KR101049555B1 - Medialess Financial Transaction Method, Automated Equipment and Program Recording Media for the Same - Google Patents

Abstract

The present invention relates to a medium-free financial transaction method, an automated device, and a program recording medium therefor, wherein the medium-free financial transaction method according to the present invention provides a customer requesting a financial transaction through a financial terminal. -When a financial transaction is requested, a process of outputting an interface screen for inputting (or selecting) a financial transaction subitem-inquiry, transfer, withdrawal-that can be made without a media transaction, and an interface for inputting (or selecting) the financial transaction subitem When any one of the outputted financial transaction sub-items is input (or selected) through the screen, the first authentication information is registered with the first financial institution that provides the financial transaction service to provide the financial transaction service to the customer. Authentication information, second authentication information, authentication information registered at the second financial institution designated by the customer, financial account information, and withdrawal request amount information. Processing to output an interface screen for output (or selection); and firstly authenticating through the first financial institution in response to the first authentication information input (or selected) through the output interface screen, In response to the second authentication information, performing a second authentication through the second financial institution; and if the first authentication and the second authentication are successful, withdrawing the withdrawal request amount from the financial account of the customer. Include.

Media-Free, Financial Transactions

Description

Method for non-financial financial transaction, automated equipment and program recording medium {Method for Transacting Non-Media Financial, Automated Teller Machine and Program Recording Medium}

1 is a diagram illustrating a face-to-face financial transaction information registration system for face-to-face financial transaction request customer authentication processing according to an embodiment of the present invention.

2 is a diagram illustrating the configuration of media-free financial transaction application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner to process the media-free financial transaction request customer authentication according to an embodiment of the present invention.

3 is a view illustrating the construction of media-free financial transaction application information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner to process a media-free financial transaction request customer authentication according to another embodiment of the present invention. Figure is shown.

4 is a diagram illustrating the configuration of media-free financial transaction application information stored in a DBMS provided in a banking server in a face-to-face manner to process a media-free financial transaction request customer authentication according to another exemplary embodiment of the present invention.

5A and 5B are diagrams illustrating a process of registering media-free financial transaction application information in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating a process of registering media-free financial transaction application information in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of registering media-free financial transaction application information in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a non-face-to-face financial transaction information registration system for a non-media financial transaction request customer authentication process according to another exemplary embodiment of the present invention.

9 is a diagram showing the configuration of media-free financial transaction application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the request processing of the media-free financial transaction request customer authentication according to an embodiment of the present invention .

Figure 10 is a media-free financial transaction request information configuration stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the authentication process of the media-free financial transaction request customer authentication according to another embodiment of the present invention Figure is a diagram.

FIG. 11 is a diagram illustrating the configuration of media-free financial transaction application information stored in a DBMS provided in a banking server in a non-face-to-face manner for a media-free financial transaction request customer authentication process according to another exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a process of registering media-free financial transaction application information in a non-face-to-face manner for a media-free financial transaction request customer authentication process according to an exemplary embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of registering media-free financial transaction application information through a non-face-to-face financial transaction channel for a media-free financial transaction request customer authentication process according to an exemplary embodiment of the present invention.

14 is a diagram illustrating a functional configuration of a financial terminal for financial transaction processing using a mediumless transaction mode according to an embodiment of the present invention.

15 is a diagram illustrating an operation process of a financial terminal for financial transaction processing using a mediumless transaction mode according to an embodiment of the present invention.

16A and 16B illustrate an operation process of a financial terminal for financial transaction processing using a mediumless transaction mode according to another exemplary embodiment of the present invention.

FIG. 17 is a diagram illustrating a non-face-to-face financial transaction system for providing a financial transaction service without a bankbook or cash card to a customer who uses the automated teller machine according to an embodiment of the present invention.

18 is a ledger corresponding to a financial account provided in a financial system for a non-face-to-face financial transaction for providing a financial transaction service without a bankbook or a cash card to a customer who uses the automated teller machine according to an embodiment of the present invention. Figure is a diagram.

FIG. 19 is a financial transaction without a bankbook or cash card for a customer who uses the automated teller machine in a non-face-to-face manner to provide a financial transaction service without a bankbook or cash card for a customer who uses the automated teller machine according to an embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for service provision.

20 is a non-facebook method for customers who use the automated teller machine in a non-face-to-face manner to provide a financial transaction service without a passbook or cash card to a customer who uses the automated teller machine according to another embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for providing a financial transaction service.

<Description of main parts of drawing>

1400 financial terminal 1405 control unit

1410: card reader 1415: screen output unit

1420: key input 1425: power supply

1430: communication unit 1435: terminal function unit

1440: cash payment 1445: cash deposit

1450: cash release unit 1455: memory unit

1460: mode confirmation unit 1465: authentication processing unit

1470: information reading unit 1475: professional generation unit

1480: professional processing unit 1485: information input unit

The present invention provides an interface for inputting (or selecting) a financial transaction subitem-inquiry, transfer, withdrawal-that can be conducted without a media when a client requesting a financial transaction requests a media-free bankbook or a card-free financial transaction through a financial terminal. Processing a screen to be output; and when any one of the output financial transaction subitems is input (or selected) through an interface screen for inputting (or selecting) the financial transaction subitem, the financial transaction service for the customer. First authentication information for providing the information, authentication information registered with the first financial institution providing the financial transaction service, second authentication information, authentication information registered with the second financial institution designated by the customer, and a financial account. Processing to output information and an interface screen for inputting (or selecting) withdrawal request amount information; and inputting (or selecting) through the outputted interface screen In response to first authentication information, performing first authentication through the first financial institution, and in response to second authentication information, performing second authentication through the second financial institution, and performing the first authentication and the second authentication. If successful, it relates to a medium-free financial transaction method comprising the step of withdrawing the withdrawal request amount from the customer's financial account.

Due to the development of the financial industry, many financial institutions have been created around us, and through this, many people's assets are managed through financial institutions.

In addition, the development of information and communication technology is a state capable of sharing a variety of information through computerization between financial institutions.

In such a situation, financial institutions provide a medium-less (ie, no passbook or cardless) transaction service to provide a more convenient financial transaction service, but there is a weak point in the security problem to provide a service with only a simple password authentication. .

An object of the present invention for solving the above problems, when a customer requesting a financial transaction requests a medium-free bankbook or a card-free financial transaction through a financial terminal, for providing a medium-free financial transaction service to the customer First authentication information-authentication information registered with a first financial institution that provides the financial transaction service-, second authentication information-authentication information registered with a second financial institution designated by the customer-, financial account information, In response to a screen output unit for processing to output an interface screen for inputting (or selecting) information on the withdrawal request amount (or transfer request amount) and the first authentication information input (or selected) through the output interface screen, According to an aspect of the present invention, there is provided an automated device including an authentication processing unit configured to perform first authentication through the first financial institution and second authentication through the second financial institution in response to second authentication information.

In the medium-free financial transaction method according to the present invention, when a customer requesting a financial transaction requests a medium-free bank account or a card-free financial transaction through a financial terminal, the medium-free financial transaction subitems-inquiry, transfer, withdrawal- Processing to output an interface screen for input (or selection); and when any one of the output financial transaction sub-items is input (or selected) through the interface screen for input (or selection) of the financial transaction sub-item, the In order to provide a financial transaction service to a customer, the first authentication information—the authentication information registered with the first financial institution that provides the financial transaction service—and the second authentication information—registered with the second financial institution designated by the customer. Processing to output an interface screen for inputting (or selecting) authentication information, financial account information, and withdrawal request amount information; In response to the first authentication information input (or selected) through the screen, firstly authenticating through the first financial institution and secondly authenticating through the second financial institution in response to the second authentication information; And, if the first authentication and the second authentication is successful, characterized in that it comprises the step of withdrawing the withdrawal request amount from the financial account of the customer.

On the other hand, the medium-free financial transaction method according to the present invention, when a customer requesting a financial transaction requesting a medium-free bankbook or a card-free financial transaction through a financial terminal, the financial transaction subitems-inquiry, transfer, Withdrawal-processing to output an interface screen for input (or selection), and when any one of the output financial transaction sub-items is input (or selected) through the interface screen for inputting (or selecting) the financial transaction sub-items. In order to provide a financial transaction service to the customer, the first authentication information-authentication information registered with the first financial institution providing the financial transaction service-and the second authentication information-the second financial institution designated by the customer Processing to output the registered authentication information, financial account information, and an interface screen for inputting (or selecting) transfer request amount information; In response to the first authentication information input (or selected) through an e-mail screen, firstly authenticating through the first financial institution and secondly authenticating through the second financial institution in response to the second authentication information. And, if the first authentication and the second authentication is successful, characterized in that it comprises the step of transferring the withdrawal request amount from the customer's financial account to the financial account requested by the customer.

In the medium-free financial transaction method according to the present invention, the second authentication through the second financial institution, the second authentication information is transmitted to the server of the first financial institution, the first financial institution server And processing the authentication of the second authentication information in association with the server of the second financial institution.

In the medium-free financial transaction method according to the present invention, when the withdrawal request amount (or transfer request amount) of the customer is more than the limit amount, approval for processing the withdrawal request amount (or transfer request amount) through the authentication means of the customer It characterized in that it further comprises the step of requesting.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described medium-free financial transaction method.

On the other hand, the automated device according to the present invention, when a customer requesting a financial transaction requests a medium-free bankbook or a card-free financial transaction through a financial terminal, the first device for providing a medium-free financial transaction service to the customer Authentication information-authentication information registered to the first financial institution that provides the financial transaction service-, second authentication information-authentication information registered to the second financial institution designated by the customer-, financial account information, withdrawal In response to the screen output unit for processing to output the interface screen for input (or selection) of the request amount (or transfer request amount) information, and the first authentication information input (or selected) through the output interface screen, And an authentication processing unit configured to perform first authentication through a first financial institution and second authentication through the second financial institution in response to the second authentication information.

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

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

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

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

1 is a diagram illustrating a system for registering a faceless financial transaction information in a face-to-face manner for processing a request for customer-less financial transaction according to an embodiment of the present invention.

In more detail, Figure 1 includes a predetermined customer including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information for a media-free financial transaction request customer authentication process. After completing and submitting a medialess financial transaction application form, a predetermined window terminal 175 acquires predetermined image contents corresponding to the medialess financial transaction application form through a predetermined image acquisition device, and provides a predetermined information registration interface. By providing the media-free financial transaction application information corresponding to the media-free financial transaction application and the image content obtained from the media-free financial transaction application to the media-free financial transaction information registration system, Generate a media financial transaction application electronic document and store it in a predetermined electronic document storage, The system configuration for processing the customer information, the second financial institution information, the authentication target medium information, the limit amount information, the second authentication means information included in the application for the fusion transaction and store in the predetermined storage medium 145 Specifically, the present invention relates to an implementation method in which the electronic document repository is provided on an external system associated with the media-free financial transaction information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 1 to infer various implementation methods for constructing a medialess financial transaction information registration system for requesting a medialess financial transaction request. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to implement an implementation method provided in a DBMS in which the electronic document repository is located in the media-free financial transaction information registration system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method illustrated in FIG. 1, the media-free financial transaction application electronic document corresponding to the media-free financial transaction application is illustrated as being generated on the server side on the media-free financial transaction information registration system. The present invention is not limited thereto, and the media-free financial transaction application electronic document may be generated at a terminal that acquires image content corresponding to the media-free financial transaction application through a predetermined image acquisition device (eg, The electronic document generation function provided on the server side is provided on the terminal side to generate the media-free financial transaction request electronic document), thereby not limiting the present invention.

Hereinafter, the media-free financial transaction application information and image contents corresponding to the media-free financial transaction application prepared by the customer are provided on the media-free financial transaction information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a media financial transaction request electronic document and storing the electronic document in a predetermined electronic document storage and storing the media-free financial transaction application information in a predetermined storage medium 145. For convenience, it is referred to as "information registration server 100".

Referring to FIG. 1 according to an embodiment of the present invention, a media-free financial transaction information registration system for the media-free financial transaction request customer authentication process may be provided at a teller terminal provided in at least one financial institution branch (or branch). And an information registration terminal 180 including the information registration terminal 180. The information registration terminal 180 includes an information registration server provided on the media-free financial transaction information registration system through a predetermined financial network. 100) and a communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for the media-free financial transaction request customer authentication process, and through a window (or window) provided in the financial institution branch branch (branch branch). A document having a form for filling in at least one information item for processing a request for certification of the request for no media financial transaction (for example, through the employee) for the request for authentication of the request for no media financial transaction. In this case, it is preferable that the customer seals the seal of the customer for the legal basis for the media-free financial transaction application.

Subsequently, when the customer submits the completed medium-free financial transaction application to the counter staff, the counter staff scans the media-free financial transaction application through a predetermined image acquisition device to acquire predetermined image contents, and Image contents acquired in response to the media-free financial transaction application through the counter terminal 175, customer information written in the media-free financial transaction application, information on the second financial institution, information on the target medium for authentication, limit amount information, 2 input (or select) medium-free financial transaction application information including at least one authentication means information, and correspondingly, the counter terminal 175 transmits the image content and the medium-free financial transaction application information through the financial network. It is preferable to transmit to the information registration server 100 provided on the medium-free financial transaction information registration system.

Here, the window terminal 175 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 100 connected to the window terminal 175 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 175 and the information registration server 100 is connected to the window terminal 175 and the information. It is preferable to include a current network for connecting the communication channel between the registration server (100).

In the medialess financial transaction information registration system as described above, an image acquisition device for acquiring image contents corresponding to the application for medialess financial transaction written by the customer, a window terminal 175 used by the employee, and the window terminal ( 175) and the financial network connecting the information registration server 100 performs a function of an information registration interface for registering the media-free financial transaction application information for the customer-free financial transaction request customer authentication processing.

The storage medium 145 provided on the media-free financial transaction information registration system according to the present invention includes the customer information and the second financial institution included in the media-free financial transaction application information provided from the information registration terminal 180. The information, the authentication use medium information, the limit amount information, and the second authentication means information are stored in a predetermined storage medium 145.

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by joining as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the media-free financial transaction application, and the member information of the customer (for example, the customer). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the media-free financial transaction information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. (Number) and the like).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the medialess financial transaction information registration system (or associated with the medialess financial transaction information registration system). In this case, the storage medium 145 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby limiting the present invention Not.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or wireless banking provided on (or associated with) the medialess financial transaction information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the medialess financial transaction information registration system according to the present invention is a component of the medialess financial transaction information registration system connected to the information registration terminal 180 through a predetermined financial network. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, when the information registration terminal 180 is a window terminal 175 connected to a predetermined financial network, the information registration server 100 is the window terminal 175 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the information registration server 100 is provided with an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 180 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the information registration terminal 180 is the window terminal 175 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 175, and provides a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 175 It is preferable.

Referring to FIG. 1, when the predetermined information registration terminal 180 connects a predetermined communication channel with the information registration server 100 through the interface unit 105, the information registration server 100 does not exist. Obtain a media content corresponding to the media-free financial transaction application prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 180 for a media financial transaction request customer authentication process, and the media-free financial transaction application Generate (or extract) at least one user interface for inputting (or selecting) media-free financial transaction application information corresponding to the information transmission server 100 to the information registration server 100, and in connection with the interface unit 105. Interface providing unit 110 (or interface providing means) for providing the generated (or extracted) user interface to the information registration terminal 180, and the information registration When the horse 180 inputs (or selects) media-free financial transaction application information corresponding to the media-free financial transaction application through the user interface and transmits the information, the information registration terminal 180 is linked with the interface unit 105. The customer through the information receiving unit 115 (or information receiving means) for receiving the media-free financial transaction application information transmitted from the information and the image acquisition device based on the user interface in the information registration terminal 180 When the image content corresponding to the prepared medialess financial transaction application is obtained and transmitted, the image receiving unit 120 (or the image receiving unit) receives the image contents corresponding to the medialess financial transaction application in association with the interface unit 105. Means).

The interface providing unit 110 connects a predetermined communication channel with the information registration server 100 through the interface registration unit 105, and then the information registration server 100 to the information registration server 100. When requesting a user interface for requesting a user-free financial transaction, the user acquires image content corresponding to the application for media-free financial transaction prepared by the customer through a predetermined image acquisition device provided in the information registration terminal 180. Generating at least one user interface for inputting (or selecting) the medium-free financial transaction application information corresponding to the medium-free financial transaction application and transmitting the information to the information registration server 100 through the financial network; and / Alternatively, the user interface may be extracted from a predetermined database (not shown), and linked with the interface unit 105 to generate the generated (or extracted) user interface. Characterized in that it is provided to the information registration terminal 180 through the financial network.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to the media-free financial transaction application prepared by the customer through a predetermined image acquisition device, and corresponds to the media-free financial transaction application. When a predetermined information registration program having at least one user interface for inputting (or selecting) media-free financial transaction application information and transmitting the same to the information registration server 100 through the financial network is provided, as described above. Acquire image content corresponding to the media-free financial transaction application prepared by the customer through a predetermined image acquisition device, and input (or select) media-free financial transaction application information corresponding to the media-free financial transaction application to register the information. Registering the information by generating (or extracting) a user interface for transmitting to the server 100 Interface providing provided in the end of 180 110 mubang be omitted, and which the present invention is not limited.

Thereafter, the information registration terminal 180 is a medium-free financial transaction including at least one of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information through the user interface. Input (or select) the application information, and transmits the input (or selected) medium-free financial transaction application information to the information registration server 100 through the financial network, the information receiving unit 115 correspondingly The media-free financial transaction application information transmitted from the information registration terminal 180 may be received in association with the interface unit 105.

In addition, the information registration terminal 180 obtains the image content corresponding to the media-free financial transaction application prepared 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 media-free financial transaction application in association with the interface unit 105. do.

According to another exemplary embodiment of the present invention, the information registration terminal 180 acquires image contents corresponding to the application for the medialess financial transaction written by the customer through a predetermined image acquisition device, and transmits the image contents to the information registration terminal 180. In the case of pre-stored in a predetermined storage device provided (or associated), the information registration terminal 180 is a media-free financial transaction written by the customer among at least one or more image contents stored in the storage device through the user interface. An image content corresponding to the application is selected and transmitted to the information registration server 100 through the financial network. In response thereto, the image receiving unit 120 is connected to the interface unit 105 and the media-free financial transaction application. It is desirable to receive image content corresponding to.

According to another embodiment of the present invention, the image registration corresponding to the media-free financial transaction application prepared by the customer through the user interface in the information registration terminal 180 and the media-free financial corresponding to the media-free financial transaction application When the transaction application information is transmitted together, the information receiver 115 may receive the image content corresponding to the medium-free financial transaction application and the medium-free financial transaction application information together with the interface unit 105 ( For example, the image receiving unit 120 is integrated into the information receiving unit 115 and operated), whereby the present invention is not limited thereto.

Referring to FIG. 1, the information registration server 100 receives the media-free financial transaction application information transmitted from the information registration terminal 180 through the information receiver 115, and receives the media-free financial transaction. Characterized in that the application information is provided with a validity verification unit 125 (or validity confirming means) for confirming that the validity for the media-free financial transaction request customer authentication processing.

According to an embodiment of the present invention, the validity verification of the media-free financial transaction application information is at least matched to the media-free financial transaction application information in the ledger D / B on the financial system associated with the media-free financial transaction information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity verification unit 125 is a financial system in which the customer information (customer personal information, member information, etc.) of the information contained in the media-free financial transaction application information associated with the media-free financial transaction information registration system It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity confirmation of the media-free financial transaction application information, financial information that is provided in the financial institution that the second financial institution information of the information contained in the financial transaction application information is linked to the media-free financial transaction information registration system It is desirable to include checking whether the system and the associated service can be provided.

In addition, the verification of the validity of the media-free financial transaction application information, the information contained in the financial transaction application information, the financial information provided in the financial institution associated with the certificate-free media transaction information registration system It is preferable to include whether or not the authentication target medium of the customer on the system.

Referring to FIG. 1, the information registration server 100 receives the image content transmitted from the information registration terminal 180 through the image receiving unit 120, and passes through the validity checking unit 125. When the validity of the media financial transaction application information is authenticated, the electronic document generation unit 130 (or electronic document generation means) for generating a predetermined media-free financial transaction application electronic document including the received image content, and the generation And an electronic document transmission unit 135 (or an electronic document transmission means) for transmitting the electronic medium financial transaction application electronic document to an electronic document repository associated with the medialess financial transaction information registration system.

The electronic document generator 130 generates a medialess financial transaction request electronic document including the image content received from the information registration terminal 180 through the image receiver 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 is the media-free finance as it is the image file including the image content received from the information registration terminal 180 through the image receiving unit 120 It is preferable to process a request for a media-free financial transaction request electronic document for processing a transaction request customer authentication.

Alternatively, the electronic document generation unit 130 may be applied to the media content application information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Recognizing an image file corresponding to the image content including at least one or more of the included customer information, second financial institution information, authentication target medium information, limit amount information, the second authentication means information in a watermarking manner It is desirable to generate a media-free financial transaction request electronic document for processing the request for a media-free financial transaction.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, including the image content received from the information registration terminal 180 through the image receiving unit 120) And 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 desirable to create a media-free financial transaction request electronic document for transaction request customer authentication processing.

Alternatively, the electronic document generation unit 130 may be applied to the media content application information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Generating image content including at least one or more of the included customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information in a watermarking manner, Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) By generating a document file, etc.), it is preferable to generate a media-free financial transaction application electronic document for the media-free financial transaction request customer authentication process.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image contents and the information receiving unit 115 received from the information registration terminal 180 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one received media-free financial transaction application information; Or a web document file including MHT), it is preferable to generate a medialess financial transaction request electronic document for the medialess financial transaction request customer authentication process.

