KR100873350B1 - Method and system for transferring funds to open accounts and recording media therefor - Google Patents

Abstract

The present invention relates to a method and system for transferring funds to an unopened account, and a recording medium therefor, wherein the method for transferring funds to an unopened account according to the present invention includes information on a remitter's financial account and unique payee information in a predetermined information storage means. Storing information relating to the recipient account transfer amount in a predetermined storage medium, transmitting predetermined account opening request information from a predetermined information transmitting means to a recipient communication means corresponding to the unique recipient information, and Confirming whether a financial account corresponding to the payee unique information is opened in the information checking means; and when the paying financial account is opened as a result of the check, a predetermined financial transaction processing means is linked with the storage medium (or storage medium operating means). After the remittance confirms the financial account information and the money transfer amount information, From a step to deposit the amount of the withdrawal is locked to the payee financial accounts.

Unopened, Account, Funds, Transfer

Description

System and Method for Transferring Fund of Unopened Account and Program Recording Medium}

1 is a diagram illustrating a system for establishing a financial account in a face-to-face manner according to an embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B illustrate a process of opening a financial account in a face-to-face manner according to one embodiment of the present invention.

4A and 4B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a view showing a non-face-to-face financial account opening system according to another embodiment of the present invention.

7 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

8 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of opening a financial account according to one embodiment of the present invention.

10 is a diagram illustrating a face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account according to an embodiment of the present invention.

11 is a diagram illustrating a ledger configuration corresponding to a remitter financial account provided in a financial system for a face-to-face financial transaction for transfer of funds from a financial account to an unopened financial account according to an embodiment of the present invention.

12 is a diagram illustrating a process of processing a financial transaction for transfer of funds from a financial account to an unopened financial account in a face-to-face manner according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of depositing a transfer amount withdrawn (or withdrawal) from a remitter's financial account into a recipient's financial account to transfer funds to an unopened financial account according to an embodiment of the present invention.

14 is a diagram illustrating a non-face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account according to another exemplary embodiment of the present invention.

FIG. 15 is a diagram illustrating a ledger configuration corresponding to a remitter financial account provided in a financial system for a non-face-to-face financial transaction for transferring funds from a financial account to an unopened financial account according to an embodiment of the present invention.

FIG. 16 illustrates a process of processing a financial transaction for transferring funds from a financial account to a predetermined unopened financial account in a non-face-to-face manner for transferring funds from the financial account to the unopened financial account according to an embodiment of the present invention. Drawing.

17A and 17B illustrate a process of processing a financial transaction for transferring funds from a financial account to a predetermined unopened financial account in a non-face-to-face manner for transferring funds from the financial account to the unopened financial account according to another embodiment of the present invention. A diagram illustrating the process.

FIG. 18 is a diagram illustrating a process of depositing a transfer amount withdrawn (or withdrawal) from a remitter's financial account to a recipient's financial account to transfer funds to an unopened financial account according to an embodiment of the present invention.

19 is a diagram illustrating a face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account through a virtual account according to an embodiment of the present invention.

20 is a view illustrating a ledger configuration corresponding to a remitter financial account provided in a financial system for a face-to-face financial transaction for transfer of funds from a financial account to an unopened financial account through a virtual account according to an embodiment of the present invention. to be.

21 is a diagram illustrating a process of processing a financial transaction for transfer of funds from a financial account to an unopened financial account through a virtual account in a face-to-face manner according to an embodiment of the present invention.

FIG. 22 illustrates a process of depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to a non-opened financial account through a virtual account according to an embodiment of the present invention and transferring it to the beneficiary financial account. Drawing.

FIG. 23 illustrates a non-face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account according to another embodiment of the present invention.

24 illustrates a ledger configuration corresponding to a remitter financial account provided in a financial system for a non-face-to-face financial transaction for transfer of funds from a financial account to an unopened financial account through a virtual account according to an embodiment of the present invention. Drawing.

25 is a flowchart illustrating a process of processing a financial transaction for transferring money from a financial account to a predetermined unopened financial account in a non-face-to-face manner for transferring funds from a financial account to an unopened financial account through a virtual account according to an embodiment of the present invention. A diagram illustrating the process.

26A and 26B illustrate a method for transferring funds from a financial account to a predetermined unopened financial account in a non-face-to-face manner for transferring funds from a financial account to an unopened financial account through a virtual account according to another embodiment of the present invention. A diagram illustrating a process of processing a transaction.

FIG. 27 illustrates a process for depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to a non-opened financial account through a virtual account according to an embodiment of the present invention and transferring it to the beneficiary financial account. Drawing.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 1 35: electronic document transmission unit

140: account opening unit 145: electronic document server

150: electronic document receiving unit 155: information generating unit

160: electronic document storage unit 165: electronic document D / B

170: terminal device

The present invention relates to a method of storing information in a predetermined storage medium by linking a remitter's financial account information, a payee specific information, and a payee account transfer amount information in a predetermined information storing means, and corresponding to the payee unique information in a predetermined information transmitting means. Transmitting predetermined account opening request information to a recipient communication means, checking whether a financial account corresponding to the recipient unique information is opened in a predetermined information checking means, and if the recipient financial account is opened as a result of the checking, After the remittance checks the financial account information and the money transfer amount information in connection with the storage medium (or the storage medium operating means) in a predetermined financial transaction processing means, the amount of the withdrawal is locked from the remitter's financial account. To transfer funds in an unopened account, which includes depositing All.

With the rapid development of information and communication technology, various non-face-to-face channels, such as community or mini homepage, have been formed online, thereby transforming our living environment into a non-face-to-face living environment where many things are handled without facing them. For financial services to support such non-face-to-face living environments, financial services using non-face-to-face channels are becoming common.

However, in the money transfer service most frequently used among the financial services using the non-face-to-face channel, the remitter knows the recipient's financial account information or only after receiving the recipient's financial account information from the recipient. The service is provided, and before that, the money transfer service does not occur, and this also includes a problem of limiting autonomy and convenience of the non-face-to-face living environment.

An object of the present invention for solving the above problems, withdrawal of the account transfer amount from the remitter's financial account in a predetermined financial transaction processing means, when the transfer request for an unopened financial account, the withdrawal amount is unique to the payee Depositing to a virtual account corresponding to the information; and storing a predetermined storage medium by linking the remitter's financial account information, the recipient's unique information, and the recipient's unique information and the money transfer amount information in a predetermined information storage means. Storing information in a predetermined form; transmitting predetermined account opening request information from a predetermined information transmitting means to a recipient communication means corresponding to the unique recipient information; and a financial account corresponding to the unique recipient information in a predetermined information checking means. The step of confirming that the bank is opened and the result of the check is that the payee financial account is opened. Checking the virtual account information and the transfer amount in connection with the storage medium (or the storage medium operating means) in the financial transaction processing means, and withdrawing the amount deposited in the confirmed virtual account and depositing the money into the payee financial account; In providing a method for transferring funds of an unopened account, including.

In accordance with another aspect of the present invention, there is provided a method of transferring funds in an unopened account, storing information in a predetermined storage medium by linking a remitter's financial account information, a recipient's unique information, and a recipient's target account transfer amount information in a predetermined information storage means; Transmitting predetermined account opening request information from the information transmitting means to the recipient communication means corresponding to the unique recipient information; confirming whether a financial account corresponding to the unique recipient information is opened by the predetermined information checking means; As a result of the check, when the beneficiary financial account is opened, the remittance checks the financial account information and the transfer amount information in connection with the storage medium (or the storage medium operating means) in a predetermined financial transaction processing means, and then the Depositing the withdrawal amount into the beneficiary financial account; Characterized in that eojineun.

On the other hand, the method for transferring funds to an unopened account according to the present invention, withdrawal of the account transfer amount from the remitter's financial account in a predetermined financial transaction processing means when a request for transfer of funds to an unopened financial account, Depositing a virtual account corresponding to the unique payee information, and linking the remitter financial account information, the payee unique information, and the payee unique information, and the account transfer amount information in a predetermined information storage means; Storing information in a storage medium, transmitting predetermined account opening request information from a predetermined information transmitting means to a recipient communication means corresponding to the unique recipient information, and corresponding to the recipient unique information in a predetermined information checking means. Confirming that a financial account is opened; and as a result of the verification, the beneficiary financial account is opened. The financial transaction processing means checks the virtual account information and the account transfer amount in connection with the storage medium (or storage medium operating means), and withdraws the amount deposited in the confirmed virtual account and deposits it into the payee financial account. Characterized in that it comprises a step.

According to the present invention, the method for transferring funds in the non-opened account includes: repaying the amount deposited in the virtual account to the remitter's financial account if the recipient's financial account is not opened after a predetermined period of time in the financial transaction processing means; Characterized in that further comprises a step.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the method of the transfer of funds of the non-opened account.

On the other hand, the funds transfer system of an unopened account according to the present invention, the information storage means for storing the remitter financial account information, the recipient specific information and the recipient target account transfer amount information to store in a predetermined storage medium, and the recipient specific information Information transmission means for transmitting predetermined account opening request information to a recipient communication means corresponding to the information, information checking means for confirming that a financial account corresponding to the recipient unique information is opened, and as a result of the checking, the recipient financial account is opened. Financial transaction processing means for depositing the amount of the withdrawal locked from the remitter's financial account to the beneficiary financial account after remittance checks the financial account information and the account transfer amount information in connection with the storage medium (or storage medium operating means) Characterized in that comprises a.

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 intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a system for opening a financial account in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 1, when a financial account opening application form including at least one predetermined customer information and financial account property setting information is prepared and submitted to a window provided at a predetermined financial institution, the financial institution opens the financial account. A system configuration for opening the financial account based on an application form. Specifically, when the customer fills out the application for opening the financial account and submits it to the window, a predetermined window terminal provided at the window uses an image acquisition device. Obtaining predetermined image contents corresponding to the financial account opening application, and from the financial account opening application information corresponding to the financial account opening application and the financial account opening application through the predetermined financial product subscription interface. If the acquired image content is provided, the After generating a predetermined electronic bank account application electronic document containing contents and storing the electronic document in a predetermined electronic document repository to secure the validity corresponding to the opening of the financial account, the customer information and financial information included in the financial account opening application information It relates to an implementation method for opening the financial account to the customer based on the account attribute setting information.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the construction of a financial account opening system by referring to and / or modifying the drawing 1, but the present invention implements all the inferred implementations. It includes a method, and is not limited to the embodiment method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a financial account by omitting and implementing a method of storing the financial account opening application electronic document in the electronic document repository by referring to and / or modifying the drawing 1. The system configuration may be inferred, and the DBMS in which the electronic document storage is located in the financial account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the electronic account opening application electronic document is stored in the electronic document storage. Although it can be inferred the implementation method provided in the present invention, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the implementation method of generating the electronic account opening application electronic document, a financial account opening application electronic document corresponding to the financial account opening application is generated on the server side on the financial account opening system. The present invention is not limited thereto, but the financial account opening application electronic document is generated by a terminal that has obtained image content corresponding to the financial account opening application through a predetermined image acquisition device. (Eg, the electronic document generating function provided on the server side is provided on the terminal side to generate the financial account opening application electronic document), and the present invention is not limited thereto.

Hereinafter, the customer opens the financial account in response to the financial account opening application and the financial account opening application information prepared by the customer through a predetermined financial product subscription interface on the financial account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a corresponding predetermined financial account opening application electronic document and storing it in a predetermined electronic document repository is referred to as "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the financial account opening system includes a terminal device 170 including a window terminal provided at at least one branch (or branch) of a financial institution. The terminal device 170 is connected to a communication channel with a financial company server 100 provided on the financial account opening system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch), and the application for opening the predetermined financial account through a window (or a cashier) provided at the financial institution branch branch (branch branch). (E.g., a document having a form for filling in the at least one information item), wherein the customer is to seal the customer's seal for legal basis on the application for opening the financial account. Do.

Subsequently, when the customer submits the completed financial account opening application to the teller, the teller scans the financial account opening application through a predetermined image obtaining device to obtain predetermined image content, and then opens a predetermined teller terminal. Input (or select) financial account opening application information including at least one image content obtained in response to the financial account opening application and at least one of customer information and financial account attribute setting information written in the financial account opening application; In response, the window terminal preferably transmits the image contents and the financial account opening application information to the financial company server 100 provided on the financial account opening 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, the financial company server 100 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 100 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 100. It is preferable to make it.

In the financial account opening system as described above, the image acquisition device for acquiring the image content corresponding to the financial account opening application prepared by the customer, the window terminal used by the employee and the window terminal and the financial company server 100 The connecting financial network performs a function of a financial product subscription interface for the customer to register the financial account opening application information.

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 170 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be 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 170 is a window terminal connected to a predetermined financial network, the financial company server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, 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 the exemplary embodiment of the present invention, the financial institution server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 170 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 170 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when a predetermined terminal device 170 connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial institution server 100 may include the terminal device ( Acquire an image content corresponding to the financial account opening application prepared by the customer through a predetermined image acquisition device provided at 170, and input (or select) financial account opening application information corresponding to the financial account opening application; Generating (or extracting) at least one user interface for transmitting to the financial institution server 100, and providing the generated (or extracted) user interface to the terminal device 170 in association with the interface unit 105. Financial account opening application information corresponding to the financial account opening application through the interface providing unit 110 and the user interface in the terminal device 170 When the information is input (or selected) and transmitted, the information receiver 115 receives the financial account opening request information transmitted from the terminal device 170 in association with the interface unit 105, and the terminal device 170. Obtaining and transmitting image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device based on the user interface, the image corresponding to the financial account opening application in connection with the interface unit 105 Characterized in that it comprises an image receiving unit 120 for receiving the content.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the user interface to the financial institution server 100. Upon request, the mobile terminal acquires image contents corresponding to the application for opening a financial account prepared by the customer through a predetermined image acquisition device provided in the terminal device 170, and obtains application information for opening a financial account corresponding to the application for opening the financial account. Generate at least one user interface for input (or selection) to be transmitted to the financial institution server 100 via the financial network, and / or extract from a predetermined database (not shown), and with the interface unit 105 And providing the generated (or extracted) user interface to the terminal 170 through the financial network. .

According to another exemplary embodiment of the present invention, the terminal device 170 acquires image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device, and opens a financial account corresponding to the financial account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the financial account opening application prepared by the customer, inputting (or selecting) financial account opening application information corresponding to the financial account opening application, and transmitting the information to the financial company server 100. An interface that generates (or extracts) an interface and provides it to the terminal device 170. 'S provider 110 and mubang be omitted, to which the present invention is not limited.

Thereafter, the terminal device 170 inputs (or selects) a financial account opening application information including at least one of the customer information and financial account property setting information through the user interface, and inputs (or selects) the financial information. Account opening application information is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 to transmit the financial information transmitted from the terminal device 170. It is characterized by receiving the account opening application 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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

In addition, the terminal device 170 obtains the image content corresponding to the financial account opening application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image receiving unit 120 receives the image content corresponding to the application for opening a financial account in response to the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 170 acquires image contents corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device and is provided in the terminal device 170 ( Or, if stored in a predetermined storage device, the terminal device 170 is an image corresponding to the application for opening a financial account created by the customer of the at least one or more image content previously stored in the storage device through the user interface Select content and transmit the content to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the financial account opening application in connection with the interface unit 105. It is desirable to.

According to another exemplary embodiment of the present invention, the terminal device 170 displays image content corresponding to the financial account opening application written by the customer and the financial account opening application information corresponding to the financial account opening application through the user interface. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the financial account opening application and the financial account opening 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 institution opening request information transmitted from the terminal device 170 is received through the information receiving unit 115, the financial institution server 100 receives the financial account opening request information. Characterized in that it comprises a validity authentication unit for checking whether the validity is satisfied.

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device 170 through the image receiving unit 120, and the financial account through the validity checking unit 125. When the validity of the opening application information is authenticated, the electronic document generation unit 130 for generating a predetermined financial account opening application electronic document including the received image content, and the generated financial account opening application electronic document And an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the account opening system.

The electronic document generation unit 130 may generate a financial account opening application electronic document including the image content received from the terminal device 170 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 requests to open the financial account as it is an image file including the image content received from the terminal device 170 through the image receiving unit 120. It is preferable to process it as an electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to image content including at least one of customer information and financial account property setting information in a watermarking manner.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) containing the image content received from the terminal device 170 via the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is desirable to create an electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one of customer information and financial account property setting information by a watermarking method, and include a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the electronic account opening request electronic document. It is preferable.

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 170 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the application information for opening a financial account; By generating a web document file, etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. A predetermined document file including image information including at least one of customer information and financial account property setting information by a watermarking method and including the generated image content and the financial account opening application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic application for the opening application.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical characteristics of generating an electronic document opening application for the financial account of the image file format and / or a predetermined document file format, Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic account opening request electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to a financial company server 100 on the financial account opening system with a predetermined electronic document server 145 and an electronic document D / B 165 linked through predetermined communication means. When provided to the outside, including the electronic document transmission unit 135 is the electronic document opening application electronic document generated by the electronic document generation unit 130 through the communication means the electronic document server 145 It characterized in that the transmission to.

Here, when the electronic document server 145 and the electronic document D / B 165 is provided outside the financial account opening system, the electronic document server 145 and the electronic document D / B 165 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. The electronic document opening application electronic document can be stored in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, a financial account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 145. The customer information on which the application was opened, and / or financial institution information for transmitting the financial account opening application electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, when the financial institution opening application information received through the information receiving unit 115 is authenticated through the validity confirming unit 125, the financial institution server 100 may verify the validity of the financial institution. And an account opening unit 140 for opening a financial account under a customer's name including the financial account property setting information based on the customer information and the financial account property setting information included in the account opening application information. .

When the validity of the financial account opening application information is confirmed by the validity confirming unit 125, the account opening unit 140 is connected to the financial system property setting information included in the financial account opening application information in connection with the financial system. Generate account ledger information including corresponding financial account attributes, generate a customer ledger containing customer information (or identify a customer ledger that is matched with the customer information) and then associate with the customer ledger By storing the account ledger information in a predetermined account ledger, a financial account corresponding to the financial account opening application information is opened.

Referring to FIG. 1, an electronic document that receives a predetermined financial account opening request electronic document from the financial company server 100 provided on the financial account opening system and stores and manages the electronic document D / B 165 in a predetermined electronic document D / B 165. The server 145, the electronic document receiving unit 150 for receiving a predetermined financial account opening request electronic document from the financial institution server 100 through a predetermined communication means, and the received financial account opening request electronic document to the electronic document An information generation unit 155 for generating predetermined electronic document management information for storing and managing in the document D / B 165, and the electronic document management information and the financial account opening application electronic document are processed in a predetermined manner. And an electronic document storage unit 160 to store the document D / B 165.

The electronic document receiving unit 150 may receive an application for opening a financial account in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means may include the image content received by the financial company server 100 from the terminal device 170. It is preferable that the image file is included as it is.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 150 through the communication means is the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information and financial account attribute setting information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means is an image content received by the financial company server 100 from the terminal device 170. 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) And the like).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 150 through the communication means may be applied to the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more of the included customer information and financial account property setting information by a watermarking method. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means is an image received by the financial company server 100 from the terminal device 170. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing contents and application information for opening a financial account; Or a web document file including the MHT).

Alternatively, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means may be applied to the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. A predetermined document file (for example, PDF (Portable Document Format)) including image content including at least one or more of the included customer information and the financial account property setting information by a watermarking method and the financial account opening application information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 150, and through the electronic document receiving unit 150 And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 155 opens the financial account with reference to the financial company server 100 that has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 150. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 150 further receives a predetermined electronic document related information from the financial institution server 100, the information generating unit 155 is the received electronic Document-related information (e.g., customer information that has created a financial account opening application corresponding to the image content, and / or financial institution information transmitting the financial account opening application electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the financial account establishment application information).

The electronic document storage unit 160 processes an electronic document management application electronic document received through the electronic document receiving unit 150 and electronic document management information generated through the information generating unit 155 to process a predetermined electronic document. It is characterized in that the storage in the D / B (165).

According to the exemplary embodiment of the present invention, the financial institution opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the financial company server 100 by the terminal device 170. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the financial account opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the image content received by the financial institution server 100 from the terminal device 170. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information and the financial account property setting information included in the application information for opening the financial account in a watermarking method.

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the financial company server 100 by the terminal device 170. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may correspond to the image content received by the financial institution server 100 from the terminal device 170. A predetermined document file (for example, a PDF (Portable Document Format) file) including image content including at least one or more of customer information included in the financial account opening application information and financial account attribute setting information in a watermarking manner. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the financial company server 100 using the terminal device ( At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from 170 and the financial account opening request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may correspond to the image content received by the financial institution server 100 from the terminal device 170. Image content including at least one or more of the customer information and the financial account property setting information included in the financial account opening application information by a watermarking method and a predetermined document file including the financial account opening application information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account opening. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account. Preferably, the financial institution further includes information on a financial institution that transmits the financial account opening application electronic document, which has been identified with reference to the financial institution server 100 that transmitted the opening application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the financial company server 100, the electronic document storage unit 160 processes the connection with the financial account opening application electronic document. The electronic document management information stored in the electronic document D / B 165 may include the received electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or the financial account opening application). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the application for opening the financial account, etc.).

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 2 shows an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 in the ledger D / B 200 provided in the DBMS on the financial system shown in FIG. As illustrated in FIG. 2, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 2 to infer various implementation methods for a ledger configuration corresponding to the financial account. As will be appreciated, the present invention includes all implementation methods inferred above and 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 200 provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account associated with the customer ledger It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system In the ledger D / B (200) provided in the maintenance and management of at least one ledger (eg, loan ledger, mortgage ledger, ... etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 2 It will be apparent that at least one additional information is included to further understand, and the specific technical matters will be understood. One description is omitted for convenience.

The customer ledger includes customer information included in the application information for opening a financial account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, 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.

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic reception information including at least one or more of a period, a number of days, a period extension, an expiration date, and a target amount, and / or an account number, a deposit amount, a par value, and a pension corresponding to the account ledger. And trust receipt information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, and a batch number corresponding to the account ledger. It includes transaction history information including at least one of, complex transaction, date of settlement, bank account line, summary, CIF 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

3A and 3B illustrate a process of opening a financial account in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show a terminal terminal in which a terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a predetermined customer includes at least one of customer information and financial account attribute setting information in order to open a financial account. When a financial account opening application is made and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and opens a financial account opening system through a predetermined financial product subscription interface. Obtained from the financial account opening application information corresponding to the financial account opening application and the financial account opening application; When the image content is provided, an electronic document for generating a predetermined financial account opening application document containing the image content is generated and stored in a predetermined electronic document repository, and a financial account corresponding to the financial account opening application form is opened. In detail, the window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device and transmits the predetermined image content to the financial company server 100 and then corresponds to the financial account opening application. The execution method of inputting (or selecting) account opening application information to the financial institution server 100 is illustrated.

Persons of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawings 3a and 3b to register the financial account opening application information with the financial company server 100 at the window 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. 3A and 3B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document 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 implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as a "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as a "server" for convenience, and in the window terminal The customer information and the financial account property setting information transmitted to the financial company server 100 are referred to as "bank account opening application information" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the window terminal shown in FIG. When a user interface request corresponding to the financial account opening application is requested in the state in which a predetermined communication channel is connected to the server through a connection (300), correspondingly, the server requests the user interface through the predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the application for opening a financial account created by a customer to the server (305), and the user interface generated (or extracted) through the financial network And transmits to the terminal (310).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (315).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (320), the terminal transmits the acquired image content to the server through the financial network (325).

Thereafter, the server inputs (or selects) financial account opening application information including at least one of customer information and financial account property setting information corresponding to the financial account opening application that matches the image content, and transmits the information to the server. A user interface is generated (or extracted) (330), and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (335).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (340).

If the financial account opening application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (345), the terminal inputs the input to the server through the financial network. (Or select) transmits the application information for opening a financial account (350).

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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account establishment request information including at least one of the customer information and the financial account property setting information through the financial network to confirm the validity of the financial account establishment request information (355). .

According to an embodiment of the present invention, the validation of the financial account opening application information may include at least one or more matching with the financial account opening application information in the ledger D / B 200 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferably made to check whether the match with the customer ledger stored in B (200).

If the validity of the financial account opening application information is not authenticated (360), the server generates predetermined financial account opening error information and transmits it to the terminal (365), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is verified (360), the server generates a predetermined financial account opening application electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to image content including at least one or more pieces of setting information by a watermarking method.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 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 an MHT), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening 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 the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generates image content including at least one or more pieces of setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the financial account opening application information. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening request electronic document. It is desirable to.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening application electronic document, and And / or electronic document file format information, and / or financial account opening application information).

If the electronic document opening application electronic document is stored in the electronic document storage (380), the server generates predetermined account ledger information corresponding to the financial account opening application information (385), and in connection with the financial system After opening a financial account of the customer name including the account ledger information (390), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (395).

4A and 4B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show a terminal terminal in which a terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a predetermined customer includes at least one of customer information and financial account attribute setting information in order to open a financial account. When a financial account opening application is made and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and opens a financial account opening system through a predetermined financial product subscription interface. Obtained from the financial account opening application information corresponding to the financial account opening application and the financial account opening application; When the image content is provided, an electronic document for generating a predetermined financial account opening application document containing the image content is generated and stored in a predetermined electronic document repository, and a financial account corresponding to the financial account opening application form is opened. Specifically, after inputting (or selecting) financial account opening application information corresponding to the financial account opening application at the window terminal and transmitting the information to the financial company server 100, the financial account opening is performed through a predetermined image acquisition device. A method of obtaining a predetermined image content corresponding to an application and transmitting the same to the financial institution server 100 is illustrated.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 4a and 4b. 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 FIGS. 4A and 4B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document 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 implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, a user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated and provided as being provided from the financial institution 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 institution server 100, whereby the present invention is not limited.

