manner, and a predetermined document file including the financial product subscription application information (eg, a PDF (Portable Document) Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generation unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 160, and the financial information through the electronic document receiving unit 160 And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 165 refers to the financial product electronic document by referring to the financial product server 100 that has transmitted the financial product electronic document received through the electronic document receiving unit 160. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial product server 100 through the electronic document receiving unit 160, the information generating unit 165 receives the received information. Electronic document-related information (e.g., customer information for preparing a financial product subscription application corresponding to the image content, and / or financial institution information for transmitting the financial product electronic document, and / or electronic document file format information, and / or the It is preferable to generate the electronic document management information further including financial product subscription application information).

The electronic document storage unit 170 processes an electronic document management information generated through the financial product electronic document received through the electronic document receiving unit 160 and the electronic document management information generated by the information generating unit 165 in a predetermined electronic document D / It stores in the B (175).

According to an exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the financial product server 100 from the terminal device 195. It is preferable that the image file including the received image content is included as it is.

Alternatively, the financial product electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may correspond to the image content received by the financial product server 100 from the terminal device 195. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the financial product server 100 by the terminal device 195. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing image content received from the Web document files, etc.) to be included.

Alternatively, the financial product electronic document stored by the electronic document storage unit 170 in the electronic document D / B 175 may be included in the image content received by the financial product server 100 from the terminal device 195. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more of the customer information, the financial product subscription information, and the customer mobile phone information included in the product subscription application information by watermarking. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the financial product server 100 by the terminal device 195. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content received from the information and the financial product subscription application information. A word processor file, or a web document file including MHT).

Alternatively, the financial product electronic document stored by the electronic document storage unit 170 in the electronic document D / B 175 may be included in the image content received by the financial product server 100 from the terminal device 195. Image content including at least one or more of customer information, financial product subscription information, and customer mobile phone information included in the product subscription application information by watermarking and a predetermined document file including the financial product subscription application information ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be included. Do.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the financial product electronic document is stored in the financial product electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in association with the financial product electronic document is the financial product electronic document. Preferably, the financial product server 100 may further include information on a financial institution that has transmitted the financial product electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial product server 100, the electronic document storage unit 170 processes the electronic product electronic document in association with the financial product electronic document. The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, customer information for preparing a financial product subscription application corresponding to the image content, and / or the financial product electronic document). Financial institution information, and / or electronic document file format information, and / or the financial product subscription application information).

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2 illustrates an implementation method in which a storage medium 190 for storing financial product subscription result information corresponding to a long-term financial product subscribed in a face-to-face manner is provided in a DBMS on a financial system 180 according to an embodiment of the present invention. One drawing.

In more detail, in FIG. 2, the storage medium 190 shown in FIG. 1 is the ledger D / B 185 provided in the DBMS on the financial system 180 or the ledger D / B 185. In this case, the information structure for one embodiment of the financial product subscription result information is stored in the ledger information provided in the ledger D / B (185), the person having ordinary knowledge in the technical field to which the present invention belongs If it is possible to infer various information forming methods for storing the financial instrument subscription result information in the ledger D / B 185 by referring to and / or modifying the drawing 2, the present invention provides all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 185 provided in the DBMS on the financial system 180 is linked to a predetermined customer ledger, and the customer ledger An account ledger corresponding to a financial product subscribed through the financial product subscription system shown in FIG. 1 and at least one information associated with the account ledger are included, which is a general knowledge in the technical field to which the present invention pertains. If the person has, the ledger D / B 185 provided in the DBMS on the financial system 180 has at least one ledger (for example, receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is associated with the customer ledger in a relational manner, and as a ledger corresponding to the financial product, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( The number of days), periodical reception information including at least one term extension, an expiration date, and a target amount, and / or at least one of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger. Trust reception information, including, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction, date of commencement, It includes transaction history information including at least one bank account line, a summary, and a CIF.

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

Referring to FIG. 2, in which the storage medium 190 is the ledger D / B 185 or includes an implementation method provided in the ledger D / B 185 according to an embodiment of the present invention, Financial products including at least one of the customer information, financial product subscription information, customer mobile phone information and the financial product operation information and financial account information included in the financial product subscription application information provided through the financial product subscription system shown in Figure 1 The registration result information is stored in the form of additional information added to the account ledger.

According to another exemplary embodiment of the present invention, if the long-term financial product is at least one deposit / saving product, the financial product operation information may include deposit information (or deposit information) corresponding to the deposit / saving product (for example, a predetermined deposit). / Account number corresponding to the deposit and the deposit (or deposit) attribute, such as the interest (or interest rate) corresponding to the deposit / saving and the subscription period, etc.).

According to another embodiment of the present invention, the financial product subscription application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). In addition to the additional information form, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

Figure 3 is a ledger D / equipped with a storage medium 190 in the DBMS on the financial system 180 for storing the financial product subscription result information corresponding to the long-term financial products subscribed in a face-to-face according to another embodiment of the present invention A diagram illustrating an implementation method including a database associated with B 185.

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

In particular, FIG. 3 illustrates a case in which it is not easy to store the financial product subscription result information in the ledger information of the ledger D / B 185 on the DBMS provided on the financial system 180 (for example, a policy of a financial institution). If it is not easy to change the ledger D / B 185 of the phase DBMS, or if the system expansion is not easy due to the characteristics of the financial system 180), a predetermined database may be used instead of the ledger D / B 185. The implementation method of storing the financial product subscription result information and storing the financial product subscription result information in association with the database and the ledger D / B 185 is shown.

In addition, the database shown in FIG. 3 does not have to be provided on the DBMS provided on the financial system 180 as in the embodiment shown in FIG. And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, referring to FIG. 3, the storage medium 190 includes a database associated with the ledger D / B 185 provided in the DBMS on the financial system 180. And stores financial product subscription information including at least one of the customer information, the financial product subscription information, the customer mobile phone information, and the financial product operation information and the financial account information included in the financial product subscription application information. Preferably, the financial product subscription result information further includes a CIF number corresponding to the ledger information in the financial product subscription result information in order to be linked to the ledger D / B 185.

The customer mobile phone information is for the customer to change the mobile phone is already used by the customer in accordance with the request of the customer when the subscription to the financial product for a certain period through the long-term financial product subscription, the new mobile phone, the customer It is preferable that the mobile phone number information, mobile phone model information, and subscribed carrier information of the mobile phone held are included.

4 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 190 for storing financial product subscription result information corresponding to a long-term financial product subscribed in a face-to-face manner according to another exemplary embodiment of the present invention. Figure is shown.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 190 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on financial product subscription result information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

According to another embodiment of the present invention, referring to FIG. 4, in which the storage medium 190 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the financial product subscription request information. And the financial product subscription result information including at least one of the customer information and the financial product subscription information, the customer mobile phone information, and the financial product operation information and the financial account information.

5A and 5B illustrate a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device 195 on the financial product subscription system shown in FIG. 1 is provided at a branch (or branch) of a financial institution, and the financial product server 100 is predetermined. In the case where the ledger server (not shown) function on the financial system 180 connected to the counter terminal through the financial network of the long-term financial products for a predetermined mobile phone subscriber replacement maintenance mobile phone If you fill out and submit a financial product subscription application form including at least one of customer information, financial product subscription information, and customer mobile phone information in order to subscribe to the financial institution, the financial institution may apply to the long-term financial product A system configuration for subscription processing, specifically, when the customer completes the financial product subscription application form and submits it to the counter After obtaining a predetermined image content corresponding to the financial product subscription application through the predetermined image acquisition device at the window terminal and transmitting the predetermined image content to the financial product server 100, the financial product subscription corresponding to the financial product subscription application When the application information is input (or selected) and transmitted to the financial product server 100, the financial product server 100 includes at least one of the customer information, the financial product subscription information, and the customer mobile phone information. The implementation method of subscribing to the said long-term financial instrument based on application information is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 5a and 5b to register the financial product subscription application information with the financial product server 100 at the counter terminal. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 5A and 5B.

For example, although the implementation method shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the financial product subscription application form and storing it in an electronic document repository, the process may be performed according to the intention of the skilled person. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the financial product subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial product subscription application information corresponding to the financial product subscription application is described as being provided from the financial product server 100, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the financial product server 100, whereby the present invention is not limited.

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

Referring to FIGS. 5A and 5B, a predetermined customer fills out and submits a financial product subscription application including at least one of customer information, financial product subscription information, and customer mobile phone information in order to automatically replace a mobile phone for a long-term financial product subscription maintenance customer. 1, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel to automatically replace a mobile phone for a long-term financial product subscription maintenance customer corresponding to the financial product subscription application. When requesting a user interface (500), the server correspondingly acquires predetermined image contents corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device and transmits the predetermined image content to the server. Create (or extract) a user interface (505), and generate the Alternatively, the extracted user interface is transmitted to the terminal and output (510).

Thereafter, the terminal acquires image content corresponding to the financial product subscription application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the financial product subscription application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) financial product subscription application information including at least one of customer information, financial product subscription information, and customer mobile phone information corresponding to the financial product subscription application matching the image content to the server. A user interface for transmission is generated (or extracted) (530), and the generated (or extracted) user interface is transmitted through the financial network to the terminal for output (535).

Thereafter, the terminal inputs (or selects) financial product subscription application information including at least one of the customer information, the financial product subscription information, and the customer mobile phone information through the user interface (540).

If the financial product subscription request information including at least one of the customer information, the financial product subscription information, and the customer mobile phone information is input (or selected) through the user interface (545), the terminal is connected to the server through the financial network. In step 550, the financial product subscription application information is input (or selected).

Thereafter, the server receives and reads the financial product subscription request information including at least one of the customer information, the financial product subscription information, and the customer mobile phone information through the financial network to confirm the validity of the financial product subscription application information. (555).

If the validity of the financial product subscription request information is not authenticated (560), the server generates predetermined financial product error information and transmits it to the terminal (565), and the long-term finance corresponding to the financial product subscription application information. Do not perform the product subscription procedure.

On the other hand, if the validity of the financial product subscription information is authenticated (560), the server generates a predetermined financial product electronic document containing the image content (570).

According to an embodiment of the present invention, the server automatically replaces the mobile phone for the long-term financial product subscription maintenance customer as it is the image file including the image content received from the terminal device 195 through the image receiving unit 120 It is desirable to process financial documents electronically for

Alternatively, the server may include customer information and financial product subscription included in the financial product subscription application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. It is preferable to generate a financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product maintenance and maintenance of the image file corresponding to the image content including at least one or more information of the information, the customer mobile phone information by watermarking method Do.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is desirable to create a financial instrument electronic document for a.

Alternatively, the server may include customer information and financial product subscription included in the financial product subscription application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one of information and at least one of mobile phone information in a watermarking manner, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to create a financial instrument electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the financial product subscription request received through the information receiving unit 115. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to generate a financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Alternatively, the server may include customer information and financial product subscription included in the financial product subscription application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generates image content including at least one of information and customer mobile phone information in a watermarking manner, and includes a predetermined document file (eg, a PDF file including the generated image content and the financial product subscription application information). Maintain a subscription to the long-term financial instrument by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is desirable to create a financial product electronic document for automatic replacement of the mobile phone to the customer.

Those skilled in the art to which the present invention pertains may include technical features in which the server generates a financial product electronic document in an image file format and / or a predetermined document file format, and corresponds to the financial product electronic document. Since you will be familiar with the technical features of the file format for image files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 linked to a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B (175), whereby the present invention is not limited.

According to an embodiment of the present invention, storing the electronic product electronic document in the electronic document storage, the electronic document shown in Figure 1 by processing the generated electronic product electronic document and predetermined electronic document management information It is preferable to include storing in the D / B (175).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial instrument electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the financial instrument electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, customer information for preparing a financial product subscription application corresponding to the image content, and / or financial institution information for transmitting the financial product electronic document, and / or Electronic document file format information, and / or the financial instrument subscription information).

If the financial product electronic document is stored in the electronic document repository (580), the server corresponds to the long-term financial product based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information Predetermined financial product operation information is generated (585).

If the long-term financial product is at least one fund-related product according to an embodiment of the present invention, the server is based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information based on the long-term financial product It is preferable to generate beneficiary certificate information corresponding to the product (e.g., a beneficiary certificate attribute including a predetermined security number and an expected yield and subscription period corresponding to the fund).

According to another embodiment of the present invention, if the long-term financial product is at least one deposit / saving product, the server is based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information Deposit information (or savings information) corresponding to a long-term financial instrument (e.g., an account number corresponding to a given deposit / storage, a deposit (or savings) including an interest (or interest rate) corresponding to the deposit / storage and a subscription period) Attributes, etc.) is preferable.

Thereafter, the server is linked with the financial system 180 to include the financial product operation information based on the customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. Open and process a financial account (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 180 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial instrument operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, In response to the long-term financial product subscription maintenance customer characterized in that the opening of a predetermined financial account for the automatic replacement of the mobile phone.

According to an embodiment of the present invention, when the server and the financial system 180 exist in the same system, the server is linked to the financial system 180 in the ledger D / B 185 for the financial product operation information. It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the server and the financial system 180 exist on another system connected through a predetermined communication means, the server is located on the financial system 180 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 180 to generate a predetermined account ledger including the financial product operation information through the external system.

Thereafter, the server includes the customer information, the financial product subscription information, the customer mobile phone information, the generated financial product operation information, and the financial account information generated by the financial account processing unit 145 included in the financial product subscription application information. Store the financial product subscription result information including at least one of the information in a predetermined storage medium 190 (595).

According to an exemplary embodiment of the present invention, when the storage medium 190 is provided in the server or on a network associated with the server, the server includes the customer information included in the received financial product subscription request information. And financial product subscription information, customer mobile phone information, and financial product subscription result information including at least one financial product operation information and financial account information in the storage medium 190.

According to another embodiment of the present invention, when the storage medium 190 is provided in the DBMS provided on the financial system 180, the server includes the customer information and the finance included in the received financial product subscription application information. The financial system 180 information is provided through the external system on the financial system 180 by providing financial product subscription result information including product subscription information, customer mobile phone information, and at least one financial product operation information and financial account information. It is preferable to store in the DBMS provided in.

Thereafter, the server records predetermined financial product registration details (eg, a history of opening a financial account corresponding to the long-term financial product, and / or a history of storing the financial product electronic document in the electronic document repository, and / or The history of storing the financial product subscription request information on the storage medium 190) is generated (or extracted) and transmitted to the terminal (599).