Alternatively, the electronic document generation unit 130 may be applied to the media content application information received through the information receiving unit 115 to the image content received from the information registration terminal 180 through the image receiving unit 120. Generating image content including at least one or more of the included customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information in a watermarking manner, A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including image content and the media-free financial transaction application information. File, or a web document file including an MHT, etc.), thereby requesting a medialess financial transaction request for the clientless transaction. To produce documents is preferred.

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

The electronic document transmission unit 135 transmits and stores the media-free financial transaction application electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the media-free financial transaction information registration system. Characterized in that.

As shown in FIG. 1, the electronic document repository is connected to the information registration server 100 on the medium-free financial transaction information registration system through a predetermined communication means and the electronic document server 150 and the electronic document D /. When provided to the outside, including the B (170), the electronic document transmission unit 135 is the electronic document generation transaction generated by the electronic document generation unit 130, the electronic document through the communication means for the electronic Characterized in that the transmission to the document server 150.

In this case, when the electronic document server 150 and the electronic document D / B 170 are provided outside the medialess financial transaction information registration system, the electronic document server 150 and the electronic document D / B ( 170) should be managed by an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the medialess financial transaction information registration system, the electronic document transmission unit 135 is performed by the electronic document generation unit 130. The generated medium-free financial transaction application electronic document can be stored in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS provided in the medium-free financial transaction information registration system. It is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 135 may use the electronic document related information for generating predetermined electronic document management information in the electronic document server 150 (for example, a medium free corresponding to the image content). Customer information for preparing a financial transaction application, and / or financial institution information for transmitting the media-free financial transaction request electronic document, and / or electronic document file format information, and / or the media-free financial transaction application information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 1, the information registration server 100 performs the medialess financial transaction request customer authentication process through the validity verification unit 125 in the medialess financial transaction application information received through the information receiving unit 115. When the validity is verified, the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information included in the medium-free financial transaction application information whose validity is certified are linked and processed. Characterized in that the information storage unit 140 (or information storage means) for storing in the storage medium 145 of the.

When the validity of the medium-free financial transaction application information is confirmed by the validity confirming unit 125, the information storage unit 140 includes customer information, second financial institution information, included in the medium-free financial transaction application information, It is characterized in that the storage medium 145 is stored in the storage medium 145 by integrating authentication target medium information, limit amount information, and second authentication means information, the storage medium 145 is provided in the information registration server 100 or When provided on the network associated with the information registration server 100, the information storage unit 140 is customer information included in the received media-free financial transaction application information, second financial institution information, authentication target The media information, the limit amount information, and the second authentication means information may be stored in the storage medium 145 by cooperative processing. When the storage medium 145 is provided in a DBMS provided on a financial system, the information may be used.The book 140 stores customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information through an external system on the financial system. It is desirable to provide the information system and store it in the DBMS provided on the financial system.

Referring to FIG. 1, a media-free financial transaction application electronic document is received from the information registration server 100 provided on the media-free financial transaction information registration system and stored in a predetermined electronic document D / B 170. And the electronic document server 150 for managing the electronic document receiving unit 155 (or electronic document receiving unit) for receiving a predetermined medium-free financial transaction request electronic document from the information registration server 100 through a predetermined communication unit. And an information generating unit 160 (or information generating means) for generating predetermined electronic document management information for storing and managing the received medium-free financial transaction application electronic document in the electronic document D / B 170. And an electronic document storage unit 165 (or electronic document storage means) for linking the electronic document management information and the media-free financial transaction application electronic document and storing the electronic document management information in a predetermined electronic document D / B 170. Thing And a gong.

The electronic document receiving unit 155 may receive a medialess financial transaction request electronic document in the form of an image file and / or a document file from the information registration server 100 through the communication means.

According to one embodiment of the present invention, the electronic document receiving unit 155 is a medium-free financial transaction application electronic document received through the communication means that the information registration server 100 received from the information registration terminal 180 It is preferable that the image file including the image content is included as it is.

Alternatively, the media-free financial transaction request electronic document received by the electronic document receiving unit 155 through the communication means may include the media-free medium in the image content received by the information registration server 100 from the information registration terminal 180. Corresponding to image contents including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the financial transaction application information in a watermarking manner. It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the media registration transaction electronic document received by the electronic document receiving unit 155 through the communication means is received by the information registration server 100 from the information registration terminal 180. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the media-free financial transaction request electronic document received by the electronic document receiving unit 155 through the communication means may include the media-free finance on the image content received by the information registration server 100 from the information registration terminal 180. It includes an image content including at least one or more information of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, the second authentication means information included in the transaction application information in a watermarking method. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

According to another embodiment of the present invention, the electronic document receiving unit 155 is a media-free financial transaction application electronic document that is received through the communication means is the information registration server 100 from the information registration terminal 180 At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the received image content and the media-free financial transaction application information. A word processor file, or a web document file including MHT).

Alternatively, the media-free financial transaction request electronic document received by the electronic document receiving unit 155 through the communication means may include the media-free finance on the image content received by the information registration server 100 from the information registration terminal 180. Image content including the at least one or more of the customer information, the second financial institution information, the authentication target media information, the limit amount information, the second authentication means information included in the transaction application information by the watermarking method and the non- 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 media financial transaction application information, or an MHT; Web document files, etc.) to be included.

The information generating unit 160 assigns a predetermined electronic document unique number (or unique information) to be assigned to the media-free financial transaction request electronic document received through the electronic document receiving unit 155, and the electronic document receiving unit 155. Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the medialess financial transaction application electronic document was stored) when the electronic media transaction transaction electronic document was received. It features.

According to the exemplary embodiment of the present invention, the information generating unit 160 refers to the information registration server 100 that transmits the media-free financial transaction request electronic document received through the electronic document receiving unit 155 and the non-existing information. It is preferable to identify the financial institution that has transmitted the media financial transaction application electronic document, and generate the 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 information registration server 100 through the electronic document receiving unit 155, the information generating unit 160 receives the received information. Electronic document related information (e.g., customer information for preparing a medialess financial transaction application corresponding to the image content, and / or financial institution information for transmitting the medialess financial transaction application electronic document, and / or electronic document file format information, And / or the medium-free financial transaction application information).

The electronic document storage unit 165 processes the electronic document management information generated through the information generating unit 160 and the electronic document management application electronic document received through the electronic document receiving unit 155 in a predetermined electronic form. Characterized in the document D / B (170).

According to one embodiment of the invention, the electronic document storage unit 165 is stored in the electronic document D / B 170, the media-free financial transaction application electronic document is the information registration server 100 the information registration terminal It is preferable that the image file including the image content received from the 180 is included as it is.

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 may be received by the information registration server 100 from the information registration terminal 180. The watermarking method includes at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the media-free financial transaction application information in the image content. It is preferable to include an image file corresponding to the image content to include.

According to another exemplary embodiment of the present invention, the information registration server 100 registers the information in a medialess financial transaction application electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165. A document file including image content received from the terminal 180 (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.). , Or a web document file containing the MHT).

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image received by the information registration server 100 from the information registration terminal 180. Include at least one or more information of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the content-free financial transaction application information in a watermarking manner. 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 HWP / DOC, etc.) including an image content, or an MHT. Web document files).

According to another exemplary embodiment of the present invention, the information registration server 100 stores the electronic document storage unit 165 stored in the electronic document D / B 170 in a media-free financial transaction application electronic document. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the registration terminal 180 and the media-free financial transaction application information. And a word processor file including at least one or a web document file including MHT).

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 170 by the electronic document storage unit 165 is an image received by the information registration server 100 from the information registration terminal 180. Include at least one or more information of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the content-free financial transaction application information in a watermarking manner. A word including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the image content and the media-free financial transaction application information. Processor file, 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 170 by linking the electronic document storage unit 165 with the electronic document storage transaction application electronic document is the media-free. It is preferable that a predetermined electronic document unique number (or unique information) assigned to the financial transaction 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 170 by the electronic document storage unit 165 in association with the media-free financial transaction request electronic document is stored in the zero document. The financial institution request electronic document which has transmitted the media financial transaction request electronic document may be further included.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 100, the electronic document storage unit 165 processes the linkage with the media-free financial transaction request electronic document. The electronic document management information stored in the electronic document D / B 170 may include the received electronic document related information (for example, customer information for preparing a medialess financial transaction application form corresponding to the image content, and / or the non-document). Financial institution information for transmitting the media financial transaction request electronic document, and / or electronic document file format information, and / or the medium-free financial transaction application information).

Figure 2 illustrates the configuration of the media-free financial transaction application information stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the request processing of the media-free financial transaction request customer authentication according to an embodiment of the present invention Drawing.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 145 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. As the configuration of information on an implementation method of storing the media-free financial transaction application information including the customer information, the second financial institution information, the authentication use media information, the limit amount information, and the second authentication means information, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to infer various information construction methods for storing the media-free financial transaction application information in the ledger D / B 200. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated 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 an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

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

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

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

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

Referring to FIG. 2, the application information for the medialess financial transaction provided through the medialess financial transaction information registration system illustrated in FIG. 1 may be stored in the form of additional information added to the account ledger. The transaction application information may include at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information.

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by joining as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the media-free financial transaction application, and the member information of the customer (for example, the customer). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the media-free financial transaction information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. (Number) and the like).

According to another embodiment of the present invention, the medium-free financial transaction application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information added to and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limited to the present invention.

Figure 3 is a request for a medium-free financial transaction stored in a database linked to the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the customer-free transaction processing transaction authentication process according to another embodiment of the present invention It is a figure which shows information structure.

In more detail, FIG. 3 shows an information structure of an embodiment in which the storage medium 145 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to apply the media-free financial transaction application information to a predetermined database in the ledger D / B 200. It will be able to infer a variety of information configuration method to be stored in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the media-free financial transaction application information in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the DBMS). It is not easy to change the ledger D / B (200), or the system expansion is not easy due to the nature of the financial system), apply for the media-free financial transaction to a predetermined database instead of the ledger D / B (200) It shows an implementation method of storing the information, the database and the ledger D / B (200) in a coordinated process.

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

Referring to FIG. 3, the database stores and stores the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information included in the media-free financial transaction application information. Characterized in that, the media-free financial transaction application information further comprises a CIF number corresponding to the ledger information in the media-free financial transaction application information to be processed in conjunction with the ledger D / B (200).

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by joining as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the media-free financial transaction application, and the member information of the customer (for example, the customer). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the media-free financial transaction information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. (Number) and the like).

FIG. 4 is a diagram illustrating the configuration of media-free financial transaction application information stored in a DBMS provided in a banking server in a face-to-face manner to process a media-free financial transaction request customer authentication according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 145 shown in FIG. 1 is provided on an Internet banking system, a tele banking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on the medium-free financial transaction application information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server includes customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means included in the media-free financial transaction application information. Characterized in that the information is processed by linking.

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank account, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by signing up as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the media-free financial transaction application, and the member information of the customer (for example, the customer). Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the media-free financial transaction information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. (Number) and the like).

5A and 5B are diagrams illustrating a process of registering media-free financial transaction application information in a face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 5A and 5B are window terminals 175 in which the information registration terminal 180 on the medialess financial transaction information registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch). When the registration server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer performs a medialess financial transaction request customer authentication process. When a user prepares and submits a media-free financial transaction application including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information, the predetermined counter terminal 175 Obtain a predetermined image content corresponding to the media-free financial transaction application through a predetermined image acquisition device, and the media-free financial transaction information registration system through a predetermined information registration interface. And providing the media-free financial transaction application information corresponding to the media-free financial transaction application and the image content obtained from the media-free financial transaction application, generate a predetermined media-free financial transaction application electronic document including the image content. And store it in a predetermined electronic document repository, and link and process the customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the media-free financial transaction application information. The method for storing the information in the storage medium 145 of the storage medium 145, and specifically, acquires the predetermined image content corresponding to the media-free financial transaction application through the predetermined image acquisition device in the window terminal 175 and registers the information. After transmitting to the server 100, input the medium-free financial transaction application information corresponding to the medium-free financial transaction application ( Or an exemplary embodiment) to transmit the information registration server 100 to the information registration server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b and apply the media-free financial transaction application information from the terminal 175 to the information registration server 100. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, in the implementation method shown in FIGS. 5A and 5B, the window terminal 175 acquires predetermined image contents corresponding to the media-free financial transaction application through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) media-free financial transaction application information corresponding to a media financial transaction application is illustrated and described as being provided from the information registration server 100, predetermined information registration is performed in the window terminal 175. When the program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIGS. 5A and 5B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information transmitted from the counter terminal 175 to the information registration server 100 are referred to as "medialess financial transaction application information." "

Referring to FIGS. 5A and 5B, at least one predetermined customer includes at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information for a medialess financial transaction request customer authentication process. After completing and submitting the application for medialess financial transaction including the above, the window terminal 175 shown in FIG. 1 is connected to the server through a predetermined financial network to connect a predetermined communication channel. When requesting a user interface for a request for a user-free financial transaction request processing corresponding to a transaction application (500), the server responds to the media-free financial transaction application prepared by the customer through a predetermined image acquisition device in the terminal. Generate (or extract) a user interface for acquiring and transmitting corresponding predetermined image content to the server (505); And wherein the transmitting the generated user interface (or extract) to the terminal to output through 510.

Thereafter, the terminal acquires image content corresponding to the media-free financial transaction application through a predetermined image obtaining apparatus based on the user interface (515).

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

Thereafter, the server may include at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information corresponding to the media-free financial transaction application matching the image content. Generate (or extract) a user interface for inputting (or selecting) media financial transaction application information to the server (530), and transmit the generated (or extracted) user interface to the terminal through the financial network. And output (535).

Thereafter, the terminal inputs the medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the user interface ( Or select 540.

If the user interface inputs (or selects) the media-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information. In operation 545, the terminal transmits the input (or selection) of the medium-free financial transaction application information to the server through the financial network (550).

Thereafter, the server receives the medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the financial network. The reading is checked for validity of the medium-free financial transaction application information (555).

According to the implementation method of the present invention, the validity verification of the media-free financial transaction application information and the media-free financial transaction application information to the ledger D / B (200) on the financial system associated with the media-free financial transaction information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity verification unit 125 is a financial system in which the customer information (customer personal information, member information, etc.) of the information contained in the media-free financial transaction application information associated with the media-free financial transaction information registration system It is preferably made to include matching with the customer ledger stored in the ledger D / B (200).

In addition, the validity confirmation of the media-free financial transaction application information, financial information that is provided in the financial institution that the second financial institution information of the information contained in the financial transaction application information is linked to the media-free financial transaction information registration system It is desirable to include checking whether the system and the associated service can be provided.

In addition, the verification of the validity of the media-free financial transaction application information, the information contained in the financial transaction application information, the financial information provided in the financial institution associated with the certificate-free media transaction information registration system It is preferable to include whether or not the authentication target medium of the customer on the system.

If the validity of the media-free financial transaction application information is not authenticated (560), the server generates predetermined information registration error information and transmits the information to the terminal (565), corresponding to the media-free financial transaction application information. Do not perform the information registration procedure.

On the other hand, if the validity of the media-free financial transaction application information is authenticated (560), the server generates a predetermined media-free financial transaction application electronic document including the image content (570).

According to an exemplary embodiment of the present invention, the server performs the media-free financial transaction request customer authentication process as it is, the image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is desirable to process electronic documents for media-free financial transactions.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 The media-free financial transaction request customer for an image file corresponding to an image content including at least one of financial institution information, authentication target media information, limit amount information, and second authentication means information in a watermarking manner. It is desirable to generate a media-free financial transaction request electronic document for authentication processing.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. 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 desirable to create electronic documents for media-free financial transactions.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 generating an image content including at least one or more information of financial institution information, authentication target medium information, limit amount information, and second authentication means information by a watermarking method, and including the generated image content. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a media-free financial transaction application electronic document for the media-free financial transaction request customer authentication processing.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 180 through the image receiving unit 120 and the medium-free financial transaction received through the information receiving unit 115 A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc.), it is preferable to generate a media-free financial transaction application electronic document for the media-free financial transaction request customer authentication process.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 generating image content including at least one of financial institution information, authentication target medium information, limit amount information, and second authentication means information in a watermarking manner, and generating the generated image content and the medium A predetermined document file including financial transaction 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 an MHT) Generating a document-free electronic transaction document for the client-free financial transaction request customer authentication process by generating a web document file). It is preferable.

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

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

As shown in FIG. 1, the electronic document storage unit stores a predetermined electronic document server 150 and an electronic document D / B 170 linked with a server on the medium-free financial transaction information registration system through predetermined communication means. In addition, when provided to the outside, the server transmits the generated medium-free financial transaction application electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) It is preferable.

Alternatively, when the electronic document repository is provided on a DBMS provided in the medialess financial transaction information registration system, the server includes the generated median financial transaction application electronic document in the medialess financial transaction information registration system. It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the media-free financial transaction request electronic document in the electronic document repository may be performed by linking the generated media-free financial transaction request electronic document with predetermined electronic document management information. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the media-free financial transaction application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the media-free financial transaction request electronic document.

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

If the electronic media storage application electronic document is stored in the electronic document repository (580), the server includes the customer information, the second financial institution information, authentication target media information, included in the medialess financial transaction application information, The limit amount information and the second authentication means information are interlinked and stored in a predetermined storage medium 145 (585), and predetermined information registration history information (e.g., the electronic medium storage application electronic document is stored at The stored details and / or the details of storing the media-free financial transaction application information in the storage medium 145 are generated (or extracted) and transmitted to the terminal (590).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the media-free financial transaction information registration system (or associated with the media-free financial transaction information registration system). Preferably, the storage medium 145 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or wireless banking provided on (or associated with) the medialess financial transaction information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

6A and 6B illustrate a process of registering media-free financial transaction application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 6A and 6B are window terminals 175 in which the information registration terminal 180 on the medialess financial transaction information registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch). When the registration server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer performs a medialess financial transaction request customer authentication process. When a user prepares and submits a media-free financial transaction application including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information, the predetermined counter terminal 175 Obtain a predetermined image content corresponding to the media-free financial transaction application through a predetermined image acquisition device, and the media-free financial transaction information registration system through a predetermined information registration interface. When the media-free financial transaction application information corresponding to the media-free financial transaction application and the image content obtained from the media-free financial transaction application are provided, a predetermined media-free financial transaction application electronic document including the image content is generated. And store it in a predetermined electronic document repository, and link and process the customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the media-free financial transaction application information. A method for storing information in a storage medium 145 of the storage medium 145. Specifically, the counter terminal 175 inputs (or selects) the media-free financial transaction application information corresponding to the media-free financial transaction application, and registers the information registration server. After transmitting to the 100, a predetermined image controller corresponding to the media-free financial transaction application through a predetermined image acquisition device To obtain the recreational illustrates the exemplary method for transmitting to the information registering server 100.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 6a and 6b and apply the media-free financial transaction application information from the terminal 175 to the information registration server 100. It will be able to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in Figures 6a and 6b.

For example, in the method shown in FIGS. 6A and 6B, the window terminal 175 acquires predetermined image contents corresponding to the media-free financial transaction application through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) media-free financial transaction application information corresponding to a media financial transaction application is illustrated and described as being provided from the information registration server 100, predetermined information registration is performed in the window terminal 175. When the program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal 175 shown in Figure 1 is referred to as "terminal" for convenience, and the information registration server 100 shown in Figure 1 is referred to as "server" for convenience, The customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information transmitted from the counter terminal 175 to the information registration server 100 are referred to as "medialess financial transaction application information." "

6A and 6B, at least one predetermined customer includes at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information for a media-free financial transaction request customer authentication process. When a media-free financial transaction application including the above is created and submitted, the window terminal 175 shown in FIG. 1 is connected to the server through a predetermined financial network to connect a predetermined communication channel. When requesting a user interface for a medialess financial transaction request customer authentication process corresponding to the financial transaction application (600), the server corresponding to the customer information corresponding to the medial financial transaction application prepared by the customer, the second financial institution Input (or select) medium-free financial transaction application information including at least one of information, authentication target media information, limit amount information, and second authentication means information. W generates (or extracts) a user interface for transmitting to the server 605, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (610).

Thereafter, the terminal inputs the medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the user interface ( Or select 615).

If the user-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, the second authentication means information is input (or selected) through the user interface. In operation 625, the terminal transmits the input (or selection) of the medium-free financial transaction application information to the server through the financial network.

Thereafter, the server receives the medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the financial network. The read and confirm the validity of the media-free financial transaction application information (630).

According to the implementation method of the present invention, the validity verification of the media-free financial transaction application information and the media-free financial transaction application information to the ledger D / B (200) on the financial system associated with the media-free financial transaction information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity verification unit 125 is a financial system in which the customer information (customer personal information, member information, etc.) of the information contained in the media-free financial transaction application information associated with the media-free financial transaction information registration system It is preferably made to include matching with the customer ledger stored in the ledger D / B (200).

In addition, the validity confirmation of the media-free financial transaction application information, financial information that is provided in the financial institution that the second financial institution information of the information contained in the financial transaction application information is linked to the media-free financial transaction information registration system It is desirable to include checking whether the system and the associated service can be provided.

In addition, the verification of the validity of the media-free financial transaction application information, the information contained in the financial transaction application information, the financial information provided in the financial institution associated with the certificate-free media transaction information registration system It is preferable to include whether or not the authentication target medium of the customer on the system.