In the following Figures 4a and 4b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Fig. 1 is referred to as "server" for convenience, and said teller terminal said The customer information and the financial account attribute setting information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the teller terminal shown in FIG. When the user interface is requested and the user interface corresponding to the financial account opening application is established (400), the server corresponds to the financial account opening application prepared by the customer. Generate (or extract) a user interface for inputting (or selecting) financial account opening application information including at least one of customer information and financial account property setting information (step 405) and transmitting it to the server (405), and through the financial network. The generated (or extracted) user interface is transmitted to the terminal and output (410).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (415).

If the financial account opening application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (420), the terminal inputs the input to the server through the financial network. (Or select) transmits the application information for opening the open financial account (425).

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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information and the financial account property setting information through the financial network to check the validity of the financial account opening application information (430). .

According to an embodiment of the present invention, the validation of the financial account opening application information may include at least one or more matching with the financial account opening application information in the ledger D / B 200 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferably made to check whether the match with the customer ledger stored in B (200).

If the validity of the financial account opening application information is not authenticated (435), the server generates predetermined financial account opening error information and transmits it to the terminal (440), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is authenticated (435), the server acquires predetermined image contents corresponding to the financial account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and the server is obtained. A user interface for transmitting to the terminal is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (465).

The server receiving the financial account opening request information and the image content from the terminal generates a predetermined financial account opening request electronic document including the image content (470).

According to an exemplary embodiment of the present invention, the server processes the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. It is preferable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to image content including at least one or more pieces of setting information in a watermarking manner.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 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 an MHT), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening 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 the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generates image content including at least one or more pieces of setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the financial account opening application information. File), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is desirable to produce.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening application electronic document, and And / or electronic document file format information, and / or application information for opening a financial account, etc.).

If the electronic document opening application electronic document is stored in the electronic document repository (480), the server generates predetermined account ledger information corresponding to the financial account opening application information (485), and in connection with the financial system After opening the financial account of the customer name including the account ledger information (490), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (495).

5A and 5B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a predetermined customer includes at least one of customer information and financial account attribute setting information in order to open a financial account. When a financial account opening application is made and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and opens a financial account opening system through a predetermined financial product subscription interface. Obtained from the financial account opening application information corresponding to the financial account opening application and the financial account opening application; When the image content is provided, an electronic document for generating a predetermined financial account opening application document containing the image content is generated and stored in a predetermined electronic document repository, and a financial account corresponding to the financial account opening application form is opened. Specifically, the predetermined information acquisition apparatus corresponding to the application for opening the financial account is obtained through a predetermined image acquisition device at the window terminal, and the financial account opening application information corresponding to the financial account opening application is input (or selected). Illustrates an implementation method of transmitting to the financial institution server 100.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 100 at the window terminal by referring to and / or modified in the drawings 5a and 5b. 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 FIGS. 5A and 5B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document 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 implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Hereinafter, the window terminal shown in FIG. 1 in FIGS. 5A and 5B will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience. The customer information and the financial account attribute setting information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer prepares and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the window terminal shown in FIG. When the user interface is requested and the user interface corresponding to the financial account opening application (500) is connected to the server through a predetermined communication channel (500), the server corresponding to the financial account opening application written by the customer in the terminal Input (or select) financial account opening application information corresponding to the user, and generate a user interface for acquiring predetermined image contents corresponding to the financial account opening application through a predetermined image obtaining device and transmitting the same to the server (or Extract 505 the user interface generated (or extracted) through the financial network. The word is transmitted through the output (510).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (515).

If the financial account establishment application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (520), the terminal acquires a predetermined image based on the user interface. An image content corresponding to the financial account opening application is obtained through the device (525).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (530), the terminal transmits the financial account opening application information and the image content to the server through the financial network (535). .

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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account establishment request information including at least one of the customer information and the financial account property setting information through the financial network to check the validity of the financial account establishment request information (540). .

According to an embodiment of the present invention, the validation of the financial account opening application information may include at least one or more matching with the financial account opening application information in the ledger D / B 200 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferably made to check whether the match with the customer ledger stored in B (200).

If the validity of the financial account opening application information is not authenticated (545), the server generates predetermined financial account opening error information and transmits it to the terminal (550), and the new corresponding to the financial account opening application information. Do not perform financial account opening procedures.

On the other hand, if the validity of the financial account opening application information is authenticated (545), the server generates a predetermined financial account opening application electronic document including the image content (555).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to image content including at least one or more pieces of setting information in a watermarking manner.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 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 an MHT), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening 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 the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generates image content including at least one or more pieces of setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the financial account opening application information. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening request electronic document. It is desirable to.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening application electronic document, and And / or electronic document file format information, and / or financial account opening application information).

If the electronic document opening application electronic document is stored in the electronic document repository (565), the server generates predetermined account ledger information corresponding to the financial account opening application information (570), and in connection with the financial system After opening a financial account of the customer's name including the account ledger information (575), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (580).

6 is a view showing a non-face-to-face financial account opening system according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that when a predetermined customer provides financial institution opening application information including at least one of predetermined customer information and financial account property setting information through a predetermined financial product subscription interface to the financial institution, An institution is configured to open the financial account based on the financial account opening application information, specifically, when the customer provides the financial account opening application information to the financial account opening system, the financial account opening system to the After generating a predetermined financial account opening application electronic document containing the financial account opening application information and storing it in a predetermined electronic document storage, the validity corresponding to the opening of the financial account is secured, and the information contained in the financial account opening application information Based on customer information and financial account property setting information The present invention relates to an implementation method for causing a customer to open the financial account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the construction of a financial account opening system, but the present invention may infer all It includes an implementation method and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a financial account by omitting and implementing a method of storing the electronic account opening application electronic document in the electronic document repository by referring to and / or modifying the drawing 6. The system configuration may be inferred, and the DBMS in which the electronic document storage is located in the financial account opening system, in addition to the implementation method shown in FIG. 6, may be stored even when the electronic document opening application electronic document is stored in the electronic document storage. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 6, the financial account opening application electronic document is illustrated as being generated on the server side on the financial account opening system, but the present invention is not limited thereto. The financial account opening request electronic document may be generated at the terminal side that inputs (or selects) the financial account opening application information (for example, the electronic document generation function provided at the server side is provided at the terminal side to provide the financial information). Create an account opening request electronic document), by which the present invention is not limited.

Hereinafter, the financial account opening application information is provided from the customer through a predetermined financial product subscription interface on the financial account opening system shown in FIG. 6 so that the customer opens the financial account, and the predetermined financial corresponding thereto. Components corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository are referred to as "financial company server 100" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, the financial account opening system includes a terminal device 670 including at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. The terminal device 670 is connected to the financial company server 100 provided on the financial account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 100 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 account opening application information is input (or selected) through at least one user interface provided by the financial institution server 100, the financial institution provided on the financial account opening system through a predetermined network means at the client terminal. It is preferable to transmit to the server 100.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 670 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 670 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 670 connected to the x-based mobile Internet and / or all terminal devices 670 connected to the IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 100 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 a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 100 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 100, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 100. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 100, 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 account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial company server 100 and And / or the wireless communication network performs a function of a financial product subscription interface for the customer to register the financial account opening application information.

According to another exemplary embodiment of the present invention, the terminal device 670 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 Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device 670 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( 100 is connected to the financial network performs a function of the financial product subscription interface for the customer to register the financial account opening application information, and / or the terminal device 670 is the call terminal (not shown) And 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 company server 100 to subscribe a financial product for the customer to register the financial account opening application information. And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 670, and / or the terminal apparatus 670. A network connecting a server) (not shown) and the terminal (and / or server) (not shown) and the financial institution server 100 functions as a financial product subscription interface for the customer to register the financial account opening application information. Perform

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 670 through a predetermined network means, and includes at least one server. (Or a device), and / or may be 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 670 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 100 may be configured as described above. A predetermined server (or an internet banking server provided on the internet banking system, and / or a program provided in the internet banking server), and / or a predetermined server (or accessible to the external system of the financial system through the internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 100 may be connected to the wireless banking system. Or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 100 is connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking 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, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the terminal device 670 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 institution server 100 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with 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 an exemplary embodiment of the present invention, the financial institution server 100 may include an interface unit 605 for connecting and managing a predetermined communication channel with the terminal device 670 through the network means.

According to an exemplary embodiment of the present invention, when the terminal device 670 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 unit 605 may be used. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 605 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 institution server 100, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a financial automation device connected to a predetermined financial network, the interface unit 605 may perform the financial automation 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 670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 uses 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 605 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 provided by the financial institution server 100 (eg, an IC chip-based banking program), the interface unit 605 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 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 605 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 670 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 605 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 6, when the predetermined terminal device 670 connects a predetermined communication channel with the financial company server 100 through the interface unit 605, the terminal device ( 670 generates (or extracts) at least one user interface for inputting (or selecting) predetermined financial account opening application information to the financial institution server 100 and generating (or extracting) at least one user interface. An interface providing unit 610 for providing the generated (or extracted) user interface to the terminal device 670 and inputting (or selecting) the financial account opening application information from the terminal device 670 through the user interface; And the information receiving unit 615 for receiving the financial account opening application information transmitted from the terminal device 670 in connection with the interface unit 605. The features.

The interface providing unit 610 connects a predetermined communication channel with the financial institution server 100 through the interface unit 605, and then connects the user interface to the financial institution server 100. Generate, at the request, at least one user interface for inputting (or selecting) predetermined financial account opening application information to the financial institution server 100 through the network means, and / or Alternatively, the user interface may be extracted from a predetermined database (not shown) and provided to the terminal device 670 through the network means.

According to an embodiment of the present invention, when the terminal device 670 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 610. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 605 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 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 to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 605.

According to another embodiment of the present invention, when the terminal device 670 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 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 605.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may be configured to the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the generated (or extracted) user interface (eg, ARS-based user interface) through the interface unit 605 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 670 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 610 may provide 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 605.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined financial account opening application information to the terminal device 670 and transmitting it to the financial institution server 100 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined financial account opening application information and transmitting it to the financial institution server 100 as described above. The interface providing unit 610 provided to the device 670 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 670 inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface, and inputs (or selects) the financial information. Account opening application information is transmitted to the financial institution server 100 through the network means, and correspondingly, the information receiving unit 615 is connected to the interface unit 605 and the financial unit transmitted from the terminal device 670. It is characterized by receiving the account opening application information.

According to an exemplary embodiment of the present invention, the terminal device 670 may apply to the financial account opening application information in the financial company server 100 in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to verify the validity of the financial institution server ( 100).

According to an exemplary embodiment of the present invention, the terminal device 670 may include at least one encryption method (eg, a symmetric key based encryption method) for applying for financial account establishment request information including at least one of the customer information and financial account property setting information. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the application for opening a financial account. Preferably, the terminal apparatus 670 includes at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. Equipped with a predetermined official certificate, and / or the official certificate to the predetermined IC chip (or IC card) Preferably, the IC chip card reader to make sure the certificate provided in (or IC card) is provided when the.

According to an exemplary embodiment of the present invention, the terminal device 670 may include at least one encryption method (eg, a symmetric key based encryption method) for applying for financial account establishment request information including at least one of the customer information and financial account property setting information. And / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and the like, and transmit the encrypted data to the financial institution server 100 through the network means. The terminal device 670 is provided with 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 public certificate has a predetermined certificate. When equipped with an IC chip (or IC card) of the car, for checking the official certificate provided on the IC chip (or IC card) Preferably, a drier is provided.

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

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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Referring to FIG. 6, when the financial account opening request information transmitted from the terminal device 670 is received through the information receiving unit 615, the financial institution server 100 receives the financial account opening request information. Characterized in that it comprises a validity authentication unit for checking whether the validity is satisfied.

According to an embodiment of the present invention, the financial account establishment application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity authentication unit converts the encrypted financial account opening request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or a public key) corresponding to the encryption scheme. 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 account opening application information.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the validity authentication unit verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is desirable to.

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

When the financial account opening application information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the financial account opening application information, the validity authentication unit It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the validity authentication unit may include the financial account. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the validity authentication unit opens the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to an embodiment of the present invention, the validation of the financial account opening application information may include at least one or more matching with the financial account opening application information in the ledger D / B 200 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 625 may include a ledger D / D on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial account opening application information is linked to the financial account opening system. It is preferably made to check whether the match with the customer ledger stored in B (200).

Referring to FIG. 6, when the validity of the financial account opening application information is authenticated through the validity verification unit 625, the financial company server 100 includes a predetermined financial account including the received financial account opening application information. An electronic document generating unit 630 for generating an opening application electronic document, and an electronic document transmitting unit 635 for transmitting the generated financial account opening application electronic document to an electronic document repository associated with the financial account opening system; Characterized in that made.

The electronic document generating unit 630 may generate a financial account opening request electronic document including the financial account opening request information received from the terminal device 670 through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generating unit 630 includes at least one customer information and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. A word processor file that generates 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.) containing the document content, or Web document file including MHT) is preferably processed as the electronic account opening application electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, A document file including document content including the watermarking after including at least one of customer information included in the financial account opening application information and financial account attribute setting information in a watermarking method in a document content; For example, a Portable Document Format (PDF) 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 preferable to process it as an electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, It is preferable to process an image file including image content captured by document content (for example, image content generated by capturing the document content on a memory) as the financial account opening request electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, At least one of customer information included in the financial account opening application information and financial account property setting information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 630 includes at least one customer information and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. A predetermined document file (for example, PDF (Portable Document Format)) including an image content (e.g., image content generated by capturing the document content on the memory) by generating document content, and capturing the document content. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to process the electronic account opening request electronic document. It is desirable to.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, At least one of customer information included in the financial account opening application information and financial account property setting information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. / DOC, word processing file containing at least one, or web document file containing MHT, etc.) As it is desirable to apply processing to the banking account opening electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 630 includes at least one customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. A predetermined document file including an image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening request information; For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is advisable to process the account opening application electronic documents.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, At least one of customer information included in the financial account opening application information and financial account property setting information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic) file containing the watermarking image content and the financial account opening application information) Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT. By creating such a web document file), it is preferable to apply processing to the banking account opening electronic documents.

In the technical field to which the present invention pertains, the electronic document generating unit 630 generates a financial account opening application electronic document in an image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document application for financial account opening, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 635 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 630 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 6, the electronic document repository is connected to a financial company server 100 on the financial account opening system and a predetermined electronic document server 645 and electronic document D / B 665 connected through predetermined communication means. When provided externally, the electronic document transmission unit 635 is the electronic document opening application electronic document generated by the electronic document generation unit 630 through the communication means through the electronic document server 645 It characterized in that the transmission to.

Here, when the electronic document server 645 and the electronic document D / B 665 is provided outside the financial account opening system, the electronic document server 645 and the electronic document D / B 665 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 635 generates the electronic document generation unit 630. It is possible to store the electronic document opening application electronic document in the electronic document D / B 665 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 635 inputs electronic document related information (eg, the financial account opening application information) for generating predetermined electronic document management information in the electronic document server 645. (Optional) customer information transmitted, and / or financial institution information for transmitting the financial account opening request electronic document, and / or electronic document file format information, and / or the financial account opening request information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 6, when the financial account opening application information received through the information receiving unit 615 is verified through the validity checking unit 625, the financial institution server 100 may verify the validity of the financial institution. And an account opening unit 640 for opening a financial account in a client's name including the financial account attribute setting information based on the customer information and the financial account attribute setting information included in the account opening application information. .

When the validity of the financial account opening application information is confirmed by the validity confirming unit 625, the account opening unit 640 is linked to the financial account property setting information included in the financial account opening application information in connection with the financial system. Generate account ledger information including corresponding financial account attributes, generate a customer ledger containing customer information (or identify a customer ledger that is matched with the customer information) and then associate with the customer ledger By storing the account ledger information in a predetermined account ledger, a financial account corresponding to the financial account opening application information is opened.

Referring to FIG. 6, an electronic document for receiving a predetermined financial account opening application electronic document from the financial company server 100 provided on the financial account opening system and storing and managing the electronic document D / B 665 in a predetermined electronic document D / B 665. The server 645, the electronic document receiving unit 650 for receiving a predetermined financial account opening request electronic document from the financial institution server 100 via a predetermined communication means, and the electronic document receiving application electronic document received the electronic document; An information generation unit 655 for generating predetermined electronic document management information for storing and managing in the document D / B 665, and the electronic document management information and the financial account opening application electronic document in a predetermined manner. And an electronic document storage unit 660 for storing in the document D / B 665.

The electronic document receiving unit 650 may receive a financial account opening request electronic document in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to the exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is opened by the financial company server 100 from the terminal device 670. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document content including at least one of customer information and financial account property setting information included in the application information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial institution server 100 from the terminal device 670. And at least one of customer information and financial account property setting information included in the financial account opening application information in a watermarking method in document content including at least one financial account property setting information. Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial institution server 100 from the terminal device 670. 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 or more financial account property setting information. .

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial institution server 100 from the terminal device 670. Customer information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account property setting information. And including at least one or more information of the financial account property setting information by a watermarking method, and then including an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is a financial account received by the financial company server 100 from the terminal device 670. Predetermined 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 and financial account property setting information included in the application for opening information. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial institution server 100 from the terminal device 670. Customer information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account property setting information. A document file (eg, a Portable Document Format (PDF) file) that generates image content including at least one or more of the financial account property setting information and a watermarking method, and includes the image content including the watermarking. , Or a word processor including at least one EDI (Electronic Data Interchange) file, or HWP / DOC File, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is received by the financial company server 100 from the terminal device 670. Image content (eg, image content generated by capturing the document content on a memory) and the financial document information including document information including at least one of customer information and financial account property setting information included in the account opening application information. 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.) containing the account opening request information, or an MHT Web document files, etc.).

Alternatively, the electronic document receiving application electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening application information received by the financial institution server 100 from the terminal device 670. Customer information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account property setting information. And generating image content including at least one or more information of the financial account property setting information by a watermarking method, and a document file including the watermarking image content and the financial account opening application information (eg, , Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, or HWP / DOC. And at least one word processor file or web document file including MHT).

The information generation unit 655 uses a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 650, and the electronic document receiving unit 650. And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 655 opens the financial account with reference to the financial company server 100 that has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 650. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 650, the information generating unit 655 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the financial account opening application information) and / or financial institution information transmitting the financial account opening application electronic document, and / or electronic document file format information, and And / or the electronic document management information further including the financial account opening application information).

The electronic document storage unit 660 associates a financial account opening request electronic document received through the electronic document receiving unit 650 with electronic document management information generated through the information generation unit 655 to process a predetermined electronic document. It stores in the D / B (665).

According to the exemplary embodiment of the present invention, the financial institution opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial company server 100 by the terminal device 670. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received from the information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the financial document opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 100 from the terminal device 670. Watermarking method of at least one of the customer information and the financial account property setting information included in the financial account opening application information in the document content including at least one or more customer information and financial account property setting information included in the information And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. File, or a web document file including MHT).

Alternatively, the financial document opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 100 from the terminal device 670. 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 of customer information and financial account property setting information included in the information; It is preferable to comprise.

Alternatively, the financial document opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 100 from the terminal device 670. Apply to open the financial account 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 and financial account property setting information included in the information. After including at least one or more information of the customer information and the financial account attribute setting information included in the information in a watermarking (Watermarking) method, and preferably comprises an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, a financial account opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial company server 100 by the terminal device 670. Image content (e.g., an image generated by capturing the document content on a memory), the document content including at least one of customer information and financial account property setting information included in the financial account opening 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 of HWP / DOC, etc.), or a web including MHT. Document files).

Alternatively, the financial document opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 100 from the terminal device 670. Apply to open the financial account 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 and financial account property setting information included in the information. Create a document content including at least one or more information of the customer information and the financial account property setting information included in the information by a watermarking method, and a document file (eg, PDF) containing the image content including the watermarking (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a word processor including at least one or more such as HWP / DOC Book file, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may include the financial company server 100 using the terminal device ( Image content captured by document content including at least one or more customer information and financial account property setting information included in the financial account opening application information received from 670 (for example, the document content is generated by capturing the document content on a memory). A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content) and the application information for opening a financial account; File, or a web document file including MHT).

Alternatively, the financial document opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 100 from the terminal device 670. Apply to open the financial account 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 and financial account property setting information included in the information. Generate image content including at least one or more of customer information and financial account property setting information included in the information by a watermarking method, and include image content including the watermarking and application information for opening the financial account. At least a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC file). And at least one word processor file or web document file including MHT).

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 665 by processing the electronic document storage unit 660 in association with the electronic account opening request electronic document, the financial account opening Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the financial account opening request electronic document is stored in the financial account. Preferably, the financial institution further includes information on a financial institution that transmits the financial account opening application electronic document, which has been identified with reference to the financial institution server 100 that transmitted the opening application electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the financial company server 100, the electronic document storage unit 660 processes the connection with the financial account opening application electronic document and the The electronic document management information stored in the electronic document D / B 665 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the financial account opening application information) and / or the financial account. Financial institution information for transmitting the opening application electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.).

7 illustrates a ledger configuration corresponding to a financial account opened in a non-face-to-face manner in accordance with an embodiment of the present invention.

In more detail, FIG. 7 illustrates an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 6 in the ledger D / B 700 provided in the DBMS on the financial system shown in FIG. As an example 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 this drawing to infer various implementation methods for the ledger configuration corresponding to the financial account. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information included in the ledger D / B 700 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B 700 is provided with at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be apparent that at least one additional information is included to further understand, and the specific technical matters will be understood. Description will be omitted for convenience.

The customer ledger includes customer information included in the application information for opening a financial account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, 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.

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance number, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic reception information including at least one or more of a period, a number of days, an extension, an expiration date, and a target amount, and / or an account number corresponding to the account ledger, a deposit amount, a par value, an annuity. And trust receipt information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, and a batch number corresponding to the account ledger. It includes transaction history information including at least one of, complex transaction, date of settlement, bank account line, summary, CIF 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

8A and 8B illustrate a process of opening a financial account in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a web in which the terminal device 670 on the financial account opening system shown in FIG. 6 is a client terminal, and the financial institution server 100 can access the client terminal through a predetermined network means. In the case of having a server function, if a predetermined customer provides financial account establishment application information including at least one of customer information and financial account attribute setting information through the client terminal in order to open a financial account, the financial account is provided. The present invention relates to an implementation method of generating a predetermined financial account opening application electronic document including the provided financial account opening application information in an opening system, and storing the electronic document opening in a predetermined previous advisory office, and opening the financial account. Those skilled in the art may refer to and / or modify the drawings 8a and 8b. In order to infer various implementation methods for registering the financial account establishment application information from the client terminal to the financial institution server 100, the present invention includes all the inferred implementation methods, the figures 8a and 8b. It is not limited to the implementation method shown by.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the financial account opening application information and storing the electronic document in an electronic document storage, the above-described process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

8A and 8B provide a user interface through which the client terminal inputs (or selects) the financial account opening application information through a predetermined web page provided by the financial institution server 100. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 100, and the present invention is not limited thereto.

Hereinafter, in FIGS. 8A and 8B, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the financial institution server 100 illustrated in FIG. 6 is referred to as a “server” for convenience. The customer information and the financial account property setting information transmitted to the financial company server 100 are referred to as "bank account opening application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the user When requesting a web page including an interface (800), the server correspondingly inputs (or selects) a financial account opening application information including at least one of the customer information and the financial account property setting information and transmits it to the server. Generating (or extracting) a web page comprising a user interface for performing (805) and generating (or extracting) the user via the network means The web page including the interface is transmitted to the terminal and output (810).

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

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one or more customer information and financial account attribute setting information through a user interface included in the web page (815).

If the terminal receives (or selects) financial account opening application information including the customer information and financial account property setting information through the user interface (820), the terminal inputs (or selects) the communication channel. In step 825, the client information and the financial account attribute setting information are transmitted to the server.

According to an embodiment of the present invention, the terminal may determine a validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening a financial account. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, and / Or the IC chip (or IC) when the authorized certificate is provided on a predetermined IC chip (or IC card) It DE) is provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

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

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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the customer information and the financial account property setting information through the communication channel and checks the validity of the financial account opening application information (830).

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

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

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

According to an embodiment of the present invention, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening 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 account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests to open the financial account. By comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, the validity of the received financial account opening application information is verified. It is desirable to authenticate.

According to an exemplary embodiment of the present invention, the validity check of the financial account opening application information may include at least one matched with the financial account opening application information in the ledger D / B 700 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 625 may include a ledger D / D on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial account opening application information is linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in B (700).

If the validity of the financial account opening application information is not authenticated (835), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (840), and the financial account opening procedure Do not do it.

On the other hand, when the validity of the financial account opening application information is authenticated (835), the server generates predetermined document content including at least one or more customer information including the financial account opening application information and financial account property setting information. In operation 845, a predetermined financial account opening application electronic document including the document content is generated in operation 850.

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information and financial account attribute setting information included in the received financial account opening application information, the document comprising the document content The financial account includes 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, or a web document file including an MHT). It is preferable to process it as an electronic application.