6A and 6B illustrate a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals provided with a terminal device 195 on the financial product subscription system shown in FIG. 1 at a financial institution branch (or branch), and the financial product server 100 In the case of having a ledger server (not shown) function on the financial system 180 linked with a counter terminal through a predetermined financial network, a predetermined customer is a long-term financial product for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer. If you fill out and submit a financial product subscription application form including at least one of customer information, financial product subscription information, and customer mobile phone information in order to subscribe to the financial institution, the financial institution may apply to the long-term financial product A system configuration for subscription processing, specifically, when the customer completes the financial product subscription application form and submits it to the counter After inputting (or selecting) the financial product subscription application information corresponding to the financial product subscription application at the window terminal, the information is transmitted to the financial product server 100 and then applied to the financial product subscription application through a predetermined image acquisition device. Acquiring a corresponding predetermined image content and transmitting the predetermined image content to the financial product server 100, the financial product server 100 includes the at least one customer information, financial product subscription information, and customer mobile phone information. The implementation method of subscribing to the said long-term financial instrument based on application information is shown.

Persons of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 6a and 6b to register the financial product subscription application information with the financial product server 100 at the counter terminal. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, although the embodiment shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the financial product subscription application and storing it in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the financial product subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial product subscription application information corresponding to the financial product subscription application is described as being provided from the financial product server 100, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the financial product server 100, whereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial product server 100 shown in Figure 1 is referred to as "server" for convenience, and in the window terminal The customer information, financial product subscription information, and customer mobile phone information transmitted to the financial product server 100 are referred to as "financial product subscription application information" for convenience.

Referring to FIGS. 6A and 6B, a predetermined customer fills out and submits a financial product subscription application including at least one of customer information, financial product subscription information, and customer mobile phone information in order to automatically replace a mobile phone for a long-term financial product subscription maintenance customer. When the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, the terminal terminal automatically replaces a mobile phone for a long-term financial product subscription maintenance customer corresponding to the financial product subscription application. When requesting a user interface (600), in response, the server provides financial product subscription application information including at least one of customer information, financial product subscription information, and customer mobile phone information corresponding to the financial product subscription application prepared by the customer. Create (or select) a user interface for sending to the server (or Ex), and 605, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (610).

Thereafter, the terminal inputs (or selects) financial product subscription application information including at least one of the customer information, financial product subscription information, and customer mobile phone information through the user interface (615).

If the financial product subscription request information including at least one of the customer information, the financial product subscription information, and the mobile phone information is input (or selected) through the user interface (620), the terminal transmits the information through the financial network. The financial product subscription request information inputted (or selected) is transmitted to the server (625).

Thereafter, the server receives and reads the financial product subscription request information including at least one of the customer information, the financial product subscription information, and the customer mobile phone information through the financial network to confirm the validity of the financial product subscription application information. (630).

If the validity of the financial product subscription request information is not authenticated (635), the server generates predetermined financial product error information and transmits it to the terminal (640), and the long-term finance corresponding to the financial product subscription application information. Do not perform the product subscription procedure.

On the other hand, if the validity of the financial product subscription request information is authenticated (635), the server acquires predetermined image contents corresponding to the financial product subscription application written by the customer through a predetermined image acquisition device in the terminal to obtain the server. A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the financial product subscription application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the financial product subscription application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

The server receiving the financial product subscription request information and the image content from the terminal generates a predetermined financial product electronic document including the image content (670).

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 195 through the image receiving unit 120 and the financial product subscription request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Alternatively, the server may include customer information and financial product subscription included in the financial product subscription application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generates image content including at least one of information and customer mobile phone information in a watermarking manner, and includes a predetermined document file (eg, a PDF file including the generated image content and the financial product subscription application information). Maintain a subscription to the long-term financial instrument by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is desirable to create a financial product electronic document for the automatic replacement of the mobile phone to the customer.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a financial instrument electronic document in an image file format and / or a predetermined document file format, and an image corresponding to the financial instrument electronic document. Since you will be familiar with the technical features of the file format for files and / or document files, a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (675).

According to an embodiment of the present invention, storing the financial instrument electronic document in the electronic document repository may be performed by linking the generated financial instrument electronic document and predetermined electronic document management information to the electronic document D shown in FIG. Preferably stored in / B 175.

If the financial product electronic document is stored in the electronic document repository (680), the server corresponds to the long-term financial product based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information The predetermined financial instrument operation information is generated (685).

Thereafter, the server is linked with the financial system 180 to include the financial product operation information based on the customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. Open and process a financial account (690).

Thereafter, the server includes the customer information, the financial product subscription information, the customer mobile phone information, the generated financial product operation information, and the financial account information generated by the financial account processing unit 145 included in the financial product subscription application information. Storing the financial product subscription result information including at least one of the information in a predetermined storage medium 190 (695).

Thereafter, the server records predetermined financial product registration details (eg, a history of opening a financial account corresponding to the long-term financial product, and / or a history of storing the financial product electronic document in the electronic document repository, and / or The record storing the financial product subscription request information on the storage medium 190) is generated (or extracted) and transmitted to the terminal (699).

7A and 7B illustrate a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a face-to-face manner according to another embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device 195 on the financial product subscription system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial product server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 180 linked with a teller terminal through a financial network of a customer, a predetermined customer is provided with a long-term financial product In order to sign up, submit a financial product subscription application including at least one of customer information, financial product subscription information, and customer mobile phone information, and the financial institution subscribes to long-term financial products based on the financial product subscription application in a face-to-face manner. As a system configuration for processing, in detail, when the customer completes the financial product subscription application form and submits it to the counter, After acquiring predetermined image contents corresponding to the financial product subscription application through the predetermined image acquisition device at the window terminal, inputting (or selecting) financial product subscription application information corresponding to the financial product subscription application, and When the image content and the financial product subscription request information are transmitted to the financial product server 100, the financial product server 100 includes the at least one customer information, financial product subscription information, and customer mobile phone information. It shows the implementation method of processing the subscription to the long-term financial products based on the subscription application information.

Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 7a and 7b to register the financial product subscription application information with the financial product server 100 at the counter terminal. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the financial product subscription application and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method illustrated in FIGS. 7A and 7B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the financial product subscription application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial product subscription application information corresponding to the financial product subscription application is described as being provided from the financial product server 100, but a predetermined information registration program is provided at the counter terminal. In this case, the user interface may not be provided from the financial product server 100, whereby the present invention is not limited.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial product server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information, financial product subscription information, and customer mobile phone information transmitted to the financial product server 100 are referred to as "financial product subscription application information" for convenience.

Referring to FIGS. 7A and 7B, a predetermined customer fills out and submits a financial product subscription application including at least one of customer information, financial product subscription information, and customer mobile phone information in order to automatically replace a mobile phone for a long-term financial product subscription maintenance customer. When the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to a predetermined communication channel, the terminal terminal automatically replaces a mobile phone for a long-term financial product subscription maintenance customer corresponding to the financial product subscription application. When requesting a user interface (700), the server correspondingly inputs (or selects) the financial product subscription application information corresponding to the financial product subscription application prepared by the customer in the terminal, and through a predetermined image acquisition device Acquire a predetermined image content corresponding to the financial product subscription application form and transmit it to the server Generating a user interface for (or extract), and 705, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) financial product subscription application information including at least one of the customer information, financial product subscription information, and customer mobile phone information through the user interface (715).

If the financial product subscription request information including at least one of the customer information, the financial product subscription information, and the customer mobile phone information is input (or selected) through the user interface (720), the terminal is determined based on the user interface. An image content corresponding to the financial product subscription application is obtained through the image acquisition device of the controller 725.

If image content corresponding to the financial product subscription application is obtained through the image acquisition device (730), the terminal transmits the financial product subscription application information and image content to the server through the financial network (735). .

Thereafter, the server receives and reads the financial product subscription request information including at least one of the customer information, the financial product subscription information, and the customer mobile phone information through the financial network to confirm the validity of the financial product subscription application information. (740).

If the validity of the financial product subscription request information is not authenticated (745), the server generates predetermined financial product error information and transmits it to the terminal (750), and the long-term finance corresponding to the financial product subscription application information. Do not perform the product registration process.

On the other hand, if the validity of the financial product subscription request information is authenticated (745), the server generates a predetermined financial product electronic document containing the image content (755).

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (760).

Alternatively, when the electronic document archive is provided on a DBMS provided in the financial product subscription system, the server corresponds to the generated electronic product archive on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B (175), whereby the present invention is not limited.

If the financial product electronic document is stored in the electronic document repository (765), the server corresponds to the long-term financial product based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information Predetermined financial product operation information is generated (770).

Thereafter, the server is linked to the financial system 180 to include the financial product operation information based on the customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription request information. Open and process the financial account (775).

According to another exemplary embodiment of the present invention, when the server and the financial system 180 exist on another system connected through a predetermined communication means, the server is located on the financial system 180 through a predetermined communication means. It is preferable to request the general ledger D / B 185 on the other financial system 180 to generate a predetermined ledger including the financial product operation information through the external system.

Thereafter, the server includes the customer information, the financial product subscription information, the customer mobile phone information, the generated financial product operation information, and the financial account information generated by the financial account processing unit 145 included in the financial product subscription application information. Store the financial product subscription result information including at least one of the information in a predetermined storage medium 190 (780)

Thereafter, the server records predetermined financial product registration details (eg, a history of opening a financial account corresponding to the long-term financial product, and / or a history of storing the financial product electronic document in the electronic document repository, and / or The record storing the financial product subscription request information on the storage medium 190) is generated (or extracted) and transmitted to the terminal (785).

8 is a diagram illustrating a non-face-to-face financial product subscription system for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates a financial institution (or fund) in which a predetermined customer includes financial product subscription application information including at least one of predetermined customer information, financial product subscription information, and mobile phone information through a predetermined financial product subscription interface. Subscriber), the financial institution (or fund subscription agency) subscribes to the long-term financial products for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customers based on the financial product subscription application information, the long-term financial products The present invention relates to a system configuration for opening a predetermined financial account for managing the present invention, and those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 8 to maintain a long-term financial product subscription mobile phone. Be able to infer various implementation methods for the composition of financial product subscription system for automatic replacement However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 8 to configure a financial product subscription system that omits the method of storing the financial product electronic document in the electronic document storage. In addition, the electronic document storage is provided in the DBMS located in the financial product subscription system in addition to the implementation method shown in FIG. 8 even when the electronic product storage is stored in the electronic document storage. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the financial product electronic document is illustrated as being generated on the server side on the financial product subscription system, but the present invention is not limited thereto. The electronic document may be generated on the terminal side which inputs (or selects) the financial product subscription request information and transmits the information (eg, the electronic device generating function provided on the server side to the terminal side to generate the financial product electronic document). Production), thereby not limiting the invention.

Hereinafter, receiving the financial product subscription application information from the customer through a predetermined financial product subscription interface on the financial product subscription system shown in FIG. 8, allowing the customer to subscribe to the long-term financial product and correspondingly. A component corresponding to at least one or more means and / or functional configurations for generating a financial instrument electronic document and storing it in a predetermined electronic document repository is referred to as " financial instrument server 800 " for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, the financial product subscription system for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer includes at least one wired terminal and / or wireless terminal used by the customer. And a terminal device 890 including at least one client terminal or the like, wherein the terminal device 890 is provided on the financial product subscription system through a predetermined network means. ) And the communication channel are connected.

According to an embodiment of the present invention, the customer accesses the financial product server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial product subscription application information for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer is input (or selected) through at least one user interface provided by the financial product server 800, a predetermined network is provided by the client terminal. It is preferable to transmit to the financial product server 800 provided on the financial product subscription system through the means.

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

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

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

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

In addition, the client terminal outputs at least one user interface provided by the financial product server 800, inputs and / or selects at least one information through the user interface, and transmits the same to the financial product server 800. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the financial product server 800, etc.) is provided.

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

In the financial product subscription system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the financial product server 800. The communication network and / or the wireless communication network performs a function of a financial product subscription interface for registering the financial product subscription application information for the customer to automatically replace the mobile phone for the long-term financial product subscription maintenance customer.

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

In the financial product subscription system as described above, when the terminal device 890 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial product server The financial network connecting 800 performs a function of a financial product subscription interface for registering the financial product subscription application information for the customer to automatically replace the mobile phone for the long-term financial product subscription maintenance customer, and / or the terminal device. If 890 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial product server 800 are the customer. Performing the function of the financial product subscription interface for registering the financial product subscription application information for the mobile phone automatic replacement for the long-term financial product subscription maintenance customers, and And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal device 890, the terminal (and / or server) (not shown) and the terminal (and And / or a server) (not shown) and the network connecting the financial product server 800 to the financial product subscription interface for registering the financial product subscription application information for the mobile phone automatic replacement of the customer for the long-term financial product subscription maintenance customer Performs the function of.

The storage medium 885 provided on the financial product subscription system according to the present invention includes the customer information, financial product subscription information, customer mobile phone information and the like included in the financial product subscription application information provided from the terminal device 890. And storing the financial product subscription result information including at least one of the financial product operation information and the financial account information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone 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). At least one of member ID information, CIF (Customer Information File), etc., provided in the customer ledger provided on the financial system 875 associated with the financial product subscription system in response to the customer. It is preferable to comprise as mentioned above.

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the long-term financial product, and various additional attributes of the financial product and basic financial product information including the financial product management institution, or the financial When the product is an investmentable financial product, the financial product investment target information and the financial product investment amount information may be further included.

According to another exemplary embodiment of the present invention, if the long-term financial product is at least one deposit / storage product, the financial account information is a financial account for managing the deposit / storage corresponding to the financial product operation information. It is preferable that the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to one embodiment of the invention, the storage medium 885 is preferably provided in the DBMS on the financial system 875 provided on the financial product subscription system (or associated with the financial product subscription system), In this case, the storage medium 885 may be a ledger D / B 880 provided in a DBMS on the financial system 875, and / or a predetermined database associated with the ledger D / B 880. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 885 may be provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the financial product subscription system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

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

According to an embodiment of the present invention, when the terminal device 890 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial product server 800 is A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or predetermined external access to the external system of the financial system 875 through the Internet banking system. A server (or device) of a server, a program included in the server (or device), and / or a destination on the financial system 875 accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) provided in the alien, and / or a program provided in the external world on the financial system 875, whereby This is not limited.

According to another embodiment of the present invention, when the terminal device 890 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial product server 800 is the wireless banking system. A predetermined server capable of accessing the external system of the financial system 875 through a wireless banking server, and / or a program provided in the wireless banking server, and / or the wireless banking system. Or a device), a program included in the server (or device), and / or in an external system on the financial system 875 accessible through the wireless banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 875, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial product server 800 may include the telebanking system. The banking system 875 is a predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on and / or a program provided in the telebanking server, and / or through the telebanking system. Any server (or device) accessible to the outside world of the program, a program included in the server (or device), and / or the accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the financial system 875, and / or a program provided in the external system on the financial system 875, whereby the present invention provides a Shall not.