If the validity of the media-free financial transaction application information is not authenticated (635), the server generates predetermined information registration error information and transmits the information to the terminal (640), corresponding to the media-free financial transaction application information. Do not perform the information registration procedure.

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

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

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

The server that receives the media-free financial transaction application information and the image content from the terminal generates a predetermined media-free financial transaction application electronic document including the image content (670).

According to an exemplary embodiment of the present invention, the server performs the media-free financial transaction request customer authentication process as it is, the image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is desirable to process electronic documents for media-free financial transactions.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 The media-free financial transaction request customer for an image file corresponding to an image content including at least one of financial institution information, authentication target media information, limit amount information, and second authentication means information in a watermarking manner. It is desirable to generate a media-free financial transaction request electronic document for authentication processing.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. 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 desirable to create electronic documents for media-free financial transactions.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 generating an image content including at least one or more information of financial institution information, authentication target medium information, limit amount information, and second authentication means information by a watermarking method, and including the generated image content. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a media-free financial transaction application electronic document for the media-free financial transaction request customer authentication processing.

According to another embodiment of the present invention, the server is the image content received from the information registration terminal 180 through the image receiving unit 120 and the medium-free financial transaction received through the information receiving unit 115 A predetermined document file including application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including an MHT. By generating a document file, etc.), it is preferable to generate a media-free financial transaction application electronic document for the media-free financial transaction request customer authentication process.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 generating image content including at least one of financial institution information, authentication target medium information, limit amount information, and second authentication means information in a watermarking manner, and generating the generated image content and the medium A predetermined document file including financial transaction 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 an MHT) Generating a document-free electronic transaction document for the client-free financial transaction request customer authentication process by generating a web document file). It is preferable.

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

Thereafter, the server stores the generated mediumless financial transaction application electronic document in a predetermined electronic document storage 667.

As shown in FIG. 1, the electronic document storage unit stores a predetermined electronic document server 150 and an electronic document D / B 170 linked with a server on the medium-free financial transaction information registration system through predetermined communication means. In addition, when provided to the outside, the server transmits the generated medium-free financial transaction application electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) It is preferable.

Alternatively, when the electronic document repository is provided on a DBMS provided in the medialess financial transaction information registration system, the server includes the generated median financial transaction application electronic document in the medialess financial transaction information registration system. It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the media-free financial transaction request electronic document in the electronic document repository may be performed by linking the generated media-free financial transaction request electronic document with predetermined electronic document management information. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the medium-free financial transaction application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the media-free financial transaction request electronic document.

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

If the electronic financial document application electronic document is stored in the electronic document repository (680), the server information, the customer information, the second financial institution information, the medium for authentication use included in the media-free financial transaction application information And the limit amount information and the second authentication means information are linked and stored in a predetermined storage medium 145 (685), and predetermined information registration history information (e.g., the media-free financial transaction application electronic document in the electronic document repository). And (or extract) the details of storing the medium-free financial transaction application information in the storage medium 145 and transmits the generated details to the terminal (690).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the medialess financial transaction information registration system (or associated with the medialess financial transaction information registration system). Preferably, the storage medium 145 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or wireless banking provided on (or associated with) the medialess financial transaction information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

7A and 7B are diagrams illustrating a process of registering media-free financial transaction application information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals 175 in which an information registration terminal 180 on the mediumless financial transaction information registration system shown in FIG. 1 is provided at a branch of a financial institution (or a branch). When the registration server 100 has a ledger server (not shown) function on the financial system associated with the teller terminal 175 through a predetermined financial network, a predetermined customer performs a medialess financial transaction request customer authentication process. When a user prepares and submits a media-free financial transaction application including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information, the predetermined counter terminal 175 Obtain a predetermined image content corresponding to the media-free financial transaction application through a predetermined image acquisition device, and the media-free financial transaction information registration system through a predetermined information registration interface. And providing the media-free financial transaction application information corresponding to the media-free financial transaction application and the image content obtained from the media-free financial transaction application, generate a predetermined media-free financial transaction application electronic document including the image content. And store it in a predetermined electronic document repository, and link and process the customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the media-free financial transaction application information. A method of storing the same in the storage medium 145 of the storage medium 145. Specifically, the window terminal 175 acquires predetermined image content corresponding to the media-free financial transaction application through a predetermined image obtaining device, and Input (or select) the media-free financial transaction application information corresponding to the media-free financial transaction application and register the information registration server (1). 00 shows an implementation method of transmitting.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b and apply the media-free financial transaction application information from the terminal 175 to the information registration server 100. It will be able to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 7a and 7b.

For example, in the embodiment shown in FIGS. 7A and 7B, the window terminal 175 acquires predetermined image contents corresponding to the media-free financial transaction application through a predetermined image acquisition device, and / or Although a user interface for inputting (or selecting) media-free financial transaction application information corresponding to a media financial transaction application is illustrated and described as being provided from the information registration server 100, predetermined information registration is performed in the window terminal 175. When the program is provided, the user interface may not be provided from the information registration server 100, and the present invention is not limited thereto.

Hereinafter, the window terminal 175 shown in FIG. 1 in FIG. 7A and FIG. 7B will be referred to as "terminal" for convenience, and the information registration server 100 shown in FIG. 1 will be referred to as "server" for convenience. The customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information transmitted from the counter terminal 175 to the information registration server 100 are referred to as "medialess financial transaction application information." "

Referring to FIGS. 7A and 7B, at least one predetermined customer includes at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information for a media-free financial transaction request customer authentication process. After completing and submitting the application for medialess financial transaction including the above, the window terminal 175 shown in FIG. 1 is connected to the server through a predetermined financial network to connect a predetermined communication channel. If the request for the user interface for the request processing of the medium-free financial transaction corresponding to the transaction application (700), the server corresponding to the request for the medium-free financial transaction corresponding to the medium-free financial transaction application prepared by the customer in the terminal Input (or select) information and capture predetermined image content corresponding to the media-free financial transaction application through a predetermined image acquisition device; Generating a user interface for transmitting to the server (or the extract) and 705, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 710. The

Thereafter, the terminal inputs the medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the user interface ( Or select 715).

If the user-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, the second authentication means information is input (or selected) through the user interface. In operation 720, the terminal acquires image content corresponding to the media-free financial transaction application through a predetermined image acquisition apparatus based on the user interface.

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

Thereafter, the server receives the medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the financial network. The reading confirms the validity of the media-free financial transaction application information (740).

According to the implementation method of the present invention, the validity verification of the media-free financial transaction application information and the media-free financial transaction application information to the ledger D / B (200) on the financial system associated with the media-free financial transaction information registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity verification unit 125 is a financial system in which the customer information (customer personal information, member information, etc.) of the information contained in the media-free financial transaction application information associated with the media-free financial transaction information registration system It is preferably made to include matching with the customer ledger stored in the ledger D / B (200).

In addition, the validity confirmation of the media-free financial transaction application information, financial information that is provided in the financial institution that the second financial institution information of the information contained in the financial transaction application information is linked to the media-free financial transaction information registration system It is desirable to include checking whether the system and the associated service can be provided.

In addition, the verification of the validity of the media-free financial transaction application information, the information contained in the financial transaction application information, the financial information provided in the financial institution associated with the certificate-free media transaction information registration system It is preferable to include whether or not the authentication target medium of the customer on the system.

If the validity of the medium-free financial transaction application information is not authenticated (745), the server generates predetermined information registration error information and transmits it to the terminal (750), and responds to the medium-free financial transaction application information. Do not perform the information registration procedure.

On the other hand, if the validity of the media-free financial transaction application information is authenticated (745), the server generates a predetermined media-free financial transaction application electronic document including the image content (755).

According to an exemplary embodiment of the present invention, the server performs the media-free financial transaction request customer authentication process as it is, the image file including the image content received from the information registration terminal 180 through the image receiving unit 120. It is desirable to process electronic documents for media-free financial transactions.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 The media-free financial transaction request customer for an image file corresponding to an image content including at least one of financial institution information, authentication target media information, limit amount information, and second authentication means information in a watermarking manner. It is desirable to generate a media-free financial transaction request electronic document for authentication processing.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 180 through the image receiving unit 120. 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 desirable to create electronic documents for media-free financial transactions.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 generating an image content including at least one or more information of financial institution information, authentication target medium information, limit amount information, and second authentication means information by a watermarking method, and including the generated image content. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a media-free financial transaction application electronic document for the media-free financial transaction request customer authentication processing.

According to another exemplary embodiment of the present invention, the server receives the image content received from the information registration terminal 180 through the image receiving unit 120 and the medium-free finance received through the information receiving unit 115. A predetermined document file including transaction 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 of HWP / DOC, or the like) By generating a web document file, etc.), it is preferable to generate a media-free financial transaction request electronic document for the media-free financial transaction request customer authentication process.

Alternatively, the server may include customer information included in the media-free financial transaction application information received through the information receiver 115 in the image content received from the information registration terminal 180 through the image receiver 120. 2 generating image content including at least one of financial institution information, authentication target medium information, limit amount information, and second authentication means information in a watermarking manner, and generating the generated image content and the medium A predetermined document file including financial transaction 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 an MHT) Generating a document-free electronic transaction document for the client-free financial transaction request customer authentication process by generating a web document file). It is preferable.

Those skilled in the art to which the present invention pertains can include the technical features of the server generating a media-free financial transaction application electronic document in an image file format and / or a predetermined document file format, and the media-free financial transaction. The technical features of the file format of the image file and / or the document file corresponding to the application electronic document will be familiar, so a detailed description thereof will be omitted for convenience.

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

As shown in FIG. 1, the electronic document storage unit stores a predetermined electronic document server 150 and an electronic document D / B 170 linked with a server on the medium-free financial transaction information registration system through predetermined communication means. In addition, when provided to the outside, the server transmits the generated medium-free financial transaction application electronic document to the electronic document server 150 through the communication means to store in the electronic document D / B (170) It is preferable.

Alternatively, when the electronic document repository is provided on a DBMS provided in the medialess financial transaction information registration system, the server includes the generated median financial transaction application electronic document in the medialess financial transaction information registration system. It is possible to store in the electronic document D / B 170 corresponding to the electronic document storage on the DBMS, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the media-free financial transaction request electronic document in the electronic document repository may be performed by linking the generated media-free financial transaction request electronic document with predetermined electronic document management information. It is preferably made to include storing in the electronic document D / B (170) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the medium-free financial transaction application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the media-free financial transaction request electronic document.

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

If the electronic media storage transaction electronic document is stored in the electronic document repository (765), the server includes the customer information, the second financial institution information, authentication target media information, included in the medialess financial transaction application information, The limit amount information and the second authentication means information are processed in association with each other and stored in a predetermined storage medium 145 (770). The stored details and / or the details of storing the media-free financial transaction application information in the storage medium 145 are generated (or extracted) and transmitted to the terminal (775).

According to an embodiment of the present invention, the storage medium 145 is provided in a DBMS on a financial system provided on the medialess financial transaction information registration system (or associated with the medialess financial transaction information registration system). Preferably, the storage medium 145 may be a ledger D / B (200) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (200), Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 145 is an Internet banking system, and / or a telebanking system, and / or wireless banking provided on (or associated with) the medialess financial transaction information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a non-face-to-face financial transaction information registration system for a non-media financial transaction request customer authentication process according to another embodiment of the present invention.

In more detail, Figure 8 shows a predetermined customer using a predetermined information registration interface to the media-free financial transaction information registration system for the customer-free financial transaction request customer authentication processing, the customer information, the second financial institution information, the authentication target medium When the medium-free financial transaction application information including at least one information, limit amount information, and second authentication means information is provided, the predetermined medium including the provided medium-free financial transaction application information is provided by the medium-free financial transaction information registration system. Generate a media financial transaction application electronic document and store it in a predetermined electronic document storage, and include the customer information, the second financial institution information, the authentication target media information, the limit amount information, and the second included in the media-free financial transaction application information. As a system configuration for cooperatively processing the authentication means information stored in a predetermined storage medium 840, specifically An electronic document repository is provided on an external system connected to the media-free financial transaction information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 8 to infer various implementation methods for constructing a medialess financial transaction information registration system for requesting a medialess financial transaction request. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 8 to implement an implementation method provided in a DBMS in which the electronic document repository is located in the media-free financial transaction information registration system. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the media-free financial transaction application electronic document is described as being generated on the server side on the media-free financial transaction information registration system, but the present invention is limited thereto. Never, the media-free financial transaction request electronic document may be generated on the terminal side that inputs (or selects) the media-free financial transaction application information (for example, the electronic document generation function provided on the server side is the terminal). Provided at the side to generate the media-free financial transaction application electronic document), whereby the present invention is not limited.

Hereinafter, by receiving the media-free financial transaction application information from the customer through a predetermined information registration interface on the media-free financial transaction information registration system shown in FIG. 8, a predetermined media-free financial transaction application electronic document is generated. A component corresponding to at least one or more means and / or functional configurations for storing in the electronic document repository and storing the media-free financial transaction application information in a predetermined storage medium 840 is conveniently referred to as "information registration server 800". It is called.

Referring to FIG. 8 in accordance with an embodiment of the present invention, the media-free financial transaction information registration system for the media-free financial transaction request customer authentication process includes at least one wired terminal and / or wireless terminal used by a customer. And an information registration terminal 870 including at least one client terminal or the like, wherein the information registration terminal 870 is provided on the medium-free financial transaction information registration system through a predetermined network means. The communication channel is connected to the information registration server 800.

According to an embodiment of the present invention, the customer accesses the information registration server 800 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Inputting (or selecting) the medialess financial transaction request information for the medialess financial transaction request customer authentication process through the at least one user interface provided by the information registration server 800, the predetermined network means in the client terminal It is preferable to transmit to the information registration server 800 provided on the medium-free financial transaction information registration system through.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is 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 Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

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

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

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

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

In the above medium-free financial transaction information registration system, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one connecting the client terminal and the information registration server 800. The wired communication network and / or the wireless communication network perform a function of an information registration interface for the customer to register the application for the medialess financial transaction application for the medialess financial transaction request customer authentication process.

According to another exemplary embodiment of the present invention, the information registration terminal 870 is an automatic teller machine (ATM), 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 medium-free financial transaction information registration system as described above, when the information registration terminal 870 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) are provided. The financial network connecting the information registration server 800 performs a function of an information registration interface for registering the media-free financial transaction application information for the customer to process the media-free financial transaction request customer authentication, and / or the When the information registration terminal 870 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 800. Performs a function of an information registration interface for the customer to register the media-free financial transaction application information for the media-free financial transaction request customer authentication processing, and / or If the registration terminal 870 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (Not shown) and the network connecting the information registration server 800 performs a function of an information registration interface for the customer to register the media-free financial transaction application information for the media-free financial transaction request customer authentication processing. .

The storage medium 840 provided on the media-free financial transaction information registration system according to the present invention includes the customer information and the second financial institution included in the media-free financial transaction application information provided from the information registration terminal 870. The information, the authentication use medium information, the limit amount information, and the second authentication means information may be cooperatively stored and stored in a predetermined storage medium 840.

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by joining as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

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

According to an embodiment of the present invention, the storage medium 840 is provided in a DBMS on a financial system provided on the medialess financial transaction information registration system (or associated with the medialess financial transaction information registration system). Preferably, the storage medium 840 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention It is not limited.

According to another method of the present invention, the storage medium 840 is provided on (or associated with) the medialess financial transaction information registration system, and / or a telebanking system, and / or wireless banking. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

The information registration server 800 provided on the medialess financial transaction information registration system according to the present invention is a component of the medialess financial transaction information registration system connected to the information registration terminal 870 through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, when the information registration terminal 870 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 information registration server 800 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 shall be defined.

According to another embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 800 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 information registration terminal 870 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 800 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 of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 800 is 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.

According to an embodiment of the present invention, the information registration server 800 has an interface unit 805 (or interface means) for connecting and managing a predetermined communication channel with the information registration terminal 870 via the network means. Characterized in that made.

According to an exemplary embodiment of the present invention, when the information registration terminal 870 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 805 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 the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

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

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a financial automatic device connected to a predetermined financial network, the interface unit 805 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with 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 information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 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 805 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

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

According to another embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 805 is connected to the wired telephone network and / or 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 805 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 805 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. 8, when the predetermined information registration terminal 870 connects a predetermined communication channel with the information registration server 800 through the interface unit 805, the information registration server 800 does not exist. At least one user interface for inputting (or selecting) predetermined media-free financial transaction application information from the information registration terminal 870 and transmitting the media financial transaction request customer authentication process to the information registration server 800 is generated. An interface providing unit 810 (or interface providing means) for providing (or extracting) and providing the generated (or extracted) user interface to the information registration terminal 870 in association with the interface unit 805; When the information registration terminal 870 inputs (or selects) the media-free financial transaction application information through the user interface and transmits the information, the information is linked with the interface unit 805. And an information receiving unit 815 (or information receiving means) for receiving the medium-free financial transaction application information transmitted from the registration terminal 870.

The interface providing unit 810 connects a predetermined communication channel with the information registration server 800 through the interface registration unit 805, and then the information registration server 800 to the information registration server 800. When requesting a user interface for a media-free financial transaction request customer authentication process, the information registration terminal 870 inputs (or selects) predetermined media-free financial transaction application information through the network means to register the information registration server 800. Generate at least one user interface to transmit to the network means, and / or extract from a predetermined database (not shown), and link the generated means (or extracted) with the interface unit 805 to the network means. It is characterized in that provided through the information registration terminal 870.

According to an embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may include a browser program provided in the client terminal and And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a financial automation device connected to a predetermined financial network, the interface providing unit 810 is a financial transaction related program provided in the financial automation 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 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 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 805.

According to another exemplary embodiment of the present invention, when the information registration terminal 870 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 810 is the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 805 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 870 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 810 is 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 an interactive digital TV) through the interface unit 805. .

According to another embodiment of the present invention, at least one or more inputting (or selecting) predetermined media-free financial transaction application information to the information registration terminal 870 and transmitting the information to the information registration server 800 through the network means. When a predetermined information registration program having a user interface is provided, a user interface for inputting (or selecting) predetermined media-free financial transaction application information as described above and transmitting it to the information registration server 800 is generated (or The interface providing unit 810 which is extracted) and provided to the information registration terminal 870 may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 870 is a medium-free financial transaction including at least one of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, the second authentication means information through the user interface. Input (or select) the application information, and transmits the input (or selected) medium-free financial transaction application information to the information registration server 800 through the network means, the information receiving unit 815 correspondingly The media-free financial transaction application information transmitted from the information registration terminal 870 may be received in association with the interface unit 805.

According to an embodiment of the present invention, the information registration terminal 870 is a medium-free finance that includes at least one of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, the second authentication means information The transaction registration information is generated by the information registration server 800 through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for confirming the validity of the media-free financial transaction application information. At least one or more OTP code and the like is preferably transmitted to the information registration server 800 through the network means.

According to an embodiment of the present invention, the information registration terminal 870 is a medium-free finance that includes at least one of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, the second authentication means information Encrypt the transaction request information into at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) , And / or attach a predetermined electronic signature to the medium-free financial transaction application information and transmit it to the information registration server 800 through the network means. For this purpose, the information registration terminal 870 is encrypted. A predetermined public certificate having at least one encryption key corresponding to the scheme, and / or including at least one encryption key. To be non-or, and / or the certificate is provided with the predetermined IC chip, if that is provided on (or IC card), the card to verify the certificate provided in the IC chip (or IC card) reader is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the medium-free financial transaction application information, and technology for attaching a predetermined electronic signature to the medium-free financial transaction application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Referring to FIG. 8, the information registration server 800 receives the media-free financial transaction application information transmitted from the information registration terminal 870 through the information receiver 815, and receives the media-free financial transaction. Characterized in that the application information is provided with a validity confirming unit 820 (or validity confirming means) for confirming that the validity for the media-free financial transaction request customer authentication processing.

According to an embodiment of the present invention, the medium-free financial transaction application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and And / or a key exchange-based encryption scheme, etc., the validity checker 820 includes at least one decryption scheme (eg, symmetric key-based decryption) corresponding to the encryption scheme. Method, and / or public key based decryption method, and / or electronic envelope based decryption method, and / or key exchange based decryption method, etc., to authenticate validity of the received medium-free financial transaction application information. desirable.

Alternatively, when a predetermined electronic signature is attached to the media-free financial transaction application information, the validity verification unit 820 checks the electronic signature attached to the media-free financial transaction application information, thereby receiving the received media-free financial transaction. It is desirable to verify the validity of the application information.

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption methods for decrypting the encrypted medium-free financial transaction application information and the electronic signature attached to the medium-free financial transaction 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, if the media-free financial transaction application information received through the information receiving unit 815 further includes a predetermined password for confirming the validity of the media-free financial transaction application information, the validity is determined. The verification unit 820 compares and authenticates the password included in the medialess financial transaction application information and the password provided corresponding to the customer on the DBMS, thereby validating the validity of the received medialess financial transaction application information. It is desirable to authenticate.

Alternatively, when the medium-free financial transaction application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the medium-free financial transaction application information, the validity confirmation unit ( 820 compares and authenticates the security card information included in the medialess financial transaction application information with the security card information provided corresponding to the customer on the DBMS, thereby validating the received medialess financial transaction application information. It is desirable to authenticate.