Alternatively, the server generates document content including at least one of customer information and financial account property setting information included in the received financial account opening application information, and the customer included in the financial account opening application information in the document content. After at least one of the information and the financial account attribute setting information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI ( Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be processed as the electronic account opening request electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, It is preferable to process an image file including the document content generated by capturing the document content on a memory as the financial account opening request electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) and including at least one of customer information and financial account property setting information included in the financial account opening application information in a watermarking manner, It is preferable to process the image file containing the included image content as the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content ( A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including captured image content (eg, image content generated by capturing the document content on a memory). It is preferable to generate a word processing file including at least one / DOC, or a web document file including an MHT, etc.) to process the financial account opening application electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening application information and financial account property setting information in a watermarking manner. A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content including the watermarking; Or the web document file including the MHT), and the electronic account opening application It is preferred to process with.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content. (Capture) a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a portable document format) file including image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening application information); Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening application information and financial account property setting information in a watermarking manner. And at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking and the application for opening the financial account. By generating a word processor file including the above, or a web document file including the MHT, It is preferable to process the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, storing the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document and prescribed electronic document management information. It is preferable to include storing in the electronic document D / B (665).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial account opening application information and / or financial institution information transmitting the financial account opening application electronic document). , And / or electronic document file format information, and / or financial account opening application information).

If the electronic document opening application electronic document is stored in the electronic document storage (860), the server generates predetermined account ledger information corresponding to the financial account opening application information (865), in connection with the financial system After opening a financial account of the customer's name including the account ledger information (875), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (880).

9A, 9B, and 9C illustrate a process of opening a financial account according to one embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the financial account opening system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 6). In the case where the financial institution server 100 on the system is an internet banking server, the client terminal accesses the internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined financial account opening application information to the internet banking server to open the financial account, the predetermined opening of the financial account including the received financial account opening application information is received from the internet banking server. The application method is to create an electronic document, store it in a predetermined electronic document repository, and open the financial account. As those skilled in the art to which the present invention pertains, the application information for opening the financial account opening through other types of non-face-to-face financial transaction channels may be referred to and / or modified with reference to FIGS. 9A, 9B, and 9C. Various implementation methods of registering 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. 9A, 9B and 9C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account establishment application information between the client terminal and the internet banking server based on the browser program is illustrated, the present invention has a general knowledge in the art. 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 programs shown in FIGS. 9A, 9B, and 9C. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account opening application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention 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 modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer a method of implementing a non-face-to-face channel-based financial transaction channel for registering a financial account opening application 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. 9A, 9B, and 9C.

In addition, although the embodiment shown in FIGS. 8A and 8B 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.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 100 is referred to as "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in 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 (910a).

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 (915a), 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 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), 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 (930a), 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 encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also to be provided to the server for registration of application information for opening a financial account in the terminal. Attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption 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 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 registration of application information for opening a financial account at 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 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 (935a).

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. Etc.) and input (or generate) the data to the authentication server, and authenticate the customer connected through the terminal as the Internet banking customer based on the customer authentication data in the authentication server, and provide the result to the server. In this case, it is preferable that the customer authentication data includes public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data 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 (940a), 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. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel which can register and register predetermined financial account establishment application information from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (900b), the server correspondingly at least one of the customer information and the financial account property setting information. Generate (or extract) a web page including a user interface for inputting (or selecting) information on opening a financial account opening request to the server (905b) and generating the webpage through the internet banking-based financial transaction channel ( Alternatively, the web page including the extracted user interface is transmitted to the terminal and output (910b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) financial account opening application information including at least one of customer information and financial account property setting information. And / or print the password and / or security card information (e.g., printed on the security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the financial account opening application information. Security card information) and / or one time password (e.g., one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a).

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the financial account opening application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account attribute setting information through the financial product subscription interface (915b).

If the terminal inputs (or selects) financial account opening application information including the customer information and financial account property setting information through the user interface (920b), the terminal inputs the input (or The selected financial account opening application information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal may determine a validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening a financial account through the network means. It is preferable to transmit to the server, and for this purpose, 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 when the authorized certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC) It DE) is provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) It is good.

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

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). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account opening application information through the financial transaction channel to check the validity of the financial account opening application information (930b).

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

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

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

According to an embodiment of the present invention, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening 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 account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests to open the financial account. The validity of the received financial account opening 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.

According to an exemplary embodiment of the present invention, the validity check of the financial account opening application information may include at least one matched with the financial account opening application information in the ledger D / B 700 on the financial system associated with the financial account opening system. It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 625 may include a ledger D / D on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial account opening application information is linked to the financial account opening system. It is preferably made to include matching with the customer ledger stored in B (700).

If the validity of the financial account opening application information is not authenticated (935b), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (940b), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (935b), the server generates predetermined document content including at least one or more customer information including the financial account opening application information and financial account attribute setting information. In operation 945b, a predetermined financial account opening application electronic document including the document content is generated in operation 950c.

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information and financial account attribute setting information included in the received financial account opening application information, the document comprising the document content The financial account includes 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, or a web document file including an MHT). It is preferable to process it as an electronic application.

Alternatively, the server generates document content including at least one of customer information and financial account property setting information included in the received financial account opening application information, and the customer included in the financial account opening application information in the document content. After at least one of the information and the financial account attribute setting information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI ( Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, It is preferable to process an image file including the document content generated by capturing the document content on a memory as the financial account opening request electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) and including at least one of customer information and financial account property setting information included in the financial account opening application information in a watermarking manner, It is preferable to process the image file containing the included image content as the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content ( A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing image content captured (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to process the financial account opening application electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening application information and financial account property setting information in a watermarking manner. A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content including the watermarking; Or the web document file including the MHT), and the electronic account opening application It is preferred to process with.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content. (Capture) a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a portable document format) file including image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening application information); Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening application information and financial account property setting information in a watermarking manner. And at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking and the application for opening the financial account. By generating a word processor file including the above, or a web document file including the MHT, It is preferable to process the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage box (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the financial account opening application information and / or financial institution information transmitting the financial account opening application electronic document). , And / or electronic document file format information, and / or financial account opening application information).

If the electronic document opening application electronic document is stored in the electronic document repository (960c), the server generates predetermined account ledger information corresponding to the financial account opening application information (c65c), and linked with the financial system. After opening the financial account of the customer name including the account ledger information (970c), and generates (or extracted) predetermined financial account opening history information and transmits to the terminal (975c).

FIG. 10 illustrates a face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account according to an embodiment of the present invention.

In more detail, FIG. 10 illustrates a bank account information, a transfer amount information, transaction authentication information, and a remitter for transfer of funds from a bank account to a bank account through a bank transaction interface from a bank account to a bank account. When providing financial transaction request information including at least one payer unique information and funds transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication information included in the provided financial transaction request information in the financial transaction system; A system configuration for providing a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account using unique payee information and funds transfer authentication information, and has a general knowledge in the technical field to which the present invention belongs. If so, with reference to and / or modification of this figure 10, Would be able to infer a variety of exemplary methods for the open banking system configuration for the money transfer to the financial account, the present invention includes all embodiments how the inference, shall not be limited to the exemplary method shown in the figure 10.

Hereinafter, a financial transaction for transfer of funds from the financial account to a predetermined unopened financial account is provided using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 10. A component corresponding to at least one or more means and / or functional configurations is referred to as a "financial transaction server 1000" for convenience, and the financial transaction server 1000 in FIG. It is preferable to include at least one window terminal and the account system on the financial system connected through a predetermined financial network, but FIG. 10 shows the financial transaction server 1000 for convenience of explanation. Although illustrated as a server, the present invention is not limited thereto.

Referring to FIG. 10 in accordance with an embodiment of the present invention, a financial transaction system for transferring funds from the financial account to a predetermined non-opened financial account includes a financial transaction including a counter terminal provided at at least one financial institution branch. A financial network (for example, a banking network) connected to the terminal 1055 and the financial transaction terminal 1055, and the financial transaction terminal 1055 connected to the financial transaction terminal 1055 through the financial network to open a predetermined unopened financial account in the financial account. And a financial system in which the remitter financial account opened through the financial transaction server 1000 for processing a financial transaction for money transfer and the financial account opening system shown in FIGS. 1 and / or 6 are opened. It features.

The financial system that processes at least one financial transaction service through the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 in connection with the financial transaction server 1000 is the financial system. At least one window terminal provided at a branch (and / or branch) of the institution and a predetermined financial network (for example, a branch network), and through the window terminal, Provide face-to-face financial transaction services.

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

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

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

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

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

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

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

Referring to FIG. 10, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 700 for storing at least one ledger, wherein the ledger D / B 700 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) And the information is stored in a relational manner. The ledger information is shown in FIG. It is characterized in that it comprises a predetermined account ledger corresponding to the sender's financial account opened through the financial account opening system shown in figure 6.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 700 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer visits the financial institution branch for the transfer of funds from the financial account to a predetermined non-opened financial account, and through a window provided at the financial institution branch (or through a cashier). A document with a form for filling in at least one information item for transfer of funds from a financial account to a predetermined unopened financial account (eg, transfer of funds from the financial account to a predetermined unopened financial account); ), And the completed application is submitted to the teller, and the teller, through a designated teller terminal, remitter's financial account information and transfer amount information, transaction authentication information, beneficiary unique information and money transfer authentication Information (or selection) is entered, and the teller terminal sets the input (or selection) of the remitter's financial account information and transfer amount And it is desirable to transmit the transaction authorization information and the addressee-specific information and the money transfer authentication information to the financial transaction request information comprises at least one to the financial transaction server 1000 is provided on the banking system through the financial network.

Herein, the financial transaction terminal 1055 preferably includes a teller terminal used by a teller employee provided at the branch of the financial institution, and the financial transaction server 1000 connected to the teller terminal is located on the predetermined financial system. It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 1000 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 1000. It is preferable to make it.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server 1000 are defined by the customer in the financial account. It functions as a financial transaction interface for registering financial transaction request information for transfer of funds to unopened financial accounts.

The financial transaction request information transmitted from the financial transaction terminal 1055 to the financial transaction server 1000 for the transfer of funds from the financial account to a predetermined non-opened financial account, the financial account information and the transfer amount information of a predetermined remittance And transaction authentication information, payee unique information, and funds transfer authentication information.

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, a branch code) and contact person information (for example, a name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.).

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information includes limit period information in which the transfer amount is withdrawn (or withdrawal) from the remitter's financial account, and the transfer amount is transferred to the recipient's financial account matching with the recipient's unique information. Preferably, the remittance amount is withdrawn (or runaway) from the remitter's financial account to the remittee's financial account until the recipient's financial account matching the unique information of the payee is not registered until the period of the period of money transfer. When the amount of the transferred money is not transferred and deposited (e.g., the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed); The amount is preferably refunded to the remitter financial account.

The financial transaction server 1000 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1055 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be 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 financial transaction terminal 1055 is a window terminal connected to a predetermined financial network, the financial transaction server 1000 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the exemplary embodiment of the present invention, the financial transaction server 1000 includes an interface unit 1005 for connecting and managing a predetermined communication channel with the financial transaction terminal 1055 through the financial network. do.

According to an embodiment of the present invention, when the financial transaction terminal 1055 is a window terminal connected to a predetermined financial network, the interface unit 1005 may be connected to the window terminal 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 or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 10, the financial transaction server 1000 may be configured such that a predetermined financial transaction terminal 1055 connects a communication channel with the financial transaction server 1000 through the interface unit 1005, and / or the communication. When a financial transaction for money transfer is requested from the financial account to a predetermined non-opened financial account through a channel, the financial transaction terminal 1055 interoperates with the interface unit 1005 to input predetermined financial transaction request information ( Or an interface providing unit 1010 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 1055, and the financial transaction terminal 1055. In the case where a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1010 may be omitted.

The interface provider 1010 may be configured such that a predetermined financial transaction terminal 1055 connects a communication channel with the financial transaction server 1000 through the interface unit 1005, and / or the financial account through the communication channel. Requests a financial transaction for transfer of funds to a predetermined non-opened financial account, inputs (or selects) the financial transaction request information in response to a functional configuration provided in the financial transaction terminal 1055 and through the financial network. A user that generates a predetermined user interface that can be transmitted to the financial transaction server 1000, and / or extracts from a predetermined database (not shown), and generates and / or extracts the user in cooperation with the interface unit 1005. An interface may be provided to the financial transaction terminal 1055 through the financial network.

According to an embodiment of the present invention, when the financial transaction terminal 1055 is a window terminal connected to a predetermined financial network, the interface provider 1010 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 1055 and transmitting the financial transaction request information to the financial transaction server 1000 through the financial network is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 1010 for providing the user interface to the financial transaction terminal 1055 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information. It is preferable to include an interface function to transmit to the financial transaction server 1000.

Referring to FIG. 10, the financial transaction server 1000 stores at least one remitter's financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information at the financial transaction terminal 1055 through the user interface. When the financial transaction request information including one or more information is input (or selected) and transmitted, the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information are linked with the interface unit 1005. An information receiving unit 1015 for receiving the financial transaction request information including at least one, and the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the money transfer included in the received financial transaction request information; Validation unit 1025 for checking the validity of the authentication information, and in connection with the financial system Based on the financial transaction request information that has been validated, a financial transaction processing unit 1030 for processing a financial transaction for transferring funds from the financial account to a predetermined non-opened financial account and a fund transfer history corresponding to the financial transaction request information A predetermined financial transaction for a financial transaction for transfer of funds from the financial account to a predetermined unopened financial account in association with the information storage unit 1035 and the financial transaction processing unit 1030 stored in a predetermined storage medium 1050. And an information transmitter 1020 for generating result information and transmitting the financial transaction result information to the financial transaction terminal 1055 in association with the interface unit 1005. 1020 generates predetermined financial account opening request information corresponding to the unique payee information and writes down the recipient's messenger ID, e-mail address, and wireless terminal; It is characterized in that it further comprises transmitting to at least one recipient communication means.

The financial transaction terminal 1055 inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface. ) To the financial transaction server 1000 through the financial network.

The information receiving unit 1015 requests the financial transaction including at least one or more remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information through the user interface at the financial transaction terminal 1055. When the information is input (or selected) and transmitted through the financial network, the financial transaction request information is received in association with the interface unit 1005, and the validity confirmation unit receives the received financial transaction request information. Provided at 1025.

The remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, a branch code) and contact person information (for example, a name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.).

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information includes limit period information in which the transfer amount is withdrawn (or withdrawal) from the remitter's financial account, and the transfer amount is transferred to the recipient's financial account matching with the recipient's unique information. Preferably, the remittance amount is withdrawn (or runaway) from the remitter's financial account to the remittee's financial account until the recipient's financial account matching the unique information of the payee is not registered until the period of the period of money transfer. When the amount of the transferred money is not transferred and deposited (e.g., the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed); The amount is preferably refunded to the remitter financial account.

The validity confirming unit 1025 is characterized by checking whether the financial transaction request information received from the financial transaction terminal 1055 satisfies the validity for transfer of funds from a financial account to a predetermined non-opened financial account.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 700 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 700 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 700 on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1030 and the remitter financial account information included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the remitter financial account; Based on the transfer amount information, transaction authentication information, payee unique information and money transfer authentication information, the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account is characterized in that it is processed.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 1030 withdraws the transfer amount from the remitter's financial account based on the financial transaction request information and transfers it to the recipient unique information included in the financial transaction request information. Process a financial transaction, generate a withdrawal transaction history for transferring the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information, and store the withdrawal transaction history in the remitter's financial account ledger provided on the financial system. Preferably, the information storage unit 1035 is a remitter financial account information and the transfer amount information included in the financial transaction request information (or the money transfer history corresponding to the financial transaction request information), and the unopened financial account By linking the recipient's unique information and the funds transfer certification information for the unopened financial account. To store the definition storage medium (1050) is preferred.

According to another exemplary embodiment of the present invention, the financial transaction processing unit 1030 withdraws the transfer amount from the remitter's financial account based on the financial transaction request information to payee unique information included in the financial transaction request information. The bank account of the remitter provided on the financial system by generating a withdrawal transaction history that processes the financial transaction, and transfers the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information. It is preferable to set a lock on the amount corresponding to the transfer amount among the amounts deposited in the information, and the information storage unit 1035 is the financial transaction request information (or the money transfer history corresponding to the financial transaction request information) Remitter financial account information and transfer amount information contained in, and corresponding to the non-opened financial account Chwiin unique information and non-open processing of money transfers authentication information about the financial account linked to is preferably stored in a storage medium (1050).

When the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is processed by the financial transaction processing unit 1030, the information transmission unit 1020 is linked with the financial transaction processing unit 1030 to the financial account. Generates a money transfer history including any one of money transfer result information or money transfer error information for a financial transaction for money transfer to a predetermined unopened financial account, and transfers the money in connection with the interface unit 1005. The financial transaction result information including the details may be transmitted to the financial transaction terminal 1055 through the financial network.

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information, and the approval of the money transfer financial transaction. It is characterized in that it further comprises a code (or error code).

The financial transaction result information may include a protocol structure for transmitting the generated money transfer history to the financial transaction terminal 1055 through the financial network, and receiving the financial transaction result information. The terminal 1055 outputs a predetermined financial transaction receipt including the money transfer history included in the predetermined financial transaction result information.

After the financial transaction processing unit 1030 processes the money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the information transmission unit 1020 corresponds to the receiver specific information. Characterized in that for generating the financial account opening request information.

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, including that the transfer of funds from the remitter's financial account to the payee corresponding to the payee's unique information occurs. Preferably, the payee includes at least one financial account request information for requesting to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

Thereafter, the information transmitting unit 1020 transmits to the recipient communication means including at least one messenger ID, an e-mail address, and a wireless terminal of the recipient, wherein the recipient communication means information is included in the financial transaction request information. If it is confirmed from the included unique payee information, or if the recipient communication means information is not included in the financial transaction request information, it is preferable that the recipient communication means information is provided separately from the client terminal used by the remitter.

Referring to FIG. 10, after the financial transaction processing unit 1030 processes a money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the financial transaction server 1000 displays the drawing. 1 and / or an information confirming unit 1040 for confirming that a payee financial account matching the payee unique information is opened in connection with the financial company server 100 on the open system of the bank account shown in FIG. 6; Recipient authentication unit (1045) certifying that the transfer of the transfer amount included in the fund transfer history to the beneficiary financial account via the funds transfer authentication information (or the recipient unique information) when the matching recipient financial account is established. And the transfer amount included in the money transfer details by the payee authentication unit 1045. If the transfer to the financial account is authenticated, the financial transaction processing unit 1030 transfers the transfer amount withdrawn from the remitter's financial account to the beneficiary financial account according to the financial transaction procedure to process the financial transaction. Characterized in that, during the financial transaction processing to transfer the deposit amount withdrawn from the remitter financial account to the beneficiary financial account, the information transmission unit 1020 funds for the unopened financial account (or payee financial account). It is characterized in that the transfer history information is generated and transmitted to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, and wireless terminal).

In addition, the information check unit 1040 is characterized in that the current transfer period for the non-opened financial account (or payee financial account) is read by reading the information on the period of money transfer included in the details of the money transfer, As a result of the check, when the period of transfer of funds for the unopened financial account (or payee financial account) has passed, the financial transaction processing unit 1030 transfers the transfer amount withdrawn from the remitter financial account according to the financial transaction procedure. And a financial transaction for refunding a financial account. In the financial transaction processing for refunding a transfer amount withdrawn from the remitter's financial account, the information transmitting unit 1020 performs the unopened financial account. Generate money transfer error information for a payee financial account (e.g., a messenger of the remitter); Remitter communication means including at least one of an ID, an e-mail address, and a wireless terminal.

The information checking unit 1040 is connected to the financial company server 100 on the financial account opening system shown in FIGS. 1 and / or 6 to provide financial account application information provided from the financial account registration customer in the financial account registration process. Customer information (e.g., customer name and social security number, web server member information, or messenger information, or e-mail address information, or wireless terminal information) included in the information contained in the money transfer history stored in the storage medium 1050; By checking the payee unique information (e.g., payee name and social security number, web server member information, messenger information, e-mail address information, or wireless terminal information), check whether a payee financial account matching the payee unique information is established. Characterized in that.

When it is confirmed by the information confirming unit 1040 that a payee financial account matching the payee unique information is opened, the payee authentication unit 1045 transfers the funds through the money transfer authentication information (or payer unique information). It is characterized in that the transfer of the transfer amount contained in the details to the beneficiary financial account for depositing the deposit.

According to the exemplary embodiment of the present invention, when it is confirmed by the information confirming unit 1040 that a payee financial account matching with the payee unique information is established, the payee authenticating unit 1045 is the drawings 1 and / or 6. In connection with the financial company server 100 on the financial account opening system shown in the request to the customer terminal of the beneficiary to input and provide a predetermined funds transfer authentication information (or recipient unique information), and with the financial company server 100 In connection with receiving the money transfer authentication information (or payee unique information) from the customer terminal of the payee, the received money transfer authentication information (or payee unique information) and the money transfer authentication information (stored in the storage medium 1050) Or by verifying payee unique information), and verifying that the transfer amount included in the money transfer details is transferred to the payee financial account and deposited. It is preferred.

If it is authenticated that the recipient authentication unit 1045 transfers the deposit amount included in the details of the money transfer to the beneficiary financial account and deposits the financial transaction processing unit 1030, the storage medium according to the financial transaction procedure. Characterize in that the financial transaction is processed by transferring the transfer amount withdrawn from the remitter financial account included in the money transfer history stored in 1050 to the recipient financial account to deposit.

According to an exemplary embodiment of the present invention, the financial transaction processing unit 1030 transfers the transfer amount withdrawn from the remitter's financial account to the beneficiary financial account based on the money transfer history stored in the storage medium 1050. Process the deposit financial transaction, transfer the transfer amount withdrawn from the remitter's financial account to the beneficiary financial account to generate a deposit transaction history and store in the remittee's financial account ledger provided on the financial system It is preferable.

According to another exemplary embodiment of the present invention, the financial transaction processing unit 1030 transfers the transfer amount withdrawn from the remitter's financial account to the beneficiary financial account based on the money transfer history stored in the storage medium 1050. A withdrawal transaction history for processing a financial transaction by transferring money, releasing a lock on the transfer amount withdrawn from the remitter financial account, and withdrawing the unlocked transfer amount from the remitter financial account; It is preferable to generate a deposit transaction history of depositing the transfer amount and deposit the transferred transfer amount to the payee financial account and store it in the remittee financial account ledger and the payee financial account ledger provided on the financial system.

Thereafter, the information transmission unit 1020 generates money transfer history information including a deposit transaction history of depositing and depositing a transfer amount withdrawn (or withdrawal) from the remitter financial account to the payee financial account, and The money transfer history information generated is characterized in that it is transmitted to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

In addition, the information confirmation unit 1040 compares and reads the money transfer period information included in the money transfer history with the current date and time information checked through a predetermined timer (not shown), and withdraws (or runs away from) the remitter's financial account. And the period of the transfer of the transferred transfer amount to the unopened financial account (or the recipient financial account) has elapsed.

As a result of the check, when the period of transfer of funds for the unopened financial account (or payee financial account) has passed, the financial transaction processing unit 1030 transfers the transfer amount withdrawn from the remitter financial account according to the financial transaction procedure. Processes the financial transaction to be refunded to the financial account, and generates a money refund history for refunding the amount of the transfer amount processed by the financial transaction processing unit 1030 to the remitter financial account provided on the financial system It is preferable to store the remitter in the financial account ledger.

Subsequently, the information transmitter 1020 generates money refund history information including a refund of money for refunding the transfer amount withdrawn (or withdrawal) from the remitter financial account to the remitter financial account, and the generated It is characterized by transmitting the reimbursement details information to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

11 is a diagram illustrating a ledger configuration corresponding to a remitter financial account provided in a financial system for a face-to-face financial transaction for transfer of funds from a financial account to an unopened financial account according to an embodiment of the present invention.

In more detail, FIG. 11 illustrates the remitter financing opened through the financial account opening system shown in FIGS. 1 and / or 6 in the ledger D / B 1100 provided in the DBMS on the financial system shown in FIG. A method of implementing an account having an account ledger corresponding to an account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to make a predetermined unopened finance in the financial account. Various implementation methods for the ledger configuration corresponding to the remitter financial account provided in the financial system for transferring funds to the account may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1100 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B 1100 provided in the main office maintains and manages at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included to further understand and will be familiar with specific technical matters. A detailed description thereof will be omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, CIF (Customer Information File) number, country code, contact ID, branch number , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, 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.

The ledger is a ledger corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, last deposit date, last withdrawal amount, final deposit amount At least one or more of the final withdrawal amount, the number of unpaid account transactions, interest rate account accounting, the consolidation status, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic receipt information including at least one of a number, abstention (months), period (days), period extension, expiration date and target amount, and / or account number corresponding to the ledger, deposit , Trust receipt information including at least one face value, a pension date, and the number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, an RBI, a batch corresponding to the account ledger; It includes transaction history information including at least one of a batch number, a compound transaction, a calculation date, a 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.

