KR101670500B1 - Method for Providing Financial Favor by DataBase Attachment/Detachment - Google Patents

Abstract

The present invention provides a method for executing on a server operating a ledger system for managing an account of a customer, the method comprising the steps of: storing, in the ledger system, information corresponding to the account opening, The method comprising the steps of: constructing a ledger detachment structure that relationally links one or more additional service ledgers to an internal ledger provided in the ledger system; confirming a financial benefit to be temporarily provided to the customer; Comprising the steps of: constructing an additional service ledger for managing temporary financial benefits to be provided to the customer on the system; and connecting the constructed additional service ledger to the internal ledger and recording information corresponding to the temporary financial benefit, When the customer requests a financial transaction, the attributes or conditions of the internal ledger It is accomplished by further comprising the step of first applying a property or condition of the supplementary service ledger corresponding to the financial benefits temporary.

Offer financial benefits

Description

[0001] The present invention relates to a method for providing temporary financial benefits through the removal of a ledger,

1 is a diagram showing a financial account opening system corresponding to a non-face-to-face transaction multiple account according to an embodiment of the present invention.

FIG. 2 is a diagram showing a ledger system (or financial system) corresponding to a non-face-to-face transaction multiple account according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a process for opening a multiple account for non-face-to-face transactions according to an embodiment of the present invention.

4A and 4B illustrate a process of opening a multiple account for non-face-to-face transactions according to an embodiment of the present invention.

5 is a diagram showing a financial account opening system corresponding to a non-face-to-face transaction multiple account according to another embodiment of the present invention.

FIG. 6 is a diagram showing a financial system configuration of an existing financial system and a ledger system (or a financial system) corresponding to a non-face-to-face multi-account transaction according to another embodiment of the present invention.

7 is a diagram illustrating a process of opening a multiple account for non-face-to-face transaction according to another embodiment of the present invention.

8A and 8B illustrate a process for opening a multiple account for non-face-to-face transactions according to another embodiment of the present invention.

9 is a diagram illustrating a complex account operating system for providing temporary financial benefits through addition / deletion of an additional service ledger according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of requesting the setting of a temporary financial benefit function of a complex account by adding / deleting an additional service ledger according to an embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of adding or resetting / modifying a financial benefit additional service ledger for providing a temporary financial benefit function for a multiple account according to an embodiment of the present invention.

FIG. 12 is a diagram illustrating a process of deleting a financial benefit added service ledger for providing a temporary financial benefit function for a multiple account according to an embodiment of the present invention.

13 is a diagram illustrating a transaction request process for providing a temporary financial benefit function for a complex account according to an embodiment of the present invention.

FIG. 14 is a diagram illustrating a non-face-to-face transaction process for providing a temporary financial benefit function for a multiple account according to an embodiment of the present invention.

DESCRIPTION OF THE EMBODIMENTS

900: Non-facing transaction server 905: Interface unit

910: General Manager 915:

920: Information receiving unit 925: Validation unit

930: Additional service confirmation unit 935: Additional service ledger information generation unit

940: additional service ledger generation unit 945: additional service storage unit

950: additional service ledger adding / deleting unit 955: log information storing unit

960: supplementary service ledger confirmation unit 965: transaction processor

970: Additional service ledger 975: Additional service ledger

980: General ledger interface 985: Multiple account ledger

990: Customer Ledger 993: Affiliate Server

995: Clariant terminal

The present invention provides a method for executing on a server operating a ledger system for managing an account of a customer, the method comprising the steps of: storing, in the ledger system, information corresponding to the account opening, The method comprising the steps of: constructing a ledger detachment structure that relationally links one or more additional service ledgers to an internal ledger provided in the ledger system; confirming a financial benefit to be temporarily provided to the customer; Comprising the steps of: constructing an additional service ledger for managing temporary financial benefits to be provided to the customer on the system; and connecting the constructed additional service ledger to the internal ledger and recording information corresponding to the temporary financial benefit, When the customer requests a financial transaction, the attributes or conditions of the internal ledger It relates to a method of providing temporary financial benefits through the ledger leaving complex further comprises the step of first applying a property or condition of the supplementary service ledger corresponding to the financial benefits temporary.