Alternatively, when the media-free financial transaction application information received through the information receiver 815 further includes a predetermined OTP code for confirming the validity of the media-free financial transaction application information, the validity verification unit 820 ) Compares and authenticates the received OTP code included in the media-free financial transaction application information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby receiving the received media-free. It is desirable to verify the validity of the financial transaction application information.

According to an embodiment of the present invention, the validity verification of the media-free financial transaction application information is at least matched to the media-free financial transaction application information in the ledger D / B on the financial system associated with the media-free financial transaction information registration system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity checker 820 is a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the media-free financial transaction application information is linked to the media-free financial transaction information registration system. It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity confirmation of the media-free financial transaction application information, financial information that is provided in the financial institution that the second financial institution information of the information contained in the financial transaction application information is linked to the media-free financial transaction information registration system It is desirable to include checking whether the system and the associated service can be provided.

In addition, the verification of the validity of the media-free financial transaction application information, the information contained in the financial transaction application information, the financial information provided in the financial institution associated with the certificate-free media transaction information registration system It is preferable to include whether or not the authentication target medium of the customer on the system.

Referring to FIG. 8, when the validity of the medium-free financial transaction application information is authenticated through the validity verification unit 820, the information registration server 800 includes a predetermined information including the received medium-free financial transaction application information. An electronic document generation unit 825 (or electronic document generating means) for generating a media-free financial transaction application electronic document, and the generated media-free financial transaction application electronic document associated with the media-free financial transaction information registration system. An electronic document transmission unit 830 (or electronic document transmission means) for transmitting to the document storage is characterized in that it is made.

The electronic document generation unit 825 generates a media-free financial transaction application electronic document including the media-free financial transaction application information received from the information registration terminal 870 through the information receiving unit 815. do.

According to an exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, second financial institution information, and authentication target medium included in the medialess financial transaction application information received through the information receiver 815. Generating document content including at least one of information, limit amount information, and second authentication means information, and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the document content. , Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT, etc.) as a medium-free financial transaction request electronic document for processing the request for a medium-free financial transaction. desirable.

Alternatively, the electronic document generation unit 825 may include customer information, second financial institution information, authentication target medium information, limit amount information, and information included in the media-free financial transaction application information received through the information receiving unit 815. 2 generate document content including at least one authentication means information, wherein the document content includes customer information included in the medium-free financial transaction application information, second financial institution information, authentication target medium information, limit amount information, 2 A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document content including the watermarking after including at least one or more pieces of information of the authentication means by watermarking. ) A file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process financial transactions apply to non-media electronic documents for processing.

Alternatively, the electronic document generation unit 825 may include customer information, second financial institution information, authentication target medium information, limit amount information, and information included in the media-free financial transaction application information received through the information receiving unit 815. 2 generating document content including at least one authentication means information, and generating an image file including image content (eg, image content generated by capturing the document content on a memory). It is preferable to process the request for a media-free financial transaction as an electronic document for requesting a media-free financial transaction.

Alternatively, the electronic document generation unit 825 may include customer information, second financial institution information, authentication target medium information, limit amount information, and information included in the media-free financial transaction application information received through the information receiving unit 815. 2 Generate the document content including at least one authentication means information, and apply for the media-free financial transaction to the image content (e.g., image content generated by capturing the document content on a memory). After the watermarking method includes at least one or more of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information included in the information by the watermarking method, the watermarking is included. Processing an image file including image contents into a media-free financial transaction request electronic document for processing the media-free financial transaction request customer. This is preferred.

According to another exemplary embodiment of the present invention, the electronic document generator 825 may include customer information, second financial institution information, and authentication target object included in the medialess financial transaction application information received through the information receiver 815. Image content that includes at least one of media information, limit amount information, and second authentication means information, and image content that captures the document content (eg, image content generated by capturing the document content on a memory). A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.), or a web document including an MHT. File, etc.), it is preferable to process the media-free financial transaction request electronic document for the media-free financial transaction request customer authentication process.

Alternatively, the electronic document generation unit 825 may include customer information, second financial institution information, authentication target medium information, limit amount information, and information included in the media-free financial transaction application information received through the information receiving unit 815. 2 Generate the document content including at least one authentication means information, and apply for the media-free financial transaction to the image content (e.g., image content generated by capturing the document content on a memory). Generating image content including at least one or more of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the information by a watermarking method; A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing image content including watermarking, or By generating a word processor file containing at least one or more HWP / DOC, etc., or a web document file including the MHT, etc.) to process as a media-free financial transaction request electronic document for the customer-free financial transaction request customer authentication processing It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 uses customer information, second financial institution information, and authentication included in the medialess financial transaction application information received through the information receiving unit 815. Image content that includes at least one of target media information, limit amount information, and second authentication means information, and image content (eg, an image 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 Electronic Data Interchange (EDI) file, or a HWP / DOC) including the contents and the media-free financial transaction application information. File, or a web document file including an MHT, etc.), thereby requesting a medialess financial transaction request for the clientless transaction. It is desirable to process each other.

Alternatively, the electronic document generation unit 825 may include customer information, second financial institution information, authentication target medium information, limit amount information, and information included in the media-free financial transaction application information received through the information receiving unit 815. 2 Generate the document content including at least one authentication means information, and apply for the media-free financial transaction to the image content (e.g., image content generated by capturing the document content on a memory). Generating image content including at least one or more of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the information by a watermarking method; A document file (e.g., a Portable Document Format (PDF) file) containing the image content including watermarking and the media-free financial transaction application information, and An EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to process the financial transaction electronic documents.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825, the technical features to generate a media-free financial transaction application electronic document in the image file format and / or a predetermined document file format, Since the technical features of the file format for the image file and / or the document file corresponding to the medium-free financial transaction application electronic document will be familiar, detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits and stores the media-free financial transaction application electronic document generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the media-free financial transaction information registration system. Characterized in that.

As shown in FIG. 8, the electronic document repository is connected to the information registration server 800 on the medium-free financial transaction information registration system through a predetermined communication means, and the electronic document server 845 and the electronic document D /. When provided externally, including B 865, the electronic document transmission unit 830 transmits the media-free financial transaction request electronic document generated by the electronic document generation unit 825 through the communication means. Characterized in that the transmission to the document server (845).

Herein, when the electronic document server 845 and the electronic document D / B 865 are provided outside the medialess financial transaction information registration system, the electronic document server 845 and the electronic document D / B ( 865 should be managed by an accredited body.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the medialess financial transaction information registration system, the electronic document transmitting unit 830 is generated by the electronic document generating unit 825. The generated medium-free financial transaction application electronic document can be stored in an electronic document D / B 865 corresponding to an electronic document storage on a DBMS provided in the medium-free financial transaction information registration system. It is not limited.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 830 may transmit the electronic document related information (eg, the media-free financial transaction application information for generating predetermined electronic document management information in the electronic document server 845). Customer information transmitted by input (selection), and / or financial institution information for transmitting the media-free financial transaction request electronic document, and / or electronic document file format information, and / or the media-free financial transaction application information, etc.). In addition, it is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 8, the information registration server 800 performs the medialess financial transaction request customer authentication process through the validity verification unit 820 on the medialess financial transaction application information received through the information receiving unit 815. When the validity is verified, the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information included in the medium-free financial transaction application information whose validity is certified are linked and processed. And an information storage unit 835 (or information storage means) stored in the storage medium 840 of the apparatus.

When the validity confirmation unit 820 confirms the validity of the media-free financial transaction application information, the information storage unit 835 includes the customer information, the second financial institution information, included in the media-free financial transaction application information, It is characterized in that the storage medium 840 is stored in the storage medium 840 by linking the authentication target medium information, the limit amount information, and the second authentication means information, the storage medium 840 is provided in the information registration server 800 or When provided on the network associated with the information registration server 800, the information storage unit 835 is the customer information included in the received media-free financial transaction application information, second financial institution information, authentication target The media information, the limit amount information, and the second authentication means information may be stored in the storage medium 840 in a cooperative process. When the storage medium 840 is provided in a DBMS provided on a financial system, the information may be used.The ledger 835 stores the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information included in the received medium-free financial transaction application information through the external system on the financial system. It is desirable to provide the information system and store it in the DBMS provided on the financial system.

Referring to FIG. 8, a predetermined media-free financial transaction application electronic document is received from the information registration server 800 provided on the media-free financial transaction information registration system and stored in a predetermined electronic document D / B 865. And the electronic document server 845 managing the electronic document receiving unit 850 (or electronic document receiving means) for receiving a predetermined medium-free financial transaction request electronic document from the information registration server 800 through a predetermined communication means. And an information generating unit 855 (or information generating means) for generating predetermined electronic document management information for storing and managing the received medium-free financial transaction application electronic document in the electronic document D / B 865. And an electronic document storage unit 860 (or electronic document storage means) for linking the electronic document management information and the media-free financial transaction application electronic document and storing the electronic document management information in a predetermined electronic document D / B 865. That scoop It is gong.

The electronic document receiving unit 850 may receive a media-free financial transaction request electronic document in the form of an image file and / or a document file from the information registration server 800 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 850 receives the medialess financial transaction request electronic document received through the communication means, which the information registration server 800 receives from the information registration terminal 870. Document file containing document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the media-free financial transaction 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).

Alternatively, the medialess financial transaction application electronic document received by the electronic document receiver 850 through the communication means may be applied to the medialess financial transaction application information received by the information registration server 800 from the information registration terminal 870. Customer information included in the media-free financial transaction application information in document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information; A document file including document content including the watermarking after including at least one of financial institution information, authentication target medium information, limit amount information, and second authentication means information in a watermarking manner. Or a word processor file including at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like. Web document files, etc.) to be included.

Alternatively, the media-free financial transaction application electronic document received by the electronic document receiver 850 through the communication means may be the media-free financial transaction application information received by the information registration server 800 from the information registration terminal 870. Image content (eg, the document content) which captures document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the information. It is preferably made to include an image file (including image content generated by capturing on the memory).

Alternatively, the medialess financial transaction application electronic document received by the electronic document receiver 850 through the communication means may be applied to the medialess financial transaction application information received by the information registration server 800 from the information registration terminal 870. Image content that captures document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information (e.g., the document content is stored in memory). Image information captured and generated on a digital screen), at least one or more of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the media-free financial transaction application information. After the watermarking method is included, the watermarking may include an image file including the image content including the watermarking. It is.

According to another embodiment of the present invention, the information registration server 800 is received from the information registration terminal 870 is a media-free financial transaction application electronic document received by the electronic document receiving unit 850 through the communication means. Image content that captures document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in a media-free financial transaction application information. At least a predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including (e.g., image content generated by capturing the document content on a memory). And at least one word processor file or web document file including MHT).

Alternatively, the medialess financial transaction application electronic document received by the electronic document receiver 850 through the communication means may be applied to the medialess financial transaction application information received by the information registration server 800 from the information registration terminal 870. Image content that captures document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information (e.g., the document content is stored in memory). Image information captured and generated on a digital screen), at least one or more of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the media-free financial transaction application information. Create image content including a watermarking method, and include a document file (eg, PDF) containing the image content including the watermarking. A Portable Document Format (EDI) 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 another embodiment of the present invention, the electronic document receiving unit 850 is a media-free financial transaction application electronic document received through the communication means is the information registration server 800 from the information registration terminal 870 Image capturing document contents including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the received media-free financial transaction application information. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (Electronic Data Interchange)) containing content (e.g., image content generated by capturing the document content on a memory) and the media-free financial transaction application information. File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT). Preferable.

Alternatively, the medialess financial transaction application electronic document received by the electronic document receiver 850 through the communication means may be applied to the medialess financial transaction application information received by the information registration server 800 from the information registration terminal 870. Image content that captures document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information (e.g., the document content is stored in memory). Image content captured on the image) includes at least one or more of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the media-free financial transaction application information. Generating image content including a watermarking method, the image content including the watermarking and the media-free financial transaction application A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

The information generating unit 855 uses a predetermined electronic document unique number (or unique information) to be assigned to the media-free financial transaction request electronic document received through the electronic document receiving unit 850, and the electronic document receiving unit 850. Generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the medialess financial transaction application electronic document was stored) when the electronic media transaction transaction electronic document was received. It features.

According to the exemplary embodiment of the present invention, the information generating unit 855 refers to the information registration server 800 which transmits the electronic medium financial transaction request electronic document received through the electronic document receiving unit 850. It is preferable to identify the financial institution that has transmitted the media financial transaction application electronic document, and generate the 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 information registration server 800 through the electronic document receiving unit 850, the information generating unit 855 receives the received information. Electronic document-related information (e.g., customer information transmitted by inputting (selecting) the medium-free financial transaction application information and / or financial institution information transmitting the medium-free financial transaction application electronic document, and / or electronic document file format). Information, and / or the medium-free financial transaction application information).

The electronic document storage unit 860 associates a media-free financial transaction request electronic document received through the electronic document receiving unit 850 with electronic document management information generated by the information generating unit 855 to provide a predetermined electronic content. The document D / B 865 may be stored.

According to one embodiment of the invention, the electronic document storage unit 860 is stored in the electronic document D / B (865) media-free financial transaction application electronic document is the information registration server 800 is the information registration terminal Document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the medium-free financial transaction application information received from 870. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 may be received from the information registration terminal 870 by the information registration server 800. Include in the media-free financial transaction application information in document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the media financial transaction application information. Watermarking method, including at least one or more of the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information, and then the document content including the watermarking. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more, such as HWP / DOC, or MHT) It comprises a web page file, and so on), including preferred.

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 may be received from the information registration terminal 870 by the information registration server 800. Image content (e.g., captured) document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the media financial transaction application information (e.g., And an image file including image content generated by capturing the document content on a memory.

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 may be received from the information registration terminal 870 by the information registration server 800. Image content (e.g., captured) document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the media financial transaction application information (e.g., Image content generated by capturing the document content on a memory, among customer information included in the medialess financial transaction application information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information. After including at least one or more information in a watermarking (Watermarking) method, and comprises an image file containing the image content including the watermarking bar. Preferable.

According to another exemplary embodiment of the present invention, the information registration server 800 registers the information in a medialess financial transaction application electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860. Capturing document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the medium-free financial transaction application information received from the terminal 870. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including captured image content (eg, image content generated by capturing the document content on a memory); Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 may be received from the information registration terminal 870 by the information registration server 800. Image content (e.g., captured) document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the media financial transaction application information (e.g., Image content generated by capturing the document content on a memory, among customer information included in the medialess financial transaction application information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information. A document file (eg, PD) is generated that generates image content including at least one or more information by a watermarking method, and includes the image content including the watermarking. A portable document format (F) 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.

According to another embodiment of the present invention, the electronic document storage unit 860 is stored in the electronic document D / B (865) media-free financial transaction application electronic document is the information registration server 800 is Document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the medium-free financial transaction application information received from the information registration terminal 870. A predetermined document file (e.g., a Portable Document Format (PDF) file) including captured image content (e.g., image content generated by capturing the document content on a memory) and the media-free financial transaction application information; 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). Is recommended.

Alternatively, the media-free financial transaction request electronic document stored in the electronic document D / B 865 by the electronic document storage unit 860 may be received from the information registration terminal 870 by the information registration server 800. Image content (e.g., captured) document content including at least one of customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means information included in the media financial transaction application information (e.g., Image content generated by capturing the document content on a memory, among customer information included in the medialess financial transaction application information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information. Generate image content including at least one or more information by a watermarking method, and apply for the image content including the watermarking and the media-free financial transaction application. Document files (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, word processor files including at least one or more HWP / DOC, etc., or web document files including MHT) It is preferable to comprise).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 865 by processing the electronic document storage unit 860 in association with the electronic document applying for medialess transaction is the media-free. It is preferable that a predetermined electronic document unique number (or unique information) assigned to the financial transaction 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 865 by processing the electronic document storage unit 860 in association with the electronic medium financial transaction request electronic document is non-existent. The financial institution request electronic document, which has been identified with reference to the information registration server 800 that transmits the media financial transaction request electronic document, may be further included.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the information registration server 800, the electronic document storage unit 860 processes to associate with the media-free financial transaction request electronic document. The electronic document management information stored in the electronic document D / B 865 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the media-free financial transaction application information), and / or Financial institution information, and / or electronic document file format information, and / or the medium-free financial transaction application information, etc. for transmitting the medium-free financial transaction application electronic document.

9 is a diagram illustrating the construction of media-free financial transaction application information stored in a ledger D / B 900 provided in a DBMS on a financial system in a non-face-to-face manner to process a media-free financial transaction request customer authentication according to an embodiment of the present invention. One drawing.

In more detail, in FIG. 9, when the storage medium 840 shown in FIG. 8 is the ledger D / B 900 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 900 is used. As the configuration of information on an implementation method of storing the media-free financial transaction application information including the customer information, the second financial institution information, the authentication use media information, the limit amount information, and the second authentication means information, Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to infer various information construction methods for storing the media-free financial transaction application information in the ledger D / B 900. 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 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (900) provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. Ledger D / B 900 includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

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

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

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

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

Referring to FIG. 9, the media-free financial transaction application information provided through the media-free financial transaction information registration system illustrated in FIG. 8 may be stored in the form of additional information added to the account ledger. The transaction application information may include at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information.

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank account, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by signing up as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). The member ID information, CIF (Customer Information File) number, etc. included in the customer book provided on the financial system associated with the media-free financial transaction information registration system in response to the customer. It is preferable to include one or more.

According to another embodiment of the present invention, the medium-free financial transaction application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information added to and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limited to the present invention.

10 is a medium-free financial transaction stored in a database linked to the ledger D / B 900 provided in the DBMS on the financial system in a non-face-to-face manner to process the request for authentication of a medium-free financial transaction according to another embodiment of the present invention. It is a figure which shows the structure of application information.

In more detail, FIG. 10 shows an information structure for an implementation method in which the storage medium 840 shown in FIG. 8 is stored in a predetermined database linked to the ledger D / B 900 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 10 to apply the media-free financial transaction application information to a predetermined database in the ledger D / B 900. It will be able to infer a variety of information configuration method for storing in association with the present invention, the present invention includes all the inferred implementation method, it is not limited to the implementation method shown in FIG.

Particularly, in FIG. 10, when it is not easy to store the media-free financial transaction application information in the ledger information of the ledger D / B 900 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the DBMS It is not easy to change the ledger D / B (900), or the system expansion is not easy due to the nature of the financial system), apply for the media-free financial transaction to a predetermined database instead of the ledger D / B (900) It shows an implementation method of storing the information, the database and the ledger D / B (900) in a cooperative process.

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

Referring to FIG. 10, the database stores and stores the customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information included in the media-free financial transaction application information. Characterized in that, the media-free financial transaction application information further comprises a CIF number corresponding to the ledger information in the media-free financial transaction application information to be processed in conjunction with the ledger D / B (900). .

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by joining as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

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

FIG. 11 is a diagram illustrating the configuration of media-free financial transaction application information stored in a DBMS provided in a banking server in a non-face-to-face manner to process a media-free financial transaction request customer authentication according to another embodiment of the present invention.

More specifically, in Figure 11, the storage medium 840 shown in Figure 8 is a predetermined banking provided on an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment of the method provided in the DBMS provided in the server, those skilled in the art to which the present invention belongs, at least one or more banking server is provided with reference to and / or modified Although it is possible to infer a method of constructing information on media-free financial transaction application information stored in a predetermined DBMS, the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 11, a predetermined DBMS provided in the banking server includes customer information, second financial institution information, authentication target media information, limit amount information, and second authentication means included in the media-free financial transaction application information. Characterized in that the information is processed by linking.

The second financial institution information, when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bank account or card for a financial transaction issued to the customer, the customer In order to authenticate the financial institution name, address, telephone number, representative name, business registration number, corporation registration number, branch (other than financial institution A) for other financial institutions (ie, financial institution B) with which the customer transacts. Or at least one or more branches), and the like. The financial institution A and the financial institution B may be the same financial institution or may be a plurality of financial institutions, depending on the intention and purpose of those skilled in the art.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by joining as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

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

12A and 12B are diagrams illustrating a process of registering media-free financial transaction application information in a non-face-to-face manner for a media-free financial transaction request customer authentication process according to an exemplary embodiment of the present invention.

12A and 12B show that the information registration terminal 870 on the medialess financial transaction information registration system shown in FIG. 8 is a client terminal, and the information registration server 800 is a client via a predetermined network means. In the case where the terminal has a web server function to which the terminal is accessible, a predetermined customer may use the client terminal to process customer information, second financial institution information, authentication target medium information, and limit through the client terminal for the request processing of the media-free financial transaction. When the medium-free financial transaction application information including at least one amount of money information and second authentication means information is provided, the predetermined medium-free financial transaction including the provided medium-free financial transaction application information is provided by the medium-free financial transaction information registration system. Generate the application electronic document, store it in a predetermined electronic document storage, and include it in the media-free financial transaction application information. The present invention relates to an implementation method of linking and processing the stored customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information in a predetermined storage medium 840. For those skilled in the art, various methods of registering the medialess financial transaction application information from the client terminal to the information registration server 800 by referring to and / or modifying the drawings 12a and 12b are provided. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 12A and 12B.

For example, in the implementation method illustrated in FIGS. 12A and 12B, a web page provided by the information registration server 800 may provide a user interface for the client terminal to input (or select) the media-free financial transaction application information. Although described as being provided through, but when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the information registration server 800, thereby the present invention is not limited.