12 is a diagram illustrating a process of processing a financial transaction for transfer of funds from a financial account to an unopened financial account in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a case in which the financial transaction server 1000 on the financial transaction system illustrated in FIG. 10 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the financial transaction server 1000 to connect a communication channel for the financial transaction, the financial account information, the transfer amount information, and the transaction authentication information of the remitter to the financial transaction server 1000 through the communication channel. And the financial transaction request information including the recipient unique information and the money transfer authentication information, the financial transaction server 1000, the remitter financial account information and the transfer amount information and the transaction authentication included in the received financial transaction request information. Financing for transfer of funds from the financial account to a predetermined non-opened financial account using the information, the recipient's unique information, and the funds transfer authentication information. As for a method of providing a transaction, one of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 12 to finance from a financial account to a predetermined unopened financial account in the face-to-face manner. Various implementation methods for the process of processing the financial transaction for the transfer may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the window terminal shown in FIG. 10 is referred to as "terminal" for convenience, and the financial transaction server 1000 shown in FIG. 10 is referred to as "server" for convenience.

Referring to FIG. 12, the terminal illustrated in FIG. 10 connects a communication channel for at least one financial transaction with the server through the financial network, and transfers funds from the financial account to a predetermined unopened financial account. A user interface for inputting (or selecting) financial transaction request information including at least one or more of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information is output (1200).

Thereafter, a predetermined application (eg, from the financial account to the predetermined unopened financial account) includes at least one or more of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information from the customer. A document having a form for filling in at least one information item for the transfer of funds) is completed and submitted, the terminal receives the remitter financial account information and the transfer amount information and transaction authentication included in the application through the user interface. Input (or select) financial transaction request information including at least one of information, payee identification information, and money transfer authentication information (1205), and transfer the financial account information and the remitter financial account information through a financial network connecting the terminal and the server; At least the amount information, transaction verification information, The financial transaction request information including one or more is transmitted to the server (1215).

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information includes limit period information in which the transfer amount is withdrawn (or withdrawal) from the remitter's financial account, and the transfer amount is transferred to the recipient's financial account matching with the recipient's unique information. Preferably, the recipient's financial account matching with the recipient's unique information is not newly registered until the money transfer period information elapses, or the transfer amount is withdrawn from the remitter's financial account to the recipient's financial account (or When the amount of the debited transfer is transferred and is not deposited (e.g., the validity of the transfer of money (or the payee) is not verified through the money transfer authentication information until the period of the transfer of money), The transfer amount is preferably refunded to the remitter financial account.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial network. The validity of the request information is checked (1220).

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account for the financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 1100 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 1100 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B (1100) on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1225), the server generates (1230) a money transfer history including predetermined money transfer error information corresponding to the validity error information, and establishes the financial network. The financial transaction result information including the money transfer history is transmitted to the terminal and output (1235).

On the other hand, if the validity of the financial transaction request information is authenticated (1225), the server is linked with the financial system equipped with an account ledger corresponding to the remitter financial account and the remitter financial account information included in the financial transaction request information; In operation 1240, a withdrawal (or withdrawal) financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is processed based on the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information.

According to an embodiment of the present invention, the server processes the financial transaction withdrawing the transfer amount from the remitter financial account based on the financial transaction request information and transferring it to the recipient unique information included in the financial transaction request information. Preferably, the withdrawal transaction details for transferring the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information are preferably stored in the remitter's financial account ledger provided on the financial system.

According to another exemplary embodiment of the present invention, the server performs a financial transaction to debit the transfer amount from the remitter's financial account based on the financial transaction request information and to transfer the funds to payee unique information included in the financial transaction request information. An amount of money deposited in the remitter's financial account ledger provided on the financial system by generating a withdrawal transaction history which transfers the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information. It is preferable to set a lock on the amount corresponding to the transfer amount.

If a withdrawal (or withdrawal) financial transaction for transfer of funds to the open bank account is processed (1245), the server displays the result of withdrawal (or withdrawal) financial transaction for transfer of funds to the open bank account. Generate a transfer history including the fund (1250).

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information, and the approval of the money transfer financial transaction. It is characterized in that it further comprises a code (or error code).

Thereafter, the server stores at least one linker of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information included in the money transfer history in the storage medium 1050. (1255).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or financial transaction request information corresponding to the money transfer history), and recipient unique information corresponding to the unopened financial account. And the transfer of funds transfer authentication information for the unopened financial account is preferably stored in a predetermined storage medium 1050.

In addition, the server transmits the financial transaction result information including the money transfer history to the terminal through the financial network (1260), and correspondingly, the terminal prints and outputs a financial transaction receipt including the money transfer history. (1265).

FIG. 13 illustrates a process of depositing a transfer amount withdrawn (or withdrawal) from a remitter's financial account into a recipient's financial account to transfer funds to an unopened financial account according to an embodiment of the present invention.

In more detail, in FIG. 13, the withdrawal amount (or withdrawal) process is performed in the remitter financial account shown in FIG. 12, so that the remitter financial account information, the transfer amount information, and the After the money transfer history for the unopened financial account including at least one payee unique information corresponding to the unopened financial account, the funds transfer authentication information for the unopened financial account, and the period of money transfer period is stored, the financial transaction Transfer withdrawal (or withdrawal) from the remitter's financial account based on the money transfer history for the unopened financial account in connection with the financial institution server 100 shown in Figure 1 and / or Figure 6 in the server 1000 In the technical field to which the present invention belongs to the process of depositing the amount of money transfer to the recipient financial account corresponding to the non-opened financial account, If the person skilled in the art, the process of depositing the transfer amount withdrawn (or withdrawal) from the remitter's financial account for the transfer of funds to the unopened financial account by referring to and / or modifying the drawing 13 Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the financial transaction server 1000 on the financial transaction system illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 13, a transfer amount withdrawal (or a withdrawal) process is performed in the remitter financial account shown in FIG. 12, so that the remitter financial account information, the transfer amount information, and the unused amount are transferred to the storage medium 1050. When the money transfer history for the unopened financial account including at least one payee unique information corresponding to the open financial account, money transfer authentication information, and money transfer period information for the unopened financial account is stored, the server may be configured. Generate predetermined financial account opening request information corresponding to unique payee information, and transmit the generated financial account opening request information to a recipient communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal ( 1300).

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, which includes the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. Preferably, the payee includes at least one financial account request information for requesting a beneficiary to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

In addition, the recipient communication means information is confirmed from the recipient specific information included in the money transfer history for the non-opened financial account, or if the recipient communication means information is not included in the financial transaction request information, Preferably, the recipient communication means information is provided separately.

Thereafter, the server checks whether at least one new financial account is registered in connection with the financial institution server 100 illustrated in FIGS. 1 and / or 6 (1305).

If it is confirmed that at least one new financial account is registered (1310), the server checks whether the new financial account is opened to the payee financial account through payee unique information stored in the storage medium 1050 (1315). .

According to an embodiment of the present invention, the server is financed provided from the financial account registration customer in the financial account registration process in connection with the financial company server 100 on the financial transaction establishment system shown in Figure 1 and / or Figure 6 Customer information (for example, customer name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information) included in the account opening request information and the non-opening stored in the storage medium 1050. By comparing the payee unique information (e.g., payee name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information, etc.) included in the funds transfer history for the financial account, the payee unique information. It is desirable to verify that a beneficiary financial account matching with is established.

If it is not confirmed that the beneficiary financial account is opened (1320), the server checks whether the money transfer period for the beneficiary financial account has elapsed in connection with the storage medium 1050 (1325).

According to an embodiment of the present invention, the server compares and reads the money transfer period information included in the money transfer history for the non-opened financial account with the current date and time information checked through a predetermined timer (not shown), and the remitter It is advisable to check whether the period for transferring the withdrawal (or withdrawal) from the financial account to the unopened financial account (or payee financial account) has passed.

If the check result is that the money transfer period has not elapsed (1330), the server repeats the process of checking whether the payee financial account is opened until the money transfer period elapses.

On the other hand, if the check transfer period has passed (1330), the server processes the financial transaction to refund the transfer amount for the beneficiary financial account to the remitter financial account in connection with the financial system in which the remitter financial account is opened. In operation 1340, predetermined money refund detail information corresponding to the money refund is transmitted to the remitter communication unit (1340).

According to the implementation method of the present invention, when the fund transfer period for the unopened financial account (or payee financial account) has passed, the server transfers the money withdrawn from the remitter financial account according to the financial account operation procedure Process the financial transaction to refund the money amount to the remitter's financial account, generate a refund history for refunding the money amount corresponding to the transfer amount to the remitter's financial account and send it to the remitter's financial account ledger provided on the financial system. It is desirable to store.

Thereafter, the server generates money refund history information including a money refund history for refunding the transfer amount withdrawn (or withdrawal) from the remitter financial account to the remitter financial account, and the generated money refund history information. And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or separately received the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter the funds It is desirable to save it in connection with the transfer history.

On the other hand, when it is confirmed that the beneficiary financial account is opened (1320), the server requests predetermined money transfer authentication information to the beneficiary client terminal in connection with the financial company server 100 shown in FIG. 1 and / or FIG. (1345), after receiving the money transfer authentication information from the beneficiary customer terminal in connection with the financial company server 100 (1350), and transfers the received money transfer authentication information and the money stored in the storage medium 1050. The authentication information is compared to check the validity of the money transfer financial transaction (or the recipient of the money transfer or the recipient of the money transfer) (1355).

If the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is not authenticated (1330), the server provides a financial system in which the remitter financial account is opened. In connection with the processing of the financial transaction that refunds the transfer amount for the recipient financial account to the remitter financial account (1335), and transfers the predetermined amount of refund information corresponding to the refund of funds to the remitter communication means (1340). ).

According to the implementation method of the present invention, when the funds transfer period for the unopened financial account (or payee financial account) has passed, the server transfers the money withdrawn from the remitter financial account according to the financial account operation procedure Process the financial transaction to refund the money amount to the remitter's financial account, generate a refund history for refunding the money amount corresponding to the transfer amount to the remitter's financial account and send it to the remitter's financial account ledger provided on the financial system. It is desirable to store.

Thereafter, the server generates money refund history information including a money refund history for refunding the transfer amount withdrawn (or withdrawal) from the remitter financial account to the remitter financial account, and the generated money refund history information. And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

On the other hand, if the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is authenticated (1360), the server opens the remitter financial account and the recipient financial account. In connection with the established financial system, a deposit financial transaction for transfer of funds to the beneficiary financial account is processed (1365).

When the transfer amount is withdrawn from the remitter financial account according to an embodiment of the present invention, the server is based on the money transfer history for the unopened financial account stored in the storage medium 1050 in the remitter financial account Process a financial transaction by transferring the withdrawn money to the beneficiary financial account, and generate a deposit transaction detail by transferring the money withdrawn from the remitter financial account to the beneficiary financial account to generate the deposit transaction details; It is preferable to store in the recipient's financial account ledger provided on the.

According to another embodiment of the present invention, when the transfer amount is withdrawn from the remitter's financial account, the server provides the remitter's finance based on the money transfer history for the unopened financial account stored in the storage medium 1050. Process the financial transaction by transferring the transfer amount withdrawn from the account to the beneficiary financial account, release the lock on the transfer amount withdrawn from the remitter's financial account, and the lock in the remitter's financial account. The withdrawal transaction details for withdrawing the canceled transfer amount and the transfer transaction details for depositing and depositing the withdrawal transfer amount to the payee financial account are provided on the financial system ledger and the recipient's finance It is desirable to store in the account ledger.

If a deposit financial transaction for transfer of funds to the beneficiary financial account is processed (1370), the server transfers the deposit amount withdrawn (or withdrawn) from the remitter financial account to the beneficiary financial account and deposits it. Generate money transfer history information including details, and transmit the generated money transfer history information to the remitter communication means (eg, the remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal). (1375).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

14 illustrates a non-face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account according to another embodiment of the present invention.

In more detail, FIG. 14 shows a bank account information, a transfer amount information, a transaction authentication information, and a remitter, for a predetermined customer to transfer funds from the financial account to a predetermined unopened financial account through a predetermined financial transaction interface. When providing financial transaction request information including at least one payer unique information and funds transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication information included in the provided financial transaction request information in the financial transaction system; A system configuration for providing a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account using unique payee information and funds transfer authentication information, and has a general knowledge in the technical field to which the present invention belongs. If so, the present invention may be referred to and / or modified with reference to FIG. Various implementation methods for constructing a financial transaction system for transferring funds to an unopened financial account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. .

Hereinafter, on the financial transaction system shown in FIG. 14, a financial transaction for transfer of funds from the financial account to a predetermined unopened financial account is provided using the financial transaction request information provided from the customer through a predetermined financial transaction interface. Components corresponding to at least one or more means and / or functional configurations are referred to as " financial transaction server 1400 " for convenience, and the financial transaction server 1400 in FIG. 14 providing the non-face-to-face financial transaction service. Preferably, all kinds of non-face-to-face banking servers include at least one or more of an Internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 14 according to an embodiment of the present invention, a financial transaction system for transferring funds from the financial account to a non-opened financial account includes at least one wired terminal and / or a wireless terminal used by a customer. A financial transaction terminal 1455 including at least one client terminal or the like, network means corresponding to a wired and / or wireless communication network to which the financial transaction terminal 1455 is connected, and the financial transaction terminal through the network means. A financial transaction server 1400 connected to a 1455 and processing a financial transaction for transferring money from the financial account to a predetermined non-opened financial account and through the financial account opening system shown in FIGS. 1 and / or 6 The opened remitter financial account is characterized by including the opened financial system.

The financial system that processes at least one financial transaction service through the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 in connection with the financial transaction server 1400 may include: At least one window terminal provided at a branch (and / or branch) of the institution and a predetermined financial network (for example, a branch network), and through the window terminal, Provide face-to-face financial transaction services.

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

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

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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

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

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

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

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

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 1100 for storing at least one ledger, wherein the ledger D / B 1100 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) And the information is stored in a relational manner. The ledger information is shown in FIG. It characterized in that / or drawing which comprises a predetermined account ledger corresponding to the financial account opening 6 of the sender through the financial account opening system shown in.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 1100 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer accesses the financial transaction server 1400 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 transaction request information is input (or selected) from the financial account to a predetermined non-opened financial account through the at least one user interface provided by the financial transaction server 1400, the client terminal receives the predetermined transaction information. It is preferable to transmit to the financial transaction server 1400 provided on the financial transaction system through the network means.

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 a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (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 information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial transaction server 1400 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 transaction server 1400 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks 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 transaction server 1400, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 1400. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function, or a predetermined communication program and a communication function communicating with the financial transaction server 1400, 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 transaction system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1400 and And / or the wireless communication network functions as a financial transaction interface for the customer to register financial transaction request information for the transfer of funds from the financial account to a predetermined non-opened financial account.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1455 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. A telephone automation network (Cash Dispenser; CD) further comprises, and / or a wired telephone network such as a predetermined public switched telephone network (PSTN), VoIP (Voice over IP) network Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1455 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial transaction server A financial network connecting 1400 performs a function of a financial transaction interface for the customer to register financial transaction request information for transfer of funds from the financial account to a predetermined non-opened financial account, and / or the financial transaction. When the terminal 1455 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 1400 may be used. Perform a function of a financial transaction interface for a customer to register financial transaction request information for transfer of funds from the financial account to a predetermined non-opened financial account, and / or the gold In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is a fusion transaction terminal 1455, the terminal (and / or server) (not shown) and the terminal (and / or Server) (not shown) and the network that connects the financial transaction server 1400 may include a financial transaction interface for registering the financial transaction request information for the transfer of funds from the financial account to a predetermined non-opened financial account. Perform a function

The financial transaction server 1400 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1455 through a predetermined network means, and includes at least one server. (Or a device), and / or may be 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 financial transaction terminal 1455 is a client terminal including a wired terminal and / or a wireless terminal connectable with an internet banking server on a predetermined internet banking system, the financial transaction server 1400. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1455 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 1400 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless 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 another exemplary embodiment of the present invention, when the financial transaction terminal 1455 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 1400 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the alien, a program provided in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1455 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the financial transaction server 1400 may be A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The financial transaction request information transmitted from the financial transaction terminal 1455 to the financial transaction server 1400 for the transfer of funds from the financial account to a predetermined non-opened financial account is financial account information and a transfer amount information of a predetermined remittance. And transaction authentication information, payee unique information, and funds transfer authentication information.

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, a branch code) and contact person information (for example, a name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.).

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined unopened financial account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the transaction authentication information is characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction Certified certificate information included in the terminal 1455 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1455), or at least one or more included in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information includes limit period information in which the transfer amount is withdrawn (or withdrawal) from the remitter's financial account, and the transfer amount is transferred to the recipient's financial account matching with the recipient's unique information. Preferably, the remittance amount is withdrawn (or runaway) from the remitter's financial account to the remittee's financial account until the recipient's financial account matching the unique information of the payee is not registered until the period of the period of money transfer. When the amount of the transferred money is not transferred and deposited (e.g., the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed); The amount is preferably refunded to the remitter financial account.

According to an embodiment of the present invention, the financial transaction server 1400 is provided with an interface unit 1405 for connecting and managing a predetermined communication channel with the financial transaction terminal 1455 through the network means. do.

According to an embodiment of the present invention, when the financial transaction terminal 1455 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 unit 1405 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server 1400, the interface unit 1405 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 financial transaction terminal 1455 is a financial automatic device connected to a predetermined financial network, the interface unit 1405 may perform the financial 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 an automation 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 financial transaction terminal 1455 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 is a protocol stack defined in the wireless communication 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 a communication program provided in the client terminal and connecting a predetermined communication channel with 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 1405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., 16 WML (16 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 transaction server 1400, the interface unit 1405 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 financial transaction terminal 1455 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1405 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 financial transaction terminal 1455 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1405 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 14, the financial transaction server 1400 may be configured such that a predetermined financial transaction terminal 1455 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the communication. When a financial transaction for money transfer is requested from the financial account to a predetermined non-opened financial account through a channel, the predetermined financial transaction request information is input from the financial transaction terminal 1455 in cooperation with the interface unit 1405 ( Or an interface providing unit 1410 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 1455, and the financial transaction terminal 1455. In the case where a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1410 may be omitted.

The interface providing unit 1410 is provided in the financial transaction terminal 1455 after a predetermined financial transaction terminal 1455 connects a communication channel with the financial transaction server 1400 through the interface unit 1405. Corresponding to the functional configuration, generate a predetermined user interface capable of inputting (or selecting) the financial transaction request information to the financial transaction server 1400 via the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 1405 to the financial transaction terminal 1455 through the network means.

According to an embodiment of the present invention, when the financial transaction terminal 1455 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 1410. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1405. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1455 is a financial automatic device connected to a predetermined financial network, the interface providing unit 1410 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 1405.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1455 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1455 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1410 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1405 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1455 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 1410 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405. Do.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 1455 and transmitting the information to the financial transaction server 1400 through the network means is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 1410 for providing the user interface to the financial transaction terminal 1455 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information. It is preferable to include an interface function to transmit to the financial transaction server 1400.

Referring to FIG. 14, the financial transaction server 1400 stores at least one remitter's financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information at the financial transaction terminal 1455 through the user interface. When the financial transaction request information including one or more information is input (or selected) and transmitted, the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information are linked with the interface unit 1405. An information receiving unit 1415 which receives the financial transaction request information including at least one of the at least one and the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the funds included in the received financial transaction request information; Validation unit 1425 for checking the validity of the transfer authentication information, and in connection with the financial system A financial transaction processing unit 1430 for processing a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account based on previously validated financial transaction request information, and details of money transfer corresponding to the financial transaction request information. A predetermined finance for a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account in association with the information storage unit 1435 and the financial transaction processing unit 1430 for storing the data in a predetermined storage medium 1450. And an information transmitter 1420 for generating transaction result information and transmitting the financial transaction result information to the financial transaction terminal 1455 in association with the interface unit 1405. The unit 1420 generates predetermined financial account opening request information corresponding to the unique payee information, and records the recipient ID, the e-mail address, and the wireless terminal. It is characterized in that it further comprises transmitting to at least one recipient communication means.

The financial transaction terminal 1455 inputs financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface (or And transmit to the financial transaction server 1400 via the network means.

The information receiving unit 1415 may request a financial transaction including at least one or more remitter's financial account information, transfer amount information, transaction authentication information, beneficiary unique information, and money transfer authentication information in the financial transaction terminal 1455 through the user interface. When the information is input (or selected) and transmitted through the network means, the financial transaction request information is received in association with the interface unit 1405, and the validity verification unit receives the received financial transaction request information. Provided at (1425).

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, a branch code) and contact person information (for example, a name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.).

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined unopened financial account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial At least one or more security code information (eg, one or more security codes, or two or more security codes) included in the security card provided to the customer during the account opening process, and / or the OTP ( One Tome Password) is preferably made by further comprising the OTP code generated by the generator.

In addition, the transaction authentication information is characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction Certified certificate information included in the terminal 1455 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1455), or at least one or more included in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information includes limit period information in which the transfer amount is withdrawn (or withdrawal) from the remitter's financial account, and the transfer amount is transferred to the recipient's financial account matching with the recipient's unique information. Preferably, the remittance amount is withdrawn (or runaway) from the remitter's financial account to the remittee's financial account until the recipient's financial account matching the unique information of the payee is not registered until the period of the period of money transfer. When the amount of the transferred money is not transferred and deposited (e.g., the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed); The amount is preferably refunded to the remitter financial account.

The validity confirming unit 1425 checks whether the financial transaction request information received from the financial transaction terminal 1455 satisfies the validity for transferring funds from a financial account to a predetermined unopened financial account.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account for the financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 1100 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 1100 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B (1100) on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed by the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B 1100 on the financial system corresponding to the remitter financial account It is preferable that the security code information is included, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1455, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1430 is connected with a financial system equipped with an account ledger corresponding to the remitter financial account and the remitter financial account information included in the financial transaction request information. Based on the transfer amount information, transaction authentication information, payee unique information and money transfer authentication information, the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account is characterized in that it is processed.

According to an exemplary embodiment of the present invention, the financial transaction processing unit 1430 withdraws the transfer amount from the remitter's financial account based on the financial transaction request information and transfers it to the recipient unique information included in the financial transaction request information. Process a financial transaction, generate a withdrawal transaction history for transferring the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information, and store the withdrawal transaction history in the remitter's financial account ledger provided on the financial system. Preferably, the information storage unit 1435 is a remitter financial account information and transfer amount information included in the financial transaction request information (or the transfer history corresponding to the financial transaction request information), and the unopened financial account By linking the recipient's unique information corresponding to the funds transfer authentication information for the unopened financial account To store the definition storage medium (1450) is preferred.

According to another exemplary embodiment of the present invention, the financial transaction processing unit 1430 withdraws the transfer amount from the remitter's financial account based on the financial transaction request information to payee unique information included in the financial transaction request information. The bank account of the remitter provided on the financial system by generating a withdrawal transaction history that processes the financial transaction, and transfers the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information. It is preferable to set a lock on the amount corresponding to the transfer amount among the amounts deposited in the information, and the information storage unit 1435 is the financial transaction request information (or the details of the money transfer corresponding to the financial transaction request information) Remitter financial account information and transfer amount information contained in, and corresponding to the non-opened financial account Chwiin unique information and non-open processing of money transfers authentication information about the financial account linked to is preferably stored in a storage medium (1450).

When the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is processed by the financial transaction processing unit 1430, the information transmission unit 1420 is linked with the financial transaction processing unit 1430 to the financial account. Generates a money transfer history including any one of money transfer result information or money transfer error information for a financial transaction for money transfer to a predetermined unopened financial account, and transfers the money in association with the interface unit 1405. The financial transaction result information including the details may be transmitted to the financial transaction terminal 1455 through the network means.

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information, and the approval of the money transfer financial transaction. It is characterized in that it further comprises a code (or error code).

The financial transaction result information may include a protocol structure for transmitting the generated money transfer history to the financial transaction terminal 1455 through the network means, wherein the financial transaction result information is the financial transaction request. It is preferable that the information is encrypted similarly to the information or transmitted to the financial transaction terminal 1455 with an electronic signature of the financial institution attached thereto.

After the financial transaction processing unit 1430 processes the money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the information transmission unit 1420 corresponds to the recipient unique information. Characterized in that for generating the financial account opening request information.

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, which includes the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. It is preferable that the payee comprises at least one financial account request information requesting to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

Thereafter, the information transmitting unit 1420 transmits to the recipient communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal, wherein the recipient communication means information is included in the financial transaction request information. If it is confirmed from the included unique payee information, or if the recipient communication means information is not included in the financial transaction request information, it is preferable that the recipient communication means information is provided separately from the client terminal used by the remitter.

Referring to FIG. 14, after the financial transaction processing unit 1430 processes a money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the financial transaction server 1400 is the figure. 1 and / or an information confirming unit 1440 for confirming that a payee financial account matching with the payee unique information is opened in connection with the financial company server 100 on the open system of the bank account shown in FIG. 6; Recipient authentication unit (1445) for authenticating the transfer of the transfer amount included in the fund transfer history to the beneficiary financial account via the fund transfer authentication information (or recipient unique information) when the matching recipient financial account is opened. And the transfer amount included in the money transfer details by the payee authentication unit 1445. When it is authenticated that the transfer is made to a financial account, the financial transaction processing unit 1430 transfers the transfer amount withdrawn from the remitter's financial account to the beneficiary financial account according to the financial transaction procedure. Characterized in that, during the financial transaction processing to transfer the deposit amount withdrawn from the remitter financial account to the payee financial account, the information transmission unit 1420 is the funds for the unopened financial account (or payee financial account) It is characterized in that the transfer history information is generated and transmitted to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, and wireless terminal).