Traditionally, financial systems in all financial sectors have been used to deposit funds (or values) in the form of a paper ledger in the past, which is similar to the method of operating a ledger in the form of a paper ledger. One or more financial accounts must be newly opened, and the opened financial account is maintained until the financial account is canceled.

For example, in the case of a financial system provided in a conventional banking system, after a customer opens a demanding account, a new installment-type deposit account is opened separately from the demand-account account in order to carry out the installment-type account, You must open a savings account.

Alternatively, in the case of the financial system provided in the conventional banking system, in order to change the taxable account to the non-taxable demand account after the customer opens the account for the taxable account, first, You will have to open a new account.

However, as described above, the financial system provided in the conventional banking system has a problem that the manufacturing and purchasing costs are at least several billion to several hundreds of millions, and the maintenance cost requires at least billions or more of the budget each year. This includes the inconvenience that the customer must visit a financial institution and open a new account after face-to-face verification.

In addition, since the financial system provided in the conventional banking system has a method of operating a ledger similar to that of the past ledger system, it is very difficult to support other items other than those previously established on the ledger at the time of designing the ledger. It is inconvenient to cancel the previous ledger and to newly process a new ledger that includes other items. Thus, provision of temporary financial benefits during the operation of a specific financial account in the conventional financial system involves a very difficult problem have.

For example, even a simple task of changing the interest rate of a lending customer can be performed even if the customer visits the bank window to prepare a loan interest change application and, in response thereto, performs settlement up to the time of the loan interest change, It is only possible to go through a new process, but it is more difficult to change the interest rate temporarily for a certain period of time.

In order to solve the above problems, an object of the present invention is to provide a method for executing in a server operating a ledger system for managing an account of a customer, comprising the steps of: when storing information corresponding to a customer's account opening in the ledger system, Configuring a ledger detachment structure for relationally linking one or more supplementary service ledgers to an internal ledger provided in the ledger system to store and manage corresponding information, confirming a financial benefit to be temporarily provided to the customer, Configuring an additional service ledger for managing a temporary financial benefit to be provided to the customer on the ledger system when the temporary financial benefit is confirmed; and connecting the constructed additional service ledger to the internal ledger, And recording the information, wherein the customer's financial transaction request And applying the attribute or condition of the supplementary service ledger corresponding to the temporary financial benefit to the attribute or condition of the internal ledger at the time of the withdrawal of the ledger.

A method of providing a temporary financial benefit through withdrawal of a ledger according to the present invention is a method executed in a server operating a ledger system for managing an account of a customer, the method comprising the steps of: when storing information corresponding to a customer's account opening in the ledger system, Constructing a ledger detachment structure that relationally links one or more additional service ledgers to an internal ledger provided in the ledger system to store and manage information corresponding to the account opening; Establishing an additional service ledger for managing a temporary financial benefit to be provided to the customer on the ledger system when confirming the temporary financial benefit; and connecting the constructed ledger to the internal ledger, Recording the information corresponding to the benefit, By the steps of first applying a property or condition of the supplementary service ledger corresponding to the financial benefit temporarily more financial transaction request, property or condition of the internal ledger further comprising characterized by comprising.
A method for providing a temporary financial benefit through detachment of a ledger according to the present invention includes the steps of: confirming whether a temporary financial benefit provided to the customer is terminated; and completing the temporary financial benefit on the ledger system upon termination of the temporary financial benefit Confirming the additional service ledger and releasing the connection between the internal ledger and the verified additional service ledger.
The method of providing a temporary financial benefit through detachment of a ledger according to the present invention further comprises deleting an additional service ledger corresponding to the terminated temporary financial benefit on the ledger system.
A method for providing a temporary financial benefit through departure from a supplementary service ledger according to the present invention comprises the steps of creating a complex account ledger including one or more attributes / conditions requested from a customer in a ledger system, (Or an internal account corresponding to one or more properties / conditions included in the complex account); and a step of configuring a withdrawal structure for adding / deleting / resetting / The method comprising the steps of: confirming provision of a temporary financial benefit through the provision of the financial support service; generating, when confirming provision of the provisional financial benefit, Creating a financial benefit supplementary service ledger that matches the temporary financial benefit; The method comprising the steps of: storing the financial benefit supplementary service information in the financial benefits supplementary service ledger in association with the system and adding the information to the combined account ledger (or an internal ledger to be provided with financial benefits included in the complex account) (Or an internal account included in the multiple account), the financial benefits supplementary director added to the multiple account ledger (or the internal ledger included in the multiple account) in connection with the ledger system (Or an internal account included in the complex account), the service provider can apply the attribute / condition of the financial benefit supplementary service ledger to the supplementary service And providing a financial benefit corresponding to the attribute / condition of the ledger.