12A and 12B, the client terminal shown in FIG. 8 is referred to as " terminal " for convenience, and the information registration server 800 shown in FIG. 8 is referred to as " server " for convenience. The customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information transmitted to the information registration server 800 are referred to as "media-free financial transaction application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, 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, When requesting a web page including a user interface for a media financial transaction request customer authentication process (1200), in response, the server requests the customer information, the second financial institution information, the authentication target media information, the limit amount information, 2 a user interface for inputting (or selecting) medium-free financial transaction application information including at least one authentication means information and transmitting the same to the server. Generates a web page (or extract), and 1205, and outputs via the network means sends a web page containing the created user interface (or extract) to the mobile station 1210.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least one time according to the registration procedure of the medium-free financial transaction application information. It is not limited.

Then, the terminal through the user interface included in the web page, at least one or more customer information, the second financial institution information, the authentication use medium information, the limit amount information, the second medium means information including the transaction information application (1215).

If the terminal inputs (or selects) the media-free financial transaction application information including the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the user interface. 1220, the terminal transmits the input (or selected) customer information, second financial institution information, authentication target medium information, limit amount information, second authentication means information to the server through the communication channel ( 1225).

According to an embodiment of the present invention, the terminal may include at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the media-free financial transaction application information in the server It is preferable to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information. Encrypt using one or more encryption methods (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) Preferably, a predetermined electronic signature is attached to the media financial transaction application information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or Have a predetermined certificate containing at least one encryption key, and / or the certificate is Definition When provided in an IC chip (or IC card), it is preferable that a card reader for confirming the official certificate provided in the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal includes at least one medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information. Encrypting using one or more encryption methods (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) It is preferable to transmit to a 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), a blank provided on the IC chip (or IC card) It provided a card reader to verify the certificate is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the medium-free financial transaction application information, and technology for attaching a predetermined electronic signature to the medium-free financial transaction application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Subsequently, the server receives and reads the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the communication channel, thereby validating the media-free financial transaction application information. Check (1230).

According to an embodiment of the present invention, the media-free financial transaction 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). Or, when encrypted with a key exchange based encryption scheme, the server converts the encrypted medium-free financial transaction application information into at least one decryption scheme (eg, symmetric key based decryption scheme, and / or public) corresponding to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received medium-free financial transaction application information.

Alternatively, when a predetermined electronic signature is attached to the media-free financial transaction application information, the server checks the electronic signature attached to the media-free financial transaction application information, thereby validating the received media-free financial transaction application information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption methods for decrypting the encrypted medium-free financial transaction application information and the electronic signature attached to the medium-free financial transaction 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, if the media-free financial transaction application information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the media-free financial transaction application information. It is preferable that the server authenticates the validity of the received medium-free financial transaction application information by comparing and authenticating the received password included in the medium-free financial transaction application information with the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the medium-free financial transaction application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the medium-free financial transaction application information, the server may be configured to provide the information. It is preferable to authenticate the validity of the received medium-free financial transaction application information by comparing and authenticating the received security card information included in the media financial transaction application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the media-free financial transaction application information received through the information receiver 815 further includes a predetermined OTP code for confirming the validity of the media-free financial transaction application information, the server may perform the media-free operation. By comparing and authenticating the received OTP code included in the financial transaction application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, It is desirable to authenticate validity.

According to the method of the present invention, the validity confirmation of the media-free financial transaction application information is the media-free financial transaction application information to the ledger D / B (900) on the financial system associated with the media-free financial transaction information registration system It is preferable to include a check whether at least one or more ledger information is matched with.

For example, the validity checker 820 is a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the media-free financial transaction application information is linked to the media-free financial transaction information registration system. It is preferably made to include matching with the customer ledger stored in the ledger D / B 900 of the award.

In addition, the validity confirmation of the media-free financial transaction application information, financial information that is provided in the financial institution that the second financial institution information of the information contained in the financial transaction application information is linked to the media-free financial transaction information registration system It is desirable to include checking whether the system and the associated service can be provided.

In addition, the verification of the validity of the media-free financial transaction application information, the information contained in the financial transaction application information, the financial information provided in the financial institution associated with the certificate-free media transaction information registration system It is preferable to include whether or not the authentication target medium of the customer on the system.

If the validity of the media-free financial transaction application information is not authenticated (1235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1240), and the media-free financial transaction Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the media-free financial transaction application information is authenticated (1235), the server includes at least one or more customer information, the second financial institution information, authentication target media information, limit including the media-free financial transaction application information. A predetermined document content including the price information and the second authentication means information is generated (1245), and a predetermined medium-free financial transaction request electronic document including the document content is generated (1250).

According to an exemplary embodiment of the present invention, the server may include at least customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Word that generates at least one document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. Processor file, or a web document file including an MHT, etc.), it is preferable to process the media-free financial transaction request electronic document for processing the request for a media-free financial transaction request.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Generating and watermarking at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information included in the document-less content; After a watermarking method, at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the document content including the watermarking is included. A word processor file, or a web document file including an MHT) before applying for a medium-free financial transaction for processing the request for customer-free financial transaction. It is preferred to process the document.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Media-free finance for generating the image file including the image content (for example, the image content generated by capturing the document content on the memory) captured the document content, the media-free financial transaction request customer authentication process It is preferable to process the transaction request electronic document.

Alternatively, the server may include at least one document information including customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. And customer information included in the media-free financial transaction application information in the image content (eg, the image content generated by capturing the document content on a memory) in which the document content is captured, and the second financial institution information. And including at least one or more information of the authentication target medium information, the limit amount information, and the second authentication means information in a watermarking manner, and then converting the image file including the image contents including the watermarking into the media-free finance. It is preferable to process a request for a media-free financial transaction request electronic document for processing a transaction request customer authentication.

According to another exemplary embodiment of the present invention, the server may include customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Generate a document content including at least one or more, and a predetermined document file (e.g., PDF (including image content generated by capturing the document content on a memory) captured by the document content (e.g., Requesting the medium-free financial transaction by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. It is preferable to process the electronic documents without a media financial transaction for customer authentication processing.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Customer information, second financial institution information, included in the media-free financial transaction application information in image content (for example, image content generated by capturing the document content on a memory) which is captured and captured the document content; A document file including image content including at least one or more of the information on the use of authentication target information, the limit value information, and the second authentication means information by a watermarking method, and including the image content including the watermarking ( For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, and the like may be included. By creating a web page file, and so on) that include the word-processor file, or MHT, is preferably treated with a non-financial transaction medium application electronic document for the non-financial transactions requested media client authentication process.

According to another exemplary embodiment of the present invention, the server may include customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Generating document content including at least one of the document content, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the media-free financial transaction request information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By generating a, it is preferable to process the media-free financial transaction request electronic document for the media-free financial transaction request customer authentication processing.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Customer information, second financial institution information, included in the media-free financial transaction application information in image content (for example, image content generated by capturing the document content on a memory) which is captured and captured the document content; Generate image content including at least one or more information of the authentication target medium information, the limit amount information, and the second authentication means information by a watermarking method, and the image content including the watermarking and the media-free financial transaction. Document file containing the application information (for example, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, or HWP) / DOC, or a word processor file including at least one or more, or a web document file including the MHT, etc.), it is preferable to process as a media-free financial transaction application electronic document for the request processing of the media-free financial transaction request. Do.

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

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

As shown in FIG. 8, the electronic document repository stores a predetermined electronic document server 845 and an electronic document D / B 865 linked with a server on the medium-free financial transaction information registration system through predetermined communication means. In addition, when provided to the outside, the server transmits the generated medium-free financial transaction application electronic document to the electronic document server 845 via the communication means to store in the electronic document D / B (865) It is preferable.

Alternatively, when the electronic document repository is provided on a DBMS provided in the medialess financial transaction information registration system, the server includes the generated median financial transaction application electronic document in the medialess financial transaction information registration system. The electronic document D / B 865 corresponding to the electronic document storage on the DBMS can be stored, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the media-free financial transaction request electronic document in the electronic document repository may be performed by linking the generated media-free financial transaction request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (865) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the medium-free financial transaction application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the media-free financial transaction request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the media-free financial transaction application information, and / or financial data for transmitting the media-free financial transaction application electronic document). Institution information, and / or electronic document file format information, and / or media-free financial transaction application information).

If the electronic financial transaction application electronic document is stored in the electronic document repository (1260), the server includes the customer information, the second financial institution information, and the authentication target medium information included in the medialess financial transaction application information. And storing the limit amount information and the second authentication means information in a predetermined storage medium 840 (1265), and specifying information registration history information (e.g., the media-free financial transaction application electronic document in the electronic document repository). And (or extract) the stored details, and / or the stored details of the media-free financial transaction application information in the storage medium 840 and transmits them to the terminal (1270).

According to an embodiment of the present invention, the storage medium 840 is provided in a DBMS on a financial system provided on the media-free financial transaction information registration system (or associated with the media-free financial transaction information registration system). Preferably, the storage medium 840 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 840 is provided on (or associated with) the medialess financial transaction information registration system, and / or a telebanking system, and / or wireless banking. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a process of registering media-free financial transaction application information through a non-face-to-face financial transaction channel for a media-free financial transaction request customer authentication process according to an exemplary embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C illustrate a case in which the medialess financial transaction information registration system shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, In the case where the information registration server 800 on the medialess financial transaction information registration system is an Internet banking server, the client terminal accesses and predetermined the Internet banking server through a TCP / IP based network (for example, the Internet). After performing the customer authentication procedure of the client, the client terminal transmits the predetermined medium-free financial transaction application information for the request processing of the medium-free financial transaction request to the Internet banking server, the received medium-free at the Internet banking server Generates a predetermined medialess financial transaction request electronic document containing financial transaction application information and stores it in the designated electronic document storage The customer information, the second financial institution information, the authentication target medium information, the limit amount information, and the second authentication means information included in the medium-free financial transaction application information are interworked and stored in a predetermined storage medium 840. As a person of ordinary skill in the art to which the present invention pertains, reference and / or modification of the drawings 13a, 13b, and 13c will be described above. Various implementation methods for registering the media financial transaction application information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 13A, 13B, and 13C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 13A, 13B, and 13C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering the medialess financial transaction application information between the client terminal and the internet banking server based on the browser program is illustrated, general knowledge in the technical field to which the present invention pertains is shown. In the case of a person having the Internet banking method, the Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 13A, 13B, and 13C is referred to and / or modified, based on a predetermined Internet banking program mounted on the client terminal. Client terminal and internet bang Although it may be possible to infer a method of connecting an internet banking-based financial transaction channel for registration of media-free financial transaction application information between king servers, the present invention provides an internet banking-based financial transaction provided based on the internet banking program. And the invention is not limited thereby.

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

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

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

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

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

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

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

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

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or 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 from the terminal to the server for registration of medialess financial transaction application information. Attach a predetermined digital signature to information (or data) to be provided and / or at least 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 (1335a).

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

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

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

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

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined media-free financial transaction application information for the media-free financial transaction request customer authentication process from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface for the medialess financial transaction request customer authentication processing through the internet banking-based financial transaction channel (1300b), the server correspondingly requests the customer information. A user interface for inputting (or selecting) media-free financial transaction application information including at least one of second financial institution information, authentication target medium information, limit amount information, and second authentication means information and transmitting the same to the server; A web page including the web page is generated (or extracted) (1305b), and the web page including the generated (or extracted) user interface is transmitted to the terminal through the internet banking-based financial transaction channel (1310b).

According to an embodiment of the present invention, the web page is a media-free financial transaction application including at least one of customer information, second financial institution information, authentication target media information, limit amount information, second authentication means information in the terminal; Preferably a user interface for entering (or selecting) information, and / or a predetermined password and / or security to validate the Internet banking customer requesting to register the media-free financial transaction application information. Card information (e.g., security card information printed on a security card issued to a customer during an internet banking application process) and / or one time password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) The user interface to enter the one-time password generated by the OTP authenticator (or OTP authenticator) provided to the user Further include a switch is preferred.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure for registering the medialess financial transaction application information, and the present invention is not limited thereto.

Thereafter, the terminal inputs the medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the information registration interface ( Or (1315b).

If the terminal inputs (or selects) the media-free financial transaction application information including the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information through the user interface. In operation 1320b, the terminal transmits the input (or selected) medium-free financial transaction application information to the server through the financial transaction channel (1325b).

According to an embodiment of the present invention, the terminal may include at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information. At least one or more of a predetermined password and / or security card information and / or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the media-free financial transaction application information in the server It is preferable to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information. Encrypt using one or more encryption methods (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) Preferably, a predetermined electronic signature is attached to the media financial transaction application information and transmitted to the server through the network means. For this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or Have a predetermined certificate containing at least one encryption key, and / or the certificate is If the definitions provided in the IC chip (or IC card) is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card).

According to an embodiment of the present invention, the terminal includes at least one medium-free financial transaction application information including at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information. Encrypting using one or more encryption methods (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) It is preferable to transmit to a 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), a blank provided on the IC chip (or IC card) is provided. It provided a card reader to verify the certificate is preferred.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the medium-free financial transaction application information, and technology for attaching a predetermined electronic signature to the medium-free financial transaction application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

Thereafter, the server receives and reads the media-free financial transaction application information through the financial transaction channel to confirm the validity of the media-free financial transaction application information (1330b).

According to an embodiment of the present invention, the media-free financial transaction 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). Or, when encrypted with a key exchange based encryption scheme, the server converts the encrypted medium-free financial transaction application information into at least one decryption scheme (eg, symmetric key based decryption scheme, and / or public) corresponding to the encryption scheme. Key-based decryption scheme, and / or electronic envelope-based decryption scheme, and / or key exchange-based decryption scheme, etc.), it is preferable to authenticate the validity of the received medium-free financial transaction application information.

Alternatively, when a predetermined electronic signature is attached to the media-free financial transaction application information, the server checks the electronic signature attached to the media-free financial transaction application information, thereby validating the received media-free financial transaction application information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption methods for decrypting the encrypted medium-free financial transaction application information and the electronic signature attached to the medium-free financial transaction 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, if the media-free financial transaction application information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the media-free financial transaction application information, the server It is preferable to authenticate the validity of the received media-free financial transaction application information by comparing and authenticating the password received included in the media-free financial transaction application information and the password provided corresponding to the customer on the DBMS. .

Alternatively, when the medium-free financial transaction application information received through the information receiving unit 815 further includes predetermined security card information for confirming the validity of the medium-free financial transaction application information, the server may be configured to provide the information. It is preferable to authenticate the validity of the received medium-free financial transaction application information by comparing and authenticating the received security card information included in the media financial transaction application information and the security card information provided corresponding to the customer on the DBMS. Do.

Alternatively, when the media-free financial transaction application information received through the information receiver 815 further includes a predetermined OTP code for confirming the validity of the media-free financial transaction application information, the server may perform the media-free operation. By comparing and authenticating the received OTP code included in the financial transaction application information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS, It is desirable to authenticate validity.

According to an embodiment of the present invention, the validity of the media-free financial transaction application information may be determined by applying the media-free financial transaction application information to the ledger D / B 900 on the financial system associated with the media-free financial transaction information registration system. It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity checker 820 is a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the media-free financial transaction application information is linked to the media-free financial transaction information registration system. It is preferably made to include matching with the customer ledger stored in the ledger D / B 900 of the award.

In addition, the validity confirmation of the media-free financial transaction application information, financial information that is provided in the financial institution that the second financial institution information of the information contained in the financial transaction application information is linked to the media-free financial transaction information registration system It is desirable to include checking whether the system and the associated service can be provided.

In addition, the verification of the validity of the media-free financial transaction application information, the information contained in the financial transaction application information, the financial information provided in the financial institution associated with the certificate-free media transaction information registration system It is preferable to include whether or not the authentication target medium of the customer on the system.

If the validity of the media-free financial transaction application information is not authenticated (1335b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1340b), and the media-free financial transaction Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the media-free financial transaction application information is authenticated (1335b), the server includes at least one or more customer information, the second financial institution information, the authentication target media information, and the limit including the media-free financial transaction application information. A predetermined document content including the amount of money information and the second authentication means information is generated (1345b), and a predetermined medium-free financial transaction application electronic document including the document content is generated (1350c).

According to an exemplary embodiment of the present invention, the server may include at least customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Word that generates at least one document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. Processor file, or a web document file including an MHT, etc.), it is preferable to process the media-free financial transaction request electronic document for processing the request for a media-free financial transaction request.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Generating and watermarking at least one of the customer information, the second financial institution information, the authentication use medium information, the limit amount information, and the second authentication means information included in the document-less content; After including a watermarking method, at least one document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content including the watermarking. A word processor file, or a web document file including an MHT) before applying for a medium-free financial transaction to process the request for customer-free financial transaction. It is advisable to deal with it.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Media-free finance for generating the image file including the image content (for example, the image content generated by capturing the document content on the memory) captured the document content, the media-free financial transaction request customer authentication process It is preferable to process the transaction request electronic document.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Customer information, second financial institution information, included in the media-free financial transaction application information in image content (for example, image content generated by capturing the document content on a memory) which is captured and captured the document content; After including at least one or more information of the authentication target medium information, the limit amount information, the second authentication means information by a watermarking method, the image file including the image content including the watermarking, the media-free financial transaction It is desirable to process the request as a media-free financial transaction request electronic document.

According to another exemplary embodiment of the present invention, the server may include customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Generate a document content including at least one or more, and a predetermined document file (e.g., PDF (including image content generated by capturing the document content on a memory) captured by the document content (e.g., Requesting the medium-free financial transaction by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT. It is preferable to process the electronic documents without a media financial transaction for customer authentication processing.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Customer information, second financial institution information, included in the media-free financial transaction application information in image content (for example, image content generated by capturing the document content on a memory) which is captured and captured the document content; A document file including image content including at least one or more of the information on the use of authentication target information, the limit value information, and the second authentication means information by a watermarking method, and including the image content including the watermarking ( For example, at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, and the like may be included. By generating a word processor file, or a web document file containing the MHT, etc.), it is preferable to process as a media-free financial transaction application electronic document for the media-free financial transaction request customer authentication processing.

According to another exemplary embodiment of the present invention, the server may include customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Generating document content including at least one, and including image content (eg, image content generated by capturing the document content on a memory) and the media-free financial transaction 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 or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to process the media-free financial transaction request electronic document for the media-free financial transaction request customer authentication processing.

Alternatively, the server may include document content including at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information included in the received medium-free financial transaction application information. Customer information, second financial institution information, included in the media-free financial transaction application information in image content (for example, image content generated by capturing the document content on a memory) which is captured and captured the document content; Generate image content including at least one or more information of the authentication target medium information, the limit amount information, and the second authentication means information by a watermarking method, and the image content including the watermarking and the media-free financial transaction. Document file containing the application information (for example, Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, or HW) Generating a word processor file including at least one of P / DOC, a web document file including MHT, etc.), and processing the same as a medium-free financial transaction request electronic document for processing of the request-free financial transaction request customer. desirable.

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

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

As shown in FIG. 8, the electronic document repository stores a predetermined electronic document server 845 and an electronic document D / B 865 linked with a server on the medium-free financial transaction information registration system through predetermined communication means. In addition, when provided to the outside, the server transmits the generated medium-free financial transaction application electronic document to the electronic document server 845 via the communication means to store in the electronic document D / B (865) It is preferable.

Alternatively, when the electronic document repository is provided on a DBMS provided in the medialess financial transaction information registration system, the server includes the generated median financial transaction application electronic document in the medialess financial transaction information registration system. The electronic document D / B 865 corresponding to the electronic document storage on the DBMS can be stored, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the media-free financial transaction request electronic document in the electronic document repository may be performed by linking the generated media-free financial transaction request electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (865) shown in.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the media-free financial transaction application electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the media-free financial transaction request electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the media-free financial transaction application information, and / or financial data for transmitting the media-free financial transaction application electronic document). Institution information, and / or electronic document file format information, and / or media-free financial transaction application information).

If the electronic financial document application electronic document is stored in the electronic document repository (1360c), the server includes the customer information, the second financial institution information, authentication target medium information, included in the medialess financial transaction application information, The limit amount information and the second authentication means information are interworked and stored in a predetermined storage medium 840 (1365c), and predetermined information registration history information (for example, the electronic medium storage application-free electronic transaction application electronic document is stored. The stored details and / or the details of storing the media-free financial transaction application information in the storage medium 840 are generated (or extracted) and transmitted to the terminal (1370c).

According to an embodiment of the present invention, the storage medium 840 is provided in a DBMS on a financial system provided on the media-free financial transaction information registration system (or associated with the media-free financial transaction information registration system). Preferably, the storage medium 840 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), Thereby, this invention is not limited.

According to another method of the present invention, the storage medium 840 is provided on (or associated with) the medialess financial transaction information registration system, and / or a telebanking system, and / or wireless banking. It is possible to be provided in a DBMS on at least one banking system of the system, and / or the TV banking system, whereby the present invention is not limited.

14 is a diagram illustrating a functional configuration of a financial terminal 1400 for financial transaction processing using a mediumless transaction mode according to an embodiment of the present invention.

More specifically, Figure 14 illustrates a cash dispenser (CD) and / or an automatic teller machine (ATM) provided at a given financial institution (e.g., a commercial bank branch) and / or public. In the unmanned financial terminal 1400, showing a preferred functional configuration for processing a financial transaction using the medium-free transaction mode according to the present invention, those skilled in the art to which the present invention belongs, By referring to and / or modifying 14, it is possible to infer various implementation methods for the financial terminal 1400 for processing a financial transaction using the medium-free transaction mode according to the present invention. It is included, but is not limited to the embodiment shown in FIG.