According to another exemplary embodiment of the present invention, when the terminal device 890 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial product server 800 is the TV. A predetermined TV banking server provided on a banking system, and / or a program provided on the TV banking server, and / or a predetermined access to the external system of the financial system 875 via the TV banking system. A foreign system on the financial system 875 that is a server (or device), a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 875, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial product server 800 includes an interface unit 805 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 890 through the network means. Characterized in that made.

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

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial product server 800, the interface unit 805 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 terminal device 890 is a financial automation device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

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

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

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial product server 800, the interface unit 805 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 terminal device 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

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

Referring to FIG. 8, when the terminal device 890 connects a predetermined communication channel with the financial product server 800 through the interface unit 805, the financial instrument server 800 may use the long-term financial instrument. Create at least one user interface for inputting (or selecting) predetermined financial product subscription application information in the terminal device 890 for automatic replacement of a mobile phone for a product subscription maintenance customer, and transmitting it to the financial product server 800 ( Or an interface providing unit 810 (or interface providing means) for providing the generated (or extracted) user interface to the terminal device 890 in association with the interface unit 805, and the terminal device. In operation 890, when the financial product subscription application information is input (or selected) through the user interface, the terminal device 890 is connected with the interface unit 805. Provided by the information receiving unit 815 (receiving means or information) for receiving the instrument subscription request information transmitted from the is characterized in that formed.

The interface providing unit 810 connects a predetermined communication channel with the financial product server 800 through the interface unit 805 and then connects the long term to the financial product server 800. When requesting a user interface for automatic replacement of a mobile device for a financial product subscription customer, the terminal device 890 inputs (or selects) predetermined financial product subscription application information through the network means to the financial product server 800. Generate at least one user interface for transmission to a network, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 805 via the network means. It is characterized in that provided to the terminal device (890).

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

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

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

According to another exemplary embodiment of the present invention, when the terminal apparatus 890 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS-based user interface) through the interface unit 805 to the call terminal (not shown). It is preferable to provide.

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

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined financial product subscription application information to the terminal device 890 and transmitting the predetermined financial product subscription application information to the financial product server 800 through the network means. If a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined financial product subscription application information as described above to be transmitted to the financial product server 800 is generated (or extracted). Therefore, the interface providing unit 810 provided to the terminal device 890 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 890 inputs (or selects) the financial product subscription application information including at least one of the customer information, the financial product subscription information, and the customer mobile phone information through the user interface. The financial product subscription request information is transmitted to the financial product server 800 through the network means. In response thereto, the information receiving unit 815 is connected to the interface unit 805 from the terminal device 890. Characterized in that to receive the financial product subscription application information transmitted.

According to an embodiment of the present invention, the terminal device 890 includes the financial product subscription information including at least one of the customer information, the financial product subscription information, and the mobile phone information. The network means further comprises at least one or more of a predetermined password and / or security card information for confirming the validity of the subscription application information and / or OTP code generated through a predetermined one time password (OTP) generator, etc. It is preferable to transmit to the financial product server 800.

According to an embodiment of the present invention, the terminal device 890 includes at least one encryption method (for example, a symmetric key based on financial product subscription request information including at least one of the customer information, financial product subscription information, and mobile phone information). Encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.), and / or a predetermined electronic signature is applied to the financial instrument subscription information. In addition, it is preferable to transmit to the financial product server 800 through the network means, for this purpose, the terminal device 890 is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one A predetermined certificate including the above encryption key is provided, and / or the certificate is a predetermined IC chip (or IC card), it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial product subscription application information, and technical features for attaching a predetermined electronic signature to the financial product subscription application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 8, when the financial product subscription request information transmitted from the terminal device 890 is received through the information receiver 815, the financial product server 800 receives the received financial product subscription request information. Characterized in that it comprises a validity confirming unit 820 (or validity confirming means) for confirming whether the long-term financial product subscription maintenance customer satisfies the validity for automatic replacement of the mobile phone.

According to an embodiment of the present invention, the financial instrument subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption method, the validity confirming unit 820 includes at least one decryption method (for example, a symmetric key based decryption method) corresponding to the encryption method. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received financial product subscription information.

Alternatively, when a predetermined electronic signature is attached to the financial product subscription request information, the validity verification unit 820 checks the electronic signature attached to the financial product subscription application information, thereby receiving the received financial product subscription application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted financial product subscription application information, and technology for confirming an electronic signature attached to the financial product subscription application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

When the financial product subscription request information received through the information receiving unit 815 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the financial product subscription application information, the validity confirmation unit In step 820, it is preferable to authenticate the validity of the received financial product subscription application information by comparing and authenticating a password included in the financial product subscription application information with a password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the financial product subscription request information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the financial product subscription request information, the validity checking unit 820 Is to verify the validity of the received financial product subscription application information by comparing and authenticating the received security card information included in the financial product subscription application information and the security card information provided corresponding to the customer on the DBMS. desirable.

Alternatively, when the financial product subscription request information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the financial product subscription request information, the validity confirming unit 820 may include: By comparing and verifying the received OTP code included in the financial product subscription request information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received financial product subscription request information It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validity of the financial product subscription application information is matched with the financial product subscription application information on the ledger D / B 880 on the financial system 875 associated with the financial product subscription system It is preferable to include checking whether at least one ledger information is registered.

For example, the validity check of the financial product subscription request information includes a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the financial product subscription request information is linked to the financial product subscription system ( It is preferable to include a match with the customer ledger stored in the ledger D / B (880) on 875.

In addition, the validity of the financial product subscription application information, the information contained in the received financial product subscription application information, the financial product subscription information on the financial system 875 linked to the financial product entry system ledger D It is preferable to include whether or not it can process in / B (880).

Referring to FIG. 8, when the validity of the financial product subscription request information is authenticated through the validity checker 820, the financial product server 800 includes predetermined financial information including the received financial product subscription request information. An electronic document generating unit 825 (or an electronic document generating means) for generating a product electronic document, and an electronic document transmitting unit 830 for transmitting the generated financial product electronic document to the electronic document storage associated with the financial product subscription system. (Or an electronic document transmission means).

The electronic document generation unit 825 generates a financial product electronic document including the financial product subscription application information received from the terminal device 890 through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generator 825 includes at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiver 815. A word processor which generates at least one document content including at least one document content and includes at least one document file (eg, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the document content. File, or a web document file including MHT) is preferably processed as a financial product electronic document for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiver 815. The document content includes at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription request information in a watermarking manner, and then includes the watermarking document content. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to process the financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customers.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiver 815. And an image file including image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory). It is preferable to process it as an electronic document.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiver 815. And the customer information, the financial product subscription information, and the mobile phone information included in the financial product subscription application information in the image content (for example, image content generated by capturing the document content on the memory) which captured the document content. After including at least one of the information in a watermarking (Watermarking) method, and processing the image file containing the image content including the watermarking as a financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customers It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 stores at least customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiving unit 815. Generate a document content including one or more, and a predetermined document file (e.g., PDF (including image content generated by capturing the document content on a memory) that captures the document content. Maintain a subscription to the long-term financial instrument by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT. It is desirable to process financial documents electronic documents for automatic replacement of mobile phones for customers.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiver 815. And the customer information, the financial product subscription information, and the mobile phone information included in the financial product subscription application information in the image content (for example, image content generated by capturing the document content on the memory) which captured the document content. Generating image content including at least one of the at least one information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data) including the image content including the watermarking). Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web text including MHT. By generating a file, etc., it is preferable to process the financial product electronic document for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customers.

According to another exemplary embodiment of the present invention, the electronic document generation unit 825 stores customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiving unit 815. A predetermined content including document content including at least one document content and image content (eg, image content generated by capturing the document content on a memory) and the financial product subscription request information; By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In addition, it is preferable to process the financial product electronic document for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received through the information receiver 815. And the customer information, the financial product subscription information, and the mobile phone information included in the financial product subscription application information in the image content (for example, image content generated by capturing the document content on the memory) which captured the document content. Create image content including at least one of the information in a watermarking (Watermarking) method, and a document file (for example, PDF (Portable Document Format) containing the watermarking image content and the financial product subscription information) A word processor that includes at least one file, an electronic data interchange (EDI) file, or an HWP / DOC file. By creating a file, or web document MHT file that contains etc), it is desirable to process electronic documents in financial instruments for the long-term financial products Up maintaining customer target phone automatically replace.

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

The electronic document transmitting unit 830 may transmit and store the financial product electronic document generated by the electronic document generating unit 825 to a predetermined electronic document repository associated with the financial product subscription system.

As shown in FIG. 8, the electronic document repository is connected to the financial product server 800 on the financial product subscription system and the electronic document D / B 870 associated with the predetermined electronic document server 850 through predetermined communication means. When provided externally, the electronic document transmission unit 830 transmits the financial product electronic document generated by the electronic document generation unit 825 to the electronic document server 850 through the communication means. Characterized in that the transmission.

Here, when the electronic document server 850 and the electronic document D / B 870 is provided outside the financial product subscription system, the electronic document server 850 and the electronic document D / B 870 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. It is possible to store the financial instrument electronic document in the electronic document D / B 870 corresponding to the electronic document storage on the DBMS provided in the financial instrument subscription system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 830 inputs electronic document related information (eg, the financial product subscription request information) for generating predetermined electronic document management information in the electronic document server 850. (Optional) customer information transmitted, and / or financial institution information transmitting the financial instrument electronic document, and / or electronic document file format information, and / or the financial product subscription application information, etc.) It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 8, the financial product server 800 automatically replaces the mobile phone for the long-term financial product subscription maintenance customer through the validity checker 820 where the financial product subscription request information received through the information receiver 815 is used. When the validity for the authentication is authenticated, the predetermined financial product operation information corresponding to the long-term financial product is generated based on the customer information, the financial product subscription information, and the customer mobile phone information included in the validity-certified financial product subscription application information. The customer name including the financial product operation information based on the information generation unit 835 (or information generating means) and the customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. It is characterized in that it comprises a financial account processing unit 840 (or financial account processing means) for opening and processing the financial account.

When the validity of the financial product subscription application information is confirmed by the validity confirmation unit 820, the information generator 835 may include customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. The predetermined financial product management information corresponding to the long-term financial product is generated.

According to an exemplary embodiment of the present invention, if the long-term financial product is at least one fund-related product, the information generator 835 may include customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. It is preferable to generate beneficiary certificate information corresponding to the long-term financial instrument (for example, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

According to another exemplary embodiment of the present invention, if the long-term financial product is at least one deposit / saving product, the information generator 835 may include customer information, financial product subscription information, and customer mobile phone included in the financial product subscription application information. Deposit information (or savings information) corresponding to the long-term financial instrument based on the information (e.g., an account number corresponding to a predetermined deposit / storage, interest (or interest rate) corresponding to the deposit / storage), and a subscription period. It is desirable to create a deposit (or deposit) attribute, etc.).

The financial account processing unit 840 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system 875 (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial product operation information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the financial product subscription request information. It is characterized in that the opening and processing of a predetermined financial account for the automatic replacement of mobile phones for customers who maintain long-term financial product subscription.

When the financial product server 800 and the financial system 875 are present in the same system, the financial account processing unit 840 is linked with the financial system 875 according to an embodiment of the present invention. In B 880, it is preferable to generate a predetermined ledger including the financial product operation information.

According to another exemplary embodiment of the present invention, when the financial product server 800 and the financial system 875 exist on another system connected through a predetermined communication means, the financial account processing unit 840 may perform a predetermined communication. It is preferable to request, via means of external means on the financial system 875, to make a ledger D / B 880 on the other financial system 875 to generate a predetermined ledger containing the financial instrument operation information. .

Referring to FIG. 8, the financial product server 800 automatically replaces the mobile phone for the long-term financial product subscription maintenance customer through the validity checker 820 where the financial product subscription request information received through the information receiver 815 is used. When the validity for the authentication is authenticated, the customer information and financial product subscription information, customer mobile phone information and the financial product management information generated by the information generator 835 included in the financial product subscription application information is validated and An information storage unit 845 (or information storage means) for storing financial product subscription result information including at least one financial account information generated by the financial account processing unit 840 in a predetermined storage medium 885. Characterized in that made.

When the validity of the financial product subscription application information is confirmed by the validity confirmation unit 820, the information storage unit 845 may include the customer information and the financial product subscription information included in the financial product subscription application information, and the customer mobile phone. The financial product subscription result information including at least one information may be stored in the storage medium 885.

In addition, when the financial product operation information generated by the information generation unit 835 is generated, the information storage unit 845 further includes the generated financial product operation information in the financial product subscription result information. The storage medium 885 is preferably stored.

In addition, the information storage unit 845, if a financial account including the financial product operation information is opened in the ledger D / B 880 on the financial system 875, the opened in the financial product subscription result information It is preferable to further store financial account information in the storage medium 885.

According to an exemplary embodiment of the present invention, when the storage medium 885 is provided in the financial product server 800 or on a network connected to the financial product server 800, the information storage unit 845 is provided. The storage medium includes the financial product subscription result information including at least one of the customer information, the financial product subscription information, the customer mobile phone information, the financial product operation information and the financial account information included in the received financial product subscription application information ( 885).

According to another exemplary embodiment of the present invention, when the storage medium 885 is provided in the DBMS provided on the financial system 875, the information storage unit 845 is included in the received financial product subscription application information. The financial product subscription information including at least one of the customer information, financial product subscription information, customer mobile phone information, and the financial product operation information and financial account information is provided to the information system through an external system on the financial system 875. It is desirable to store in a DBMS provided on the system 875.

Referring to FIG. 8, an electronic document server which receives a predetermined financial product electronic document from the financial product server 800 provided on the financial product subscription system and stores and manages it in a predetermined electronic document D / B 870. An electronic document receiving unit 855 (or electronic document receiving means) for receiving a predetermined financial product electronic document from the financial product server 800 through a predetermined communication means, and the received financial product electronic document. Information generating unit 860 (or information generating means) for generating predetermined electronic document management information for storing and managing the electronic document in the electronic document D / B 870, and the electronic document management information and the financial product electronic document. It is characterized in that it comprises an electronic document storage unit 865 (or an electronic document storage means) for storing the link to the predetermined electronic document D / B (870).

The electronic document receiving unit 855 may receive a financial product electronic document in the form of an image file and / or a document file from the financial product server 800 through the communication means.

According to an exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 855 through the communication means is a financial product subscription request received by the financial product server 800 from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing document contents including at least one of customer information, financial product subscription information, and customer mobile phone information included in the information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the financial product electronic document received by the electronic document receiving unit 855 through the communication means may include customer information included in the financial product subscription application information received by the financial product server 800 from the terminal device 890; Watermarking methods include at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information in document content including at least one financial product subscription information and customer mobile phone information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT).