Meanwhile, a method for providing a temporary financial benefit through departure from an additional service ledger according to the present invention includes: generating a complex account ledger including one or more attributes / conditions requested by a customer in a ledger system; Configuring a ledger detachment structure to add / delete / reset / modify at least one additional service ledger that adds the applicable attribute / condition; The method comprising the steps of: confirming provision of a temporary financial benefit through an account of the temporary financial benefit; generating, when confirming provision of the temporary financial benefit, a financial benefit additional service ledger information that matches the attribute / condition corresponding to the identified temporary financial benefit; In connection with the ledger system, it is also possible to use the above-mentioned multiple account ledger The financial benefits supplementary service ledger to which the financial benefit supplementary service information is to be reset / modified among the one or more additional service ledgers added to the combined account ledger (or the internal ledger to be provided with the financial benefit included in the multiple account) The method comprising the steps of: reconfiguring / modifying the supplementary service ledger information in the verified supplementary service ledger in association with the ledger system; A step of confirming a financial benefit supplementary service ledger added to the complex account ledger (or an internal ledger to be provided with the financial benefit included in the complex account) at the time of transaction processing, The internal account included in the multiple account), the property / condition of the Financial Benefit Supplementary Service Principal And providing the customer with a financial benefit corresponding to the attribute / condition of the additional service ledger.

The method of providing a temporary financial benefit through departure from an additional service ledger according to the present invention includes the steps of: checking at least one additional service ledger added to the multiple account ledger (or the internal ledger to be provided with the financial benefit included in the multiple account) When the at least one additional service ledger is confirmed, the attribute / condition of the financial benefit supplementary service ruler is preferentially applied to the attribute / condition of the complex account (or the internal account included in the complex account) and the attribute / condition of the verified supplementary service ledger And providing the customer with a financial benefit corresponding to the attribute / condition of the additional service ledger.

A method for providing a temporary financial benefit through the departure of an additional service ledger according to the present invention is a method for providing a temporary financial benefit through the withdrawal of an additional service ledger, The financial benefit additional service ledger added to the financial benefit supplementary service ledger included in the financial benefit supplementary service.

A method for providing a temporary financial benefit through the departure of an additional service ledger according to the present invention is characterized in that the financial benefit supplementary service ledger is added / deleted or reset to the multiple account ledger (or the internal ledger to be provided with the financial benefit included in the multiple account) And managing supplementary service ledger log information corresponding to the revised service ledger log information to manage the financial benefits temporarily provided through the multiple account (or the internal account included in the multiple account).