Referring to FIG. 14, the financial terminal 1400 recognizes an MS card and / or an IC card and acquires predetermined information, and each financial transaction provided through the financial terminal 1400. A screen output unit 1415 for outputting a processing screen at a step; a key input unit 1420 for receiving predetermined information according to each financial transaction step; and a communication unit 1430 for communicating with the financial transaction server through a predetermined financial network. ), A memory unit 1455 in which the financial terminal 1400 stores at least one or more financial transaction processing information for the financial transaction processing, predetermined financial transaction history information after the financial transaction, and a corresponding financial transaction. Each of the cash payment unit 1440 for providing cash to the customer, the power supply unit 1425 for supplying power to the financial terminal 1400, at least one terminal function unit 1435, and the financial terminal 1400 are provided. To control the functional components of the This includes the control unit 1405.

The control unit 1405 controls the overall operation of the financial terminal 1400 in the functional configuration, manages the flow of information or data between each component, for financial transactions based on the medium-free transaction mode according to the present invention The at least one component provided in the financial terminal 1400 may be controlled, and at least one processor and execution memory including a central processing unit (CPU) and a micro processing unit (MPU) in hardware. For example, it comprises a register) and a bus (BUS) for inputting and outputting predetermined data and at least one or more electronic circuits (or integrated circuits) therefor, and also for performing software-specific functions. Loading from the predetermined recording medium provided in the financial terminal 1400 into the execution memory and processing by the processor Including a predetermined program routine (Routine) and / or the program data that it is characterized by comprising. In particular, the controller 1405 includes a predetermined operating system and / or a terminal control program routine that manages the financial terminal 1400 after the financial terminal 1400 is booted by software. 14 is a diagram illustrating, for convenience, at least one or more program components provided in the financial terminal 1400 for the financial transaction based on the mediumless transaction mode according to the present invention.

The card reader unit 1410 provides an interface between the card and the financial terminal 1400 to read at least one or more information or data included in the card for at least one or more financial transactions. MS reader interface to the MS (Magnetic Stripe) card based on the IEC 7810 standard with the financial terminal 1400, and / or based on the ISO / IEC 7816 standard for processing financial transactions based on the medium-free transaction mode A contact IC reader unit for interfacing a contact IC card with the financial terminal 1400 and / or a contactless IC reader unit for interfacing a contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 1400. The contact IC reader unit and / or the contactless IC reader unit may correspond to an IC card reader provided in the financial terminal 1400.

The MS reader unit is a card reader unit 1410 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS of the MS card to the predetermined information or data characterized in that for interfacing to the financial terminal 1400.

The contact IC reader unit is a card reader unit 1410 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the terminal 1400.

The non-contact IC reader is a card reader 1410 based on ISO / IEC 14443. At least one of the non-contact IC card and the non-contact electrical contact is made by using capacitive coupling and / or inductive coupling. It comprises the above antenna, the power supply to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU financial terminal It is characterized in that the interface to (1400).

The screen output unit 1415 is previously defined to be output from the financial terminal 1400 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 1405. Or outputting at least one information or data which is defined in real time, the key data and finance input through the key input unit 1420 to the information or data predefined to be output on the screen by the financial terminal 1400. It includes information stored or generated by a component included in the terminal 1400, information transmitted and received through the communication unit 1430, and data corresponding to a predetermined calculation result performed by the financial terminal 1400.

According to an embodiment of the present invention, the screen output unit 1415 outputs a processing screen and / or an interface screen according to each financial transaction step using the mediumless transaction mode according to the present invention to a predetermined screen output device. Do.

According to the exemplary embodiment of the present invention, the screen output unit 1415 outputs an interface screen for inputting (or selecting) a medialess financial transaction mode to the screen output device under the control of the controller 1405. Do.

Here, the medium-free financial transaction mode is preferably a financial transaction mode for providing a financial transaction service to the customer without a bank account or a card for a financial account issued by the financial institution.

Subsequently, when the medium-free financial transaction mode is selected, an interface screen for inputting (or selecting) financial transaction sub-items of the financial transaction sub-items (eg, inquiry, transfer, cash withdrawal, etc.) available to the customer to the screen output device. And if any one of a plurality of financial transaction sub-items is input (or selected) through the output interface screen, to provide a media-free financial transaction service to the customer, a password for the customer's financial account or the financial Outputting a user interface screen for inputting authentication information such as a password for a card used through an account and transaction authentication information including one or more authentication information such as a password that can be authenticated through a second financial institution designated by the customer; It is preferable.

The key input unit 1420 is provided with at least one key button including at least one or more number keys and / or character keys and / or function keys. Detects information (or a signal) input from a key input device of a predetermined key and is provided to the key input device in a specific input mode and / or operation mode of the financial terminal 1400 controlled by the controller 1405. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 1405. The control unit 1405 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 1400, and / or is defined to match the key event. And an instruction to be executed to perform the functions characterized in that the pickup. The key input unit 1420 and the key input device having at least one or more key buttons interoperate with each other to perform a function of key input means provided in the financial terminal 1400.

According to the exemplary embodiment of the present invention, a key input device interworking with the key input unit 1420 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having a character key and a function key.

According to an embodiment of the present invention, the key input unit 1420 preferably receives at least one or more information for each financial transaction step using the mediumless transaction mode according to the present invention from a predetermined key input device.

The communication unit 1430 is characterized in that it provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal 1400 and the external system of each financial system) provided in the financial terminal 1400. The network communication unit 1430 and / or a predetermined cable communication port for providing transaction communication with a financial transaction server provided on a financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. (E.g., RS-232c, USB (Universal Serial Bus), etc.) cable communication unit 1430 and / or Infrared Ray communication, RF (Radio Frequency) communication, Bluetooth ( Local area communication unit 14 for providing transactional communication with the local area communication device through at least one local area wireless communication including BlueTooth, Wireless LAN, Wi-Fi, and Ultra Wide Band system (UWB). And communication protocols and communication applications for providing transactional communication in software.

According to an embodiment of the present invention, the communication unit 1430 is configured to process a financial transaction using a media transaction server and a mediumless transaction mode on the financial system via a network through the network communication unit 1430. It is desirable to connect the communication channels.

The memory unit 1455 is a storage medium that stores at least one or more information or data required for the control unit 1405 to perform a predetermined control function. The memory unit 1455 has an EEPROM (Electrically Erasable and Programmable Read Only Memory), FM in hardware. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and includes a predetermined program routine and program required for the control unit 1405 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 1455 stores at least one financial transaction processing information used by the financial terminal 1400 to process a financial transaction using a mediumless transaction mode according to the present invention. Preferably, and / or after the financial transaction processing using the mediumless transaction mode, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 1440 is a financial transaction result corresponding to a card read through the card reader unit 1410 from a predetermined financial system through the communication unit 1430, a predetermined cash payment command to the financial transaction customer (Or a cash payment approval result) and, when received, a predetermined amount of cash (or cash requested by the financial transaction customer) for the cash payment order (or cash payment approval result) is provided in the financial terminal 1400. Read out from the cash storage unit 1445 is characterized in that the payment to the customer through a predetermined cash discharge unit 1450.

The terminal function unit 1435 is a component provided in the financial terminal 1400 in addition to the components shown in FIG. 14 and / or for a predetermined purpose or role. Typically, various additional function configurations according to the intention of those skilled in the art, such as a secure application module (SAM) for financial transaction support and / or a print output unit for printing a receipt and / or a biometric recognition device for biometrics It is made, including. Those skilled in the art to which the present invention pertains may easily understand each terminal function unit 1435 provided according to the characteristics of the financial terminal 1400, and thus a detailed description thereof will be omitted.

Referring to FIG. 14, a mode checking unit 1460 confirming whether an operation mode of the financial terminal 1400 is an operation mode of processing a financial transaction based on a mediumless transaction mode. And an authentication processing unit 1465 for authenticating the validity of the financial means provided on the IC card using the PIN through the card reader 1410, and when the validity of the financial means provided on the IC card is authenticated. An information reading unit 1470 for reading financial instrument information from the IC card, a full text generation unit 1475 for generating a full financial instrument request message including the financial instrument information, and the communication unit 1430. Transmitting the generated financial instrument request telegram to a financial transaction server, receiving a financial instrument provision telegram corresponding to the financial instrument request telegram from the financial transaction server, and responding to the received financial instrument provision telegram Is characterized in that it comprises a specialized processing unit 1480 for performing a financial transaction result providing function.

In addition, when a financial account for a financial transaction is selected from the interface screen output through the screen output unit 1415, the financial terminal 1400 processes a predetermined financial transaction corresponding to the financial account for the financial transaction. It is preferable that the information input unit 1485 for receiving the financial transaction information for further comprising, in this case, the full text generation unit 1475 is a financial transaction request full text including the financial account information and financial transaction information for financial transactions Preferably, the specialized processing unit 1480 transmits the generated financial transaction request message to the financial transaction server through the communication unit 1430, and finances corresponding to the financial transaction request message from the financial transaction server. Receive a transaction response message, and outputs the financial transaction details contained in the financial transaction response message through the screen output unit 1415 It is preferred.

The financial terminal 1400 includes a plurality of operation modes such as a financial transaction mode for processing a financial transaction using a medium-free transaction mode according to the present invention, or a cash withdrawal mode using a cash card (or a debit card). The mode checking unit 1460 checks whether the operation mode of the financial terminal 1400 is a financial transaction mode for processing a financial transaction using the mediumless transaction mode according to the present invention.

According to an exemplary embodiment of the present invention, the financial terminal 1400 selects a financial transaction using the mediumless transaction mode according to the present invention from among a plurality of operation modes on a basic screen, thereby making a financial transaction using the mediumless transaction mode. It is preferable to switch to the financial transaction mode to process the.

According to another exemplary embodiment of the present invention, the financial terminal 1400 performs a financial transaction using a mediumless transaction mode according to the present invention, after a predetermined IC card is inserted into the IC card reader. By selecting, it is preferable to switch to the financial transaction mode for processing the financial transaction using the medium-free transaction mode.

The authentication processing unit 1465 works with the key input unit 1420 when a predetermined IC card is inserted into an IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit among the card reader units 1410. Receiving a predetermined PIN, and performing a validity authentication procedure to secure confidentiality, authentication, integrity, and nonrepudiation of the IC card (and / or financial means provided on the IC card) based on the input PIN. When the validity of the IC card (and / or financial means provided in the IC card) is authenticated by the authentication processing unit 1465, a predetermined financial transaction using the medium-free transaction mode according to the present invention The procedure is performed normally.

According to one embodiment of the invention, the authentication processing unit 1465 is a validity authentication procedure for the IC card (and / or financial means provided in the IC card) after a predetermined IC card is inserted into the IC card reader. It is preferable to carry out.

According to the exemplary embodiment of the present invention, the authentication processing unit 1465 switches the operation mode of the financial terminal 1400 to the financial transaction mode after the predetermined IC card is inserted into the IC card reader, or the financial Validation of the IC card (and / or financial means provided in the IC card) when the predetermined IC card is inserted into the IC card reader after the operation mode of the terminal 1400 is switched to the financial transaction mode. It is desirable to carry out the procedure.

In addition, the authentication processing unit 1465 transmits the authentication information to the financial transaction server in response to authentication information including a password to be authenticated through a second financial institution among one or more passwords input by the customer. Alternatively, the authentication process may be performed in connection with the financial company server of the second financial institution.

The information reading unit 1470 reads the financial means information included in the IC card when the validity of the IC card (and / or the financial means provided in the IC card) is authenticated by the authentication processing unit 1465. The read financial means information is provided to the full text generation unit 1475.

The full text generation unit 1475 generates a predetermined financial means request text including the financial means information read from the IC card through the information reading unit 1470. In addition to the means information, at least one of the financial terminal 1400 address information corresponding to the financial terminal 1400 and / or the financial terminal 1400 ID information and / or the financial terminal 1400 manager (or operator) information. The financial terminal 1400 address information and / or the financial terminal 1400 ID information and / or the financial terminal 1400 manager (or operator) information may be included in the financial terminal 1400. It is desirable to extract from the financial transaction processing information stored in the memory unit 1455.

In addition, the full financial means request is preferably made by the customer further includes the financial transaction request information, including the financial account information, withdrawal request amount information, transaction authentication information of the customer in order to use the financial transaction service. .

The specialized processing unit 1480 transmits the generated financial means request full text to the financial transaction server through the communication unit 1430, and at least one financial account corresponding to the financial means from the financial transaction server. Wait for the financial instrument providing text including the information to be received.

If a financial means providing full text including at least one financial account information corresponding to the financial means is received, the specialized processor 1480 extracts at least one financial account information included in the received financial means providing full text. And an interface screen for selecting a financial account for a predetermined financial transaction among the extracted at least one financial account information through the screen output unit 1415, and through the key input unit 1420. Waiting for a predetermined financial transaction financial account is selected from the at least one financial account included in the interface screen.

If a predetermined financial transaction financial account is selected from among at least one financial account included in the interface screen, the specialized processor 1480 may select a predetermined financial transaction among at least one financial transaction that can be processed through the financial account. An interface screen for selecting a transaction is output through the screen output unit 1415, and a predetermined financial transaction among at least one financial transaction included in the interface screen is selected through the key input unit 1420. Wait for that.

If a predetermined financial transaction is selected among at least one financial transaction included in the interface screen, the specialized processor 1480 outputs the interface screen for inputting at least one financial transaction information corresponding to the selected financial transaction. And output the financial transaction information corresponding to at least one financial transaction information item included in the interface screen through the key input unit 1420 through the key input unit 1420. do.

For example, when the selected financial transaction withdraws a predetermined amount from the financial transaction financial account and transfers it to a predetermined deposit target financial account, the financial transaction information input through the information input unit 1485 is the financial transaction financial. Withdrawal amount information to be withdrawn from the account, the withdrawal account number to which the withdrawal amount is transferred and deposited, the financial account password for the financial transaction, the account transfer password, and a security card corresponding to the financial account for the financial transaction It comprises at least one predetermined security card number of the plurality of security card numbers.

If the financial transaction information input is completed, the specialized processor 1480 provides the financial account information for the financial transaction and the input at least one financial transaction information to the specialized generator 1475.

The full text generation unit 1475 generates a full text financial transaction request message including the financial account information for the financial transaction and the input at least one financial transaction information, and converts the generated full text financial transaction request text into the full text processing unit 1480. To provide.

The specialized processor 1480 may transmit the generated financial transaction request message to the financial transaction server, and may include the financial account information for the financial transaction and the input at least one financial transaction information from the financial transaction server. Wait for a predetermined financial transaction response message including corresponding financial transaction detail information to be received.

If a predetermined financial transaction response message including the financial transaction history information is received, the specialized processor 1480 extracts financial transaction history information included in the received financial transaction response message, and the extracted financial transaction history information. The information is output through the screen output unit 1415.

According to an embodiment of the present invention, the received financial transaction response message may further include at least one recent financial transaction history, in addition to the financial account information for financial transaction and financial transaction history information corresponding to the financial transaction information. In this case, the specialized processor 1480 may further include the received at least one recent financial transaction history through the screen output unit 1415.

In addition, the specialized processing unit 1480 may store the financial transaction history information extracted from the received full financial transaction response message in the memory unit 1455 for a predetermined period of time, whereby various additions such as canceling a previous transaction may be performed. The service can be easily provided.

15 is a diagram illustrating an operation process of the financial terminal 1400 for financial transaction processing using a mediumless transaction mode according to an embodiment of the present invention.

In more detail, Figure 15 illustrates a cash dispenser (CD) and / or an automatic teller machine (ATM) provided at a given financial institution (e.g., a commercial bank branch) and / or public. In the unmanned financial terminal 1400, which illustrates an operation process for processing a financial transaction using a mediumless transaction mode according to the present invention, a person having ordinary knowledge in the art to which the present invention pertains, FIG. By referring to and / or modified to various embodiments of the operation process of the financial terminal 1400 to process the financial transaction using the medium-free transaction mode according to the present invention, the present invention can be inferred all the implementation It includes a method and is not limited by the embodiment method shown in FIG.

Hereinafter, in the present invention, the financial terminal 1400 shown in FIG. 14 is referred to as a “terminal” for convenience, and a financial transaction server to be illustrated below is referred to as a “server” for convenience.

Referring to FIG. 15, the terminal outputs an interface screen for inputting (or selecting) the financial transaction mode through a screen output device provided in the terminal (1500), and the financial transaction mode is displayed through the output interface screen. Check whether the input (or selection) (1505).

If the financial transaction mode input (or selection) is confirmed through the interface screen (1510), the terminal checks whether the request is a medium-free transaction in response to the financial transaction mode input (or selection) (1515).

If the financial transaction mode input (or selected) through the interface screen for inputting (or selecting) the financial transaction mode is not a media-free transaction request (1520), the terminal processes the media-free transaction request to be shown below. Do not perform the operation process.

On the other hand, when the financial transaction mode input (or selected) through the interface screen for inputting (or selecting) the financial transaction mode is a media-free transaction request (1520), the terminal responds to the media-free transaction request. An interface screen for inputting request information and transaction authentication information is generated (or extracted) and output through the screen output device (1525).

Thereafter, the terminal checks whether the financial transaction request information and the transaction authentication information are input (or selected) through the output financial transaction request information and the interface screen for inputting the transaction authentication information (1530).

If the financial transaction request information and transaction authentication information input (or selection) are confirmed through the interface screen for inputting the financial transaction request information and transaction authentication information (1535), the terminal inputs (or selects) The financial transaction request information and the transaction authentication information are transmitted to the server (1540).

Thereafter, the terminal receives a financial transaction processing result corresponding to the financial transaction request information and transaction authentication information transmitted from the server (1545), and displays the received financial transaction processing result on the screen output device provided in the terminal. Output through (1550).

16A and 16B illustrate an operation process of the financial terminal 1400 for financial transaction processing using a mediumless transaction mode according to another exemplary embodiment of the present invention.

More specifically, FIGS. 16A and 16B illustrate a Cash Dispenser (CD) and / or an Automatic Teller Machine (ATM) provided in a predetermined financial institution (eg, a commercial bank branch) and / or a public place. In the unmanned financial terminal 1400 such as), which illustrates an operation process for processing a financial transaction using a mediumless transaction mode according to the present invention, the present invention includes those skilled in the art. By referring to and / or modifying the drawings 16a and 16b, various implementation methods for the operation process of the financial terminal 1400 for processing a financial transaction using the mediumless transaction mode according to the present invention may be inferred. The invention includes all the implementation methods inferred above, and is not limited by the implementation method shown in FIG.

Hereinafter, in the present invention, the financial terminal 1400 shown in FIG. 14 is referred to as a “terminal” for convenience, and a financial transaction server to be illustrated below is referred to as a “server” for convenience.

Referring to FIGS. 16A and 16B, the terminal outputs an interface screen for inputting (or selecting) the financial transaction mode through a screen output device provided in the terminal (1600) and finances through the output interface screen. Check that the transaction mode is entered (or selected) (1605).

If the financial transaction mode input (or selection) is confirmed through the interface screen (1610), the terminal checks whether or not a media-free transaction request in response to the financial transaction mode input (or selection) (1615).

If the financial transaction mode input (or selected) through the interface screen for inputting (or selecting) the financial transaction mode is not a media-free transaction request (1620), the terminal may request a media-free transaction request to be shown below. Do not perform the operation process for processing.

On the other hand, when the financial transaction mode input (or selected) through the interface screen for inputting (or selecting) the financial transaction mode is a media-free transaction request (1620), the terminal responds to the media-free transaction request. An interface screen for inputting request information and transaction authentication information is generated (or extracted) and output through the screen output device (1625).

Thereafter, the terminal checks whether the financial transaction request information and the transaction authentication information are input (or selected) through the output financial transaction request information and the interface screen for inputting the transaction authentication information (1630).

If the financial transaction request information and the transaction authentication information input (or selection) are confirmed through the interface screen for inputting the financial transaction request information and the transaction authentication information (1635), the terminal inputs (or selects) First, the validity of the customer authentication information included in the transaction authentication information is checked (1640).

Here, the customer authentication information is preferably authentication information such as a password set in a financial account (or set in a card connected with the financial account) included in the received financial transaction request information.

If the validity of the authentication information is not first confirmed (1645), the terminal generates (or extracts) validation error information about the customer authentication information (1660), and the generated (or extracted) error. After the information is output through the screen output device (1665), the process is terminated.

On the other hand, when the validity of the authentication information is first confirmed (1645), the terminal secondly confirms the validity of the authentication information to be authenticated through the second financial institution included in the transaction authentication information (1650).

Here, the second financial institution may be the same financial institution as the financial institution that the customer requests a financial transaction.

If the validity of the authentication information is not confirmed second (1655), the terminal generates (or extracts) validation error information about the authentication information to be authenticated through the second financial institution (1660). After outputting the generated (or extracted) error information through the screen output device (1665), the process is terminated.

On the other hand, if the validity of the authentication information is second confirmed (1655), the terminal transmits the financial transaction request information and the transaction authentication information entered (or selected) to the server (1670).

Thereafter, the terminal receives a financial transaction processing result corresponding to the financial transaction request information and transaction authentication information transmitted from the server (1675), and displays the received financial transaction processing result on the screen output device provided in the terminal. Output through (1680).

FIG. 17 is a diagram illustrating a non-face-to-face financial transaction system for providing a financial transaction service without a bankbook or cash card to a customer who uses the automated teller machine according to an embodiment of the present invention.