Alternatively, the financial product electronic document received by the electronic document receiving unit 855 through the communication means may include customer information included in the financial product subscription application information received by the financial product server 800 from the terminal device 890; And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one financial product subscription information and customer mobile phone information. desirable.

Alternatively, the financial product electronic document received by the electronic document receiving unit 855 through the communication means may include customer information included in the financial product subscription application information received by the financial product server 800 from the terminal device 890; The image content (e.g., image content generated by capturing the document content on a memory) captured by document content including at least one financial product subscription information and customer mobile phone information is included in the financial product subscription application information. After including at least one or more information of the customer information, financial product subscription information, customer mobile phone information in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 855 through the communication means subscribes to the financial product received by the financial product server 800 from the terminal device 890. Image content (eg, image content generated by capturing the document content on a memory) including document information including at least one of customer information, financial product subscription information, and customer mobile phone information included in the application information; A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the financial product electronic document received by the electronic document receiving unit 855 through the communication means may include customer information included in the financial product subscription application information received by the financial product server 800 from the terminal device 890; The image content (e.g., image content generated by capturing the document content on a memory) captured by document content including at least one financial product subscription information and customer mobile phone information is included in the financial product subscription application information. Create a document content including at least one or more information of the customer information, financial product subscription information, customer mobile phone information in a watermarking method, and a document file (for example, PDF ( At least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or HWP / DOC. Word processor files, or web document files containing MHT).

According to another exemplary embodiment of the present invention, the financial product electronic document received by the electronic document receiving unit 855 through the communication means is the financial product received by the financial product server 800 from the terminal device 890. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the subscription application information; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the financial product subscription request information, or an MHT. It is preferable that the web document file including a).

Alternatively, the financial product electronic document received by the electronic document receiving unit 855 through the communication means may include customer information included in the financial product subscription application information received by the financial product server 800 from the terminal device 890; The image content (e.g., image content generated by capturing the document content on a memory) captured by document content including at least one financial product subscription information and customer mobile phone information is included in the financial product subscription application information. Generating image content including at least one or more information of the customer information, financial product subscription information, customer mobile phone information by the watermarking method, and includes the image content including the watermarking and the financial product subscription application information Document files (e.g. Portable Document Format (PDF) files, or Electronic Data Interchange (EDI) files, or HWP / DOC) And a word processor file including at least one or the like, or a web document file including the MHT.

The information generating unit 860 is a predetermined electronic document unique number (or unique information) to be assigned to the financial product electronic document received through the electronic document receiving unit 855, and the financial information through the electronic document receiving unit 855 And generating electronic document management information including electronic document storage date and time information including a date and time at which a product electronic document was received (or a date and time at which the financial product electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 860 refers to the financial product electronic document by referring to the financial product server 800 that has transmitted the financial product electronic document received through the electronic document receiving unit 855. It is preferable to check the financial institution that has sent the, and to generate electronic document management information further comprising the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial product server 800 through the electronic document receiving unit 855, the information generating unit 860 receives the received information. Electronic document-related information (e.g., customer information transmitted by inputting (selecting) the financial product subscription application information) and / or financial institution information transmitting the financial product electronic document, and / or electronic document file format information, and / Or the electronic document management information further including the financial product subscription application information).

The electronic document storage unit 865 associates a financial product electronic document received through the electronic document receiving unit 855 with electronic document management information generated through the information generating unit 860 to process a predetermined electronic document D /. It is characterized in that stored in the B (870).

According to an exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product server 800 from the terminal device 890. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product subscription request information received by the financial product server 800 from the terminal device 890. Water at least one or more of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information in document contents including at least one of customer information, financial product subscription information, and customer mobile phone information included in the document information. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking after being included in a watermarking method. Or a web document file including the MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product subscription request information received by the financial product server 800 from the terminal device 890. An image including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the information. It is preferable to include a file.

Alternatively, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product subscription request information received by the financial product server 800 from the terminal device 890. The financial product in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the document information. After including at least one or more information of the customer information, financial product subscription information, customer mobile phone information included in the subscription application information by watermarking (Watermarking) method, including an image file including the image content including the watermarking; It is preferable to make.

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product server 800 by the terminal device 890. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received from A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including an image content, or an MHT Web document files, etc.).

Alternatively, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product subscription request information received by the financial product server 800 from the terminal device 890. The financial product in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the document information. Generating image content including at least one or more of customer information, financial product subscription information, and mobile phone information included in the subscription application information by a watermarking method, and including the image content including the watermarking; At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or at least one HWP / DOC). Is preferably a word processor file or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product server 800 by the terminal device 890. Image content (e.g., capturing the document content on a memory by capturing document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information received from At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the generated image content) and the financial product subscription request information. Word processor files, or web document files containing MHT).

Alternatively, the financial product electronic document stored in the electronic document D / B 870 by the electronic document storage unit 865 is the financial product subscription request information received by the financial product server 800 from the terminal device 890. The financial product in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the document information. Generate image content including at least one or more of customer information, financial product subscription information, and customer mobile phone information included in the subscription application information by a watermarking method, and the image content and the financial product including the watermarking. Document file containing subscription information (eg, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, or HWP / D) And a word processor file including at least one or more OC, or a web document file including MHT.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by the electronic document storage unit 865 in association with the financial product electronic document is stored in the financial product electronic document. It is preferable that a predetermined electronic document unique number (or unique information) assigned and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 870 by the electronic document storage unit 865 in association with the financial product electronic document is stored in the electronic product electronic document. Preferably, the financial product server 800 may further include information on a financial institution that has transmitted the financial product electronic document identified with reference to the financial product server 800.

According to another exemplary embodiment of the present invention, when the electronic product information is further received from the financial product server 800, the electronic document storage unit 865 processes the electronic product by linking with the financial product electronic document. The electronic document management information stored in the document D / B 870 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the financial product subscription application information, and / or the electronic product of the financial product). Financial institution information for transmitting a document, and / or electronic document file format information, and / or the financial product subscription application information).

9 illustrates an implementation method in which a storage medium 885 for storing financial product subscription result information corresponding to long-term financial products subscribed in a non-face-to-face manner is provided in a DBMS on a financial system 875 according to an exemplary embodiment of the present invention. Figure is shown.

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

Referring to FIG. 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 880 provided in the DBMS on the financial system 875 is associated with a predetermined ledger and the ledger. An account ledger corresponding to a financial product subscribed through the financial product subscription system shown in FIG. 8 and at least one information associated with the account ledger are included. If the person has, the ledger D / B (880) provided in the DBMS on the financial system 875 has at least one ledger (for example, receiving ledger, loan ledger, collateral ledger) in addition to the customer ledger and account ledger shown in FIG. , ... etc.) and / or at least one additional information for maintaining and managing the ledgers. Since a group to be aware, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Including at least one 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 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.

According to an exemplary embodiment of the present invention, the storage medium 885 may be the ledger D / B 880, or includes an implementation method provided in the ledger D / B 880. A financial product including at least one of the customer information, the financial product subscription information, the customer mobile phone information, the financial product operation information and the financial account information included in the financial product subscription application information provided through the financial product subscription system shown in FIG. The registration result information is stored in the form of additional information added to the account ledger.

[Configuration Information 1] is

It is preferable.

According to another exemplary embodiment of the present invention, the financial product subscription application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). In addition to the form of additional information added to, and / or in addition to the account ledger can be stored in a separate independent ledger form, and the present invention is not limited thereby.

10 is a ledger D provided in a DBMS on a financial system 875 that has a storage medium 885 storing financial product subscription result information corresponding to long-term financial products subscribed in a non-face-to-face manner according to another embodiment of the present invention. A diagram illustrating an implementation method that includes a database associated with / B 880.

In more detail, FIG. 10 illustrates an embodiment in which the storage medium 885 shown in FIG. 8 includes a predetermined database linked to the ledger D / B 880 provided in the DBMS on the financial system 875. As shown in FIG. 10, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 10 and write the financial product subscription result information to a predetermined database in the ledger D / B ( 880 may be inferred from various methods of configuring information stored in association with the present invention, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Particularly, in FIG. 10, it is not easy to store the financial product subscription result information in the ledger information of the ledger D / B 880 on the DBMS provided on the financial system 875 (for example, in a financial institution). If the policy is not easy to change the ledger D / B 880 of the DBMS, or the system expansion is not easy due to the nature of the financial system 875), instead of the ledger D / B 880 to a predetermined database The implementation method of storing the financial product subscription result information and storing the financial product subscription result information in association with the database and the ledger D / B 880 is shown.

In addition, the database shown in FIG. 10 does not have to be provided on a DBMS provided on the financial system 875 as in the embodiment shown in FIG. 10, and the database on the Internet banking system according to the intention of the person skilled in the art, And / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 10, the storage medium 885 includes a database associated with the ledger D / B 880 provided in the DBMS on the financial system 875. And stores financial product subscription information including at least one of the customer information, the financial product subscription information, the customer mobile phone information, and the financial product operation information and the financial account information included in the financial product subscription application information. Preferably, the financial product subscription result information further includes a CIF number corresponding to the ledger information in the financial product subscription result information in order to be linked to the ledger D / B 880.

[Configuration Information 1] is

It is preferable.

11 illustrates a DBMS having a storage medium 885 provided in a banking server for storing financial product subscription result information corresponding to a long-term financial product subscribed in a non-face-to-face manner according to another exemplary embodiment of the present invention. Figure is a diagram.

More specifically, in Figure 11, the storage medium 885 shown in Figure 8 is a predetermined banking provided on an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified It is possible to infer a method of constructing information on financial product subscription result information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 11, wherein the storage medium 885 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the financial product subscription request information. And the financial product subscription result information including at least one of the customer information and the financial product subscription information, the customer mobile phone information, and the financial product operation information and the financial account information.

[Configuration Information 1] is

It is preferable.

12A and 12B illustrate a long-term financial product subscription process for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer in a non-face-to-face manner according to one embodiment of the present invention.

12A and 12B, the terminal device 890 on the financial product subscription system shown in FIG. 8 is a client terminal, and the financial product server 800 is accessible to a client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer receives customer information, financial product subscription information and customer mobile phone information through the client terminal in order to subscribe to a long-term financial product for automatic replacement of a mobile phone for a customer. If the financial product subscription application information including at least one or more is provided, the long-term financial product based on the financial product subscription application information including at least one of the customer information, financial product subscription information, customer mobile phone information in the financial product subscription system Go to the above-mentioned long-term financial products for the automatic replacement of mobile phones for customers As an embodiment of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawings 12a and 12b to the financial product server 800 from the client terminal. Various implementation methods for registering financial product subscription application information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, although the implementation method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the financial product subscription request information and storing the electronic document in an electronic document repository, the process may be performed by one of ordinary skill in the art. As such, the present invention is not limited thereto.

12A and 12B illustrate that the client product inputs (or selects) the financial instrument subscription information through a predetermined web page provided by the financial product server 800. Although illustrated as being provided, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the financial product server 800, and the present invention is not limited thereto.

12A and 12B, the client terminal shown in FIG. 8 is referred to as a "terminal" for convenience, and the financial product server 800 shown in FIG. 8 is referred to as a "server" for convenience, and the client terminal The customer information, the financial product subscription information, and the customer mobile phone information transmitted to the financial product server 800 are referred to as "financial product subscription application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Accessing the server through a CDMA-based (and / or HSDPA-based) mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, When a web page including a user interface for automatically replacing a mobile phone for a customer who maintains a financial product subscription is requested (1200), in response, the server includes at least one of the customer information, the financial product subscription information, and the customer mobile phone information. Generate (or select) a web page including a user interface for inputting (or selecting) product subscription request information to the server. Ex), and 1205, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station 1210.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the financial product subscription application information registration procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial product subscription application information including at least one or more customer information, financial product subscription information, and mobile phone information through the user interface included in the web page (1215).

If the terminal receives (or selects) financial product subscription application information including the customer information, financial product subscription information, and customer mobile phone information (1220), the terminal inputs the terminal through the communication channel. The customer information, the financial product subscription information, and the customer mobile phone information are transmitted to the server (1225).

According to an embodiment of the present invention, the terminal checks the validity of the financial product subscription application information on the server to the financial product subscription information including at least one of the customer information, financial product subscription information, customer mobile phone information. At least one or more of a predetermined password and / or security card information and / or a predetermined OTP (One Time Password) generator is preferably transmitted to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method) and financial product subscription request information including at least one of the customer information, financial product subscription information, and customer mobile phone information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.), and / or attach a predetermined electronic signature to the financial instrument subscription information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key , And / or the IC is installed in a predetermined IC chip (or IC card). It is preferable that a card reader is provided for confirming the public certificate provided in the chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method) and financial product subscription request information including at least one of the customer information, financial product subscription information, and customer mobile phone information. / Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) to transmit to the server via the network means, for this purpose, the terminal Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided. It is preferable.

Thereafter, the server receives and reads the customer information, the financial product subscription information, and the customer mobile phone information through the communication channel to confirm the validity of the financial product subscription application information (1230).

According to an embodiment of the present invention, the financial instrument subscription information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted financial instrument subscription information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption, and / or electronic envelope-based decryption, and / or key exchange-based decryption, etc.), it is preferable to authenticate the validity of the received financial product subscription application information.

Alternatively, when a predetermined electronic signature is attached to the financial product subscription application information, the server verifies the validity of the received financial product subscription application information by checking the electronic signature attached to the financial product subscription application information. It is preferable.

When the financial product subscription request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the financial product subscription request information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial product subscription application information by comparing and authenticating the received password included in the financial product subscription information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the financial product subscription request information received through the information receiver 815 further includes predetermined security card information for confirming the validity of the financial product subscription request information, the server subscribes to the financial product subscription. It is preferable to authenticate the validity of the received financial product subscription application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial product subscription application information received through the information receiving unit 815 further includes a predetermined OTP code for checking the validity of the financial product subscription application information, the server requests the financial product subscription application. The validity of the received financial product subscription application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

In addition, the validity of the financial product subscription application information, the information contained in the received financial product subscription application information, financial product subscription information on the financial system 875 linked with the financial product subscription system ledger D / It is preferable to include checking whether or not it can process in B (880).

If the validity of the financial product subscription request information is not authenticated (1235), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1240), and the long-term financial product subscription procedure Do not do it.

On the other hand, if the validity of the financial product subscription request information is authenticated (1235), the server includes predetermined document content including at least one or more customer information, financial product subscription information, customer mobile phone information including the financial product subscription application information In operation 1250, a predetermined financial instrument electronic document including the document content is generated.