In the method of providing temporary financial assistance through the departure of an additional service ledger according to the present invention, the supplementary service ledger may further include an interest rate adjustment service, a rate adjustment service, and an interest rate adjustment service in the multiple account ledger (or the internal ledger included in the multiple account) A billing / collection service, a record information extension service, and records the ledger information added to the combined account ledger (or the financial support object included in the compound account) And the like.

In accordance with the present invention, there is provided a method for providing a temporary financial benefit through the departure of a supplementary service ledger, the complex ledger comprising: a demand fund corresponding to one or more attributes / conditions through the complex account, a deferred ledger, , A mileage / coupon ledger, and a micro-credit ledger.

In the method for providing temporary financial assistance through the departure of an additional service ledger according to the present invention, the financial benefit supplementary service information includes at least one of a financial benefit type to be provided to a new account opening customer, a promotional (or winning) It includes at least one of interest rate adjustment, tax, commission adjustment, payment support, billing / receipt, and record information extension - and one or more financial benefit information, financial start date and expiration date information for each financial benefit type .

The computer-readable recording medium records a program for executing a method of providing a temporary financial benefit through the separation of the above-described additional service origin.

Meanwhile, the temporary financial benefit providing system according to the present invention may include a system for generating a complex account ledger including one or more attributes / conditions requested by a customer in a ledger system, (Or one or more attributes / conditions included in the complex account) corresponding to the complex account (or the complex account) An additional service confirming means for confirming provision of the temporary financial benefit through the internal financial account of the financial institution, and a financial benefit supplementary service information matching the attribute / condition corresponding to the confirmed temporary financial benefit when the temporary financial benefit provision is confirmed An additional service ledger information generating means for receiving the temporary financial benefit and the temporary ledger information from the ledger system; And the financial benefits supplementary service origin information is stored in the financial benefit supplementary service ledger in association with the ledger system and is included in the combined account ledger To the internal ledger to be provided with the additional financial service ledger addition / deletion means.

Meanwhile, the temporary financial benefit providing system according to the present invention may include a system for generating a complex account ledger including one or more attributes / conditions requested by a customer in a ledger system, (Or one or more attributes / conditions included in the complex account) corresponding to the complex account (or the complex account) An additional service confirming means for confirming provision of the temporary financial benefit through the internal financial account of the financial institution, and a financial benefit supplementary service information matching the attribute / condition corresponding to the confirmed temporary financial benefit when the temporary financial benefit provision is confirmed An additional service ledger information generating means, which is connected to the ledger system, (Or the internal ledger to be provided with the financial benefit included in the multiple account), the financial benefit supplementary service ledger, in which the financial liability supplementary service liability information is reset / modified, A supplementary service ledger confirmation means for confirming whether the supplementary service ledger information is added to the supplementary service ledger included in the combined account, And an additional service storage means.

The system for providing the temporary financial benefit through the departure of the additional service ledger according to the present invention is a system for providing a temporary financial benefit to the complex account ledger (or the combined account ledger) in cooperation with the ledger system when processing the transaction through the multiple account (or the internal account included in the multiple account) A supplementary service ledger confirmation means for confirming the supplementary service ledger added to the financial benefit supplementary account included in the multiple account (for example, an internal ledger to be provided with the financial benefit), and an internal account And a transaction processing means for providing the customer with a financial benefit corresponding to the attribute / condition of the supplementary service ledger by first applying an attribute / condition of the Financial Benefit Additional Service Leader to the attribute / condition of the supplementary service ledger. do.

The system for provisioning a temporary financial benefit through departure from an additional service ledger according to the present invention is characterized in that the system for adding / deleting / resetting the financial benefit supplementary service ledger to the multiple account ledger (or the internal ledger included in the multiple account) And log information storage means for storing the supplementary service ledger log information corresponding to the revised service ledger log information and processing for managing the financial benefits temporarily provided through the multiple account (or the internal account included in the multiple account) .

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood.