In more detail, FIG. 17 illustrates a financial account information and a withdrawal request amount for a predetermined customer to provide a financial transaction service without a bankbook or cash card to a customer who uses the automated teller machine as a financial transaction system through a predetermined financial transaction interface. When the financial transaction request information including at least one information and transaction authentication information is provided, the financial transaction system uses the financial account information, withdrawal request amount information, and transaction authentication information included in the provided financial transaction request information. As a configuration of a system for providing a financial transaction for providing a financial transaction service without a bankbook or a cash card to a customer who uses the automated teller machine, the person having ordinary knowledge in the technical field to which the present invention belongs, Reference and / or modifications to the financial Various implementation methods for constructing a financial transaction system for providing a financial transaction service without a bankbook or a cash card can be inferred to the customer, but the present invention includes all the implementation methods inferred above, and is illustrated in FIG. It is not limited only to the implementation method.

Hereinafter, a financial transaction service is provided without a bankbook or cash card to a customer using the automated teller machine using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 17. Components corresponding to at least one or more means and / or functional configurations for providing financial transactions for the sake of convenience are referred to as " financial transaction server 1700 " The financial transaction server 1700 may include 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. 17 according to an embodiment of the present invention, a financial transaction system for providing a financial transaction service without a bankbook or a cash card for a customer using the automated teller machine is a wired terminal and / or a wireless terminal used by the customer. A financial transaction terminal including at least one or more financial terminals 1755 or the like, network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal is connected, and the network means. A financial transaction server (1700) and a financial account opening system shown in the drawings, which are connected to a financial transaction terminal and process a financial transaction for providing a financial transaction service without a bankbook or a cash card for a customer who uses the automated teller machine; The financial account opened through the financial system including the opened It characterized.

The financial system processing at least one financial transaction service through the financial account opened through the financial account opening system shown in the drawings in connection with the financial transaction server 1700 may be a branch of the financial institution (and // Or at least one window terminal provided at a branch) and a predetermined financial network (eg, a branch network), and face-to-face financial transaction services to at least one financial transaction customer through the window terminal. To provide.

Further, the financial system may include at least one financial terminal 1755 including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution. At least one financial terminal 1755 provided at an affiliated at least one other financial institution (and / or other financial institution branch), and / or at least one financial terminal 1755 provided at a public location and predetermined financing It is characterized in that connected via a network (for example, CD common network), through the financial terminal 1755 provides 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 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 financial terminal 1755 (eg, a personal computer 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, etc. And / or provide a non-face-to-face financial transaction service to at least one or more financial transaction customers through a laptop, the wireless LAN / portable internet connection and browsing function, and / or the like.

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. 17, 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) required for each function in a component in the financial system. And a database management system (DBMS) including at least one database for storing and managing management information.

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

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

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

According to an exemplary embodiment of the present invention, the customer may contact the financial transaction server 1700 through at least one financial terminal 1755 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Access the financial transaction server 1700 and input (or select) financial transaction request information for providing a financial transaction service to a customer using the automatic teller machine without a bankbook or cash card through at least one user interface provided by the financial transaction server 1700. ), The financial terminal 1755 preferably transmits through the predetermined network means to the financial transaction server 1700 provided on the financial transaction system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and 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 1700 connected to the financial terminal 1755 may be an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV according to the characteristics of the financial terminal 1755 and the network means. Any one of the banking server, and / or preferably comprises a separate web server for the information registration.

The network means for connecting the financial terminal 1755 and the financial transaction server 1700 may be a CDMA-based mobile communication network and / or an HSDPA-based wireless communication network according to the type of wireless communication network to which the financial terminal 1755 is connected. Or any one of IEEE 802.16x based portable Internet and / or DataTAC / Mobitex based wireless data communication network, and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval. .

In addition, the financial terminal 1755 outputs at least one or more user interfaces provided by the financial transaction server 1700, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 1700. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and a communication function communicating with the financial transaction server 1700, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the features of the financial terminal 1755 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

In the financial transaction system as described above, a financial terminal 1755 including at least one wired terminal and / or a wireless terminal used by the customer is connected to the financial terminal 1755 and the financial transaction server 1700. At least one wired and / or wireless communication network performs a function of a financial transaction interface for registering the financial transaction request information for providing a financial transaction service without a bankbook or cash card to the customer using the automated teller machine. Do.

According to another exemplary embodiment of the present invention, the financial transaction terminal 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 financial terminal 1755. 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 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automated device (not shown), and the financial transaction server 1700. The financial network connecting the to perform a function of the financial transaction interface for registering the financial transaction request information for providing the financial transaction service to the customer using the automated teller machine without a passbook or cash card, and / or When the financial transaction terminal 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 1700 may be used. Clients use the financial transaction request information to provide financial transaction services to customers who use the automated teller machine without a bankbook or cash card. The terminal (and / or server) (not shown) that performs a function of a financial transaction interface for registering and / or is provided at an institution affiliated with the financial institution that is the financial transaction terminal (not shown). A network connecting a server) (not shown) and the terminal (and / or server) (not shown) and the financial transaction server 1700 may be used by the customer without a bankbook or cash card. Functions as a financial transaction interface for registering financial transaction request information to provide financial transaction services.

The financial transaction server 1700 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 through a predetermined network means, and includes at least one server (or device). ) And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the financial transaction terminal is a financial terminal 1755 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 1700. 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 is limited. It does.

According to another embodiment of the present invention, when the financial transaction terminal is a financial terminal 1755 including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 1700 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 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 1700 is connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server), and / or a program provided in the telebanking server, and / or accessing the external system of the financial system through the telebanking system Any server (or device) possible, a program provided on the server (or device), and / or an external system on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system, whereby the present invention is not limited. You are good.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 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 transaction server 1700 is the TV banking system. A predetermined TV banking server provided on, and / or a program provided on the TV banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system. 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 TV banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

The financial transaction request information transmitted from the financial transaction terminal for providing a financial transaction service to the financial transaction server 1700 without a bankbook or a cash card for a customer who uses the automated teller machine is predetermined financial account information and withdrawal. And at least one request amount information and transaction authentication information.

The financial account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in the drawings, according to the intention of the skilled person Customer information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the financial account), financial institution information (eg, bank name, or bank code), branch information (eg, branch code), At least one contact person information (for example, the name of the person in charge of opening and in charge of the financial account, a contact person code, etc.) may be further included.

The withdrawal request amount information includes a financial transaction amount withdrawn from the financial account for providing a financial transaction service without a bankbook or cash card for a customer using the automated teller machine, and the withdrawal request amount is Characterized in that the balance does not exceed the balance deposited in the financial account.

The transaction authentication information is a confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a financial transaction service without a bankbook or cash card for the customer using the automated teller machine. Information for securing at least one or more of a), a password corresponding to the financial account, or a password corresponding to the financial transaction, and a financial statement for a customer who uses the automated teller machine without a bankbook or cash card. In order to use the transaction service, the customer is characterized in that it comprises at least one or more passwords to confirm through a second registered financial institution.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine. Authentication information further comprises at least one or more security code information provided on the security card provided to the customer during the opening of the financial account, and / or OTP generated through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise a cord.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine. The authentication information may include at least one official certificate information included in the financial transaction terminal (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal), or at least one 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.

According to an embodiment of the present invention, the financial transaction server 1700 is provided with an interface unit 1705 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal through the network means. It features.

According to an embodiment of the present invention, when the financial transaction terminal is a financial terminal 1755 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 1705 is By connecting a predetermined communication channel with the financial terminal 1755 based on the protocol stack defined in the wired and / or wireless communication network, and using a communication protocol defined in the communication program provided in the financial terminal 1755 It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the financial terminal 1755 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1705 may be connected to the financial terminal 1755 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the financial terminal 1755 is provided with a communication program (for example, an internet banking program) provided by the financial transaction server 1700, the interface unit 1705 is based on the TCP / IP protocol. It connects a communication channel with the terminal 1755 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 is a financial automation device connected to a predetermined financial network, the interface unit 1705 may be configured to perform the operation with the financial automation device based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal is a financial terminal 1755 including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1705 includes a protocol stack defined in the wireless communication network. A communication interface for connecting at least one communication channel with the financial terminal 1755 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the financial terminal 1755. It is preferable to provide.

For example, when the financial terminal 1755 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1705 is based on the CDMA protocol. (1755) and a communication channel, and using the WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Alternatively, when the financial terminal 1755 is provided with a communication program (for example, an IC chip-based banking program) provided by the financial transaction server 1700, the interface unit 1705 is based on the CDMA protocol. It connects a communication channel with the financial terminal 1755 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 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1705 is connected to the wired telephone network and / or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on a defined voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1705 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 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1705 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 17, the financial transaction server 1700 may be configured such that a predetermined financial transaction terminal connects a communication channel with the financial transaction server 1700 through the interface unit 1705, and / or through the communication channel. When a financial transaction for a financial transaction service is provided to a customer who uses the automatic teller machine without a bankbook or a cash card, the financial transaction terminal inputs predetermined financial transaction request information in connection with the interface unit 1705 ( Or an interface providing unit 1710 (or an interface providing means) for generating (or extracting) a predetermined user interface to transmit to the financial transaction terminal. When the predetermined terminal-side banking program including the user interface is provided in the, the interface is provided 1710 is preferably omitted.

The interface providing unit 1710 connects a communication channel with the financial transaction server 1700 through the interface unit 1705 and then corresponds to the functional configuration provided in the financial transaction terminal. Generate a predetermined user interface capable of inputting (or selecting) financial transaction request information to the financial transaction server 1700 via the network means, and / or extracting from a predetermined database (not shown), and The generated (or extracted) user interface in conjunction with the interface unit 1705 may be provided to the financial transaction terminal through the network means.

According to an embodiment of the present invention, when the financial transaction terminal is a financial automatic device connected to a predetermined financial network, the interface providing unit 1710 may provide a predetermined user that can be provided by a financial transaction related program included in the financial automatic device. It is preferable to generate (or extract) an interface and provide the generated (or extracted) user interface to the ATM using the interface unit 1705.

According to another exemplary embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal and transmitting the financial transaction request information to the financial transaction server 1700 through the network means. When the terminal-side banking program is provided, the interface providing unit 1710 for providing the user interface to the financial transaction terminal may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one or more financial account information, withdrawal request amount information, and transaction authentication information to the financial transaction server 1700. It is preferable to include an interface function to make.

Referring to FIG. 17, the financial transaction server 1700 inputs financial transaction request information including at least one of financial account information, withdrawal request amount information, and transaction authentication information through the user interface at the financial transaction terminal (or And the information receiving unit 1715 (or information) for receiving the financial transaction request information including at least one of the financial account information, the withdrawal request amount information, and the transaction authentication information in association with the interface unit 1705. Receiving means) and a validating unit 1725 (or validating means) for checking the validity of the financial account information, withdrawal request amount information, and transaction authentication information included in the received financial transaction request information. It is characterized by.

The financial transaction terminal inputs (or selects) financial transaction request information including at least one of the financial account information, the withdrawal request amount information, and the transaction authentication information through the user interface, and transmits the financial transaction server through the network means. 1700).

The information receiving unit 1715 inputs (or selects) financial transaction request information including at least one of financial account information, withdrawal request amount information, and transaction authentication information through the user interface at the financial transaction terminal to provide the network means. When the transmission is performed, the financial transaction request information is received in connection with the interface unit 1705, and the received financial transaction request information is provided to the validity verification unit 1725.

The financial account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in the drawings, according to the intention of the skilled person Customer information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the financial account), financial institution information (eg, bank name, or bank code), branch information (eg, branch code), At least one contact person information (for example, the name of the person in charge of opening and in charge of the financial account, a contact person code, etc.) may be further included.

The withdrawal request amount information includes a financial transaction amount withdrawn from the financial account for providing a financial transaction service without a bankbook or cash card for a customer using the automated teller machine, and the withdrawal request amount is Characterized in that the balance does not exceed the balance deposited in the financial account.

The transaction authentication information is a confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a financial transaction service without a bankbook or cash card for the customer using the automated teller machine. Information for securing at least one or more of a), a password corresponding to the financial account, or a password corresponding to the financial transaction, and a financial statement for a customer who uses the automated teller machine without a bankbook or cash card. In order to use the transaction service, the customer is characterized in that it comprises at least one or more passwords to confirm through a second registered financial institution.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine. The authentication information further comprises 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 opening of the financial account, and / or the It is preferable to further include an OTP code generated through the One Tome Password (OTP) generator provided to the customer.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine. The authentication information may include at least one official certificate information included in the financial transaction terminal (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal), or at least one 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 validity confirming unit 1725 checks whether the financial transaction request information received from the financial transaction terminal satisfies the validity for providing a financial transaction service without a bankbook or a cash card for a customer who uses the automated teller machine.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. And checking whether the customer ledger corresponding to the financial account is provided. When the account ledger (or the customer ledger corresponding to the financial account) is provided, the validity of the financial transaction request information is authenticated. It is desirable to be.

In addition, the validity check of the financial transaction request information includes an amount deposited in the financial account (for example, an account ledger provided in the ledger D / B on the financial system corresponding to the financial account) in the financial transaction request information. It is preferable to include whether the amount is greater than the withdrawal request amount, and if the financial account balance is greater than the withdrawal request amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is provided on the account ledger provided in the general ledger D / B on the financial system in response to the various financial codes and the financial account corresponding to the transaction authentication information included in the financial transaction request information. And comparing the various passwords (or associated) with each other, and confirming whether the various passwords corresponding to the transaction authentication information match. If the various passwords corresponding to the transaction authentication information match, the financial transaction request is performed. It is desirable that the validity of the information be authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 17, when the transaction authentication information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. The security code corresponding to the transaction authentication information is compared with the security code information corresponding to the security card included on (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the financial account. It is preferable to include a check whether a match is made, 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. 17, the financial transaction request information includes a predetermined encryption key (eg, an encryption key provided in a financial transaction terminal, or an authorized certificate issued to a customer). When encrypted through an encryption key), 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), and the decryption is normally performed. It is preferable to include whether it is 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. 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.

Referring to FIG. 14, when the customer requests a media-free financial transaction, the financial transaction server 1700 may include an information verification unit for confirming information of a second financial institution previously set by the customer and media information for authentication use ( 1730 (or information confirmation means) characterized in that it comprises a.

According to an embodiment of the present invention, the second financial institution information and the verification target medium information for the customer who requested the media-free financial transaction may correspond to the financial account included in the received financial transaction request information. It is preferable to confirm the second financial institution information and the information on the subject of authentication use among various kinds of information (or linked) on the account ledger provided in the ledger D / B on the system.

According to another exemplary embodiment of the present invention, the second financial institution information and the verification target medium information regarding the customer who requested the media-free financial transaction may correspond to the financial account included in the received financial transaction request information. It is preferable to check the information of the second financial institution and the target medium information for authentication through a customer ledger connected to the account ledger provided in the ledger D / B on the financial system.

Referring to FIG. 14, the financial transaction server 1700 may use the authentication target medium used by the customer through the second financial institution through the second financial institution on the transaction authentication information included in the received financial transaction request information. Use of the authentication specified by the customer in association with the information confirmation unit 1730 (or information confirmation means) for confirming authentication information such as a password for the information, and the financial company server 1750 of the second financial institution designated by the customer. And an authentication processing unit 1735 (or authentication processing means) for confirming the validity of the verified authentication information through the target medium.

The information checking unit 1730 corresponds to the financial transaction request information received through the financial transaction terminal, the medium-free transaction of the customer through a second financial institution of the password on the transaction authentication information included in the financial transaction request information Characterized by confirming the authentication information for authentication, the confirmed authentication information is provided to the authentication processing unit (1735).

When the authentication information for the authentication target medium is confirmed through the second financial institution among the information included in the received financial transaction request information through the information checking unit 1730, the authentication processing unit 1735 is connected to the authentication information. Correspondingly, through the financial company server 1750 of the second financial institution designated by the customer, the validity of the authentication information may be checked through the authentication information on the authentication use countermeasure medium designated by the customer.

According to the method of the present invention, the validity of the authentication information for the authentication target medium through the second financial institution of the information included in the received financial transaction request information, the authentication information and the customer specified The authentication target medium information is transmitted to the financial institution server 1750 of the second financial institution designated by the customer connected to the financial transaction server 1700 through a communication network, thereby authenticating the transaction authentication information included in the financial transaction request information. After requesting validation of the information, it is preferable to receive a validation result of the authentication information from the financial institution server 1750.

According to another exemplary embodiment of the present invention, the validity of the authentication information on the authentication target medium through the second financial institution among the information included in the received financial transaction request information may be determined by the second financial institution previously designated by the customer. Transmits the authentication target medium information designated by the customer to the financial company server 1750 of the customer, receives the authentication information on the authentication target medium, and then authenticates the authentication information on the received target medium and the financial transaction. It is preferable to check the validity of the authentication information by checking whether the authentication information on the transaction authentication information included in the request information is matched.

Referring to FIG. 14, the financial transaction server 1700 includes a withdrawal request amount included in the received financial transaction request information, and a limit amount specified by the customer when using the media-free financial transaction service (or media-free finance at the financial institution). The customer information checking unit 1730 (or information checking means) for comparing and checking a limit amount withdrawable through the transaction, and when the withdrawal request amount included in the financial transaction request information exceeds the limit amount, the customer The predetermined second authentication means is provided with an authentication processing unit 1735 (or authentication processing means) for requesting authentication in order to process the withdrawal of the withdrawal request amount.

The information checking unit 1730 is a withdrawal request amount included in the received financial transaction request information, and the limit amount specified by the customer when using the medialess financial transaction service (or the limit that the financial institution can withdraw through medialess financial transactions). The amount of money).

According to the implementation method of the present invention, the withdrawal request amount included in the financial transaction request information and the limit amount comparison, if the withdrawal request amount requested by the customer is more than the limit amount specified by the customer, the authentication processing unit 1735 It is preferable to request authentication for the withdrawal amount through.

In addition, the withdrawal request amount included in the financial transaction request information and the limit amount comparison, if the withdrawal request amount requested by the customer is less than the limit amount specified by the customer, the financial transaction via the financial transaction server 1700 It is desirable to process the request.

If the withdrawal request amount requested by the customer is greater than or equal to the limit specified by the customer when using the medialess financial transaction service (or the amount that can be withdrawn through the median financial transaction at the financial institution), the approval processing unit 1740 may request that the customer It is characterized by requesting for approval whether the withdrawal request amount is processed through the second authentication means.

According to the implementation method of the present invention, the approval processing unit 1740, the withdrawal request amount included in the financial transaction request information is the limit amount specified by the customer when using the media-free financial transaction service (or the media-free financial transaction in the financial institution) If the amount of the withdrawal through a) or more), the withdrawal request amount and the information for requesting approval to the second authentication means of the customer, it is preferable to receive the approval from the customer.

Referring to FIG. 17, the financial transaction server 1700 is a financial transaction service without a bankbook or cash card for a customer who uses the automated teller machine on the basis of the financial transaction request information that is validated in connection with the financial system. A financial transaction service without a bankbook or cash card for customers who use the automated teller machine in connection with the financial transaction processing unit 1745 (or financial transaction processing means) and the financial transaction processing unit 1745 that processes the financial transaction for provision. An information transmitter 1720 (or an information transmission means) for generating predetermined financial transaction result information for a financial transaction for provision and transmitting the financial transaction result information to the financial transaction terminal in association with the interface unit 1705. It is characterized by comprising a).

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 1745 is connected with a financial system equipped with an account ledger corresponding to the financial account, and the financial account information and the withdrawal request included in the financial transaction request information. On the basis of the amount information and transaction authentication information for the customer using the automated teller machine characterized in that the financial transaction for providing a financial transaction service without a bankbook or cash card is characterized in that the processing.

According to the method of the present invention, the financial transaction processing unit 1745 withdraws the amount corresponding to the withdrawal request amount information from the account ledger corresponding to the financial account information included in the financial transaction request information in connection with the financial system. Processing is preferably performed at the request of a customer visiting the branch (or branch) window of the financial institution.

When a financial transaction for providing a financial transaction service without a bankbook or cash card is processed by the financial transaction processing unit 1745 to a customer who uses the automated teller machine, the information transmission unit 1720 is the financial transaction processing unit 1745. In connection with the financial transaction processing history including any one of the financial transaction approval history or financial transaction error history for the financial transaction to provide financial transaction services without a bankbook or cash card for customers using the automated teller machine, In connection with the interface unit 1705, the financial transaction result information including the financial transaction processing history is transmitted to the financial transaction terminal through the network means.

Here, the financial transaction processing history is characterized in that it comprises the financial account information and withdrawal request amount information, characterized in that it further comprises an approval code (or error code) for the financial transaction.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal through the network means. The financial transaction result information may include the financial transaction request information. It is preferably similarly encrypted or transmitted to the financial transaction terminal with the electronic signature of the financial institution attached.

18 illustrates a general ledger corresponding to a financial account provided in a financial system for a non-face-to-face financial transaction for providing a financial transaction service without a bankbook or cash card for a customer who uses the automated teller machine according to an embodiment of the present invention. Figure is a diagram.

In more detail, FIG. 18 illustrates an account ledger corresponding to the financial account opened through the financial account opening system shown in the drawings in the ledger D / B 1800 provided in the DBMS on the financial system shown in FIG. 17. As shown in FIG. 18, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify this drawing 18 without a bankbook or cash card for a customer who uses the automated teller machine. Various implementation methods for the configuration of the ledger corresponding to the financial account provided in the financial system for providing a financial transaction service may be inferred. However, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited only to the implementation method.