According to an embodiment of the present invention, the server generates document content including at least one or more customer information, financial product subscription information, customer mobile phone information included in the received financial product subscription application information, and the document content A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to process the financial product electronic document for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and the document content in the financial product subscription application information. After including at least one or more of the included customer information, financial product subscription information, customer mobile phone information in a watermarking (Watermarking) method, a document file (eg, PDF (Portable Document) containing the document content including the watermarking Format file, electronic data interchange (EDI) file, word processor file including at least one of HWP / DOC, or web document file including MHT) It is desirable to process financial documents electronically for

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and captures the document content. It is preferable to process an image file including (for example, image content generated by capturing the document content on a memory) into a financial product electronic document for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one or more pieces of customer information, financial product subscription information, and mobile phone information included in the financial product subscription application information may be watermarked. After the inclusion, it is preferable that the image file including the image content including the watermarking is processed as a financial product electronic document for automatic replacement of the mobile phone for the long-term financial product subscription holder.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including image content captured by capturing the image content (e.g., image content generated by capturing the document content on a memory). , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc.) to process a financial product electronic document for automatic replacement of a mobile phone for a long-term financial product subscription customer. It is preferable.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one or more pieces of customer information, financial product subscription information, and mobile phone information included in the financial product subscription application information may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; The word processor file or the web document file including the MHT). Maintain financial product subscription It is desirable to process financial product electronic documents for automatic replacement of mobile phones for customers.

According to another embodiment of the present invention, the server generates document content including at least one or more customer information, financial product subscription information, customer mobile phone information included in the received financial product subscription application information, the document A predetermined document file (e.g., a Portable Document Format (PDF) file) including image content (e.g., image content generated by capturing the document content on a memory) and the financial product subscription request information; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby automatically replacing the mobile phone for the long-term financial product subscription maintenance customer. It is desirable to process financial documents electronically.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one or more pieces of customer information, financial product subscription information, and mobile phone information included in the financial product subscription application information may be watermarked. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) including an image content including the watermarking and the financial product subscription information; Word processor files containing at least one of / DOC, etc., or web document files containing MHT. By creating, etc.), it is desirable to process electronic documents in financial instruments for the long-term financial products Up maintaining customer target phone automatically replace.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 850 and an electronic document D / B 870 linked to a server on the financial product subscription system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial instrument electronic document to the electronic document server 850 through the communication means to store in the electronic document D / B (870).

Alternatively, when the electronic document storage is provided on a DBMS provided in the financial product subscription system, the server corresponds to the electronic document storage on the DBMS provided in the financial product subscription system. It is possible to store in the electronic document D / B 870, by which the present invention is not limited.

According to the method of the present invention, storing the financial instrument electronic document in the electronic document storage, the electronic document D shown in Fig. Preferably stored in / B 870.

The electronic document management information may include predetermined electronic document related information (eg, customer information transmitted by inputting (selecting) the financial product subscription application information, and / or financial institution information transmitting the financial product electronic document), and And / or the electronic document file format information, and / or the financial product subscription application information).

If the financial product electronic document is stored in the electronic document repository (1260), the server corresponds to the long-term financial product based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information Generates predetermined financial product management information (1265).

According to another embodiment of the present invention, if the long-term financial product is at least one deposit / saving product, the server is based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information Deposit information (or savings information) corresponding to a long-term financial instrument (e.g., a deposit (or savings) including an account number corresponding to a given deposit / storage, interest (or interest rate) corresponding to the deposit / storage and a subscription period, etc.) Attributes, etc.) is preferable.

Thereafter, the server is linked with the financial system 875 to include the financial product operation information based on the customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. Open and process a financial account (1270).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 875 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial instrument operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, In response to the long-term financial product subscription maintenance customer characterized in that the opening of a predetermined financial account for the automatic replacement of the mobile phone.

According to an embodiment of the present invention, when the server and the financial system 875 are present in the same system, the server is linked to the financial system 875 to the ledger D / B 880 for the financial product operation information. It is preferable to generate a predetermined account ledger including.

According to another exemplary embodiment of the present invention, when the server and the financial system 875 exist on another system connected through a predetermined communication means, the server is connected to the financial system 875 through a predetermined communication means. It is preferable to request the general ledger D / B 880 on the other financial system 875 to generate a predetermined account ledger including the financial product operation information through the external system.

Thereafter, the server stores the customer information, the financial product subscription information, the customer mobile phone information, the generated financial product operation information, and the financial account information generated by the financial account processing unit 840 included in the financial product subscription application information. The financial product subscription result information including at least one or more information is stored in a predetermined storage medium 885 (1275).

According to an embodiment of the present invention, when the storage medium 885 is provided in the server or on a network associated with the server, the server includes the customer information included in the received financial product subscription request information. And the financial product subscription information including the financial product subscription information, the customer mobile phone information, and the financial product operation information and the financial account information, in the storage medium 885.

According to another exemplary embodiment of the present invention, when the storage medium 885 is provided in the DBMS provided on the financial system 875, the server includes the customer information included in the received financial product subscription application information. Financial system 875 by providing financial product subscription information, customer mobile phone information and financial product subscription result information including at least one or more of the financial product operation information and financial account information through the external system on the financial system 875. It is preferable to store in the DBMS provided on the.

Thereafter, the server records predetermined financial product registration details (eg, a history of opening a financial account corresponding to the long-term financial product, and / or a history of storing the financial product electronic document in the electronic document repository, and / or The record storing the financial product subscription request information on the storage medium 885) is generated (or extracted) and transmitted to the terminal (1280).

In more detail, FIGS. 13A, 13B, and 13C illustrate a case where the financial product subscription system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial product subscription shown in FIG. 8). In the case where the financial product server 800 on the system is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (eg, the Internet) and performs a predetermined customer authentication procedure. Afterwards, when the client terminal transmits predetermined financial product subscription application information to the internet banking server in order to subscribe to the long-term financial product for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer, the client at the internet banking server Financial product subscription information including at least one information, financial product subscription information, customer mobile phone information Based on the implementation method for processing the subscription to the long-term financial products for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customers based on the present invention, those of ordinary skill in the art, this figure 13a and 13b Although various implementation methods of registering the financial product subscription information through other types of non-face-to-face financial transaction channels may be inferred by referring to and / or modifying the drawings 13c, the present invention includes all the implementation methods inferred from the above. The present invention is not limited to the embodiment shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a financial product subscription application information between the client terminal and an internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the technical field to which the present invention pertains. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C. Terminal and Internet Banking Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a financial product subscription application information between servers, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. 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 and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, Another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering financial product subscription information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 13A, 13B, and 13C.

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

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

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

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

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

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

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

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1325a), or if the terminal does not need to install and / or update the Internet banking security module (1315a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1330a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and is also provided to the server for registration of financial product subscription application information in the terminal. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and transmitted by at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method. A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm) and is also provided to the server for registration of financial product subscription application information in the terminal. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module performs an electronic signature attachment, and / or encryption, and / or decryption function for the information (or data) by using the certificate of the customer mounted in the terminal. It is done.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

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

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

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

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

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where Internet banking The underlying financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined financial product subscription application information for automatic replacement of a mobile phone for a long-term financial product subscription maintenance customer from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for automatically replacing the mobile phone for the long-term financial product subscription maintenance customer through the internet banking-based financial transaction channel (1300b), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) financial product subscription request information including at least one of customer information, financial product subscription information, and mobile phone information, and transmitting the same to the server; 1305b), the webpage including the generated (or extracted) user interface is transmitted to the terminal and output through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page comprises a user interface for inputting (or selecting) financial product subscription request information including at least one of customer information, financial product subscription information, and customer mobile phone information in the terminal. Preferably, and / or predetermined password and / or security card information (e.g., security issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the financial instrument subscription information. Generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution, such as the security card information printed on the card) and / or one time password (eg, an internet banking application process (or after an internet banking application)). Preferably a one-time password).

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the financial product subscription information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial product subscription application information including at least one of the customer information, the financial product subscription information, and the mobile phone information through the financial product subscription interface (1315b).

If the terminal receives (or selects) financial product subscription information including the customer information, the financial product subscription information, and the customer mobile phone information (1320b) through the user interface, the terminal transmits the information through the financial transaction channel. The input (or selected) financial product subscription request information is transmitted to the server (1325b).

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method) and financial product subscription request information including at least one of the customer information, financial product subscription information, and customer mobile phone information. And / or public key-based encryption, and / or electronic envelope-based encryption, and / or key exchange-based encryption, etc.), and / or attach a predetermined electronic signature to the financial instrument subscription information. It is preferable to transmit to the server by means, for which the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key , And / or the IC is installed in a predetermined IC chip (or IC card). That the card reader to verify the certificate provided in (or IC card) which is provided is preferable.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method) and financial product subscription request information including at least one of the customer information, financial product subscription information, and customer mobile phone information. And / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption, and the like, and transmits the encrypted data to the server through the network means. Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided It is preferable.

Thereafter, the server receives and reads the financial product subscription request information through the financial transaction channel to confirm the validity of the financial product subscription request information (1330b).

When the financial product subscription request information received through the information receiving unit 815 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the financial product subscription request information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial product subscription application information by comparing and authenticating the password received included in the financial product subscription application information and the password provided corresponding to the customer on the DBMS.

In addition, the validity confirmation of the financial product subscription application information, the information contained in the received financial product subscription application information, the customer cell phone information stored in the customer management D / B on the communication system associated with the financial product subscription system It is preferable to include a check that matches the subscriber information.

If the validity of the financial product subscription request information is not authenticated (1335b), the server generates a web page including predetermined financial product error information and transmits it to the terminal (1340b), and the long-term financial product subscription procedure Do not do it.

On the other hand, if the validity of the financial product subscription request information is authenticated (1335b), the server includes predetermined document content including at least one or more customer information, financial product subscription information, and customer mobile phone information including the financial product subscription request information. Generate a predetermined financial instrument electronic document including the document content (1345c).

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and the document content in the financial product subscription application information. After including at least one or more of the included customer information, financial product subscription information, customer mobile phone information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) A file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to process financial documents electronically.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one or more pieces of customer information, financial product subscription information, and mobile phone information included in the financial product subscription application information may be watermarked. After the inclusion, the image file including the image content including the watermarking is preferably processed as a financial product electronic document for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one or more pieces of customer information, financial product subscription information, and mobile phone information included in the financial product subscription application information may be watermarked. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including an image content including an image content including the watermarking; Generating a word processor file or a web document file including MHT) Maintain financial product subscription It is desirable to process financial product electronic documents for automatic replacement of mobile phones for customers.

Alternatively, the server generates document content including at least one of customer information, financial product subscription information, and customer mobile phone information included in the received financial product subscription application information, and captures the document content. (E.g., image content generated by capturing the document content on a memory) at least one or more pieces of customer information, financial product subscription information, and mobile phone information included in the financial product subscription application information may be watermarked. A document file (for example, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP) including an image content including the watermarking and the financial product subscription information; Word processor file containing at least one / DOC, etc., or web document file containing the MHT Etc.), it is preferable to process the financial product electronic document for automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer.

Thereafter, the server stores the generated financial instrument electronic document in a predetermined electronic document storage (1355c).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the financial product electronic document and the electronic document storage date and time information.

If the financial product electronic document is stored in the electronic document repository (1360c), the server responds to the long-term financial product based on the customer information, the financial product subscription information, and the customer mobile phone information included in the financial product subscription application information. Generates predetermined financial product management information (1365c).

If the long-term financial product is at least one fund-related product according to an embodiment of the present invention, the server is based on the customer information, financial product subscription information, customer mobile phone information included in the financial product subscription application information based on the long-term financial product It is preferable to generate beneficiary certificate information corresponding to the product (eg, a beneficiary certificate attribute including a predetermined securities number and an expected yield and subscription period corresponding to the fund).

Thereafter, the server is linked with the financial system 875 to include the financial product operation information based on the customer information, financial product subscription information, and customer mobile phone information included in the financial product subscription application information. Open and process a financial account (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in association with the financial system 875 (or a customer provided with matching customer information). Check the ledger), generate predetermined ledger information including the financial instrument operation information, and store the ledger information in a predetermined ledger associated with the customer ledger, Correspondingly, a predetermined financial account for the automatic replacement of the mobile phone for the long-term financial product subscription maintenance customer is opened.

Thereafter, the server includes the customer information, the financial product subscription information, the customer mobile phone information, the generated financial product operation information, and the financial account information generated by the financial account processor 840 included in the financial product subscription application information. The financial product subscription result information including at least one of the information is stored in a predetermined storage medium 885 (1375c).

According to another embodiment of the present invention, when the storage medium 885 is provided in the DBMS provided on the financial system 875, the server includes the customer information and the finance included in the received financial product subscription application information. Financial product registration information by providing the product subscription information, customer mobile phone information and financial product subscription result information including at least one or more of the financial product operation information and financial account information to the information system through the external system on the financial system 875. It is preferable to store in the DBMS provided in.

Thereafter, the server records predetermined financial product registration details (eg, a history of opening a financial account corresponding to the long-term financial product, and / or a history of storing the financial product electronic document in the electronic document repository, and / or The record storing the financial product subscription request information on the storage medium 885) is generated (or extracted) and transmitted to the terminal (1380c).

14 is a diagram illustrating a face-to-face financial product operating system for automatic replacement of a customer mobile phone associated with financial product operation according to an embodiment of the present invention.

In more detail, Figure 14 shows that a predetermined customer provides a customer information, a new mobile device information, a carrier subsidies information, a mobile phone for a mobile phone automatic replacement of a customer mobile phone linked to the financial product operation system through a predetermined mobile phone replacement request interface. When the mobile phone replacement request information including at least one replacement cost information is provided, it is checked whether the long-term financial product subscription for the mobile phone replacement is based on the provided mobile phone replacement request information to the financial product operation system, and the customer subscribes. The present invention relates to a system configuration for processing a mobile phone replacement by checking whether or not it is possible to process through revenue generated through a long-term financial product, and those of ordinary skill in the art to which the present invention pertains may refer to and / or see FIG. Automatic replacement of customer's mobile phone linked with financial product operation For would be able to infer a variety of exemplary methods for the instrument operating system configurations, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, on the financial product management system shown in FIG. 14, the mobile phone replacement request information is confirmed through a predetermined mobile phone replacement request interface and the mobile phone replacement request information provided from the customer is checked, and the customer subscribes. A component corresponding to at least one or more means and / or functional configurations for processing a mobile phone replacement by checking whether the revenue generated through a long-term financial instrument can be processed is referred to as a "financial instrument operation server 1400" for convenience. .

Referring to FIG. 14 according to an embodiment of the present invention, a financial product operating system for automatic replacement of a customer mobile phone associated with the financial product operation may include an employee terminal 1450 provided at at least one mobile carrier branch (or a branch). The employee terminal 1450 is connected to the financial product operating server 1400 provided on the financial product operating system through a predetermined communication network.