In order to efficiently explain the essential technical features of the present invention, the following embodiments will appropriately modify, integrate, or separate terms to be understood by those skilled in the art to which the present invention belongs , And the present invention is by no means thereby limited. That is, each means constituting the present invention may be a server (or terminal) provided on the system shown in the following embodiments, or a predetermined function constituent part provided in at least one server (or terminal) Or may be a combination of at least two or more function units included in one or more servers (or terminals). In addition, although the server (or terminal) shown in the following embodiments includes at least two or more functional components for the sake of convenience of the present invention, the functional components shown in the server (or terminal) The present invention can be applied to two or more servers (or terminals) that are matched with the above-described means and are different depending on the role and function of each function configuration unit and the operator (or operating agency) of the server (or terminal) No.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a financial account opening system corresponding to a non-face-to-face transaction multiple account according to an embodiment of the present invention.

In more detail, FIG. 1 shows a non-face-to-face transaction function including one or more of demand, charge, settlement, resale, mileage / coupon and microcredit in one compound account ledger, The present invention relates to a system for opening a complex account for non-face-to-face transactions, which provides fee adjustment, settlement support, billing / storage, and record information expansion through an additional service ledger detached from the composite account ledger. Specifically, / Providing account opening request information including at least one of customer information, account setting information, loan setting information, and non-face authentication information through a financial account opening interface of a non-disclosure method to a multiple account opening organization (hereinafter referred to as a financial institution) , A system for opening a complex account for non-face-to-face transactions in an unrecognized state based on the account opening request information at the financial institution Fig.

Those skilled in the art will be able to refer to and / or modify the FIG. 1 to various embodiments of the financial account opening system configuration corresponding to the non-face value transaction multiple account However, the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

For example, a terminal device providing account opening request information including at least one of the customer information, the account setting information, the loan setting information, and the non-face authentication information to the financial institution to open the non-face-to- The present invention is not limited to the client terminal 195 and may be implemented by an automatic teller machine (ATM) provided in the financial institution (or another financial institution affiliated with the financial institution), a cash dispenser A public switched telephone network (PSTN) associated with the financial institution, a call connected to a wired telephone network such as a VoIP (Voice over IP) network, a cash dispenser (CD) A terminal (not shown), a mobile communication network associated with the financial institution, and a call terminal (not shown) connected to a wireless telephone network such as a wireless VoIP network Was, the invention bayida place apparently found that it is possible to open a composite accounts for the non-face-to-face transaction through any terminal device capable of the inference.

In addition, according to the method shown in FIG. 1, an account-opened electronic document for opening a multiple account for non-face-to-face transaction is generated on the server side of the financial account opening system. The account opening electronic document may be generated on the terminal side that inputs (or selects) the account opening request information (for example, the electronic document creation function provided on the server side is notified to the terminal side) Thereby generating the account opening electronic document), and thus the present invention is not limited thereto.

Hereinafter, one or more means for providing the account opening request information from the customer through the financial account opening interface of the non-face / non-disclosure type on the financial account opening system shown in FIG. 1 to open the complex account for non- / &Quot; or the functional configuration is referred to as "account opening server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the financial account opening system corresponding to the non-face value transaction multiple account includes a client terminal 195 including at least one wired terminal or a wireless terminal used by a customer The client terminal 195 is connected to an account opening server 100 provided on the financial account opening system through a communication network including at least one of a wired communication network and a wireless communication network.

According to one embodiment of the present invention, the customer accesses the account opening server 100 through one or more client terminals 195 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, (Or selects) the account opening request information for opening the complex account for non-face-to-face transaction through one or more complex account opening user interfaces provided by the client terminal 100, To the account opening server 100 provided on the account opening system.

The wired terminal is a general term of all terminal devices connected to a TCP / IP (Telecommunications Control Protocol / Internet Protocol) based communication network. The wired terminal is a desktop computer connected to the TCP / IP based communication network, a notebook computer, A home appliance terminal (e.g., a refrigerator, a set-top box, etc.) connected to the home network, and a kiosk (KIOSK) connected to the communication network.