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 1800 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 Ledger D / B (1800) is provided with at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or the ledgers in addition to the customer ledger and account ledger shown in Figure 18 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 financial account for providing a financial transaction service without a bankbook or cash card for a customer who uses the automated teller machine, and includes a customer information file (CIF) number, a country code, Contact person ID, branch number, customer classification, customer name, customer address, area code, telephone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, name, social security number, company Address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The account ledger is a ledger corresponding to the financial account for providing a financial transaction service without a bankbook or a cash card to a customer who uses the automated teller machine, and is linked relationally with the customer ledger, including an account number, a CIF number, and an account number. , Currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bank number, non-current interest, time extension, time extension amount, ARS setting, final deposit date, The final withdrawal date, the final deposit amount, the final withdrawal amount, the number of unpaid transactions, interest rate system account, flat consolidation, the final payment interest, the final payment transaction number, reference to individual interest rates, and the date of final interest calculation, etc. Periodic received information including at least one or more of the account number corresponding to the ledger, abstention (months), period (days), period extension, expiration date and target amount, and / or the account source Trust receipt information including at least one or more of an account number, a trust amount, a par value, an annuity date and the number of shares corresponding to the chapter, and / or an account number, a transaction number, a date, a store number, a product type, a transaction corresponding to the account ledger. It includes transaction history information including at least one of a kind, cash amount, RBI, batch number, compound transaction, date of payment, bank account line, summary, and CIF.

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

Referring to FIG. 15, the media-free financial transaction application information provided through the media-free financial transaction information registration system shown in FIG. 1 or 8 may be stored in the form of additional information added to the account ledger. The media-free financial transaction application information may include at least one of customer information, second financial institution information, authentication target medium information, limit amount information, and second authentication means information.

The second financial institution information is provided to the customer when the customer requests a financial transaction through the financial institution (ie, A financial institution) without having a bankbook or a card for a financial transaction issued to the customer. To authenticate, in addition to the financial institution A, the financial institution name, address, telephone number, representative name, business registration number, corporate registration number, branch (or It is preferable to include at least one name or the like), and according to the intention and purpose of those skilled in the art, A financial institution and B financial institution may be the same financial institution, or may be a plurality of financial institutions.

The authentication use medium information is the financial institution to authenticate the customer when the customer requests a financial transaction through the financial institution without having a bankbook or a card for a financial transaction issued to the customer. In addition to the bankbook issued through the bank, the card number, expiration date, card name, issue date, expiration date, etc. of the card received by joining as a financial transaction customer of another financial institution through another financial institution, or Or, it is preferable to include at least one or more bankbook number, passbook issuance date, passbook alias, etc., and may be a plurality of the medium to be used for authentication, depending on the intention and purpose of those skilled in the art.

The limit amount information is the amount information that can be traded through the media-free financial transaction when the customer wants to use the withdrawal (or transfer) through the media-free financial transaction when using the media-free financial transaction service through the financial institution. It is preferable to comprise a.

The second authentication means information is a second authentication means possessed by the customer for the authentication process for the medium-free financial transaction when the customer uses a median financial transaction service through the financial institution more than the limit amount It is preferable to include information on, and the authentication means preferably comprises a communication means information for a wireless terminal or a wired terminal possessed by the customer.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who prepared the media-free financial transaction application, and the member information of the customer (for example, the customer). Member ID information or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the media-free financial transaction information registration system in response to the customer by subscribing as the financial transaction customer of the financial institution. (Number) and the like).

According to another embodiment of the present invention, the medium-free financial transaction application information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, the customer ledger). It can be stored in the form of additional information added to and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limited to the present invention.

19 is a financial statement without a bankbook or cash card for a customer who uses the automated teller machine in a non-face-to-face manner to provide a financial transaction service without a bankbook or cash card to a customer who uses the automated teller machine according to an embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for providing a transaction service.

More specifically, FIG. 19 shows a case in which the financial transaction server 1700 on the financial transaction system shown in FIG. 17 has a non-face-to-face banking server function to which the financial terminal 1755 can be connected through a predetermined network means. After the financial terminal 1755 connects to the financial transaction server 1700 to connect a communication channel for the financial transaction, the financial account information and the withdrawal request amount to the financial transaction server 1700 through the communication channel. When the financial transaction request information including information and transaction authentication information is transmitted, the financial transaction server 1700 uses the financial account information, withdrawal request amount information, and transaction authentication information included in the received financial transaction request information. A method for providing a financial transaction for providing a financial transaction service without a bankbook or cash card to a customer who uses the automated teller machine As one of ordinary skill in the art to which the present invention pertains, a financial transaction service without a bankbook or a cash card is provided to a customer who uses the automated teller machine in the non-face-to-face manner by referring to and / or modifying the drawing 19. Various implementation methods for the process of processing the financial transaction for can 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. 19, the financial terminal 1755 shown in FIG. 17 is called "terminal" for convenience, and the financial transaction server 1700 shown in FIG. 17 is called "server" for convenience.

Referring to FIG. 19, the terminal shown in FIG. 17 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 / Or HSDPA-based wireless communication network, and / or IEEE 802.16x-based portable Internet, etc.) to request the financial transaction to provide financial transaction services to customers using the automated teller machine without a bankbook or cash card to access the server In operation 1900, the server may include at least one financial account information, a withdrawal request amount information, and transaction authentication information for providing a financial transaction service without a bankbook or cash card for a customer using the automated teller machine. Create (or extract) a web page that includes a user interface for entering (or selecting) financial transaction request information And outputs and transmits it to the terminal group through the communication channel (1905).

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 financial account information, the withdrawal request amount information, and the transaction authentication information through the user interface (1910).

If the financial transaction request information including the financial account information, the withdrawal request amount information and the transaction authentication information is input (or selected) through the user interface (1915), the terminal inputs the information through the communication channel. (Or selected) the financial account information, withdrawal request amount information and transaction authentication information are transmitted to the server (1920), and the financial account information and withdrawal request amount information inputted (or selected) through the communication channel in the terminal; And transmitting the transaction authentication information to the server, digitally signing and / or encrypting the financial transaction request information input (or selected) through the user interface through a security module (not shown) provided in the terminal. It is preferable that the transmission further comprises.

Here, the financial account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in the drawings, and intended by those skilled in the art Customer information (e.g., account holder name, customer information file (CIF) number corresponding to the financial account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code) ), The contact person information (eg, the name of the person in charge of opening and in charge of the financial account, a person in charge code, etc.) may be further included.

The withdrawal request amount information includes a financial transaction amount withdrawn from the financial account for providing a financial transaction service without a bankbook or cash card for a customer using the automated teller machine, and the withdrawal request amount is Characterized in that the balance does not exceed the balance deposited in the financial account.

The transaction authentication information is a confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a financial transaction service without a bankbook or cash card for the customer using the automated teller machine. Information for securing at least one or more of a), a password corresponding to the financial account, or a password corresponding to the financial transaction, and a financial statement for a customer who uses the automated teller machine without a bankbook or cash card. In order to use the transaction service, the customer is characterized in that it comprises at least one or more passwords to confirm through a second registered financial institution.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine. Authentication information further comprises at least one or more security code information provided on the security card provided to the customer during the opening of the financial account, and / or OTP generated through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise a cord.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a passbook or cash card is made to a customer who uses the automated teller machine. The transaction authentication information is at least one included in the official certificate information provided in the financial transaction terminal (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal), or at least one included in the authorized 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.

Thereafter, the server receives and reads the financial transaction request information including at least one of the financial account information, the withdrawal request amount information, and the transaction authentication information through the communication channel to confirm the validity of the financial transaction request information; 1925) Checking the validity of the financial transaction request information, if the financial transaction request information is electronic signature and / or encrypted through a security module (not shown) provided in the terminal, the financial transaction request information And decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for a financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B 1800 on the financial system. (Or checking whether the customer ledger corresponding to the financial account) is provided, and when the account ledger (or the customer ledger corresponding to the financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity of the financial transaction request information is the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the financial account) the financial transaction request It is preferable to include checking whether the withdrawal request amount included in the information is greater than, and when the balance of the financial account is greater than the withdrawal request amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is an account provided in the ledger D / B (1800) on the financial system corresponding to the various passwords and the financial account corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or linked) on the ledger, and confirming whether the various passwords corresponding to the transaction authentication information match. If 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. 17, when the transaction authentication information further includes predetermined security code information, the validity check on 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 on (or associated with) the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the 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. 17, the financial transaction request information includes a predetermined encryption key (eg, an encryption key provided in a financial transaction terminal, or an authorized certificate issued to a customer). When encrypted through an encryption key), 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), and the decryption is normally performed. It is preferable that the verification is 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. 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 (1930), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1935), and the communication channel. In operation 1955, the financial transaction result information including the financial transaction processing history is transmitted to the terminal. The terminal outputs the financial transaction result including the financial transaction processing history (1960).

On the other hand, if the validity of the financial transaction request information is authenticated (1930), the server is linked with a financial system equipped with an account ledger corresponding to the financial account, the financial account information and withdrawal request amount included in the financial transaction request information. On the basis of the information and transaction authentication information, a financial transaction for providing a financial transaction service without a bankbook or a cash card is processed for a customer who uses the automated teller machine (1940).

According to the method of the present invention, the financial transaction processing unit 1745 withdraws the amount corresponding to the withdrawal request amount information from the account ledger corresponding to the financial account information included in the financial transaction request information in connection with the financial system. Processing is preferably performed at the request of a customer visiting the branch (or branch) window of the financial institution.

If a financial transaction corresponding to the financial transaction request information is processed (1945), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1950, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel, and in response thereto, the terminal transmits the financial transaction result including the financial transaction processing history. Screen output (1960).

20 is a non-facebook method for providing a financial transaction service without a bankbook or cash card to a customer using the automated teller machine according to another embodiment of the present invention without a passbook or cash card. A diagram illustrating a process of processing a financial transaction for providing a financial transaction service.

In more detail, FIG. 20 illustrates a case where the financial transaction server 1700 on the financial transaction system illustrated in FIG. 17 has a non-face-to-face banking server function to which the financial terminal 1755 can be connected through a predetermined network means. After the financial terminal 1755 connects to the financial transaction server 1700 to connect a communication channel for the financial transaction, the financial account information and the withdrawal request amount to the financial transaction server 1700 through the communication channel. When the financial transaction request information including information and transaction authentication information is transmitted, the financial transaction server 1700 uses the financial account information, withdrawal request amount information, and transaction authentication information included in the received financial transaction request information. A method for providing a financial transaction for providing a financial transaction service without a bankbook or cash card to a customer who uses the automated teller machine As a person of ordinary skill in the art to which the present invention pertains, a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine in the non-face-to-face manner by referring to and / or modifying the drawing 20. Various implementation methods for the process of processing a financial transaction for 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. 20, the financial terminal 1755 shown in FIG. 17 is referred to as a "terminal" for convenience, and the financial transaction server 1700 shown in FIG. 17 is referred to as a "server" for convenience.

Referring to FIG. 20, the terminal shown in FIG. 17 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 / Or HSDPA-based wireless communication network, and / or IEEE 802.16x-based portable Internet, etc.) to request the financial transaction to provide financial transaction services to customers using the automated teller machine without a bankbook or cash card to access the server In response to the 2000a, the server includes at least one financial account information, a withdrawal request amount information, and transaction authentication information for providing a financial transaction service without a bankbook or cash card for a customer using the automated teller machine. Create (or extract) a web page that includes a user interface for entering (or selecting) financial transaction request information And outputs the transmission to the mobile station via the communication channel group (2005a).

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 financial account information, the withdrawal request amount information, and the transaction authentication information through the user interface (2010a).

If the financial transaction request information including the financial account information, the withdrawal request amount information and the transaction authentication information is input (or selected) through the user interface (2015a), the terminal inputs the information through the communication channel. (Or selected) the financial account information, the withdrawal request amount information and the transaction authentication information are transmitted to the server (2020a), and the financial account information and the withdrawal request amount information input (or selected) through the communication channel in the terminal. And transmitting the transaction authentication information to the server, digitally signing and / or encrypting the financial transaction request information input (or selected) through the user interface through a security module (not shown) provided in the terminal. It is preferable that the transmission further comprises.

Here, the financial account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the financial account opening system shown in the drawings, and intended by those skilled in the art Customer information (e.g., account holder name, customer information file (CIF) number corresponding to the financial account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g., branch code) ), The contact person information (eg, the name of the person in charge of opening and in charge of the financial account, a person in charge code, etc.) may be further included.

The withdrawal request amount information includes a financial transaction amount withdrawn from the financial account for providing a financial transaction service without a bankbook or cash card for a customer using the automated teller machine, and the withdrawal request amount is Characterized in that the balance does not exceed the balance deposited in the financial account.

The transaction authentication information is a confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a financial transaction service without a bankbook or cash card for the customer using the automated teller machine. Information for securing at least one or more of a), a password corresponding to the financial account, or a password corresponding to the financial transaction, and a financial statement for a customer who uses the automated teller machine without a bankbook or cash card. In order to use the transaction service, the customer is characterized in that it comprises at least one or more passwords to confirm through a second registered financial institution.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine. Authentication information further comprises at least one or more security code information provided on the security card provided to the customer during the opening of the financial account, and / or OTP generated through the One Tome Password (OTP) generator provided to the customer It is preferable to further comprise a cord.

In addition, due to the characteristics of the financial transaction system shown in FIG. 17, the financial transaction for providing a financial transaction service without a bankbook or cash card is provided to a customer who uses the automated teller machine. The authentication information may include at least one official certificate information included in the financial transaction terminal (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal), or at least one 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.

Thereafter, the server receives and reads the financial transaction request information including at least one of the financial account information, the withdrawal request amount information, and the transaction authentication information through the communication channel to confirm the validity of the financial transaction request information; 2025a), confirming the validity of the financial transaction request information, if the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the financial transaction request information. Preferably, the method further includes decoding and / or decoding the financial transaction request information.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for a financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B 1800 on the financial system. (Or checking whether the customer ledger corresponding to the financial account) is provided, and when the account ledger (or the customer ledger corresponding to the financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity of the financial transaction request information is the amount deposited in the financial account (for example, the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the financial account) the financial transaction request It is preferable to include checking whether the withdrawal request amount included in the information is greater than, and when the balance of the financial account is greater than the withdrawal request amount, the validity of the financial transaction request information is preferably authenticated.

In addition, the validity check of the financial transaction request information is an account provided in the ledger D / B (1800) on the financial system corresponding to the various passwords and the financial account corresponding to the transaction authentication information included in the financial transaction request information And comparing the various passwords (or linked) on the ledger, and checking whether 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. 17, when the transaction authentication information further includes predetermined security code information, the validity check on 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 on (or associated with) the account ledger provided in the ledger D / B 1800 on the financial system corresponding to the financial account. It is preferable to include whether the security code information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is 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 if 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. 17, the financial transaction request information includes a predetermined encryption key (eg, an encryption key provided in a financial transaction terminal, or an authorized certificate issued to a customer). When encrypted through an encryption key), 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), and the decryption is normally performed. It is preferable that the verification is 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. 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 (2030a), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (2025b), and the financial network The financial transaction result information including the financial transaction processing history is transmitted to the terminal through 2045b. In response, the terminal outputs the financial transaction processing result including the financial transaction processing history (2050b).

On the other hand, if the validity of the financial transaction request information is authenticated (2025a), the server checks the validity through the financial company server 1750 provided in the second financial institution in response to the received financial transaction request information (2035a). .

According to an embodiment of the present invention, the second financial institution information and the verification target medium information for the customer who requested the media-free financial transaction may correspond to the financial account included in the received financial transaction request information. It is preferable to confirm the second financial institution information and the authentication target medium information among the various information (or linked) on the account ledger provided in the ledger D / B 1800 on the system.

According to another exemplary embodiment of the present invention, the second financial institution information and the verification target medium information regarding the customer who requested the media-free financial transaction may correspond to the financial account included in the received financial transaction request information. Preferably, the second financial institution information and the authentication target medium information are identified through the customer ledger connected to the account ledger provided in the ledger D / B 1800 on the financial system.

According to the method of the present invention, the validity of the authentication information for the authentication target medium through the second financial institution of the information included in the received financial transaction request information, the authentication information and the customer specified The authentication target medium information is transmitted to the financial institution server 1750 of the second financial institution designated by the customer connected to the financial transaction server 1700 through a communication network, thereby authenticating the transaction authentication information included in the financial transaction request information. After requesting validation of the information, it is preferable to receive a validation result of the authentication information from the financial institution server 1750.

According to another exemplary embodiment of the present invention, the validity of the authentication information on the authentication target medium through the second financial institution among the information included in the received financial transaction request information may be determined by the second financial institution previously designated by the customer. Transmits the authentication target medium information designated by the customer to the financial company server 1750 of the customer, receives the authentication information on the authentication target medium, and then authenticates the authentication information on the received target medium and the financial transaction. It is preferable to check the validity of the authentication information by checking whether the authentication information on the transaction authentication information included in the request information is matched.

If the validity of the financial transaction request information is not confirmed through the financial institution server 1750 provided in the second financial institution (2000b), the server uses the financial institution server 1750 provided in the second financial institution. Generate a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information of the financial transaction request information checked through 2025b, and the financial transaction result including the financial transaction processing history through the financial network. Information is transmitted to the terminal (2045b), and correspondingly, the terminal outputs a financial transaction processing result including the financial transaction processing history (2050b).

On the other hand, when the validity of the financial transaction request information is confirmed through the financial institution server 1750 provided in the second financial institution (2000b), the server and the withdrawal request amount included in the received financial transaction request information, Compare and confirm the limit amount (or limit amount withdrawable through the medium-free financial transaction from the financial institution) specified when the customer uses the media-free financial transaction service set in advance (2005b).

If the financial transaction request amount exceeds the limit amount (2010b), the server requests approval for the withdrawal request amount included in the received financial transaction request information through the second authentication means (2015b). .

According to the method of the present invention, the server is a limit amount that the withdrawal request amount included in the financial transaction request information specified by the customer when using the medialess financial transaction service (or the limit that the financial institution can withdraw through medialess financial transactions). Amount), the withdrawal request amount to the second authentication means of the customer, and after transmitting the information requesting approval, it is preferable to obtain approval from the customer, according to the intention and purpose of those skilled in the art The approval may not provide a way to use more than the limit.

If the approval for exceeding the limit amount is not completed (2020b), the server exceeds the limit amount for the financial transaction request information checked through the financial company server 1750 provided in the second financial institution. Generate a financial transaction processing history including predetermined financial transaction error information corresponding to the information (2025b), and transmit financial transaction result information including the financial transaction processing history to the terminal through the financial network (2045b). In response, the terminal outputs a financial transaction processing result including the financial transaction processing history (2050b).

Thereafter, the server uses the financial automation device based on the financial account information, the withdrawal request amount information and the transaction authentication information included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the financial account. Process financial transactions to provide financial transaction services to customers without bankbooks or cash cards (2030b).

According to the implementation method of the present invention, the financial transaction processing unit 1745, in connection with the financial system, obtains an amount corresponding to the withdrawal request amount information from the account ledger corresponding to the financial account information included in the financial transaction request information. Withdrawal processing is preferably performed at the request of a customer visiting a branch (or branch) window of the financial institution.

If a financial transaction corresponding to the financial transaction request information is processed (2035b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (2040b), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel (2045b), and correspondingly, the terminal transmits the financial transaction result including the financial transaction processing history. The screen is output (2050b).

According to the present invention, when using the medium-free financial transaction service, by using the second authentication in addition to the first authentication, there is an advantage that can provide more effective security.

According to the present invention, by limiting the amount that can be withdrawn through a media-free financial transaction service, and by providing a three-step authentication method that goes through customer authentication once more than the limit amount, there is an advantage to provide a stronger financial security.

According to the present invention, by providing a service through a multi-step customer authentication, there is an advantage that can prevent financial accidents in advance.

Claims (6)

In a medium-free financial transaction method based on a linkage service between a financial institution and another financial institution, Medialess financial transaction request including transaction authentication information and withdrawal request amount information including first authentication information set in the financial account issued by the financial institution and second authentication information for the card or bankbook issued by the other financial institution Inputting information; A first authentication step of confirming validity of the first authentication information; A second authentication step of confirming validity of the second authentication information when the validity of the first authentication information is confirmed; And If the validity of the second authentication information is confirmed, withdrawing the withdrawal request amount; When the withdrawal request amount is more than the median financial transaction request limit amount, requesting approval of the withdrawal request amount through a second authentication means of a wireless terminal or a wired terminal previously designated by the customer. delete delete The method of claim 1, wherein the validating of the second authentication information is performed. Transmitting the second authentication information to a server of the financial institution; And And processing the second authentication information in association with the server of the other financial institution in the server of the financial institution. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. The medium-free financial transaction request information including the first authentication information set in the financial account issued by the financial institution and the second authentication information for the card or bank account issued by another financial institution and the withdrawal request amount information A screen output unit providing an interface for input; When the validity of the first authentication information is checked, and when the validity of the first authentication information is confirmed, the validity of the second authentication information is checked, and the withdrawal request amount is greater than or equal to the media-free financial transaction request limit. An authentication processing unit for requesting approval of the withdrawal request amount through a second authentication means of a wireless terminal or a wired terminal designated by a customer; And When the validity of the first authentication information and the validity of the second authentication information is confirmed and the withdrawal request amount is approved, a specialized processing unit for transmitting the financial transaction request information to a financial transaction server for withdrawing the withdrawal request amount; Automated apparatus comprising a.

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