Here, the employee terminal 1450 may further include a teller terminal provided in at least one financial institution branch (or sales office), whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the customer visits the mobile carrier branch (or branch) for automatic replacement of the customer mobile phone associated with the financial product operation, and through the mobile carrier branch (or branch) (or the carrier) Through a staff member, provide a prescribed application for the automatic replacement of the customer's mobile phone associated with the operation of the financial product (e.g., a document with a form for filling in at least one information item for the automatic replacement of the customer's mobile phone associated with the financial product operation). After filling out and submitting the completed application to a communication company employee, the communication company employee inputs (or selects) information written in the application through a predetermined employee terminal 1450, and the employee terminal 1450 receives the input ( Or transmits the selected information to the financial product operation server 1400 provided on the financial product operation system through the financial network. Is recommended.

Here, in the case where the employee terminal 1450 is a teller terminal provided at a branch (or a branch) of a financial institution, the teller terminal preferably includes a manager terminal used by a teller provided at the branch of the financial institution. Preferably, the financial product operation server 1400 connected to the teller terminal includes a ledger server provided on the financial system.

In the financial product management system as described above, an application written by the customer and a communication network connecting the employee terminal 1450 and the employee terminal 1450 and the financial product operation server 1400 used by the telecommunication company employee are In order to automatically replace the customer's mobile phone associated with the operation of the financial product, the customer confirms whether to join the long-term financial product for the mobile phone replacement based on the mobile phone replacement request information, and through the revenue generated through the long-term financial product subscribed to by the customer It checks if it can be processed and performs the function of the mobile phone replacement request interface to handle mobile phone replacement.

The storage medium 1445 provided on the financial product operating system according to the present invention includes the customer information included in the mobile phone replacement request information provided from the employee terminal 1450, new mobile phone device information, carrier subsidies information, and a mobile phone. In order to check whether a long-term financial product subscription for mobile phone replacement is based on the replacement cost information, and to check whether or not it can be processed through the profit generated by the long-term financial product subscribed to by the customer, to process the mobile phone replacement, the drawing 1 Or at least one of the customer information, the financial product subscription information, the customer mobile phone information, the financial product operation information, and the financial account information included in the financial product subscription application information after the subscription processing is performed through the financial product subscription system shown in FIG. The financial product subscription result information is stored.

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

According to an embodiment of the present invention, the storage medium 1445 is preferably provided in a DBMS on a financial system provided on the financial product operating system (or linked with the financial product operating system). The storage medium 1445 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 1445 is provided with (or linked to) an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on the financial product operating system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial product operating server 1400 provided on the financial product operating system according to the present invention is a generic term for the financial product operating system-side components connected to the employee terminal 1450 through a predetermined communication network, and includes at least one or more. It may be implemented by including a server (or device), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

Here, when the employee terminal 1450 is a window terminal connected to a predetermined financial network, the financial product operation server 1400 is a ledger server provided on a financial system connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in the external system on the financial system, and / 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 financial product operation server 1400 includes an interface unit 1405 (or interface means) for connecting and managing a predetermined communication channel with the employee terminal 1450 through the communication network. Characterized in that made.

According to an embodiment of the present invention, the interface unit 1405 connects a predetermined communication channel with the employee terminal 1450 based on the protocol stack defined in the communication network, and is provided in the employee terminal 1450. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a mobile phone replacement related program.

According to another exemplary embodiment of the present invention, when the employee terminal 1450 is a window terminal connected to a predetermined communication network, the interface unit 1405 may select the window terminal and the predetermined window based on the 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) using a communication protocol defined in the financial transaction related program provided in the window terminal.

Referring to FIG. 14, the financial product operation server 1400 connects a communication channel with the financial product operation server 1400 through a predetermined employee terminal 1450 through the interface unit 1405. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined mobile phone replacement request information from the employee terminal 1450 and transmitting it to the employee terminal 1450 in association with the operation 1405. Receives predetermined mobile phone replacement request information transmitted (or selected) from the employee terminal 1450 through the user interface in cooperation with the providing unit 1410 (or the interface providing unit) and the interface unit 1405. And an information receiving unit 1415 (or information receiving means).

The interface providing unit 1410 is a function provided in the employee terminal 1450 after a predetermined employee terminal 1450 connects the communication channel with the financial product operation server 1400 through the interface unit 1405. In response to the configuration, a predetermined user interface capable of inputting (or selecting) the mobile phone replacement request information to be transmitted to the financial product operation server 1400 through the communication network, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 1405 to the employee terminal 1450 through the communication network.

According to an exemplary embodiment of the present invention, the employee terminal 1450 may input (or select) the mobile phone replacement request information and transmit the information to the financial product operation server 1400 through the communication network. When the mobile phone replacement request program is provided, the interface providing unit 1410 for providing the user interface to the employee terminal 1450 may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal 1450 inputs (or selects) mobile phone replacement request information including at least one of the customer information, new mobile phone device information, telecommunications subsidies, and mobile phone replacement cost information based on the user interface. The input (or selected) mobile phone replacement request information is transmitted to the financial product operation server 1400 through the communication network.

Here, when the employee terminal 1450 is a window terminal connected to a predetermined communication network, the interface providing unit 1410 generates (or extracts) a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. In addition, the user interface generated through the interface unit 1405 (or extracted) may be provided to the window terminal.

The information receiving unit 1415 inputs (or selects) mobile phone replacement request information including at least one of customer information, new mobile phone device information, telecommunications subsidies, and mobile phone replacement cost information through the user interface in the employee terminal 1450. When the transmission is performed through the communication network, the mobile phone replacement request information is received in association with the interface unit 1405.

Referring to FIG. 14, the financial product operation server 1400 includes a validity confirming unit (or validity confirming means) for confirming validity of mobile phone replacement request information received through the information receiving unit 1415. It is done.

According to the method of the present invention, at least one or more ledger information matching the mobile phone replacement request information is registered in the ledger D / B on the financial system associated with the financial product management system to verify the validity of the mobile phone replacement request information It is preferable to include checking whether there is.

For example, the validation of the mobile phone replacement request information may be performed to determine whether the customer information among the information included in the mobile phone replacement request information matches the customer ledger stored in the ledger D / B on the financial system linked to the financial product operation system. It is preferable to include what is included.

According to an embodiment of the present invention, the validity check of the mobile phone replacement request information is registered at least one or more information matching the mobile phone replacement request information in the device management D / B on the mobile communication system associated with the financial product operation system It is preferable to include checking whether it is done.

For example, the validity check of the mobile phone replacement request information may include a new mobile phone device (ie, a mobile device) of which the new mobile phone device information of the information included in the mobile phone replacement request information is actually valid through a mobile communication company system connected to the financial product operation system. And a mobile phone device capable of subscribing to a telecommunication company.

In addition, the validity check of the mobile phone replacement request information is to determine whether the mobile operator subsidiary information of the information contained in the mobile phone replacement request information is matched with the mobile carrier subsidiary information to be provided through the mobile communication system associated with the financial product operation system It is preferable to check, and the carrier subsidies information may be omitted according to the intention and purpose of those skilled in the art.

Referring to FIG. 14, the financial product operation server 1400 is a long-term target for a target customer who will automatically replace a customer's mobile phone associated with financial product operation based on the validated (or received) mobile phone replacement request information. The financial information confirmation unit 1420 (or financial information confirmation means) for confirming whether or not to subscribe to a financial product, and if the customer is identified as a target customer for automatic replacement of the customer's mobile phone associated with the operation of the financial product, can be replaced with the customer. Checking unit 1425 (or replaceable confirmation means), and if it is determined that the replacement is possible, based on the received mobile phone replacement request information to the mobile phone company that will automatically replace the customer mobile phone (or branch) to settle the cost of mobile phone replacement The settlement processing unit 1430 (or settlement processing means) for processing, and the information providing unit 1440 for providing the settlement processing result through the employee terminal 1450 ( It is characterized by comprising a means for information).

The financial information checking unit 1420 confirms whether to subscribe to a long-term financial product for the target customer who will automatically replace the customer mobile phone associated with the operation of the financial product based on the validated (or received) mobile phone replacement request information. Characterized in that.

According to the method of the present invention, whether the long-term financial product subscription to the target customer who will provide the customer mobile phone automatic replacement service associated with the operation of the financial product, the customer information of the information contained in the received mobile phone replacement request information It is desirable to request the confirmation whether the customer is subscribed to a long-term financial product to provide a mobile phone replacement service automatically linked to the operation of the financial product among the financial products held by the customer by sending to the financial institution server, it is preferable to receive it.

If the customer is identified as a customer who has subscribed to a long-term financial product for providing a mobile phone automatic replacement service linked to the operation of the financial product, the fund information for the mobile phone replacement currently available to the customer (that is, the customer It is preferable to further include a replacement cost that can be provided through revenue generated through long-term financial products to provide an automatic replacement service for customers' mobile phones linked to the operation of their financial products.

When it is confirmed through the financial information confirmation unit 1420 that the customer has subscribed to a long-term financial product to provide a mobile phone automatic replacement service associated with the operation of the financial product among the financial products held by the customer, the replaceable confirmation unit 1425 ) Is to check whether the customer can be replaced for a new mobile device.

According to the method of the present invention, whether the customer can replace the desired new mobile device can be provided to the customer based on a financial product providing an automatic replacement service of the customer mobile phone linked to the operation of the financial product held by the customer. It is preferable to check whether the maximum support money information and the confirmed maximum support money information is greater than or equal to the replacement cost for the new mobile phone device desired by the customer, so that the new mobile phone device desired by the customer can be replaced. .

Here, when checking whether the replacement of the new mobile phone device is possible, a process of confirming, in connection with a mobile communication company server, a mobile telecommunication company subsidies for the mobile phone to be replaced by the customer may be further included.

In addition, the mobile carrier subsidies may be differentially priced according to the type of mobile phone device, differentially priced according to the customer grade, or differentially priced or fixedly determined according to a rate plan selected or changed by the customer.

When it is confirmed that the customer can replace the mobile device through the replaceable check unit 1425, the settlement processing unit 1430 may automatically replace the customer mobile phone based on the received mobile phone replacement request information. (Or a sales office) to settle a mobile phone replacement cost, and the information providing unit 1440 has a mobile phone replacement result of the customer according to the mobile phone replacement cost settlement processing provided in the mobile communication company branch (or branch) To the employee terminal 1450 (or customer mobile phone, etc.).

According to an exemplary embodiment of the present invention, the settlement processing for the mobile phone replacement cost may include a portion (or the total amount) of the remaining amount excluding the subsidies provided by the confirmed mobile telecommunication company from the total cost for the mobile device desired by the customer. Financial accounts (ie, settlement accounts) of the carrier's branch (or branch) visited by the customer within the scope of support available through long-term financial products to provide automatic replacement service for the customer's mobile phone in connection with the operation of the customer's financial products. It is preferable to process the deposit to the financial account (ie, settlement account) of the mobile communication company to which the customer wants to join.

Here, the remaining amount of the total cost for the mobile device except for the subsidies provided by the identified mobile telecommunication company is preferably settled according to the settlement ratio promised between the financial institution and the telecommunication company.

In addition, the settlement processing for the mobile phone replacement cost may be performed in real time, or may be settled for each unit period, it is preferable to store the information for the settlement process in the storage medium 1445 for the settlement process for each unit period.

If the customer requests the termination of the financial product for the automatic replacement of the customer's mobile phone associated with the operation of the financial product held by the customer, after confirming the time point to satisfy the mobile phone replacement cost for the financial product held by the customer, It is preferable to settle the settlement amount generated due to the termination of mobile phone replacement costs.

For example, if the customer requests cancellation of the financial product for automatic replacement of the customer's mobile phone associated with the operation of the financial product held by the customer, and the customer has not changed the mobile phone, the profit generated through the financial product held by the customer In addition, it is possible to provide additional revenue not provided by not replacing the mobile phone.

In addition, if the customer requested the cancellation of the financial product for the automatic replacement of the customer mobile phone associated with the operation of the financial product held by the customer, and if the customer has replaced the mobile phone, the revenue generated through the financial products held by the customer It is possible to calculate and deduct the insufficient amount of the replacement cost of the mobile phone, and then provide it to the customer.

Referring to FIG. 14, the financial product operation server 1400 has a long-term financial product for providing an automatic replacement service for a customer mobile phone associated with financial product operation managed / operated through the financial product operation server 1400. Target information checking unit 1435 (or target information checking means) for checking the target to replace the customer's mobile phone with the latest type of the customer through the long-term financial products of the above customer, and to replace the mobile phone of the customer When the target customer is confirmed, the customer is provided with an information providing unit 1440 (or information providing means) for notifying the customer can replace the latest mobile phone is characterized in that it is made.

The target information verification unit 1435 is one or more customers capable of automatically replacing the customer mobile phone associated with the operation of the financial product among the one or more long-term financial products subscribed through the financial product subscription system shown in Figure 1 or 8 1 And confirming the second and second target customers who can replace the customer's mobile phone with the latest type through the revenue generated through the long-term financial products held by the customer among the one or more identified customers.

According to an embodiment of the present invention, at least one customer confirmation capable of automatically replacing a customer mobile phone associated with financial product operation is one or more long-term financial products subscribed through the financial product subscription system shown in FIG. Customer linked to the operation of financial products It is desirable to check the customer subscribed to the financial product for the automatic mobile phone replacement service, for this purpose, the customer associated with the financial product operation of the subscription processing details processed through the financial product subscription system It is possible to build / manage a database of customers who subscribe to long-term financial products for automatic phone replacement.

In addition, in order to replace the mobile phone of the customer to the latest type, it is preferable to receive the mobile phone information from the mobile communication company server (or administrator / manager, etc.) and store it in the storage medium 1445, and then use it.

In this case, the received mobile phone information may include a mobile phone device price, a subsidy that can be provided (when differentially provided according to the mobile phone device), a mobile phone device name / model name, and the like.

When the target customer who can replace the customer's mobile phone with the latest type is confirmed through the target information checking unit 1435, the information providing unit 1440 replaces the mobile phone through the mobile phone (or designated communication means, etc.) of the identified target customer. It is characterized by providing the availability.

Here, when providing whether to replace the mobile phone through the customer's mobile phone (or designated communication means), it is possible to provide more than one latest mobile phone information that the customer can replace.