In addition, the information check unit 1440 is characterized in that the current transfer period for the non-opened financial account (or payee financial account) by reading the money transfer period information included in the money transfer history, characterized in that, As a result of the check, when the period of transfer of funds to the unopened financial account (or payee financial account) has passed, the financial transaction processing unit 1430 transfers the transfer amount withdrawn from the remitter's financial account according to the financial transaction procedure. Characterized in that the processing of the financial transaction to be refunded to the financial account, and when processing the financial transaction to refund the transfer amount withdrawn from the remitter financial account, the information transfer unit 1420 is the unopened financial account Generate money transfer error information for a payee financial account (e.g., a messenger of the remitter); Remitter communication means including at least one of an ID, an e-mail address, and a wireless terminal.

The information checking unit 1440 is connected to the financial company server 100 on the financial account opening system shown in FIGS. 1 and / or 6 to provide financial account application information provided from the financial account registration customer in the financial account registration process. Customer information (eg, customer name and social security number, web server member information, or messenger information, or e-mail address information, or wireless terminal information) included in the information contained in the money transfer history stored in the storage medium 1450. By checking the payee unique information (e.g., payee name and social security number, web server member information, messenger information, e-mail address information, or wireless terminal information), check whether a payee financial account matching the payee unique information is established. Characterized in that.

When it is confirmed by the information confirming unit 1440 that a payee financial account matching with the payee unique information is opened, the payee authentication unit 1445 transmits the funds through the money transfer authentication information (or payer unique information). Characterize that the transfer amount of the transfer amount included in the transfer history to the beneficiary financial account for depositing.

According to the method of the present invention, when it is confirmed by the information confirming unit 1440 that a payee financial account matching the payee unique information is opened, the payee authenticating unit 1445 performs the drawing 1 and / or the drawing 6. In connection with the financial company server 100 on the financial account opening system shown in FIG. 1, a request is made to input and provide predetermined funds transfer authentication information (or payee unique information) to the customer terminal of the payee, and is linked with the financial company server 100. Receiving the money transfer authentication information (or recipient unique information) from the customer terminal of the recipient, the money transfer authentication information (or recipient unique information) and the money transfer authentication information (or stored in the storage medium 1450) By authenticating payee unique information), and verifying that the transfer amount included in the money transfer details is transferred to the payee financial account and deposited. It is preferred.

If it is authenticated that the recipient authentication unit 1445 transfers the deposit amount included in the details of the money transfer to the beneficiary financial account and deposits it, the financial transaction processing unit 1430 performs the storage medium according to the financial transaction procedure. Characterize in that a financial transaction is processed by transferring the transfer amount withdrawn from the remitter financial account included in the money transfer history stored in the 1450 to the beneficiary financial account.

According to an exemplary embodiment of the present invention, the financial transaction processing unit 1430 transfers the transfer amount withdrawn from the remitter's financial account to the recipient's financial account based on the money transfer history stored in the storage medium 1450. Process the deposit financial transaction, transfer the transfer amount withdrawn from the remitter's financial account to the beneficiary financial account to generate a deposit transaction history and store in the remittee's financial account ledger provided on the financial system It is preferable.

According to another exemplary embodiment of the present invention, the financial transaction processing unit 1430 transfers the transfer amount withdrawn from the remitter's financial account to the recipient's financial account based on the money transfer history stored in the storage medium 1450. A withdrawal transaction history for processing a financial transaction by transferring money, releasing a lock on the transfer amount withdrawn from the remitter financial account, and withdrawing the unlocked transfer amount from the remitter financial account; It is preferable to generate a deposit transaction history of depositing the transfer amount and deposit the transferred transfer amount to the payee financial account and store it in the remittee financial account ledger and the payee financial account ledger provided on the financial system.

Thereafter, the information transmitting unit 1420 generates money transfer history information including a deposit transaction history of depositing and depositing a transfer amount withdrawn (or withdrawal) from the remitter's financial account to the recipient's financial account, and The money transfer history information generated is characterized in that it is transmitted to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

In addition, the information verification unit 1440 compares and reads the money transfer period information included in the money transfer history with the current date and time information checked through a predetermined timer (not shown), and withdraws (or runs away from) the remitter's financial account. And the period of the transfer of the transferred transfer amount to the unopened financial account (or the recipient financial account) has elapsed.

As a result of the check, when the period of transfer of funds to the unopened financial account (or payee financial account) has passed, the financial transaction processing unit 1430 transfers the transfer amount withdrawn from the remitter's financial account according to the financial transaction procedure. Processes the financial transaction to be refunded to the financial account, and generates a money refund history for refunding the amount of the transfer amount processed by the financial transaction processing unit 1430 to the remitter financial account provided on the financial system It is preferable to store the remitter in the financial account ledger.

Thereafter, the information transmitting unit 1420 generates money refund history information including a money refund history for refunding the transfer amount withdrawn (or withdrawal) from the remitter financial account to the remitter financial account, and the generated It is characterized by transmitting the reimbursement details information to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

15 is a diagram illustrating a ledger configuration corresponding to a remitter financial account provided in a financial system for a non-face-to-face financial transaction for transfer of funds from a financial account to an unopened financial account according to an embodiment of the present invention.

In more detail, Figure 15 shows the remitter of the remittance established in the ledger D / B 1500 provided in the DBMS on the financial system shown in Figure 14 through the financial account opening system shown in Figures 1 and / or 6. A method of implementing an account having an account ledger corresponding to an account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15 to make a predetermined unopened finance in the financial account. Various implementation methods for the ledger configuration corresponding to the remitter financial account provided in the financial system for transferring funds to the account may be inferred, but the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implemented method.

Referring to Figure 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1500 provided in the DBMS on the financial system is a predetermined customer ledger, and at least one account associated with the customer ledger It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B 1500 provided in the main office maintains and maintains at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included to further understand, and the specific technical matters for this will be understood. Detailed description is omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, CIF (Customer Information File) number, country code, contact ID, branch number , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, 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.

The ledger is a ledger corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, last deposit date, last withdrawal amount, final deposit amount At least one final payment amount, unpaid number of transactions, interest rate account, flat consolidation, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. Periodic reception information including at least one or more of an account number, the number of absents (months), period (days), period extension, expiration date and target amount, and / or account number corresponding to the ledger, deposit amount , Trust receipt information including at least one face value, a pension date, and the number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, an RBI, a batch corresponding to the account ledger; It includes transaction history information including at least one of a batch number, a compound transaction, a calculation date, a 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.

The ledger D / B 1500 processes a financial transaction for transfer of funds from a financial account to a non-opened financial account in a non-face-to-face manner for transferring funds from a financial account to an unopened financial account in accordance with an embodiment of the present invention. A diagram illustrating a process of doing so.

In more detail, FIG. 16 illustrates a case in which the financial transaction server 1400 on the financial transaction system illustrated in FIG. 14 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 1400 and connecting the communication channel for the financial transaction, the financial account information, the transfer amount information, the transaction authentication information and the remitter financial account information to the financial transaction server 1400 through the communication channel; When the financial transaction request information including the recipient unique information and the money transfer authentication information is transmitted, the remitter financial account information, the transfer amount information, and the transaction authentication information included in the received financial transaction request information are transmitted from the financial transaction server 1400. And from the financial account to a predetermined non-opened financial account using the beneficiary's unique information and funds transfer authentication information. The present invention relates to a method of providing a financial transaction for a transfer, and a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 16 to make a predetermined payment in a non-face-to-face financial account. Various implementation methods for the process of processing a financial transaction for transfer of funds to an open financial account may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 16, the client terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the financial transaction server 1400 shown in FIG. 14 is referred to as "server" for convenience.

Referring to Figure 16, the terminal shown in Figure 14 is a predetermined network means (e.g., if the terminal is a wired terminal, a TCP / IP based wired communication network, if the terminal is a wireless terminal, a CDMA based mobile communication network, and / Or HSDPA-based wireless communication network, and / or IEEE 802.16x-based portable Internet, etc.) when accessing the server to request a financial transaction for transfer of funds from the financial account to a predetermined unopened financial account (1600), In response, the server may include a financial transaction including at least one remitter financial account information, a transfer amount information, transaction authentication information, a payee unique information, and a money transfer authentication information for transfer of funds from the financial account to a predetermined non-opened financial account. Generate (or extract) a web page including a user interface for inputting (or selecting) request information and transmitting it to the terminal through the communication channel. And outputs (1605).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface (1610). ).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the user interface (1615), The terminal transmits the input (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information and the funds transfer authentication information to the server through the communication channel (1620), the communication in the terminal The transfer (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the channel may be input (or selected) through the user interface. Electronic signature and / or encryption of the financial transaction request information through a security module (not shown) provided in the terminal It further comprises sending to the server are preferred.

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined unopened financial account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the transaction authentication information is characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction Certified certificate information included in the terminal 1455 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1455), or at least one or more included in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information includes limit period information in which the transfer amount is withdrawn (or withdrawal) from the remitter's financial account, and the transfer amount is transferred to the recipient's financial account matching with the recipient's unique information. Preferably, the remittance amount is withdrawn (or runaway) from the remitter's financial account to the remittee's financial account until the recipient's financial account matching the unique information of the payee is not registered until the period of the period of money transfer. When the amount of the transferred money is transferred and is not deposited (e.g., when the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed), the transfer The amount is preferably refunded to the remitter financial account.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the communication channel. Checking the validity of the request information (1625), and confirming the validity of the financial transaction request information, the electronic signature and / or encryption through the security module (not shown) the financial transaction request information is provided in the terminal In this case, the financial transaction request information may be decrypted, and / or the financial transaction request information may be further included.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account for the financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 1500 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 1500 on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed by the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the remitter financial account It is preferable that the security code information is included, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1455, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include checking whether the decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1630), the server generates a fund transfer history including predetermined fund transfer error information corresponding to the validity error information (1635), and establishes the communication channel. The financial transaction result information including the money transfer history is transmitted to the terminal and output (1640).

On the other hand, if the validity of the financial transaction request information is authenticated (1630), the server is connected to the financial system equipped with an account ledger corresponding to the remitter financial account and the remitter financial account information and transfer included in the financial transaction request information A withdrawal (or withdrawal) financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is processed based on the amount information, the transaction identification information, the recipient unique information, and the funds transfer authentication information (1645).

According to an embodiment of the present invention, the server processes the financial transaction withdrawing the transfer amount from the remitter financial account based on the financial transaction request information and transferring it to the recipient unique information included in the financial transaction request information. Preferably, the withdrawal transaction details for transferring the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information are preferably stored in the remitter's financial account ledger provided on the financial system.

According to another exemplary embodiment of the present invention, the server performs a financial transaction to debit the transfer amount from the remitter's financial account based on the financial transaction request information and to transfer the funds to payee unique information included in the financial transaction request information. An amount of money deposited in the remitter's financial account ledger provided on the financial system by generating a withdrawal transaction history which transfers the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information. It is preferable to set a lock on the amount corresponding to the transfer amount.

If a withdrawal (or withdrawal) financial transaction for transfer of funds to the open bank account is processed (1650), the server withdraws (or withdrawal) financial transaction result for transfer of funds to the open bank account. Generates a fund transfer history including (1655).

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information, and the approval of the money transfer financial transaction. It is characterized in that it further comprises a code (or error code).

Thereafter, the server stores at least one linker of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information included in the money transfer history in the storage medium 1450. (1660).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or financial transaction request information corresponding to the money transfer history), and recipient unique information corresponding to the unopened financial account. And transfer the funds transfer authentication information for the unopened financial account is stored in the predetermined storage medium 1450.

In addition, the server transmits the financial transaction result information including the fund transfer history to the terminal through the communication channel (1665), and correspondingly, the terminal prints a financial transaction receipt including the fund transfer history. Output (1670).

17A and 17B illustrate a method of processing a financial transaction for transferring funds from a financial account to a predetermined unopened financial account in a non-face-to-face manner for transferring funds from a financial account to an unopened financial account according to another embodiment of the present invention. A diagram illustrating the process.

In more detail, in FIGS. 17A and 17B, when the financial transaction system illustrated in FIG. 14 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal may be a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal transmits predetermined financial transaction request information for transferring funds from a financial account to a predetermined non-opened financial account. When the financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information is transmitted to a banking server, the financial transaction server 1400 receives the received financial transaction. Remitter financial account information, transfer amount information, transaction authentication information and beneficiary notice included in the requested information Method for providing a financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account using the information and funds transfer authentication information, if the person skilled in the art to which the present invention belongs, By referring to and / or modifying FIGS. 17A and 17B, various implementation methods for processing a financial transaction for transfer of funds from a financial account to a predetermined unopened financial account in a non-face-to-face manner other than the Internet banking can be inferred. As will be appreciated, the invention includes all implementations inferred above, and are not limited to the implementation illustrated in FIG.

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. 17A and 17B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction 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, Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 17A and 17B, based on a predetermined Internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. Financial transactions Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It 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 Figure 17a and 17b, a telebanking system And / or in each of the other non-face-to-face banking systems of at least one or more, including at least one wireless banking system and / or a TV banking system, each non-financial banking system for processing financial transactions for transfer of funds from said financial account to a predetermined unopened financial account. Although it may be possible to infer an implementation method of connecting a financial transaction channel corresponding to a face-to-face channel, the present invention provides the telebanking system and / or the wireless banking system and / or the TV banking system and / or the proposed non-face-to-face channel banking system. It includes all kinds of non-face-to-face channel-based financial transactions, including the technical configuration of the present invention It is by no means limited to the case of the Internet banking shown in Figs. 17A and 17B.

Hereinafter, in FIG. 17A and FIG. 17B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 1400 is referred to as a "server" for convenience.

17A and 17B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server communicates between the terminal and the server through the browser. (1705a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal 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 (1710a).

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 installed and / or updated in the terminal (1715a), 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 (1720a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1725a), or if the terminal does not need to install and / or update the security module for internet banking (1715a), 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 (1730a), 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 the information to be provided to the server for registering financial transaction request information 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 / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to 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 provided to the server for registering financial transaction request information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server 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 protection function for the information (or data) by using the customer's authorized certificate installed in the terminal. It is characterized by.

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 (1735a).

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, the customer authentication data is preferably including a certificate-based authentication data, the authentication server is a server for authenticating the 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 (1740a), the server (and / or authentication server) authenticates the customer connected via the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1745a).

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), 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 (1760a), where the Internet banking-based The financial transaction channel refers to the financial transaction request information including at least one of the remitter's financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information from the terminal to the server. Means a communication channel capable of processing the Internet banking-based financial transactions.

Thereafter, the terminal requests an internet banking-based financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account through the financial transaction channel (1700b), and in response, the server requests the financial account. Inputting (or selecting) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information for transferring funds to a predetermined unopened financial account in A web page including a user interface is generated (or extracted), transmitted to the terminal through the financial transaction channel, and output (1705b).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface (1710b). ).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface (1715b), The terminal transmits the remitter's financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information to the server through the financial transaction channel (1720b). The transfer (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial transaction channel is input (or selected) through the user interface. The electronic signature and / or the financial transaction request information through the security module (not shown) provided in the terminal. It encrypts further comprises sending to the server are preferred.

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined unopened financial account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the transaction authentication information is characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction Certified certificate information included in the terminal 1455 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1455), or at least one or more included in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information includes limit period information in which the transfer amount is withdrawn (or withdrawal) from the remitter's financial account, and the transfer amount is transferred to the recipient's financial account matching with the recipient's unique information. Preferably, the remittance amount is withdrawn (or runaway) from the remitter's financial account to the remittee's financial account until the recipient's financial account that matches the payee's unique information has not been newly registered until the period of money transfer period has elapsed. When the amount of the transferred money is not transferred and deposited (e.g., the validity of the money transfer (or payee) is not verified through the money transfer authentication information until the money transfer period has elapsed); The amount is preferably refunded to the remitter financial account.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial transaction channel. Confirming the validity of the transaction request information (1725b), and confirming the validity of the financial transaction request information, the electronic signature and / or through the security module (not shown) provided with the financial transaction request information in the terminal; If encrypted, preferably further comprising decrypting the financial transaction request information, and / or decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account for the financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 1500 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 1500 on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed by the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the remitter financial account It is preferable that the security code information is included, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1455, or an authorization issued to a customer). When encrypted through a cryptographic key included in the certificate, the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not the decryption is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1730b), the server generates a money transfer history including predetermined fund transfer error information corresponding to the validity error information (1735b), and establishes the communication channel. The financial transaction result information including the money transfer history is transmitted and output to the terminal (1740b).

On the other hand, if the validity of the financial transaction request information is authenticated (1730b), the server is linked with the financial system equipped with the account ledger corresponding to the remitter financial account and the transferer financial account information and transfer included in the financial transaction request information A withdrawal (or withdrawal) financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is processed based on the amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information (1745b).

According to an embodiment of the present invention, the server processes the financial transaction withdrawing the transfer amount from the remitter financial account based on the financial transaction request information and transferring it to the recipient unique information included in the financial transaction request information. Preferably, the withdrawal transaction details for transferring the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information are preferably stored in the remitter's financial account ledger provided on the financial system.

According to another exemplary embodiment of the present invention, the server performs a financial transaction to debit the transfer amount from the remitter's financial account based on the financial transaction request information and to transfer the funds to payee unique information included in the financial transaction request information. An amount of money deposited in the remitter's financial account ledger provided on the financial system by generating a withdrawal transaction history which transfers the transfer amount from the remitter's financial account to the recipient's unique information included in the financial transaction request information. It is preferable to set a lock on the amount of money corresponding to the transfer amount.

If a withdrawal (or withdrawal) financial transaction for transfer of funds to the open bank account is processed (1750b), the server displays the result of withdrawal (or withdrawal) financial transaction for transfer of funds to the open bank account. Generate a fund transfer history including 1755b.

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information, and the approval of the money transfer financial transaction. It is characterized in that it further comprises a code (or error code).

Thereafter, the server stores at least one linker of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, and the money transfer period information included in the money transfer history in the storage medium 1450. (1760b).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or financial transaction request information corresponding to the money transfer history), and recipient unique information corresponding to the unopened financial account. And transfer the funds transfer authentication information for the unopened financial account is stored in the predetermined storage medium 1450.

In addition, the server transmits the financial transaction result information including the fund transfer history to the terminal through the communication channel (1765b), and correspondingly, the terminal prints and outputs a financial transaction receipt including the fund transfer history. (1770b).

18 is a diagram illustrating a process of depositing a transfer amount withdrawn (or withdrawal) from a remitter's financial account into a recipient's financial account for transfer of funds to an unopened financial account according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates the transfer of financial account information and transfer to the storage medium 1450 by performing a withdrawal amount (or withdrawal) process in the remitter financial account shown in FIGS. 16 and / or 17. Stores the money transfer history for the unopened financial account, including at least one amount of information, payee-specific information corresponding to the unopened financial account, at least one fund transfer authentication information, and money transfer period information for the unopened financial account. Then, the financial transaction server 1400 withdraws from the remitter's financial account based on the money transfer history for the unopened financial account in connection with the financial company server 100 shown in FIGS. 1 and / or 6. The process of transferring the deposit amount of the withdrawal) to the beneficiary financial account corresponding to the unopened financial account and processing the deposit. Those skilled in the art may refer to and / or modify this drawing 18 and deposit the transfer amount withdrawn (or withdrawal) from the remitter's financial account for the transfer of funds to the unopened financial account. Various implementation methods for the processing may be inferred, but the present invention includes all the implementation methods inferred, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the financial transaction server 1400 on the financial transaction system shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 18, by performing a transfer amount withdrawal (or withdrawal) process from the remitter financial account shown in FIGS. 16 and / or 17, the remitter financial account information and the transfer amount to the storage medium 1450. When the information on the money transfer for the non-opened financial account including information, at least one payee-specific information corresponding to the unopened financial account, money transfer authentication information for the unopened financial account, and money transfer period information is stored, And the server generates predetermined financial account opening request information corresponding to the unique payee information, and includes the generated financial account opening request information including at least one messenger ID, an e-mail address, and a wireless terminal of the payee. Send by means (1800).

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, which includes that the transfer of funds from the remitter's financial account to the payee corresponding to the payee's unique information occurs; Preferably, the payee includes at least one financial account request information for requesting to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

In addition, the recipient communication means information is confirmed from the recipient specific information included in the money transfer history for the non-opened financial account, or if the recipient communication means information is not included in the financial transaction request information, Preferably, the recipient communication means information is provided separately.

Thereafter, the server checks whether at least one new financial account is registered in connection with the financial institution server 100 illustrated in FIGS. 1 and / or 6 (1805).

If at least one new financial account is confirmed to be registered (1810), the server checks whether the new financial account is opened to the payee financial account through payee unique information stored in the storage medium 1450 (1815). .

According to an embodiment of the present invention, the server is financed provided from the financial account registration customer in the financial account registration process in connection with the financial company server 100 on the financial transaction establishment system shown in Figure 1 and / or Figure 6 Customer information (for example, customer name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information) included in the account opening request information and the unopened information stored in the storage medium 1450. By comparing the payee unique information (e.g., payee name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information, etc.) included in the funds transfer history for the financial account, the payee unique information. It is desirable to verify that a beneficiary financial account matching with is established.

If it is not confirmed that the beneficiary financial account is opened (1820), the server checks whether the money transfer period for the beneficiary financial account has passed (1825) in association with the storage medium 1450.

According to an embodiment of the present invention, the server compares and reads the money transfer period information included in the money transfer history for the non-opened financial account with the current date and time information checked through a predetermined timer (not shown), and the remitter It is advisable to check whether the period for transferring the withdrawal (or withdrawal) from the financial account to the unopened financial account (or payee financial account) has passed.

If the check result has not passed the period of money transfer (1830), the server repeats the process of checking whether the payee financial account is opened until the period of money transfer.

On the other hand, if the check transfer period has passed (1830), the server processes the financial transaction to refund the transfer amount to the remitter financial account in connection with the financial system in which the remitter financial account is opened. In operation 1840, predetermined money refund detail information corresponding to the money refund is transmitted to the remitter communication means (1840).

According to the implementation method of the present invention, when the fund transfer period for the unopened financial account (or payee financial account) has passed, the server transfers the money withdrawn from the remitter financial account according to the financial account operation procedure Process the financial transaction to refund the money amount to the remitter's financial account, generate a refund history for refunding the money amount corresponding to the transfer amount to the remitter's financial account and send it to the remitter's financial account ledger provided on the financial system. It is desirable to store.

Thereafter, the server generates money refund history information including a money refund history for refunding the transfer amount withdrawn (or withdrawal) from the remitter financial account to the remitter financial account, and the generated money refund history information. And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or separately received the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter the funds It is desirable to save it in connection with the transfer history.

On the other hand, if it is confirmed that the beneficiary financial account is opened (1820), the server requests predetermined money transfer authentication information to the beneficiary client terminal in connection with the financial institution server 100 shown in FIGS. 1 and / or 6. (1845) and after receiving the money transfer authentication information from the payee customer terminal in connection with the financial company server 100 (1850), the money transfer authentication information and the money transfer stored in the storage medium (1450). The authentication information is compared to verify the validity of the money transfer financial transaction (or the recipient of the money transfer, or the financial account of the recipient).

If the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is not authenticated (1830), the server determines that the financial system in which the remitter financial account is opened. In operation 1835, the banking transaction returns the transfer amount of the beneficiary financial account to the remitter's financial account, and transmits the reimbursement information corresponding to the money refund to the remitter communication means (1840). ).

According to the implementation method of the present invention, when the fund transfer period for the unopened financial account (or payee financial account) has passed, the server transfers the money withdrawn from the remitter financial account according to the financial account operation procedure Process the financial transaction to refund the money amount to the remitter's financial account, generate a refund history for refunding the money amount corresponding to the transfer amount to the remitter's financial account and send it to the remitter's financial account ledger provided on the financial system. It is desirable to store.

Thereafter, the server generates money refund history information including a money refund history for refunding the transfer amount withdrawn (or withdrawal) from the remitter financial account to the remitter financial account, and the generated money refund history information. And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

On the other hand, if the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is authenticated (1860), the server opens the remitter financial account and the recipient financial account. In connection with the established financial system, a deposit financial transaction for transfer of funds to the beneficiary financial account is processed (1865).

If the transfer amount is withdrawn from the remitter financial account according to an embodiment of the present invention, the server is based on the money transfer history for the unopened financial account stored in the storage medium 1450 in the remitter financial account Process a financial transaction by transferring the withdrawn money to the beneficiary financial account, and generate a deposit transaction detail by transferring the money withdrawn from the remitter financial account to the beneficiary financial account to generate the deposit transaction details; It is preferable to store in the recipient's financial account ledger provided on the.

According to another embodiment of the present invention, when the transfer amount is withdrawn from the remitter's financial account, the server remits the remitter's finance based on the money transfer history for the unopened financial account stored in the storage medium 1450. Process the financial transaction by transferring the transfer amount withdrawn from the account to the beneficiary financial account, release the lock on the transfer amount withdrawn from the remitter's financial account, and the lock in the remitter's financial account. The withdrawal transaction details for withdrawing the canceled transfer amount and the transfer transaction details for depositing and depositing the withdrawal transfer amount to the payee financial account are provided on the financial system ledger and the recipient's finance It is desirable to store in the account ledger.

If a deposit financial transaction for the transfer of funds to the beneficiary financial account is processed (1870), the server transfers the deposit amount withdrawn (or withdrawn) from the remitter financial account to the beneficiary financial account and deposits it. Generate money transfer history information including details, and transmit the generated money transfer history information to the remitter communication means (eg, the remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal). (1875).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

19 is a diagram illustrating a face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account through a virtual account according to an embodiment of the present invention.