In more detail, in FIG. 15, the financial product operating server on the financial product operating system shown in FIG. 14 is connected to the financial product operating server 1400 by the employee terminal 1450 through a predetermined communication network. After connecting the communication channel for automatic replacement of the customer mobile phone associated with the product operation, the customer information, new mobile phone device information, carrier subsidies information, mobile phone replacement cost information to the financial product operation server 1400 through the communication channel When the mobile phone replacement request information including the transmission, the financial product operation server 1400 checks whether the long-term financial product subscription for the mobile phone replacement based on the provided mobile phone replacement request information, the long-term finance that the customer subscribed It shows the process of processing the replacement of the mobile phone by checking whether it can be processed by the revenue generated through the product. Those skilled in the art to which the present invention pertains can refer to various examples of the process of automatically replacing a customer's mobile phone associated with financial product operation by referring to and / or modifying this drawing. The present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 15, the employee terminal 1450 illustrated in FIG. 14 is referred to as a “terminal” for convenience, and the financial product operation server 1400 illustrated in FIG. 14 is referred to as a “server” for convenience. The customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information transmitted from the financial product operation server 1400 at 1450 are referred to as "mobile phone replacement request information" for convenience.

Referring to FIG. 15, when the terminal shown in FIG. 14 accesses the server through a predetermined communication network and requests an automatic replacement of a customer mobile phone associated with the operation of a financial product based on the mobile phone replacement request information (1500), The server generates (or extracts) a predetermined mobile phone replacement request interface for inputting (or selecting) the mobile phone replacement request information (1505), and the mobile phone replacement request interface generated through the communication channel is recalled. The transmission is output to the terminal (1510).

According to an embodiment of the present invention, the mobile phone replacement request interface inputs (or selects) mobile phone replacement request information including at least one of the customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information at the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) mobile phone replacement request information including at least one or more customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information through the mobile phone replacement request interface (1515).

If the terminal inputs (or selects) mobile phone replacement request information including the customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information through the mobile phone replacement request interface (1520), the terminal receives the The mobile phone replacement request information including the input (or selected) customer information, new mobile phone device information, telecommunications company subsidy information, and mobile phone replacement cost information is transmitted to the server through the communication network (1525).

Thereafter, the server receives and reads the customer information, the new mobile phone device information, the telecommunications company subsidy information, and the mobile phone replacement cost information through the communication network to confirm the validity of the mobile phone replacement request information (1530).

For example, the validity confirmation of the mobile phone replacement request information includes a new mobile phone device (ie, new mobile phone device information that is actually valid through a mobile communication company system connected to the financial product operation system among the information included in the mobile phone replacement request information). Preferably a mobile phone device capable of subscribing to a mobile communication company.

If the validity of the mobile phone replacement request information is not authenticated (1535), the server generates (or extracts) validation error information of the received mobile phone replacement request information and transmits it to the terminal (1540). Do not perform processing corresponding to mobile phone replacement request information.

On the other hand, if the validity of the mobile phone replacement request information is authenticated (1535), the server checks whether to subscribe to the financial product for automatic replacement of the customer mobile phone associated with the operation of the financial product based on the received mobile phone replacement request information (1545). ).

In response to the received mobile phone replacement request information, if it is not confirmed that the customer has subscribed to the financial product for automatic replacement of the customer mobile phone associated with the operation of the financial product (1550), the server receives the received mobile phone replacement request information. In response, the customer generates (or extracts) error information about the long-term financial product and transmits the error information to the terminal (1555).

On the other hand, when it is confirmed in response to the received mobile phone replacement request information that the customer has subscribed to the financial product for the automatic replacement of the customer mobile phone associated with the operation of the financial product (1550), the server receives the received mobile phone replacement request information The mobile phone replacement cost is settled based on the processing (1560) and the processing result for the received mobile phone replacement request information is transmitted to the terminal for processing (1565).

According to the method of the present invention, whether the customer can replace the desired new mobile device can be provided to the customer based on a financial product providing an automatic replacement service of the customer mobile phone linked to the operation of the financial product held by the customer. It is preferable to check whether the maximum support money information and the confirmed maximum support money information is greater than or equal to the replacement cost for the new mobile phone device desired by the customer, so that the new mobile phone device desired by the customer can be replaced.

In more detail, Figure 16 shows that a predetermined customer has a customer information, a new mobile device information, a carrier subsidy information, a mobile phone for a mobile phone automatic replacement of a customer mobile phone linked to the financial product operation system through a predetermined mobile phone replacement request interface. When the mobile phone replacement request information including at least one replacement cost information is provided, it is checked whether the long-term financial product subscription for mobile phone replacement is based on the provided mobile phone replacement request information to the financial product operation system, and the customer subscribes. As a system configuration for processing a mobile phone replacement by checking whether it is possible to process through the revenue generated through a long-term financial products, if you have ordinary knowledge in the technical field to which the present invention pertains, see FIG. Or change the customer's mobile phone automatically linked to financial product operation For would be able to infer a variety of exemplary methods for the instrument operating system configurations, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 16.

Hereinafter, on the financial product management system shown in FIG. 16, the mobile phone replacement request information is confirmed through the predetermined mobile phone replacement request interface and the mobile phone replacement request information provided from the customer is checked, and the customer subscribes. A component corresponding to at least one or more means and / or functional configurations for processing a mobile phone replacement by checking whether the revenue generated through a long-term financial instrument can be processed is referred to as "the financial product operation server 1600" for convenience. .

Referring to FIG. 16 according to an embodiment of the present invention, a financial product operating system for automatic replacement of a customer mobile phone associated with the financial product operation includes a client including at least one wired terminal and / or wireless terminal used by a customer. And a customer terminal including at least one terminal or the like, wherein the customer terminal is connected to a financial product operation server 1600 provided on the financial product operation system through a predetermined communication network. .

According to an embodiment of the present invention, the customer connects to the financial product operation server 1600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. In response to inputting (or selecting) mobile phone replacement request information for automatic replacement of a customer mobile phone associated with the financial product operation through at least one user interface provided by the financial product operation server 1600, the client terminal may provide a predetermined information. It is preferable to transmit to the financial product operating server 1600 provided on the financial product operating system through a communication network.

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 includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless A wireless data communication terminal connected to the emitter, such as communication network preferably comprises at least one.

In addition, the financial product operation server 1600 connected to the client terminal is any one of an Internet banking server and / or a wireless banking server and / or a tele banking server and / or TV banking server according to the characteristics of the client terminal and the communication network. And / or preferably comprises a separate web server for the information registration.

In addition, the communication network connecting the client terminal and the financial product operation server 1600 may be a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication network to which the client terminal is connected. Mobitex-based wireless data communication network, and / or preferably comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial product operation server 1600, and inputs and / or selects at least one or more information through the user interface to the financial product operation server 1600 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial product operation server 1600, etc.) for transmitting to the network is provided.

In the financial product management system as described above, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the financial product operation server 1600. The communication network and / or the wireless communication network performs a function of a mobile phone replacement request interface for registering the mobile phone replacement request information for the customer mobile phone automatic replacement associated with the financial product operation.

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

In the financial product management system as described above, when the customer terminal is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the financial product operation server 1600 The network connects the mobile phone performs a function of a mobile phone replacement request interface for registering the mobile phone replacement request information for the customer mobile phone automatic replacement associated with the financial product operation, and / or the customer terminal is the call In case of a terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial product operation server 1600 may be used by the customer. Performs a function of the mobile phone replacement request interface for registering mobile phone replacement request information for automatic mobile phone replacement of the customer associated with the operation, and / or In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the customer terminal, the terminal (and / or server) (not shown) and the terminal (and / or server) ( The network connecting the financial product management server 1600 performs a function of a mobile phone replacement request interface for registering the mobile phone replacement request information for the customer mobile phone automatic replacement associated with the financial product operation. .

The storage medium 1645 provided on the financial product operating system according to the present invention includes the customer information included in the mobile phone replacement request information provided from the customer terminal, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information. In order to check whether the long-term financial products for mobile phone replacement based on the subscription, and whether the customer can process through the revenue generated through the long-term financial products subscribed to handle the mobile phone replacement, the drawing 1 or 8 Finance including at least one of the customer information, financial product subscription information, customer mobile phone information, the financial product operation information, financial account information included in the financial product subscription application information after the subscription processing through the financial product subscription system shown in The product subscription result information is stored.

In addition, the financial product management information further comprises a predetermined financial product name corresponding to the long-term financial product, the various additional attributes of the financial product and financial product basic information including the financial product management institution, or When the financial product is an investment-based financial product, it is preferable that the financial product further includes the financial product investment target information, the financial product investment amount information, and the like.

According to another exemplary embodiment of the present invention, if the long-term financial product is at least one deposit / saving product, the financial account information is a financial account for managing the deposit / saving corresponding to the financial product operation information. It is preferable that the deposit / storage amount is deposited, and the account attribute includes the deposit / storage attribute.

According to an exemplary embodiment of the present invention, the storage medium 1645 may be provided in a DBMS on a financial system provided on the financial product operating system (or linked with the financial product operating system). The storage medium 1645 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1645 may include an internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the financial product operating system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial product operating server 1600 provided on the financial product operating system according to the present invention is a generic term for the financial product operating system side components connected to the customer terminal through a predetermined communication network, and includes at least one server (or Device) and / or 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 customer terminal is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial product operation server 1600 may be connected to the Internet. Any server (or device) provided with a predetermined internet banking server provided on a banking system, and / or a program provided with the internet banking server, and / or accessible to the outside world of the financial system through the internet banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the Internet banking server (and / or the server (or device)). Or / or a program provided to the external world on the financial system, whereby the present invention is limited. Not.

According to another exemplary embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial product operation server 1600 is connected to the wireless banking system. A predetermined wireless banking server, and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), and / Or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the financial product operation server 1600 is connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited The.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the financial product operation server 1600 is the TV banking system. Any server (or device) provided on the TV banking server and / or a program provided on the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial product operation server 1600 includes an interface unit 1605 (or interface means) for connecting and managing a predetermined communication channel with the customer terminal through the communication network. It is done.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1605 may implement a protocol stack defined in the wired communication network and / or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1605 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial product operation server 1600, the interface unit 1605 may be connected to the client terminal based on the TCP / IP 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 customer terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1605 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 terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 1605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial product operation server 1600, the interface unit 1605 is based on the CDMA protocol. And a communication channel and provide 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 customer terminal is a financial automation device connected to a predetermined financial network, the interface unit 1605 may be configured to be based on the financial automation device 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 and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1605 may be connected to the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1605 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 16, the financial product operation server 1600 connects a communication channel with the financial product operation server 1600 through the interface unit 1605 and then the interface unit 1605. Interface providing unit 1610 (or interface) that generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined mobile phone replacement request information from the client terminal to the client terminal. Providing means) and an information receiving unit 1615 (or an information receiving means) for receiving predetermined mobile phone replacement request information transmitted (or selected) from the user terminal through the user interface in cooperation with the interface unit 1605. It is characterized by consisting of).

The interface providing unit 1610 connects a communication channel with the financial product operation server 1600 through the interface unit 1605, and then the mobile phone corresponding to the functional configuration provided in the customer terminal. Create a predetermined user interface capable of inputting (or selecting) replacement request information and transmitting it to the financial product operation server 1600 through the communication network, and / or extracting from a predetermined database (not shown), and the interface The user interface may be provided to the customer terminal through the communication network through the communication network.

Thereafter, the customer terminal inputs (or selects) mobile phone replacement request information including at least one of the customer information, the new mobile phone device information, the telecommunications company subsidy information, and the mobile phone replacement cost information based on the user interface. Or the selected) mobile phone replacement request information is transmitted to the financial product operation server 1600 through the financial network.

According to an embodiment of the present invention, when the customer terminal is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1610 is the client terminal. Generating (or extracting) a predetermined user interface that can be provided by a browser program and / or a communication program provided in the apparatus, and providing the generated (or extracted) user interface to the client terminal through the interface unit 1605. desirable.

According to another exemplary embodiment of the present invention, when the customer terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1610 may provide a predetermined financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 1605.

According to another exemplary embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1610 may include a browser program and / or provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1605.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1610 is provided to the call terminal (not shown). Generate (or extract) a predetermined user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1605. It is preferable.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 1610 is provided to the wired terminal (or two-way digital TV). It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1605.

According to another embodiment of the present invention, predetermined information having at least one user interface for inputting (or selecting) the mobile phone replacement request information to the customer terminal and transmitting the mobile phone replacement request information to the financial product operation server 1600 through the communication network. When the registration program is provided, the interface providing unit 1610 that provides the user interface to the customer terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 1615 inputs (or selects) mobile phone replacement request information including at least one of customer information, new mobile phone device information, telecommunications company subsidy information, and mobile phone replacement cost information through the user interface at the customer terminal. When transmitting through a communication network, it is characterized in that for receiving the mobile phone replacement request information in conjunction with the interface unit 1605.

Referring to FIG. 16, the financial product operation server 1600 includes a validity confirming unit (or validity confirming means) for confirming validity of mobile phone replacement request information received through the information receiving unit 1615. It is done.

Referring to FIG. 16, the financial product operation server 1600 is a long-term target for a target customer who will automatically replace a customer mobile phone associated with financial product operation based on the validated (or received) mobile phone replacement request information. The financial information confirmation unit 1620 (or financial information checking means) for confirming whether or not to subscribe to a financial product, and if the customer is identified as a target customer for automatic replacement of the customer's mobile phone associated with the operation of the financial product, the customer can be replaced. Checking unit 1625 (or replaceable confirmation means), and if it is determined that the replacement is possible, based on the received mobile phone replacement request information to the mobile phone company (or sales office) that will automatically replace the customer mobile phone to settle the cost Settlement processing unit 1630 (or settlement processing means) for processing, and information providing unit 1640 (or providing the settlement processing result through the customer terminal) (or Information providing means).

The financial information verification unit 1620 confirms whether the long-term financial product subscription to the target customer for the automatic replacement of the customer mobile phone associated with the operation of the financial product based on the validated (or received) mobile phone replacement request information Characterized in that.

According to the method of the present invention, whether the long-term financial product subscription to the target customer who will provide the customer mobile phone automatic replacement service associated with the operation of the financial product, the customer information of the information contained in the received mobile phone replacement request information It is preferable to send a request to the financial institution server to check whether or not the financial product held by the customer is subscribed to a long-term financial product for providing an automatic replacement service for the customer mobile phone linked to the operation of the financial product. .

When it is confirmed through the financial information checking unit 1620 that the customer has subscribed to a long-term financial product for providing a mobile phone automatic replacement service associated with the operation of the financial product among the financial products held by the customer, the replaceable confirmation unit 1625 ) Is to check whether the customer can be replaced for a new mobile device.

If it is confirmed that the customer can be replaced with the desired mobile device through the replaceable check unit 1625, the settlement processing unit 1630 is a mobile carrier point to automatically replace the customer mobile phone based on the received mobile phone replacement request information Characterized in that the processing of the mobile phone replacement cost (or sales office), and through the information providing unit 1640 provides the mobile phone replacement result of the customer according to the mobile phone replacement cost settlement processing to the customer terminal.

According to an exemplary embodiment of the present invention, the settlement processing for the mobile phone replacement cost may include a portion (or the total amount) of the remaining amount excluding the subsidies provided by the confirmed mobile telecommunication company from the total cost for the mobile device desired by the customer. Financial accounts (ie, settlement accounts) of the carrier's branch (or branch) visited by the customer within the range of support available through long-term financial products to provide automatic replacement service for the customer's mobile phone linked to the operation of the customer's financial products. It is preferable to process the deposit to the financial account (ie, settlement account) of the mobile communication company to which the customer wants to join.

In addition, the settlement processing for the mobile phone replacement cost may be performed in real time, or may be settled for each unit period, it is preferable to store the information for the settlement process in the storage medium 1645 for the settlement process for each unit period.

For example, if the customer requests cancellation of the financial product for automatic replacement of the customer's mobile phone associated with the operation of the financial product held by the customer, and the customer has not changed the mobile phone, the profit generated through the financial product held by the customer In addition, it is possible to provide additional revenue not provided by the mobile phone replacement.

Referring to FIG. 16, the financial product operation server 1600 has a long-term financial product for providing an automatic replacement service for a customer mobile phone associated with a financial product operation managed / operated through the financial product operation server 1600. Target information checking unit (1635) (or target information checking means) to check the target to replace the customer's mobile phone to the latest through the long-term financial products held by the customer among the above customers, and to replace the mobile phone of the customer If the target customer is confirmed, the customer is provided with an information providing unit 1640 (or information providing means) for notifying whether the replacement is possible to the latest mobile phone is characterized in that it is made.

The target information checking unit 1635 is one or more customers capable of automatically replacing the customer mobile phone associated with the operation of the financial product among the one or more long-term financial products subscribed through the financial product subscription system shown in Figure 1 or 8 1 And confirming the second and second target customers who can replace the customer's mobile phone with the latest one through the revenue generated through the long-term financial products held by the customer among the one or more identified customers.

In addition, in order to replace the customer's mobile phone to the latest type, it is preferable to receive the mobile phone information from the mobile communication company server (or administrator / manager, etc.) and store it in the storage medium 1645, and then use it.

When the target customer who can replace the customer's mobile phone with the latest type is confirmed through the target information checking unit 1635, the information providing unit 1640 replaces the mobile phone through the mobile phone (or designated communication means, etc.) of the identified target customer. It is characterized by providing the availability.

In more detail, in FIG. 17, a financial product operating server on the financial product operating system shown in FIG. 16 is connected to the financial product operating server 1600 by a client terminal connected to the financial product operating server 1600 through a predetermined communication network. After connecting the communication channel for automatic replacement of the associated customer mobile phone, the financial product operation server 1600 through the communication channel including the customer information, new mobile phone device information, carrier subsidies information, mobile phone replacement cost information When the mobile phone replacement request information is transmitted, the financial product operation server 1600 confirms whether the long-term financial product subscription for mobile phone replacement based on the provided mobile phone replacement request information, and through the long-term financial products subscribed to the customer It shows the process of processing mobile phone replacement by checking whether it can be processed by the revenue generated. One of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16 to infer various implementation methods for the process of automatically replacing a customer mobile phone associated with financial product operation. It includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 17, the customer terminal illustrated in FIG. 16 is referred to as a “terminal” for convenience, and the financial product operation server 1600 illustrated in FIG. 16 is referred to as a “server” for convenience. The customer information, new mobile device information, carrier subsidies information, and mobile phone replacement cost information transmitted to the product operation server 1600 are referred to as "mobile phone replacement request information" for convenience.

Referring to FIG. 17, the client terminal illustrated in FIG. 16 is a predetermined communication network (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, a CDMA based mobile communication network). And / or connects a predetermined communication channel for registering the mobile phone replacement request information by connecting to the server through an IEEE 802.16x based mobile Internet, etc., and requesting automatic replacement of a customer mobile phone associated with the financial product operation. 1700, the server generates (or extracts) a web page corresponding to a predetermined mobile phone replacement request interface for processing the mobile phone replacement request information (1705), and the web page generated (or extracted) through the communication channel. In operation 1710, the terminal transmits the same to the terminal and outputs the same.

In addition, the web page transmission and / or output process is preferably performed at least once according to the mobile phone replacement request information registration procedure, whereby the present invention is not limited.

According to an embodiment of the present invention, a predetermined mobile phone replacement having at least one user interface for inputting (or selecting) the mobile phone replacement request information to the customer terminal and transmitting the mobile phone replacement request information to the financial product operation server 1600 through the communication network. When the request program is provided, the interface providing unit 1610 that provides the user interface to the customer terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the customer terminal inputs (or selects) mobile phone replacement request information including at least one of the customer information, the new mobile phone device information, the telecommunications company subsidy information, and the mobile phone replacement cost information based on the user interface. Or the selected) mobile phone replacement request information is transmitted to the financial product operation server 1600 through the communication network.

Thereafter, the terminal inputs (or selects) mobile phone replacement request information including at least one or more customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information through the mobile phone replacement request interface (1715).

If the terminal inputs (or selects) mobile phone replacement request information including the customer information, new mobile phone device information, carrier subsidy information, and mobile phone replacement cost information through the mobile phone replacement request interface (1720), the terminal receives the The input (or selected) customer information, new mobile device information, carrier subsidies information, and mobile phone replacement cost information are transmitted to the server through the communication channel (1725).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information to the server through the communication channel may include the mobile phone replacement request interface. The mobile phone replacement request information input (or selected) through the security module provided in the terminal may be further comprises a digital signature and / or encryption to transmit to the server.

Thereafter, the server receives and reads the customer information, the new mobile phone device information, the telecommunications company subsidy information, and the mobile phone replacement cost information through the communication channel to confirm the validity of the mobile phone replacement request information (1730).

According to the method of the present invention, checking the validity of the mobile phone replacement request information, the mobile phone replacement request information when the electronic signature and / or encrypted through the security module provided in the terminal, the mobile phone replacement request information And decrypting the mobile phone replacement request information.

If the validity of the mobile phone replacement request information is not authenticated (1735), the server generates (or extracts) validation error information of the received mobile phone replacement request information and transmits it to the terminal (1740). Do not perform processing corresponding to mobile phone replacement request information.

On the other hand, if the validity of the mobile phone replacement request information is authenticated (1735), the server checks whether to subscribe to the financial product for automatic replacement of the customer mobile phone associated with the operation of the financial product based on the received mobile phone replacement request information (1745). ).

If, in response to the received mobile phone replacement request information is not confirmed that the customer has subscribed to the financial product for the automatic replacement of the customer mobile phone associated with the operation of the financial product (1750), the server is the received mobile phone replacement request information In response, the customer generates (or extracts) error information about the long-term financial product and transmits the error information to the terminal (1755).

On the other hand, when it is confirmed in response to the received mobile phone replacement request information that the customer subscribes to the financial product for automatic replacement of the customer mobile phone associated with the operation of the financial product (1750), the server receives the received mobile phone replacement request information The mobile phone replacement cost is settled based on the processing (1760), and the processing result of the received mobile phone replacement request information is transmitted to the terminal for processing (1765).

In addition, if the customer requested the cancellation of the financial product for the automatic replacement of the customer mobile phone associated with the operation of the financial product held by the customer, and if the customer has replaced the mobile phone, the revenue generated through the financial products held by the customer It is possible to calculate and subtract the insufficient amount of the mobile phone replacement cost from the principal and provide it to the customer.

18A and 18B illustrate a process of processing mobile phone replacement request information in a non-face-to-face manner for automatically replacing a customer mobile phone associated with financial product operation according to another embodiment of the present invention.

In more detail, FIGS. 18A and 18B illustrate a case in which the financial instrument operating system illustrated in FIG. 16 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal receives predetermined mobile phone replacement request information for automatic replacement of a customer mobile phone associated with financial product operation. When the mobile phone replacement request information including the customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information is transmitted to a server, the financial product operation server 1600 is included in the received mobile phone replacement request information. Customer information, new mobile device information, carrier subsidies, An embodiment of the present invention relates to an embodiment of the present invention. The present invention relates to an embodiment of the present invention. The present invention relates to an embodiment of the present invention. In various embodiments of the present invention, it may be inferred from the financial product operation server 1600 to register the mobile phone replacement request information. However, the present invention includes all the inferred implementation methods, which are illustrated in FIGS. 18A and 18B. It is not limited to implementation method.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 18A and 18B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the mobile phone replacement request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, 18a and 18b refer to and / or modify an internet banking-based financial transaction channel connection method using a browser program, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. cellphone Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering body request information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, and thereby the present invention. This is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modified the Internet banking-based financial transaction channel connection method shown in Figures 18a and 18b, a telebanking system And / or a method of connecting a non-facing channel-based financial transaction channel for registering a mobile phone replacement request information in another banking system such as a wireless banking system and / or a TV banking system, the present invention may infer the telebanking. It includes all types of non-face-to-face channel based financial transactions including systems and / or wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in Fig. 18B.

18A and 18B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial product operation server 1600 is referred to as " server "

18A and 18B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1800a), the server communicates between the terminal and the server through the browser. (1805a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal to the terminal and transmitted to the terminal, and the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1810a).

If a predetermined security module is to be mounted and / or updated in the terminal (1815a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1820a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1825a), or if the terminal does not need to install and / or update the Internet banking security module (1815a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1830a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for mobile phone replacement request information registration in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption 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) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for mobile phone replacement request information registration in the terminal. Attach a predetermined electronic signature to information (or data) to be performed and / or at least one Encrypting and transmitting using an encryption method (and / or an encryption algorithm) on the server, the server verifies the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1835a).

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1840a), the server (and / or authentication server) authenticates a 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. (1845a).

If the Internet banking customer authentication fails (1850a), the server blocks the Internet banking security channel for the terminal (1855a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1850a), 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 (1860a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined mobile phone replacement request information for automatic replacement of a customer mobile phone associated with financial product operation from the terminal to the server.

Subsequently, when the terminal requests the internet banking-based mobile phone replacement request information processing from the server through the inter-banking-based financial transaction channel to register the mobile phone replacement request information (1800b), the server processes the mobile phone replacement request information. Generate (or extract) a webpage corresponding to a predetermined mobile phone replacement request interface (1805b), and transmit and output the generated (or extracted) webpage to the terminal through the internet banking-based financial transaction channel; (1810b).

According to an embodiment of the present invention, the mobile phone replacement request interface inputs (or selects) mobile phone replacement request information including at least one of customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information. It is preferable to include an interface, and / or a predetermined password (e.g. account password, etc.) to confirm the validity of the Internet banking customer requesting registration of the mobile phone replacement request information and / or the mobile phone replacement request information. And / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or a One Time Password (e.g., an internet banking application process (or after an internet banking application)) A one-time use generated by an OTP authenticator (or OTP certification program) provided to a customer by It further comprises an interface for inputting the password) is preferred.

Thereafter, the terminal inputs (or selects) mobile phone replacement request information including at least one of the customer information, new mobile phone device information, telecommunications subsidy information, and mobile phone replacement cost information through the mobile phone replacement request interface (1815b).

If the terminal inputs (or selects) mobile phone replacement request information including the customer information, new mobile phone device information, carrier subsidies information, and mobile phone replacement cost information through the mobile phone replacement request interface (1820b), the terminal receives the The mobile phone replacement request information input through the financial transaction channel is transmitted to the server (1825b).

According to the exemplary embodiment of the present invention, the mobile phone replacement request information transmitted through the financial transaction channel to the server may include mobile phone replacement request information input (or selected) through the mobile phone replacement request interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server receives and reads the mobile phone replacement request information through the financial transaction channel to confirm the validity of the mobile phone replacement request information (1830b).

In addition, the verification of the validity of the mobile phone replacement request information, preferably comprises a further authentication of the password and / or security code and / or OTP included in the mobile phone replacement request information.

According to an embodiment of the present invention, the validity of the mobile phone replacement request information is registered at least one or more information matching the mobile phone replacement request information in the device management D / B on the mobile communication system associated with the financial product management system It is preferable to include checking whether it is done.

If the validity of the mobile phone replacement request information is not authenticated (1835b), the server generates (or extracts) validation error information of the received mobile phone replacement request information and transmits it to the terminal (1840b). Do not perform processing corresponding to mobile phone replacement request information.

According to the present invention, the customer induces the subscription of financial products through a financial institution, and provides customer marketing services through an alliance with a mobile communication company to prevent the departure of long-term financial product subscription customers, and the customer's purchase of the latest mobile phone at the carrier It helps to prevent churn due to number transfer and create synergy effects between mobile carriers and financial institutions.

Claims

When the customer requests to replace the latest mobile phone, when the mobile phone replacement request information is received from the dealer terminal, based on the received mobile phone replacement request information, long-term financial products-financial products for customer mobile phone replacement through the operation of financial products-whether to join Confirming;

Confirming the subscription information for the long-term financial product to which the customer has already subscribed, and calculating grant information available to the customer based on the confirmed subscription information;

Checking whether the customer mobile phone can be replaced based on the calculated support information, and if it is determined that the mobile phone can be replaced, processing the mobile phone replacement request of the customer; and automatically replacing the customer mobile phone using the financial product. How to Provide Services.

The method of claim 1, wherein checking whether the customer mobile phone is replaceable based on the calculated grant information and processing the customer's mobile phone replacement request when it is determined that the mobile phone is replaceable, is performed.

Checking the subsidies available from the telecommunications company; Method of providing a customer cell phone automatic replacement service using a financial product comprising a.

The method of claim 1,

When a customer requests termination of a long-term financial instrument, the remaining amount of the payment to be made in accordance with the termination of the long-term financial instrument is the remaining amount after deducting the cost of the replacement of the cellular phone provided to the customer based on the revenue from the point of termination. Processing to be provided; Method of providing a customer cell phone automatic replacement service using a financial product comprising a.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

When the customer requests to replace the latest mobile phone, when the mobile phone replacement request information is received from the dealer terminal, based on the received mobile phone replacement request information, long-term financial products-financial products for customer mobile phone replacement through the operation of financial products-whether to join Means for identifying;

Means for confirming subscription information for the long-term financial products to which the customer has already subscribed, and calculating grant information available to the customer based on the confirmed subscription information when the customer is confirmed to be a long-term financial product;

Checking whether or not the customer mobile phone replacement is possible based on the calculated support information, and if it is determined that the replacement means for processing the mobile phone replacement request of the customer; Automatically replace the customer mobile phone using a financial product comprising a Service delivery system.