In more detail, Fig. 19 shows a bank account information, a transfer amount information, a transaction authentication information, and a remitter, for a predetermined customer to transfer funds from the financial account to a predetermined unopened financial account through a predetermined financial transaction interface. When providing financial transaction request information including at least one payer unique information and funds transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication information included in the provided financial transaction request information in the financial transaction system; A system configuration for providing a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account using unique payee information and funds transfer authentication information, and has a general knowledge in the technical field to which the present invention belongs. If so, with reference to and / or modification of this figure 19, Would be able to infer a variety of exemplary methods for the open banking system configuration for the money transfer to the financial account, the present invention includes all embodiments how the inference, shall not be limited to the exemplary method shown in the figure 19.

Hereinafter, a financial transaction for transfer of funds from the financial account to a predetermined unopened financial account is provided using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. A component corresponding to at least one or more means and / or functional configurations is referred to as a "financial transaction server 1900" for convenience, and the financial transaction server 1900 in FIG. 19 that provides the face-to-face financial transaction service It is preferable to include at least one window terminal and the account system on the financial system connected through a predetermined financial network, this figure 19 is a ledger between the window terminal and the account system for convenience of the financial transaction server 1900 for convenience of explanation. Although illustrated as a server, the present invention is not limited thereto.

Referring to FIG. 19 in accordance with an embodiment of the present invention, a financial transaction system for transferring funds from a financial account to a predetermined unopened financial account includes a financial transaction including a counter terminal provided at at least one financial institution branch. A financial network (for example, a banking network) connected to the terminal 1960 and the financial transaction terminal 1960, and the financial transaction terminal 1960 connected to the financial transaction terminal 1960 to open a predetermined unopened financial account in the financial account. A financial transaction server 1900 for processing a financial transaction for transfer of funds to the bank and a financial system in which the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 is opened. It features.

The financial system which processes at least one financial transaction service through the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 in connection with the financial transaction server 1900 is the financial system. At least one window terminal provided at a branch (and / or branch) of the institution and a predetermined financial network (for example, a branch network), and through the window terminal, Provide face-to-face financial transaction services.

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

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

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

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

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

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

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

Referring to FIG. 19, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 1500 for storing at least one ledger, wherein the ledger D / B 1500 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is stored in a relational manner and stored in association. The ledger information is shown in FIGS. And / or a predetermined account ledger corresponding to the remitter's financial account opened through the financial account opening system shown in FIG. 6.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 1500 and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer visits the financial institution branch for the transfer of funds from the financial account to a predetermined non-opened financial account, and through a window provided at the financial institution branch (or through a cashier). A document with a form for filling in at least one information item for transfer of funds from a financial account to a predetermined unopened financial account (eg, transfer of funds from the financial account to a predetermined unopened financial account); ), And the completed application is submitted to the teller, and the teller, through a designated teller terminal, remitter's financial account information and transfer amount information, transaction authentication information, beneficiary unique information and money transfer authentication Information (or selection) is entered, and the teller terminal sets the input (or selection) of the remitter's financial account information and transfer amount And it is desirable to transmit the transaction authorization information and the addressee-specific information and the money transfer authentication information to the financial transaction request information comprises at least one to the financial transaction server (1900) is provided on the banking system through the financial network.

Herein, the financial transaction terminal 1960 may include a terminal used by a teller provided at the branch of the financial institution, and the financial transaction server 1900 connected to the terminal may be located on the predetermined financial system. It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 1900 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 1900. It is preferable to make it.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server 1900 are defined by the customer in the financial account. It functions as a financial transaction interface for registering financial transaction request information for transfer of funds to unopened financial accounts.

The financial transaction request information transmitted from the financial transaction terminal 1960 to the financial transaction server 1900 for the transfer of funds from the financial account to a predetermined non-opened financial account includes financial account information and a transfer amount information of a predetermined remittance. And transaction authentication information, payee unique information, and funds transfer authentication information.

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, branch code), contact information (eg, the name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter financial account to a predetermined virtual account, the transfer amount is finally transferred to the recipient financial account that matches the payee unique information, or the virtual money transfer; It is preferable to include limit period information for converting an account into the beneficiary financial account, wherein a beneficiary financial account matching the unique payee information is not newly registered or the payee financing until the money transfer period information elapses. When the pre-deposited amount of money in the virtual account has not been deposited due to the final transfer (e.g., the validity of the money transfer (or payee) through the money transfer authentication information until the money transfer period has elapsed) The transfer amount is refunded to the remitter's financial account. It is preferred.

The financial transaction server 1900 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1960 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be 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 financial transaction terminal 1960 is a window terminal connected to a predetermined financial network, the financial transaction server 1900 may be connected to a financial system connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the method of the present invention, the financial transaction server 1900 is characterized by comprising an interface unit 1905 for connecting and managing a predetermined communication channel with the financial transaction terminal 1960 through the financial network. do.

According to an embodiment of the present invention, when the financial transaction terminal 1960 is a window terminal connected to a predetermined financial network, the interface unit 1905 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 19, the financial transaction server 1900 may be configured such that a predetermined financial transaction terminal 1960 connects a communication channel with the financial transaction server 1900 through the interface unit 1905, and / or the communication. When a financial transaction for money transfer is requested from the financial account to a predetermined non-opened financial account through a channel, the financial transaction terminal 1960 inputs predetermined financial transaction request information in association with the interface unit 1905 ( Or an interface providing unit 1910 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 1960, and the financial transaction terminal 1960. In the case where a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1910 may be omitted.

The interface provider 1910 may be configured such that a predetermined financial transaction terminal 1960 connects a communication channel with the financial transaction server 1900 through the interface unit 1905, and / or the financial account through the communication channel. Requests a financial transaction for transfer of funds to a predetermined non-opened financial account, inputs (or selects) the financial transaction request information in response to the functional configuration provided in the financial transaction terminal 1960 and through the financial network. A user that generates a predetermined user interface that can be transmitted to the financial transaction server 1900, and / or extracts from a predetermined database (not shown), and generates or generates the user in cooperation with the interface unit 1905. An interface may be provided to the financial transaction terminal 1960 through the financial network.

According to an embodiment of the present invention, when the financial transaction terminal 1960 is a window terminal connected to a predetermined financial network, the interface providing unit 1910 may provide a financial transaction-related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the counter terminal through the interface unit 1905.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 1960 and transmitting the financial transaction request information to the financial transaction server 1900 through the financial network is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 1910 for providing the user interface to the financial transaction terminal 1960 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information. It is preferably made to include an interface function to transmit to the financial transaction server 1900.

Referring to FIG. 19, the financial transaction server 1900 transmits the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information from the financial transaction terminal 1960 through the user interface. When inputting (or selecting) and transmitting financial transaction request information including at least one, the interface unit 1905 interoperates with the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information. An information receiving unit 1915 for receiving the financial transaction request information including at least one of; and the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the funds included in the received financial transaction request information; Validation unit (1925) for checking the validity of the transfer authentication information, and in connection with the financial system A virtual account establishment unit 1930 for establishing a virtual account to which the transfer amount is pre-deposited based on previously verified financial transaction request information, and a transfer corresponding to the financial transaction request information to a virtual account in connection with the financial system; A financial transaction processing unit 1935 for processing a financial transaction that transfers an amount of money in advance, an information storage unit 1940 for storing a money transfer history corresponding to the financial transaction request information in a predetermined storage medium 1955, and the financial transaction. Generates predetermined financial transaction result information for a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account in association with the processor 1935 and associates the financial transaction result information with the interface unit 1905. It characterized in that it comprises an information transmitting unit 1920 for transmitting to the financial transaction terminal 1960, the information transmitting unit 1920 is the recipient specific And generating predetermined financial account opening request information corresponding to the information, and transmitting the information to the recipient communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal.

The financial transaction terminal 1960 inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface. ) To the financial transaction server 1900 through the financial network.

The information receiving unit 1915 may request a financial transaction including at least one or more remitter's financial account information, transfer amount information, transaction authentication information, beneficiary unique information, and money transfer authentication information in the financial transaction terminal 1960 through the user interface. When the information is input (or selected) and transmitted through the financial network, the financial transaction request information is received in connection with the interface unit 1905, and the validity confirmation unit receives the received financial transaction request information. Provided as (1925).

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, branch code), contact information (eg, the name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter financial account to a predetermined virtual account, the transfer amount is finally transferred to the recipient financial account that matches the payee unique information, or the virtual money transfer; It is preferable to include limit period information for converting an account into the beneficiary financial account, wherein a beneficiary financial account matching the unique payee information is not newly registered or the payee financing until the money transfer period information elapses. When the pre-deposited amount of money in the virtual account has not been deposited due to the final transfer (e.g., the validity of the money transfer (or payee) through the money transfer authentication information until the money transfer period has elapsed) The transfer amount is refunded to the remitter's financial account. It is preferred.

The validity confirming unit 1925 checks whether the financial transaction request information received from the financial transaction terminal 1960 satisfies the validity for transfer of funds from a financial account to a predetermined non-opened financial account.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account for the financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 1500 on the financial system. And checking whether a ledger (or a customer ledger corresponding to the remitter's financial account) is provided, and requesting the financial transaction when the account ledger (or a customer ledger corresponding to the remitter's financial account) is provided. It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 1500 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 1500 on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

When the validity of the financial transaction request information is confirmed, the virtual account opening unit 1930 is connected to a financial system equipped with an account ledger corresponding to the remitter financial account, and the transfer amount is set as the parent account. The predetermined virtual account to be transferred is characterized in that it is generated.

According to another exemplary embodiment of the present invention, a financial account (eg, a financial institution-side financial account or a payee is a conventional financial transaction customer of the financial institution) that manages at least one virtual account to which the transfer amount is pre-transmitted to the financial system. In this case, when the beneficiary financial account is provided, the virtual account opening unit 1930 may generate a predetermined virtual account to which the transfer amount is prepaid using the financial account as a parent account. This is not limited.

When a predetermined virtual account to which the transfer amount is to be prepaid is opened, the financial transaction processing unit 1935 is connected with a financial system equipped with an account ledger corresponding to the remitter's financial account and includes the remitter's finance included in the financial transaction request information. And withdrawal of the transfer amount from the financial account based on the account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information, to process the financial transaction that is prepaid to the virtual account.

Thereafter, the information storage unit 1940 corresponds to the remitter financial account information and the transfer amount information included in the financial transaction request information (or the money transfer history corresponding to the financial transaction request information), and the unopened financial account. The payee unique information, the funds transfer authentication information for the unopened financial account, and the virtual account information are processed in a predetermined storage medium 1955 to be stored in a predetermined storage medium.

When the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is processed by the financial transaction processing unit 1935, the information transmission unit 1920 is linked with the financial transaction processing unit 1935 to the financial account. Generates a money transfer history including one of money transfer result information or money transfer error information for a financial transaction for money transfer to a predetermined unopened financial account, and transfers the money in association with the interface unit 1905. The financial transaction result information including the details may be transmitted to the financial transaction terminal 1960 through the financial network.

The money transfer history may include at least one of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information. Characterized in that it further comprises an authorization code (or error code) for the transaction.

The financial transaction result information includes a protocol structure for transmitting the generated money transfer history to the financial transaction terminal 1960 through the financial network, and receives the financial transaction result information. The transaction terminal 1960 outputs a predetermined financial transaction receipt including the money transfer history included in the predetermined financial transaction result information.

After the financial transaction processing unit 1935 processes the money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the information transmission unit 1920 corresponds to the recipient unique information. Characterized in that for generating the financial account opening request information.

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, which includes the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. It is preferable that the payee comprises at least one financial account request information requesting to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

Thereafter, the information transmitting unit 1920 transmits to the recipient communication means including at least one of the recipient's messenger ID, an e-mail address, and a wireless terminal, wherein the recipient communication means information is included in the financial transaction request information. If it is confirmed from the unique payee information included, or if the recipient communication means information is not included in the financial transaction request information, it is preferable that the recipient communication means information is provided separately from the client terminal used by the remitter.

Referring to FIG. 19, after the financial transaction processing unit 1935 processes a money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the financial transaction server 1900 is the figure. 1 and / or an information checking unit 1945 for confirming that a payee financial account matching the payee unique information is opened in connection with the financial company server 100 on the financial account opening system shown in FIG. 6; Recipient authentication unit (1950) for authenticating that the transfer of the transfer amount pre-transferred to the virtual account through the money transfer authentication information (or payer specific information) to the payee financial account when the matching payee financial account is established. And the transfer amount included in the money transfer details by the payee authentication unit 1950. If it is authenticated that the deposit is made to the account, the financial transaction processing unit 1935 finally deposits the transfer amount withdrawn from the remitter's financial account according to the financial transaction procedure and prepaid to the virtual account to the beneficiary financial account. Process the financial transaction, or convert the virtual account into the beneficiary financial account, and transfer the pre-transferd amount pre-transferred into the virtual account to the beneficiary financial account for depositing or depositing the virtual account; When switching to the payee financial account, the information transmitting unit 1920 generates money transfer history information for the unopened financial account (or payee financial account) to the sender communication means (e.g., the messenger ID and mail of the sender). Address, and a remitter communication means including at least one radio terminal).

In addition, the information check unit (1945) is characterized in that the current transfer period for the non-opened financial account (or payee financial account) by reading the money transfer period information included in the money transfer history, characterized in that, As a result of the check, when the period of the transfer of funds for the unopened financial account (or the recipient financial account) has passed, the financial transaction processing unit 1935 is withdrawn from the remitter's financial account according to the financial transaction procedure and then transferred to the virtual account. Characterized in that for processing the financial transaction to refund the transfer amount to the remitter's financial account, the financial transaction processing for repaying the transfer amount withdrawn from the remitter's financial account and prepaid to the virtual account, The information transmitter 1920 generates money transfer error information for the unopened financial account (or payee financial account). And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

The information checking unit 1945 is linked to the financial company server 100 on the financial account opening system shown in FIGS. 1 and / or 6 to provide financial account application information provided from the financial account registration customer in the financial account registration process. Customer information (e.g., customer name and social security number, web server member information, or messenger information, or e-mail address information, or wireless terminal information) included in the information contained in the money transfer history stored in the storage medium 1955; By comparing the payee unique information (e.g., payee name and social security number, web server member information, or messenger information, or e-mail address information, or wireless terminal information), a payee financial account matching with the payee unique information is established. It is characterized by checking.

When it is confirmed by the information confirming unit 1945 that a payee financial account matching the payee unique information is opened, the payee authentication unit 1950 transfers the transfer amount prepaid to the virtual account to the payee financial account. Characterized in that the deposit is authenticated.

According to the method of the present invention, when it is confirmed by the information confirming unit 1945 that a payee financial account matching with the payee unique information is established, the payee authenticating unit 1950 is shown in FIGS. 1 and / or 6. In connection with the financial company server 100 on the financial account opening system shown in FIG. 1, a request is made to input and provide predetermined funds transfer authentication information (or payee unique information) to the customer terminal of the payee, and is linked with the financial company server 100. Receiving the money transfer authentication information (or payee unique information) from the customer terminal of the payee, and receiving the money transfer authentication information (or payee unique information) and the money transfer authentication information (or stored in the storage medium 1955); By authenticating the unique payee information), certifying that the transfer amount prepaid to the virtual account is transferred to the payee financial account and deposited; It is preferred.

If it is authenticated that the recipient authentication unit 1950 transfers the deposit amount included in the details of the money transfer to the beneficiary financial account and deposits it, the financial transaction processing unit 1935 stores the storage medium according to the financial transaction procedure. It is characterized in that for processing the financial transaction which is transferred from the remitter's financial account included in the money transfer history stored in 1955 and finally transferred the deposit amount to the recipient's financial account.

According to an exemplary embodiment of the present invention, the financial transaction processing unit 1935 is configured to withdraw money from the remitter's financial account based on the money transfer history stored in the storage medium 1955 and transfer the money transferred to the virtual account in advance. The banking system processes a financial transaction in which a final transfer is made to a financial account, and generates a deposit transaction history in which the transfer amount withdrawn from the remitter's financial account and pre-transmitted to the virtual account is finally transferred to the beneficiary financial account and deposited. It is preferable to store in the recipient's financial account ledger provided on the.

Thereafter, the information transmitting unit 1920 generates money transfer history information including a deposit transaction history of depositing and transferring the transfer amount withdrawn from the remitter's financial account and pre-transmitted to the virtual account to the recipient's financial account, The generated money transfer history information may be transmitted to the remitter communication means (for example, the remitter communication means including at least one of a remitter's messenger ID, an e-mail address, and a wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

In addition, the information checking unit 1945 compares and reads the money transfer period information included in the money transfer history with the current date and time information checked through a predetermined timer (not shown), and withdraws from the remitter's financial account to the virtual account. It is characterized by checking whether the period for transferring the transfer amount prepaid to the account to an unopened financial account (or payee financial account) has elapsed.

As a result of the check, when the period of transfer of funds for the unopened financial account (or payee financial account) has elapsed, the financial transaction processing unit 1935 is withdrawn from the remitter financial account according to the financial transaction procedure and placed in the virtual account. Processes a financial transaction to refund the transferred money to the remitter's financial account, and generates a refund history for repaying the money amount corresponding to the transfer amount refund processed by the financial transaction processor 1935 to the remitter's financial account. It is preferable to store the remitter in the financial account ledger provided on the financial system.

Thereafter, the information transmitting unit 1920 generates money refund history information including a refund of money to be returned from the remitter's financial account and prepaid to the virtual account to the remitter's financial account. Characterized in that for transmitting the refund information to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

20 illustrates a ledger configuration corresponding to a remitter financial account provided in a financial system for a face-to-face financial transaction for transfer of funds from a financial account to an unopened financial account through a virtual account according to an embodiment of the present invention. to be.

In more detail, FIG. 20 illustrates the remitter financing opened in the ledger D / B 2000 provided in the DBMS on the financial system shown in FIG. 19 through the financial account opening system shown in FIGS. 1 and / or 6. As a method of implementing a ledger configuration including a virtual account opened by using an account ledger corresponding to an account as a mother account, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. 20 and / or Alternatively, it may be modified to infer various implementation methods for the construction of a ledger corresponding to the remitter financial account provided in the financial system for transferring funds from the financial account to a predetermined unopened financial account, but the present invention is inferred It includes all implementation methods, 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 this drawing 20, when the financial system is provided with a predetermined financial account for managing at least one or more of the virtual accounts. Various implementation methods for a ledger configuration including a virtual account opened with a financial account as a parent account may be inferred, and the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2000 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It includes a ledger (for example, a ledger, a loan ledger, etc.) and at least one information associated with the account ledger. If a person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B 2000 provided in the DBMS includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information for management is included, and the technical details of this will be understood. A detailed description thereof will be omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, CIF (Customer Information File) number, country code, contact ID, branch number , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, 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.

The ledger is a ledger corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, last deposit date, last withdrawal amount, final deposit amount At least one or more of the final withdrawal amount, the number of unpaid account transactions, interest rate account accounting, the consolidation status, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic receipt information including at least one of a number, abstention (months), period (days), period extension, expiration date and target amount, and / or account number corresponding to the ledger, deposit , Trust receipt information including at least one face value, a pension date, and the number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, an RBI, a batch corresponding to the account ledger; It includes transaction history information including at least one of a batch number, a compound transaction, a calculation date, a 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.

The virtual account ledger is the account ledger as the mother account, the virtual account ledger information configuration is similar to the account ledger information configuration, and further comprises a mother account information for linking the virtual account with the mother account.

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

21 is a diagram illustrating a process of processing a financial transaction for transfer of funds from a financial account to an unopened financial account through a virtual account in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 21 illustrates a case in which the financial transaction server 1900 on the financial transaction system shown in FIG. 19 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. After the terminal accesses the financial transaction server 1900 and connects a communication channel for the financial transaction, the financial account information, the transfer amount information, and the transaction authentication information of the remitter to the financial transaction server 1900 through the communication channel. And the financial transaction request information including the payee unique information and the money transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication included in the received financial transaction request information from the financial transaction server 1900. Gold for the transfer of funds from the financial account to a predetermined non-opened financial account using the information, the recipient's unique information, and the funds transfer authentication information. As for a method of providing a transaction, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 21 to finance from a financial account to a predetermined unopened financial account in the face-to-face manner. Various implementation methods for the process of processing a financial transaction for transfer may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following figure 21, the window terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the financial transaction server 1900 shown in FIG. 19 is referred to as "server" for convenience.

Referring to FIG. 21, the terminal shown in FIG. 19 connects a communication channel for at least one financial transaction with the server through the financial network, and transfers funds from the financial account to a predetermined unopened financial account. A user interface for inputting (or selecting) financial transaction request information including at least one or more of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information is output (2100).

Thereafter, a predetermined application (eg, from the financial account to the predetermined unopened financial account) includes at least one or more of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information from the customer. A document having a form for filling in at least one information item for the transfer of funds) is completed and submitted, the terminal receives the remitter financial account information and the transfer amount information and transaction authentication included in the application through the user interface. Input (or select) financial transaction request information including at least one of information, payee unique information, and money transfer authentication information (2105), and the remitter financial account information and the transfer amount through a financial network connecting the terminal and the server; Information, transaction verification information, payee specific information and fund transfer verification information. The financial transaction request information including one or more is transmitted to the server (2115).

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter financial account to a predetermined virtual account, the transfer amount is finally transferred to the recipient financial account that matches the payee unique information, or the virtual money transfer; It is preferable to include limit period information for converting an account into the beneficiary financial account, wherein a beneficiary financial account matching the unique payee information is not newly registered or the payee financing until the money transfer period information elapses. When the pre-deposited amount of money in the virtual account has not been deposited due to the final transfer (e.g., the validity of the money transfer (or payee) through the money transfer authentication information until the money transfer period has elapsed) The transfer amount is refunded to the remitter's financial account. It is preferred.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial network. The validity of the request information is checked (2120).

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 2000 on the financial system. And checking whether a ledger (or a customer ledger corresponding to the remitter's financial account) is provided, and requesting the financial transaction when the account ledger (or a customer ledger corresponding to the remitter's financial account) is provided. It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 2000 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B (2000) on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (2125), the server generates a fund transfer history including predetermined fund transfer error information corresponding to the validity error information (2130), and establishes the financial network. The financial transaction result information including the money transfer history is transmitted to the terminal and output (2135).

On the other hand, if the validity of the financial transaction request information is authenticated (2125), the server opens a predetermined virtual account to which the transfer amount is pre-transmitted in connection with a financial system equipped with an account ledger corresponding to the remitter financial account. In operation 2240, the remittance is transferred from the financial account based on the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information included in the financial transaction request information in connection with the financial system. The withdrawal amount is processed to process a financial transaction which is prepaid to the opened virtual account (2145).

If the financial transaction for prepaying the transfer amount from the remitter's financial account to the opened virtual account is processed (2150), the server transfers the transaction details including the financial transaction result of prepaying the transfer amount to the virtual account. Generates 2155.

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information. Characterized in that it further comprises an authorization code (or error code) for the transaction.

Thereafter, the server associates at least one or more of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information included in the money transfer history to the storage medium ( 1955 and 2160.

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or financial transaction request information corresponding to the money transfer history), and recipient unique information corresponding to the unopened financial account. And the transfer of funds transfer authentication information for an unopened financial account is preferably stored in a predetermined storage medium 1955.

In addition, the server transmits the financial transaction result information including the fund transfer history to the terminal through the financial network (2165), and correspondingly, the terminal prints a financial transaction receipt including the fund transfer history. (2170).

22 illustrates a process of depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to a non-opened financial account through a virtual account according to an embodiment of the present invention and transferring it to the beneficiary financial account. One drawing.

In more detail, FIG. 22 illustrates a process of withdrawing the transfer amount from the remitter financial account shown in FIG. 21 and pre-transferring the transfer to the virtual account, thereby providing the remitter financial account information and the transfer to the storage medium 1955. Stores the money transfer history for the unopened financial account, including at least one amount of information, payee-specific information corresponding to the unopened financial account, at least one fund transfer authentication information, and money transfer period information for the unopened financial account. Thereafter, the financial transaction server 1900 is withdrawn from the remitter's financial account based on the money transfer history for the unopened financial account in connection with the financial company server 100 shown in FIGS. 1 and / or 6. For the process of depositing the transfer amount pre-transferred into the virtual account to the beneficiary financial account corresponding to the non-opened financial account. As one having ordinary skill in the art to which the present invention pertains, with reference to and / or modification of this drawing 22, it is withdrawn from a financial account which is a remitter for transfer of funds to the unopened financial account and the wire transfer to the virtual account. Various implementation methods may be inferred for the process of depositing the transferred money into the beneficiary financial account, but the present invention includes all the implementation methods inferred above, Features are not limited.

In the following figure 22, the financial transaction server 1900 on the financial transaction system shown in FIG. 19 is referred to as " server " for convenience.

Referring to FIG. 22, a process of withdrawing the transfer amount from the remitter financial account shown in FIG. 21 and prepaying the transfer amount to the virtual account is performed so that the remitter financial account information and the transfer amount are transferred to the storage medium 1955. When the information on the money transfer for the non-opened financial account including information, at least one payee-specific information corresponding to the unopened financial account, money transfer authentication information for the unopened financial account, and money transfer period information is stored, And the server generates predetermined financial account opening request information corresponding to the unique payee information, and includes the generated financial account opening request information including at least one messenger ID, an e-mail address, and a wireless terminal of the payee. Transmit to the means (2200).

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, which includes the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. It is preferable that the payee comprises at least one financial account request information requesting to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

In addition, the recipient communication means information is confirmed from the recipient specific information included in the money transfer history for the non-opened financial account, or if the recipient communication means information is not included in the financial transaction request information, Preferably, the recipient communication means information is provided separately.

Thereafter, the server checks whether at least one new financial account is registered in connection with the financial institution server 100 illustrated in FIGS. 1 and / or 6 (2205).

If it is confirmed that at least one new financial account is registered (2210), the server checks whether the new financial account is opened to the payee financial account through the payee unique information stored in the storage medium 1955 (2215). .

According to an embodiment of the present invention, the server is financed provided from the financial account registration customer in the financial account registration process in connection with the financial company server 100 on the financial transaction establishment system shown in Figure 1 and / or Figure 6 Customer information (for example, customer name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information) included in the account opening request information and the non-opening stored in the storage medium 1955. By comparing the payee unique information (e.g., payee name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information, etc.) included in the funds transfer history for the financial account, the payee unique information. It is desirable to verify that a beneficiary financial account matching with is established.

If it is not confirmed that the beneficiary financial account is opened (2220), the server checks whether the money transfer period for the beneficiary financial account has passed (2225) in association with the storage medium 1955.

According to an embodiment of the present invention, the server compares and reads the money transfer period information included in the money transfer history for the non-opened financial account with the current date and time information checked through a predetermined timer (not shown), and the remitter It is preferable to check whether the period for transferring the transfer amount withdrawn from the financial account and prepaid to the virtual account to the unopened financial account (or the recipient financial account) has passed.

If the check result has not passed the period of money transfer (2230), the server repeats the process of checking whether the payee financial account is opened until the period of money transfer.

On the other hand, if the check transfer period has passed (2230), the server processes the financial transaction to refund the transfer amount for the payee financial account to the sender financial account in connection with the financial system in which the remitter financial account is opened. In operation 2240, predetermined money refund detail information corresponding to the money refund is transmitted to the remitter communication means (2240).

According to the implementation method of the present invention, when the funds transfer period for the unopened financial account (or payee financial account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Processes a financial transaction for refunding the transfer amount prepaid to the virtual account to the remitter's financial account, and generates a reimbursement detail for refunding the amount corresponding to the transfer amount refund to the remitter's financial account and is provided on the financial system. It is preferable to store the remitter in the financial account ledger.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the virtual account to the remitter financial account, and the generated money refund history information It is characterized in that for transmitting to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or separately received the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter the funds It is desirable to save it in connection with the transfer history.

On the other hand, if it is confirmed that the beneficiary financial account is opened (2220), the server requests the predetermined money transfer authentication information to the beneficiary client terminal in connection with the financial company server 100 shown in FIG. 1 and / or FIG. (2245) and after receiving the money transfer authentication information from the payee customer terminal in connection with the financial institution server 100 (2250), the money transfer authentication information and the money transfer stored in the storage medium (1955) The authentication information is compared to verify the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer).

If the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is not authenticated (2230), the server provides a financial system in which the remitter financial account is opened. In connection with the processing of the financial transaction that refunds the transfer amount for the recipient financial account to the remitter financial account (2235), and transfers the predetermined amount of refund information corresponding to the refund of funds to the remitter communication means (2240). ).

According to the implementation method of the present invention, when the funds transfer period for the unopened financial account (or payee financial account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Processes a financial transaction for refunding the transfer amount prepaid to the virtual account to the remitter's financial account, and generates a reimbursement detail for refunding the amount corresponding to the transfer amount refund to the remitter's financial account and is provided on the financial system. It is preferable to store the remitter in the financial account ledger.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the virtual account to the remitter financial account, and the generated money refund history information It is characterized in that for transmitting to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, mail address, wireless terminal).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

On the other hand, if the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is authenticated (2260), the server opens the remitter financial account and the recipient financial account. In connection with the established financial system, a deposit financial transaction for transferring money to the beneficiary financial account is processed (2265).

When the transfer amount is withdrawn from the remitter's financial account according to an embodiment of the present invention, the server withdraws from the remitter's financial account based on the money transfer history for the unopened financial account stored in the storage medium 1955. The bank transfers the funds to the bank account, and transfers the amount of money that has been prepaid to the virtual account to the beneficiary financial account. It is preferable to generate a deposit transaction history of the transfer by depositing and to store the deposit transaction details in the recipient's financial account ledger provided on the financial system.

If the deposit financial transaction for the transfer of funds to the beneficiary financial account is processed (2270), the server deposits by transferring the transfer amount withdrawn from the remitter financial account and prepaid to the virtual account to the beneficiary financial account. Generate money transfer history information including transaction details, and transfer the generated money transfer history information to the remitter communication means (e.g., the remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal); Send (2275).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is preferable to receive separately and store it in connection with the above transfer history.

FIG. 23 illustrates a non-face-to-face financial transaction system for transferring funds from a financial account to an unopened financial account according to another embodiment of the present invention.

In more detail, Fig. 23 shows the financial account information, the transfer amount information, the transaction authentication information, and the remitter for the transfer of funds from the financial account to a predetermined unopened financial account by a predetermined customer through a predetermined financial transaction interface. When providing financial transaction request information including at least one payer unique information and funds transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication information included in the provided financial transaction request information in the financial transaction system; A system configuration for providing a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account using unique payee information and funds transfer authentication information, and has a general knowledge in the technical field to which the present invention belongs. If so, with reference to this drawing 23 and / or modified in the financial account Would be able to infer a variety of exemplary methods for the open banking system configuration for the money transfer to the financial account, the present invention includes all embodiments how the inference, shall not be limited to the exemplary method shown in the figure 23.

Hereinafter, a financial transaction for transfer of funds from the financial account to a predetermined unopened financial account using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. A component corresponding to at least one or more means and / or functional configurations provided is referred to as a "financial transaction server 2300" for convenience, and the financial transaction server 2300 in FIG. 23 providing the non-face-to-face financial transaction service. ) Preferably includes all types of non-face-to-face banking servers including at least one of an internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 23 according to an embodiment of the present invention, a financial transaction system for transferring funds from the financial account to a predetermined unopened financial account includes at least one wired terminal and / or a wireless terminal used by a customer. A financial transaction terminal 2360 including at least one client terminal or the like, network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 2360 is connected, and the financial transaction terminal through the network means. A financial transaction server 2300 connected to 2360 to process a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account and through a financial account opening system shown in FIGS. 1 and / or 6. The opened remitter financial account is characterized by including the opened financial system.

The financial system that processes at least one financial transaction service through the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 in connection with the financial transaction server 2300 may include: At least one window terminal provided at a branch (and / or branch) of a financial institution and a predetermined financial network (for example, a branch network), and at least one financial transaction customer through the window terminal. Provide face-to-face financial transaction services.

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

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

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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

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

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

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

Referring to FIG. 23, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. -Based wireless banking, telebanking, TV banking, etc.) to access the financial system, And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B 2000 for storing at least one ledger, wherein the ledger D / B 2000 performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is stored in a relational manner and stored in association. The ledger information is shown in FIGS. And / or a predetermined account ledger corresponding to the remitter's financial account opened through the financial account opening system shown in FIG. 6.

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 2000 according to the type of each financial institution and the purpose and characteristics of the financial system. In addition to being familiar with at least one ledger additional information corresponding to the ledger information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the processed and stored, detailed description thereof will be omitted for convenience.

According to one embodiment of the present invention, the customer connects to the financial transaction server 2300 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, Input (or select) financial transaction request information for transfer of funds from the financial account to a predetermined non-opened financial account through the at least one user interface provided by the financial transaction server 2300, and the client terminal It is preferable to transmit to the financial transaction server 2300 provided on the financial transaction system through a network means.

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 a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (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 information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless communication At least one wireless communication terminal connected to the trust network, or a portable Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless data communication terminal connected to the DataTAC / Mobitex-based wireless data communication network, and the like.

In addition, the financial transaction server 2300 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 transaction server 2300 may be based on the CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks 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 transaction server 2300, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 2300. 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 transaction server 2300, 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 transaction system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 2300 and And / or the wireless communication network functions as a financial transaction interface for the customer to register financial transaction request information for the transfer of funds from the financial account to a predetermined non-opened financial account.

According to another exemplary embodiment of the present invention, the financial transaction terminal 2360 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. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 2360 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial transaction server are described. A financial network connecting 2300 performs a function of a financial transaction interface for the customer to register financial transaction request information for transfer of funds from the financial account to a predetermined non-opened financial account, and / or the financial transaction. When the terminal 2360 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 2300 may be used. Perform a function of a financial transaction interface for a customer to register financial transaction request information for transfer of funds from the financial account to a predetermined unopened financial account, and / or the In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is a fusion transaction terminal 2360, the terminal (and / or server) (not shown) and the terminal (and / or Server) (not shown) and the network connecting the financial transaction server 2300 functions as a financial transaction interface for the customer to register the financial transaction request information for the transfer of funds from the financial account to a predetermined non-opened financial account Perform

The financial transaction server 2300 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 2360 through a predetermined network means, and includes at least one server. (Or a device), and / or may be 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 financial transaction terminal 2360 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 transaction server 2300. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 2360 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 2300 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless 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 another exemplary embodiment of the present invention, when the financial transaction terminal 2360 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial transaction server 2300 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 2360 is a wired terminal (or a two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial transaction server 2300 may be configured as described above. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program included in the server (or device), and / or a server (or externally provided on the external system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The financial transaction request information transmitted from the financial transaction terminal 2360 to the financial transaction server 2300 for the transfer of funds from the financial account to a predetermined non-opened financial account, the financial account information and the transfer amount information of a predetermined remittance And transaction authentication information, payee unique information, and funds transfer authentication information.

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, a branch code) and contact person information (for example, a name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.).

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account to transfer funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter. It is characterized by not exceeding the balance deposited in the financial account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 23, the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is made through the non-face-to-face channel. Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the financial transaction system shown in Figure 23, characterized in that the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is made through a non-face-to-face channel, the transaction authentication information is the financial transaction Certified certificate information included in the terminal 2360 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 2360), or at least one or more contained in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for depositing the transferred amount, it is preferable to include the money transfer password information set by the remitter, or to include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter financial account to a predetermined virtual account, the transfer amount is finally transferred to the recipient financial account that matches the payee unique information, or the virtual money transfer; It is preferable to include limit period information for converting an account into the beneficiary financial account, wherein a beneficiary financial account matching the unique payee information is not newly registered or the payee financing until the money transfer period information elapses. When the pre-deposited amount of money in the virtual account has not been deposited due to the final transfer (e.g., the validity of the money transfer (or payee) through the money transfer authentication information until the money transfer period has elapsed) The transfer amount is refunded to the remitter's financial account. It is preferred.

According to the method of the present invention, the financial transaction server 2300 is characterized in that it comprises an interface unit 2305 for connecting and managing a predetermined communication channel with the financial transaction terminal 2360 through the network means. do.

According to an embodiment of the present invention, when the financial transaction terminal 2360 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 unit 2305 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 2305 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 transaction server 2300, the interface unit 2305 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 financial transaction terminal 2360 is a financial automatic device connected to a predetermined financial network, the interface unit 2305 may perform the financial 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 an automation 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 financial transaction terminal 2360 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 2305 is a protocol stack defined in the wireless communication 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 a communication program provided in the client terminal and connecting a predetermined communication channel with 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 2305 may communicate 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 transaction server 2300, the interface unit 2305 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 financial transaction terminal 2360 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 2305 is connected to the wired telephone network and / or. Alternatively, it is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 2305 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 financial transaction terminal 2360 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2305 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 23, the financial transaction server 2300 may be configured such that a predetermined financial transaction terminal 2360 connects a communication channel with the financial transaction server 2300 through the interface unit 2305, and / or the When a financial transaction for money transfer is requested from the financial account to a predetermined non-opened financial account through a communication channel, the predetermined financial transaction request information is input from the financial transaction terminal 2360 in cooperation with the interface unit 2305. And an interface providing unit 2310 which generates (or extracts) a predetermined user interface to transmit (or selects) and transmits the predetermined user interface to the financial transaction terminal 2360. ) Is provided with a predetermined terminal-side banking program including the user interface, the interface providing unit 2310 is preferably omitted.

The interface provider 2310 is provided in the financial transaction terminal 2360 after a predetermined financial transaction terminal 2360 connects the communication channel with the financial transaction server 2300 through the interface unit 2305. Corresponding to the functional configuration, a predetermined user interface capable of inputting (or selecting) the financial transaction request information and transmitting it to the financial transaction server 2300 via the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 2305 to the financial transaction terminal 2360 through the network means.

According to an embodiment of the present invention, when the financial transaction terminal 2360 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 2310. ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 2305 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 2360 is a financial automatic device connected to a predetermined financial network, the interface providing unit 2310 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 2305.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 2360 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2310 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and to provide the client terminal with the generated (or extracted) user interface through the interface unit 2305.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 2360 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 2310 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 2305 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 2360 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 2310 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2305. .

According to another exemplary embodiment of the present invention, the financial transaction terminal 2360 includes at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction server 2300 through the network means. When a predetermined terminal-side banking program is provided, the interface providing unit 2310 for providing the user interface to the financial transaction terminal 2360 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information. It is preferable to include an interface function to transmit to the financial transaction server (2300).

Referring to FIG. 23, the financial transaction server 2300 stores at least one remitter's financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information at the financial transaction terminal 2360 through the user interface. When the financial transaction request information including one or more information is input (or selected) and transmitted, the financial unit information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information are linked with the interface unit 2305. An information receiving unit 2315 for receiving the financial transaction request information including at least one, and the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the money transfer included in the received financial transaction request information; Validation unit 2325 for checking the validity of the authentication information, and in connection with the financial system A virtual account opening unit 2330 which opens a virtual account to which the transfer amount is pre-deposited based on the valid financial transaction request information, and a transfer amount corresponding to the financial transaction request information to the virtual account in connection with the financial system; A financial transaction processing unit 2335 for processing a financial transaction that prepays money, an information storage unit 2340 for storing a money transfer history corresponding to the financial transaction request information in a predetermined storage medium 2355, and the financial transaction processing unit; (2335) generate predetermined financial transaction result information for a financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account, and link the financial transaction result information with the interface unit 2305; And an information transmitter 2320 for transmitting to the financial transaction terminal 2360, wherein the information transmitter 2320 is unique to the payee. And generating predetermined financial account opening request information corresponding to the information, and transmitting the information to the recipient communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal.

The financial transaction terminal 2360 inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface. ) To the financial transaction server 2300 through the network means.

The information receiver 2315 may request a financial transaction including at least one or more remitter's financial account information, transfer amount information, transaction authentication information, beneficiary unique information, and money transfer authentication information through the user interface at the financial transaction terminal 2360. When the information is input (or selected) and transmitted through the network means, the financial transaction request information is received in association with the interface unit 2305, and the validity verification unit receives the received financial transaction request information. Provided by (2325).

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, a branch code) and contact person information (for example, a name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.).

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 23, the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is made through the non-face-to-face channel. At least one or more security code information (eg, one or more security codes, or two or more security codes) included in the security card provided to the customer during the account opening process, and / or the OTP ( One Tome Password) is preferably made by further comprising the OTP code generated by the generator.

In addition, the transaction authentication information is characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account through the non-face-to-face channel, the transaction authentication information is the financial transaction Certified certificate information included in the terminal 2360 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 2360), or at least one or more contained in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter financial account to a predetermined virtual account, the transfer amount is finally transferred to the recipient financial account that matches the payee unique information, or the virtual money transfer; It is preferable to include limit period information for converting an account into the beneficiary financial account, wherein a beneficiary financial account matching the unique payee information is not newly registered or the payee financing until the money transfer period information elapses. When the pre-deposited amount of money in the virtual account has not been deposited due to the final transfer (e.g., the validity of the money transfer (or payee) through the money transfer authentication information until the money transfer period has elapsed) The transfer amount is refunded to the remitter's financial account. It is preferred.

The validity confirming unit 2325 is configured to check whether the financial transaction request information received from the financial transaction terminal 2360 satisfies the validity for transfer of funds from a financial account to a predetermined non-opened financial account.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 2000 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 2000 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B (2000) on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 23, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed with the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B (2000) on the financial system corresponding to the remitter financial account It is preferable that the security code information is included, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the financial transaction request information is provided with a predetermined encryption key (for example, an encryption key provided in the financial transaction terminal 2360, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferably made, including, it is preferable that the validity of the financial transaction request information is authenticated when the electronic signature of the customer is confirmed.

When the validity of the financial transaction request information is confirmed, the virtual account opening unit 2330 is connected to a financial system equipped with an account ledger corresponding to the remitter financial account, and the transfer amount is set as the parent account. The predetermined virtual account to be transferred is characterized in that it is generated.

According to another exemplary embodiment of the present invention, a financial account (eg, a financial institution-side financial account or a payee is a conventional financial transaction customer of the financial institution) that manages at least one virtual account to which the transfer amount is pre-transmitted to the financial system. In this case, when the beneficiary financial account is provided, the virtual account opening unit 2330 may generate a predetermined virtual account to which the transfer amount is to be pre-deposited by using the financial account as a parent account. This is not limited.

When a predetermined virtual account to which the transfer amount is to be pre-deposited is opened, the financial transaction processing unit 2335 connects to the remitter financial information included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the remitter financial account. And withdrawal of the transfer amount from the financial account based on the account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the funds transfer authentication information to process the financial transaction in advance to the virtual account.

Thereafter, the information storage unit 2340 may correspond to the remitter financial account information and the transfer amount information included in the financial transaction request information (or the money transfer history corresponding to the financial transaction request information), and correspond to the non-opened financial account. Recipient unique information, money transfer authentication information for the unopened financial account and the virtual account information is characterized in that the stored in the predetermined storage medium (2355) by processing.

When the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is processed by the financial transaction processing unit 2335, the information transmission unit 2320 is connected with the financial transaction processing unit 2335 to the financial account. Generates a money transfer history including any one of money transfer result information or money transfer error information for a financial transaction for money transfer to a predetermined unopened financial account, and transfers the money in association with the interface unit 2305. The financial transaction result information including the details may be transmitted to the financial transaction terminal 2360 through the network means.

The money transfer history may include at least one of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information. Characterized in that it further comprises an authorization code (or error code) for the transaction.

The financial transaction result information includes a protocol structure for transmitting the generated money transfer history to the financial transaction terminal 2360 through the network means, wherein the financial transaction result information is the financial transaction request. It is preferable that the information is encrypted similarly to the information, or the electronic signature of the financial institution is attached and transmitted to the financial transaction terminal 2360.

After the financial transaction processing unit 2335 processes the money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the information transmission unit 2320 corresponds to the receiver specific information. Characterized in that for generating the financial account opening request information.

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, which includes the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. It is preferable that the payee comprises at least one financial account request information requesting to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

Thereafter, the information transmission unit 2320 transmits to the recipient communication means including at least one of the recipient's messenger ID, an e-mail address, and a wireless terminal, wherein the recipient communication means information is included in the financial transaction request information. If it is confirmed from the included unique payee information, or if the recipient communication means information is not included in the financial transaction request information, it is preferable that the recipient communication means information is provided separately from the client terminal used by the remitter.

Referring to FIG. 23, after the financial transaction processing unit 2335 processes a money transfer financial transaction from the financial account to a predetermined non-opened financial account according to the financial transaction procedure, the financial transaction server 2300 may perform the drawing. 1 and / or an information checking unit 2345 for confirming that a payee financial account matching the payee unique information is opened in connection with the financial company server 100 on the open system of the bank account shown in FIG. 6; Upon confirming that a matching payee financial account is opened, a payee authentication unit (2350) certifying that the transfer amount prepaid to the virtual account is transferred to the payee financial account via the money transfer authentication information (or payee unique information). And the transfer amount included in the money transfer details by the payee authentication unit 2350. If it is authenticated that the transfer is made to the account, the financial transaction processing unit 2335 finally deposits the transfer amount withdrawn from the remitter's financial account according to the financial transaction procedure and prepaid to the virtual account to the beneficiary financial account. Process the financial transaction, or convert the virtual account into the beneficiary financial account, and transfer the pre-transferd amount pre-transferred into the virtual account to the beneficiary financial account for depositing or depositing the virtual account; When switching to the payee financial account, the information transmission unit 2320 generates money transfer history information for the unopened financial account (or payee financial account) to the sender communication means (e.g., messenger ID of the sender, mail) Address, and a remitter communication means including at least one radio terminal).

In addition, the information check unit 2345 is characterized in that the current transfer period for the non-opened financial account (or payee financial account) by reading the money transfer period information included in the money transfer history, characterized in that, As a result of the check, when the period of transfer of funds for the unopened financial account (or the recipient financial account) has passed, the financial transaction processing unit 2335 is withdrawn from the remitter financial account according to the financial transaction procedure and is transferred to the virtual account. And processing a financial transaction for refunding the transferred transfer amount to the remitter's financial account, and processing a financial transaction for repaying the transfer amount withdrawn from the remitter's financial account and prepaid to the virtual account. The information transmission unit 2320 generates error information on the transfer of funds for the unopened financial account (or the beneficiary financial account). And the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal).

The information confirmation unit 2345 is connected to the financial company server 100 on the financial account opening system shown in FIGS. 1 and / or 6 to provide financial account application information provided from the financial account registration customer in the financial account registration process. Customer information (e.g., customer name and social security number, web server member information, or messenger information, or e-mail address information, or wireless terminal information) included in the data transfer history stored in the storage medium 2355 By checking the payee unique information (e.g., payee name and social security number, web server member information, messenger information, e-mail address information, or wireless terminal information), check whether a payee financial account matching the payee unique information is established. Characterized in that.

When it is confirmed by the information confirming unit 2345 that a payee financial account matching the payee unique information is opened, the payee authentication unit 2350 transfers the transfer amount prepaid to the virtual account to the payee financial account. Characterized in that the deposit is authenticated.

According to an exemplary embodiment of the present invention, when it is confirmed by the information confirming unit 2345 that a payee financial account matching with the payee unique information is established, the payee authentication unit 2350 performs the drawing 1 and / or the drawing 6. In connection with the financial company server 100 on the financial account opening system shown in FIG. 1, a request is made to input and provide predetermined funds transfer authentication information (or payee unique information) to the customer terminal of the payee, and is linked with the financial company server 100. Receiving the money transfer authentication information (or payee unique information) from the customer terminal of the payee, and receiving the money transfer authentication information (or payee unique information) and the money transfer authentication information (or stored in the storage medium 2355); By authenticating the payee unique information), and verifying that the transfer amount transferred in advance to the virtual account is transferred to the payee financial account and deposited. It is preferred.

If it is authenticated that the recipient authentication unit 2350 transfers the deposit amount included in the details of the money transfer to the beneficiary financial account and deposits it, the financial transaction processing unit 2335 performs the storage transaction according to the financial transaction procedure. A financial transaction, which is withdrawn from the remitter's financial account included in the money transfer history stored in 2355 and finally transferred to the virtual account, is transferred to the recipient's financial account.

According to the exemplary embodiment of the present invention, the financial transaction processing unit 2335 may withdraw money from the remitter's financial account based on the money transfer history stored in the storage medium 2355 and transfer the money transferred to the virtual account in advance. The banking system processes a financial transaction in which a final transfer is made to a financial account, and generates a deposit transaction history in which the transfer amount withdrawn from the remitter's financial account and pre-transmitted to the virtual account is finally transferred to the beneficiary financial account and deposited. It is preferable to store in the recipient's financial account ledger provided on the.

Thereafter, the information transmission unit 2320 generates money transfer history information including a deposit transaction history of depositing and transferring the transfer amount withdrawn from the remitter's financial account and prepaid to the virtual account to the recipient's financial account, The generated money transfer history information may be transmitted to the remitter communication means (for example, the remitter communication means including at least one of a remitter's messenger ID, an e-mail address, and a wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

In addition, the information verification unit 2345 compares and reads the money transfer period information included in the money transfer history with the current date and time information checked through a predetermined timer (not shown), and withdraws from the remitter's financial account to the virtual account. It is characterized by checking whether the period for transferring the transfer amount prepaid to the account to an unopened financial account (or payee financial account) has elapsed.

As a result of the check, when the period of transfer of funds for the non-opened financial account (or payee financial account) has elapsed, the financial transaction processing unit 2335 is withdrawn from the remitter financial account according to the financial transaction procedure and is transferred to the virtual account. Process a financial transaction for refunding the pre-deposited transfer amount to the remitter's financial account, and generate a refund history for repaying the amount corresponding to the transfer amount refund processed by the financial transaction processing unit 2335 to the remitter's financial account. It is preferable to store the remitter in the financial account ledger provided on the financial system.

Thereafter, the information transmission unit 2320 generates money refund history information including a refund of the money to be withdrawn from the remitter financial account and the money transfer prepaid to the virtual account to the remitter financial account, the generation Characterized in that for transmitting the refund information to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

24 illustrates a ledger configuration corresponding to a remitter financial account provided in a financial system for a non-face-to-face financial transaction for transfer of funds from a financial account to a non-opened financial account through a virtual account according to an embodiment of the present invention. Drawing.

More specifically, FIG. 24 shows the remitter financing opened in the ledger D / B 2400 of the DBMS on the financial system shown in FIG. 23 through the financial account opening system shown in FIGS. 1 and / or 6. As a method of implementing a ledger configuration including a virtual account opened with an account ledger corresponding to an account as a mother account, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to this drawing 24 and // Alternatively, it may be modified to infer various implementation methods for the construction of a ledger corresponding to the remitter financial account provided in the financial system for transferring funds from the financial account to a predetermined unopened financial account, but the present invention is inferred All implementation methods are included, and the present invention is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 24, when the financial system is provided with a predetermined financial account for managing at least one or more of the virtual accounts. Various implementation methods for a ledger configuration including a virtual account opened with a financial account as a parent account may be inferred, and the present invention is characterized by including all the implementation methods inferred.

Referring to FIG. 24 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 2400 provided in a DBMS on a financial system includes a predetermined ledger and at least one account associated with the ledger. It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system In the ledger D / B 2400 provided in the present invention, at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or the ledgers other than the customer ledger and the account ledger shown in FIG. It will be clearly understood that at least one additional information is included to further understand and will be familiar with specific technical matters. A detailed description thereof will be omitted for convenience.

The customer ledger is a ledger containing customer information corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, CIF (Customer Information File) number, country code, contact ID, branch number , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, 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.

The ledger is a ledger corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, Status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank account number, interest, time extension, time extension, ARS setting, last deposit date, last withdrawal amount, final deposit amount At least one or more of the final withdrawal amount, the number of unpaid account transactions, interest rate account accounting, the consolidation status, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic receipt information including at least one of a number, abstention (months), period (days), period extension, expiration date and target amount, and / or account number corresponding to the ledger, deposit , Trust receipt information including at least one face value, a pension date, and the number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, an RBI, a batch corresponding to the account ledger; It includes transaction history information including at least one of a batch number, a compound transaction, a calculation date, a 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.

The virtual account ledger is the account ledger as the mother account, the virtual account ledger information configuration is similar to the account ledger information configuration, and further comprises a mother account information for linking the virtual account with the mother account.

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

Figure 25 is a non-face-to-face for the transfer of funds from a financial account to an unopened financial account through a virtual account in accordance with an embodiment of the present invention to process a financial transaction for the transfer of funds from a financial account to a predetermined unopened financial account A diagram illustrating the process.

In more detail, FIG. 25 illustrates the case where the financial transaction server 2300 on the financial transaction system illustrated in FIG. 23 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 2300 and connecting a communication channel for the financial transaction, the financial account information, the transfer amount information, and the transaction authentication information of the remitter to the financial transaction server 2300 through the communication channel. And the financial transaction request information including payee unique information and fund transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication included in the received financial transaction request information from the financial transaction server 2300. From the financial account to the predetermined non-opened financial account using the information, the recipient's unique information and the funds transfer authentication information The present invention relates to a method of providing a financial transaction for transfer, and a person of ordinary skill in the art to which the present invention pertains refers to the present invention by referring to and / or modifying the drawing of FIG. Various implementation methods for the process of processing a financial transaction for transfer of funds to an open financial account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, in FIG. 25, the client terminal shown in FIG. 23 is referred to as "terminal" for convenience, and the financial transaction server 2300 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 25, the terminal shown in FIG. 23 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, and And / or request a financial transaction for transfer of funds from the financial account to a predetermined unopened financial account (2500) by accessing the server through an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, etc. In response, the server requests a financial transaction including at least one remitter financial account information, a transfer amount information, transaction authentication information, a payee unique information, and a money transfer authentication information for transfer of funds from the financial account to a predetermined non-opened financial account. Generate (or extract) a web page including a user interface for inputting (or selecting) information and forwarding the information to the terminal through the communication channel. And outputs (2505).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the user interface (2510). ).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the user interface (2515), The terminal sends (2520) the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information to the server through the communication channel (2520). The transfer (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the channel may be input (or selected) through the user interface. Electronic signature and / or encryption of the financial transaction request information through a security module (not shown) provided in the terminal It further comprises sending to the server are preferred.

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 23, the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is made through the non-face-to-face channel. Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the transaction authentication information is characterized in that the financial transaction system for the transfer of funds from the financial account to a predetermined non-opened financial account is made through a non-face-to-face channel, the transaction authentication information is the financial Certified certificate information included in the transaction terminal 2360 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 2360), or at least one included in the certificate Preferably, the method further comprises encrypting the financial transaction request information based on the encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter financial account to a predetermined virtual account, the transfer amount is finally transferred to the recipient financial account that matches the payee unique information, or the virtual money transfer; It is preferable to include limit period information for converting an account into the beneficiary financial account, wherein a beneficiary financial account matching the payee unique information is not newly registered or the payee is not until the period of the transfer of money. Effectiveness of the money transfer (or payee) through the money transfer authentication information until the pre-deposited transfer amount from the virtual account to the financial account is finally transferred and not deposited (e.g., until the money transfer period has elapsed). The transfer amount is refunded to the remitter's financial account. It is preferred.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the communication channel. Checking the validity of the request information (2525), and confirming the validity of the financial transaction request information, the electronic signature and / or encryption through the security module (not shown) the financial transaction request information is provided in the terminal In this case, the financial transaction request information may be decrypted, and / or the financial transaction request information may be further included.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by an account for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 2400 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount of money deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 2400 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 2400 on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 23, when the transaction authentication information further includes predetermined security code information, the validity of the financial transaction request information is determined by the security code information. And security code information corresponding to a security card included in (or associated with) the account ledger provided in the ledger D / B 2400 on the financial system in response to the remitter financial account, and the transaction authentication information. It is preferable to include whether the corresponding security code information is matched, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

Further, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (2530), the server generates a fund transfer history including predetermined fund transfer error information corresponding to the validity error information (2535), and establishes the financial network. The financial transaction result information including the money transfer history is transmitted to the terminal and output (2540).

On the other hand, if the validity of the financial transaction request information is authenticated (2530), the server opens a predetermined virtual account to which the transfer amount will be prepaid in connection with a financial system equipped with an account ledger corresponding to the remitter's financial account. In operation 2645, the remittance is transferred from the financial account based on the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the money transfer authentication information included in the financial transaction request information in connection with the financial system. The amount of money is withdrawn and the financial transaction is pre-transmitted to the opened virtual account (2550).

If a financial transaction for prepaying the transfer amount from the remitter's financial account to the opened virtual account is processed (2555), the server transfers the transaction details including the financial transaction result of prepaying the transfer amount to the virtual account. Generate (2560).

The money transfer history may include at least one of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information. Characterized in that it further comprises an authorization code (or error code) for the transaction.

Thereafter, the server associates at least one or more of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information included in the money transfer history to the storage medium ( 2355) (2565).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or financial transaction request information corresponding to the money transfer history), and recipient unique information corresponding to the unopened financial account. And transfer the funds transfer authentication information for the unopened financial account is stored in a predetermined storage medium (2355).

In addition, the server transmits the financial transaction result information including the fund transfer history to the terminal through the financial network (2570), and correspondingly, the terminal prints and outputs a financial transaction receipt including the fund transfer history. (2575).

26A and 26B illustrate a method for transferring funds from a financial account to a predetermined unopened financial account in a non-face-to-face manner for transferring funds from a financial account to an unopened financial account through a virtual account according to another embodiment of the present invention. A diagram illustrating a process of processing a transaction.

In more detail, FIGS. 26A and 26B illustrate a case in which the financial transaction system illustrated in FIG. 23 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal transmits predetermined financial transaction request information for transferring funds from a financial account to a predetermined non-opened financial account. When the banking server transmits the financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information, the financial transaction server 2300 receives the received financial transaction. Remitter financial account information, transfer amount information, transaction authentication information and beneficiary notice included in the requested information Method for providing a financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account using the information and funds transfer authentication information, if the person skilled in the art to which the present invention belongs, By referring to and / or modifying FIGS. 26A and 26B, various implementation methods for the process of processing a financial transaction for transfer of funds from a financial account to a predetermined unopened financial account in a non-face-to-face manner other than the Internet banking can be inferred. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 26A and 26B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction 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, Refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 26a and 26b and between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Financial transactions Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for request information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 26A and 26B, and in addition to the Internet banking system, a telebanking system And / or in each of the other non-face-to-face banking systems of at least one or more, including at least one wireless banking system and / or a TV banking system, each non-financial banking system for processing financial transactions for transfer of funds from said financial account to a predetermined unopened financial account. Although it may be possible to infer an implementation method of connecting a financial transaction channel corresponding to a face-to-face channel, the present invention provides the telebanking system and / or the wireless banking system and / or the TV banking system and / or the proposed non-face-to-face channel banking system. It includes all kinds of non-face-to-face channel-based financial transactions, including the technical configuration of the present invention If it is by no means limited to the case of the Internet banking illustrated in figures 26a and 26b.

Hereinafter, in FIGS. 26A and 26B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 2300 is referred to as a "server" for convenience.

26A and 26B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2600a), the server communicates between the terminal and the server through the browser. (2605a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal, transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal 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 (2610a).

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 (2615a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (2620a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (2625a), or if the terminal does not need to install and / or update the Internet banking security module (2615a), 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 (2630a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering financial transaction request information 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 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 provided to the server for registering financial transaction request information in the terminal. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server 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 (2635a).

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 (2640a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (2645a).

If the Internet banking customer authentication fails (2650a), the server blocks the internet banking security channel for the terminal (2655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2660a), where the Internet banking based The financial transaction channel refers to the financial transaction request information including at least one of the remitter's financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information from the terminal to the server. It refers to a communication channel capable of processing the internet banking-based financial transactions.

Thereafter, the terminal requests an internet banking-based financial transaction for transfer of funds from the financial account to a predetermined unopened financial account through the financial transaction channel (2600b), and in response, the server requests the financial account. Inputting (or selecting) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information for transferring funds to a predetermined unopened financial account in A web page including a user interface is generated (or extracted), transmitted to the terminal through the financial transaction channel, and output (2605b).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the user interface (2610b). ).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the user interface (2615b), The terminal transmits the remitter's financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information to the server through the financial transaction channel (2620b). The transfer (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial transaction channel is input (or selected) through the user interface. The electronic signature and / or the financial transaction request information through the security module (not shown) provided in the terminal Preferably, the method further comprises encrypting and transmitting the encrypted data to the server.

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information comprises a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined non-opened financial account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, in the characteristic of the financial transaction system shown in FIG. 23, the financial transaction for transfer of funds from the financial account to a predetermined non-opened financial account is made through the non-face-to-face channel. Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the transaction authentication information is characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened financial account through the non-face-to-face channel, the transaction authentication information is the financial transaction Certified certificate information included in the terminal 2360 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 2360), or at least one or more contained in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened financial account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Preferably, the web server includes at least one of web server member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information associated with the financial institution.

The money transfer authentication information for the unopened financial account may be withdrawn from the remitter's financial account after the recipient opens a new recipient's financial account through the financial account opening system shown in FIGS. 1 and / or 6. As the authentication information for receiving the deposit by transferring the amount of money, it is preferable to include the money transfer password information set by the remitter or include at least one or more of the payee unique information.

For example, when the money transfer authentication information for the unopened financial account includes the money transfer password information set by the remitter, the money transfer password is set by the payee in the financial account shown in FIGS. 1 and / or 6. It is preferable to be provided to the payee before registering a predetermined payee financial account through the open system, and preferably to serve as a secret key (or symmetric key) for transferring funds to the unopened financial account.

Alternatively, when the money transfer authentication information for the unopened financial account includes at least one or more of the beneficiary unique information, a predetermined financial account is established through the financial account opening system shown in FIGS. 1 and / or 6. In the process of registering, by checking whether the registered financial account matches the payee unique information, it is preferable to serve as a secret key (or symmetric key) for the transfer of funds to the unopened financial account.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter financial account to a predetermined virtual account, the transfer amount is finally transferred to the recipient financial account that matches the payee unique information, or the virtual money transfer; It is preferable to include limit period information for converting an account into the beneficiary financial account, wherein a beneficiary financial account matching the unique payee information is not newly registered or the payee financing until the money transfer period information elapses. When the pre-deposited amount of money in the virtual account has not been deposited due to the final transfer (e.g., the validity of the money transfer (or payee) through the money transfer authentication information until the money transfer period has elapsed) The transfer amount is refunded to the remitter's financial account. It is preferred.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial transaction channel. Checking the validity of the financial transaction request information (2625b), and confirming the validity of the financial transaction request information, the electronic signature and / through the security module (not shown) provided with the financial transaction request information on the terminal; Or, if encrypted, further comprising decrypting the financial transaction request information, and / or decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by an account for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B 2400 on the financial system. It is preferable to include whether the ledger (or the customer ledger corresponding to the remitter financial account) is provided, and if the account ledger (or the customer ledger corresponding to the remitter financial account) is provided, the financial transaction request It is desirable that the validity of the information be authenticated.

In addition, the validity check of the financial transaction request information is the amount of money deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B 2400 on the financial system corresponding to the remitter financial account) It is preferable to include whether the amount is greater than the transfer amount included in the transaction request information, and when the balance amount of the remitter's financial account is greater than the transfer amount, the validity of the financial transaction request information is preferably verified.

In addition, the validity check of the financial transaction request information is provided in the ledger D / B 2400 on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or linked) on the account ledger, and confirming that the various passwords corresponding to the transaction authentication information match, and wherein the various passwords corresponding to the transaction authentication information match. It is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 23, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed with the security code information. Corresponding to the transaction authentication information in comparison with the security code information corresponding to the security card included on (or associated with) the account ledger provided in the ledger D / B 2400 on the financial system in response to the remitter financial account. It is preferable that the security code information is included, and if the security code information corresponding to the transaction authentication information is matched, the validity of the financial transaction request information is preferably authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the financial transaction request information is provided with a predetermined encryption key (for example, an encryption key provided in the financial transaction terminal 2360, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 23, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (2630b), the server generates a fund transfer history including predetermined fund transfer error information corresponding to the validity error information (2635b), and establishes the financial network. The financial transaction result information including the money transfer history is transmitted to the terminal and output (2640b).

On the other hand, if the validity of the financial transaction request information is authenticated (2630b), the server opens a predetermined virtual account to which the transfer amount is pre-transmitted in connection with a financial system equipped with an account ledger corresponding to the remitter financial account. In operation 2645b, the remittance is transferred from the financial account based on the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the money transfer authentication information included in the financial transaction request information in connection with the financial system. Withdraw the amount to process the financial transaction to pre-transfer to the opened virtual account (2650b).

If a financial transaction for prepaying the transfer amount from the remitter's financial account to the opened virtual account is processed (2655b), the server transfers the money transfer details including the financial transaction result of prepaying the transfer amount to the virtual account. Generates 2660b.

The money transfer history may include at least one of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information. Characterized in that it further comprises an authorization code (or error code) for the transaction.

Thereafter, the server associates at least one or more of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the virtual account information included in the money transfer history to the storage medium ( 2355) (2665b).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or financial transaction request information corresponding to the money transfer history), and recipient unique information corresponding to the unopened financial account. And transfer the funds transfer authentication information for the unopened financial account is stored in a predetermined storage medium (2355).

In addition, the server transmits the financial transaction result information including the fund transfer history to the terminal through the financial network (2670b), and correspondingly, the terminal prints and outputs a financial transaction receipt including the fund transfer history. (2675b).

27 illustrates a process of depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to an unopened financial account through a virtual account according to an embodiment of the present invention and transferring it to the recipient's financial account. Drawing.

In more detail, FIG. 27 illustrates a process of withdrawing the transfer amount from the remitter financial account shown in FIGS. 25 and / or 26 and pre-transferring it to the virtual account, thereby providing the remitter financial information to the storage medium 2355. For the unopened financial account, which includes at least one of account information, transfer amount information, payee-specific information corresponding to the unopened financial account, funds transfer authentication information, and money transfer period information for the unopened financial account. After the money transfer history is stored, the financial transaction server (2300) in connection with the financial institution server 100 shown in Figures 1 and / or 6, the remitter financing based on the money transfer history for the unopened financial account The transfer amount transferred from the account and prepaid to the virtual account is transferred to the beneficiary financial account corresponding to the non-opened financial account and processed for the deposit. As a person having ordinary knowledge in the technical field to which the present invention pertains, the virtual account is withdrawn from the remitter's financial account to transfer funds to the unopened financial account by referring to and / or modifying the drawing 27. It will be possible to infer various implementation methods for the process of depositing the transfer amount transferred to the beneficiary financial account in the present invention, but the present invention includes all the implementation methods inferred above, and the implementation method shown in FIG. The technical features are not limited only.

Hereinafter, in FIG. 27, the financial transaction server 2300 on the financial transaction system shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 27, a process of withdrawing the transfer amount from the remitter financial account shown in FIGS. 25 and / or 26 and pre-transferring the transfer to the virtual account is performed to the remitter financial account in the storage medium 2355. Funds for the unopened financial account including information, transfer amount information, payee-specific information corresponding to the unopened financial account, funds transfer authentication information and money transfer period information for the unopened financial account. When the transfer history is stored, the server generates predetermined financial account opening request information corresponding to the unique payee information, and at least one of the recipient ID, e-mail address, and wireless terminal of the generated financial account opening request information. The transmission to the recipient communication means including the above (2700).

Here, the request for opening the financial account includes information on the transfer of funds for the unopened financial account, which includes the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. Preferably, the payee includes at least one or more financial account request information for requesting to open a predetermined payee financial account through the financial account opening system shown in FIGS. 1 and / or 6.

In addition, the recipient communication means information is confirmed from the recipient specific information included in the money transfer history for the non-opened financial account, or if the recipient communication means information is not included in the financial transaction request information, Preferably, the recipient communication means information is provided separately.

Thereafter, the server checks whether at least one new financial account is registered in connection with the financial institution server 100 illustrated in FIGS. 1 and / or 6 (2705).

If at least one new financial account is confirmed to be registered (2710), the server checks whether the new financial account is opened to the payee financial account through the payee unique information stored in the storage medium 2355 (2715). .

According to an embodiment of the present invention, the server is financed provided from the financial account registration customer in the financial account registration process in connection with the financial company server 100 on the financial transaction establishment system shown in Figure 1 and / or Figure 6 Customer information (for example, customer name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information) included in the account opening request information and the non-opening stored in the storage medium 2355 By comparing the payee unique information (e.g., payee name and social security number, web server member information, or messenger information, e-mail address information, or wireless terminal information, etc.) included in the funds transfer history for the financial account, the payee unique information. It is desirable to verify that a beneficiary financial account matching with is established.

If it is not confirmed that the beneficiary financial account is opened (2720), the server checks whether the money transfer period for the beneficiary financial account has passed (2725) in association with the storage medium 2355.

According to an embodiment of the present invention, the server compares and reads the money transfer period information included in the money transfer history for the non-opened financial account with the current date and time information checked through a predetermined timer (not shown), and the remitter It is preferable to check whether the period for transferring the transfer amount withdrawn from the financial account and prepaid to the virtual account to the unopened financial account (or the recipient financial account) has passed.

If the check result is that the money transfer period has not elapsed (2730), the server repeats the process of checking whether the payee financial account is opened until the money transfer period has elapsed.

On the other hand, if the check transfer period has passed (2730), the server processes the financial transaction to refund the transfer amount for the beneficiary financial account to the remitter financial account in connection with the financial system in which the remitter financial account is opened. In operation 2740, predetermined money refund history information corresponding to the money refund is transmitted to the remitter communication means (2740).

According to the implementation method of the present invention, when the funds transfer period for the unopened financial account (or payee financial account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Processes a financial transaction for refunding the transfer amount prepaid to the virtual account to the remitter's financial account, and generates a reimbursement detail for refunding the amount corresponding to the transfer amount refund to the remitter's financial account and is provided on the financial system. It is preferable to store the remitter in the financial account ledger.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the virtual account to the remitter financial account, and the generated money refund history information It is characterized in that for transmitting to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or separately received the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter the funds It is desirable to save it in connection with the transfer history.

On the other hand, if it is confirmed that the beneficiary financial account is opened (2720), the server requests the money transfer authentication information to the beneficiary client terminal in connection with the financial institution server 100 shown in FIG. 1 and / or FIG. (2745) and after receiving the money transfer authentication information from the payee customer terminal in connection with the financial institution server 100 (2750), the money transfer authentication information and the money transfer stored in the storage medium (2355) The authentication information is compared to check the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer) (2755).

If the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is not authenticated (2730), the server provides a financial system in which the remitter financial account is opened. In connection with the processing of the financial transaction to refund the transfer amount for the payee financial account to the remitter financial account (2735), and transfers the predetermined information of the refund information corresponding to the money refund to the remitter communication means (2740). ).

According to the implementation method of the present invention, when the funds transfer period for the unopened financial account (or payee financial account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Processes a financial transaction for refunding the transfer amount prepaid to the virtual account to the remitter's financial account, and generates a reimbursement detail for refunding the amount corresponding to the transfer amount refund to the remitter's financial account and is provided on the financial system. It is preferable to store the remitter in the financial account ledger.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the virtual account to the remitter financial account, and the generated money refund history information It is characterized in that for transmitting to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, mail address, wireless terminal).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

On the other hand, if the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient of the money transfer financial account) through the money transfer authentication information is authenticated (2760), the server opens the remitter financial account and the recipient financial account. In connection with the established financial system, a deposit financial transaction for transfer of funds to the beneficiary financial account is processed (2765).

When the transfer amount is withdrawn from the remitter financial account according to an embodiment of the present invention, the server withdraws from the remitter financial account based on the money transfer history for the unopened financial account stored in the storage medium (2355) The bank transfers the funds to the bank account, and transfers the amount of money that has been prepaid to the virtual account to the beneficiary financial account. It is preferable to generate a deposit transaction history of the transfer by depositing and to store the deposit transaction details in the recipient's financial account ledger provided on the financial system.

If the deposit financial transaction for the transfer of funds to the beneficiary financial account is processed (2770), the server deposits by transferring the transfer amount withdrawn from the remitter financial account and prepaid to the virtual account to the beneficiary financial account. Generate money transfer history information including transaction details, and transfer the generated money transfer history information to the remitter communication means (e.g., the remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal); Transmit (2775).

Here, the remitter communication means information is determined from the customer ledger corresponding to the remitter financial account, or the sender communication means information in the process of receiving the financial transaction request information for the unopened financial account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

According to the present invention, unique information (e.g., recipient's resident registration information (e.g. name and resident registration number)), web server member information (e.g., the recipient can identify (or verify) the recipient even without opening a financial account. Funds that allow a given remitter to transfer a predetermined amount to a recipient's unopened financial account through member ID information), messenger information (e.g., messenger name and messenger ID information), e-mail address information, wireless terminal information, etc. There is an advantage to providing transfer services.

According to the present invention, there is an advantage of inducing a plurality of payees to open a new financial account through a money transfer service for the unopened financial account.

Claims (6)

delete Non-opened information including one or more remitter financial account information, bank transfer amount information, payee unique information that does not have a beneficiary financial account open, payee information matching the customer ledger on the financial ledger, and information on the period of money transfer. When requesting an account transfer by transmitting the money transfer information for the account, the financial transaction processing means opens a non-payment virtual account under the payee's name based on the payee unique information, and withdraws the account transfer amount from the remitter's financial account. Depositing the withdrawn money transfer account into the unpaid virtual account; Storing information in a storage medium by linking the remitter financial account information, the payee unique information, the unpaid virtual account information, and the money transfer amount information in an information storage means; Transmitting account opening request information from the information transmitting means to the recipient communication means corresponding to the unique recipient information; Confirming the financial account of the payee's name, which has been established after including a rechargeable prepaid card (or virtual account) attribute, so as to provide a non-face-to-face financial transaction in an unidentified state through the payee unique information in the information verification means; or Identifying a financial account in the payee name corresponding to the account ledger associated with the customer ledger registered in the financial ledger, including information matching the unique payee information; And As a result of the checking, when the recipient financial account is opened, the financial transaction processing means checks the unpaid virtual account information and the amount of the account transfer in association with the storage medium (or storage medium operating means), and then checks the unpaid virtual account. And withdrawing the deposited amount into the beneficiary financial account. The method of claim 2, And repaying the amount deposited in the virtual account to the remitter's financial account if the recipient's financial account is not opened after a predetermined period of time corresponding to the money transfer period information in the financial transaction processing means. A method for transferring funds of an unopened account, characterized by the above. A computer-readable recording medium having recorded thereon a program for executing the method of claim 2. Non-opened information including one or more remitter financial account information, bank transfer amount information, payee unique information that does not have a beneficiary financial account open, payee information matching the customer ledger on the financial ledger, and information on the period of money transfer. When requesting an account transfer by sending the money transfer information for the account, open an unpaid virtual account of the payee name based on the payee unique information, withdraw the account transfer amount from the remitter financial account, the withdrawn account Financial transaction processing means for depositing a transfer amount into the unpaid virtual account; Information storage means for storing the remitter financial account information, the payee unique information, the unpaid virtual account information, and the money transfer amount information in a storage medium; Information transmitting means for transmitting account opening request information to a recipient communication means corresponding to the recipient unique information; And And information checking means for confirming a payee financial account in a real name verification state through the payee unique information. The financial transaction processing means, As a result of the checking, when the beneficiary financial account is opened, after confirming the unpaid virtual account information and the amount of the account transfer in connection with the storage medium (or storage medium operating means), withdraw the amount deposited in the confirmed unpaid virtual account. Fund transfer system of the unopened account, characterized in that the deposit to the payee financial account. The information confirmation means according to claim 5, Confirm a financial account in the recipient's name that has been established and then opened, including a rechargeable prepaid card (or virtual account) attribute, to provide non-face-to-face financial transactions in an unverified state; or And a financial account of the payee's name corresponding to the account ledger associated with the customer ledger registered in the financial ledger, including information matching the unique payee information.

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