The wireless terminal connected to the wireless communication network may be any terminal device connected to a CDMA (Code Division Multiple Access) / WCDMA / GSM based mobile communication network, all terminal devices connected to a wireless communication network based on HSDPA (High Speed Downlink Packet Access) (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network, and is a general term for all terminal devices connected to the 802.16x based portable Internet and all terminal devices connected to the IEEE 802.11x based wireless LAN. A personal digital assistant (PDA), a smart phone, a telematics (personal digital assistant) terminal, a personal digital assistant (PDA) Telematics), or a wireless data communication terminal connected to a HSDPA-based wireless data communication network, or the IEEE 802.16x-based portable The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to it is preferred comprising one or more than one.

The account opening server 100 connected to the client terminal 195 may further include an Internet banking server, a wireless banking server, a telephone banking server, and a TV banking server for a complex account according to characteristics of the client terminal 195 and characteristics of a communication network. Or a separate web server for opening a complex account for non-face-to-face transactions.

The communication network connecting the client terminal 195 and the account opening server 100 may be a CDMA / WCDMA / GSM based mobile communication network, an HSDPA-based wireless data communication network, A portable Internet based on IEEE 802.16x, a wireless LAN based on IEEE 802.11x, or wireless networks including all kinds of wireless networks including a wireless section.

In addition, the client terminal 195 outputs one or more complex account opening user interfaces provided by the account opening server 100, inputs (or selects) one or more pieces of information through the user interface, (For example, a browser program and a communication function, or a program and a communication function for communicating with the account opening server 100) for transferring the data to the server 100 via the network.

Those skilled in the art will readily be able to deduce the characteristics of the client terminal 195 corresponding to one or more wired or wireless terminals, and therefore, a detailed description thereof will be omitted for the sake of convenience .

The system for opening financial accounts as described above may further include a client terminal 195 including at least one wired terminal or a wireless terminal used by the customer and at least one client terminal 195 connecting the client terminal 195 and the account opening server 100 The wired communication network or the wireless communication network performs a function of a non-face-to-face / non-face-to-face financial account opening interface for the customer to register the account opening request information for opening the complex account for the non-face-to-face transaction.

The account opening server 100 provided on the financial account opening system according to the present invention is a collective term of a financial account opening system side component connected to the client terminal 195 through a communication network and includes at least one server Or may be embodied in one or more programs recorded on a recording medium provided in a server (or apparatus), and it is evident that the present invention is not limited thereto.

According to an embodiment of the present invention, the account opening server 100 may be a web server provided with a financial institution to which the client terminal 195 accesses, a program provided to the web server, (Or a financial system) 193 that is accessible through the web server, or a server (or device) on a ledger system (or financial system) 193 that is accessible through the web server, Is not limited.

According to another embodiment of the present invention, the account opening server 100 may be a non-face-to-face transaction server accessed by a customer opening the compound account for non-face-to-face transaction through the client terminal 195, (Or financial system) 193 accessible through the non-facing transaction server, or a ledger system (or financial system) 193 accessible through the non-facing transaction server, The present invention is not limited to this.

According to another embodiment of the present invention, the account opening server 100 may be an information registration server connectable via a financial automation device or a call terminal, in addition to the client terminal 195, Program (or financial system) 193 accessible via the information registration server, or a server (or device) on the ledger system (or financial system) 193 accessible via the information registration server And the present invention is not limited thereto.

According to an embodiment of the present invention, the account opening server 100 includes an interface unit 105 for connecting and managing a communication channel with the client terminal 195 through the communication network.

According to an embodiment of the present invention, when the client terminal 195 is a wired terminal connected to a wired communication network, the interface unit 105 communicates with the client terminal 195 based on a protocol stack defined in the wired communication network And provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 195. [

For example, when the client terminal 195 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 transmits the browser program to the client terminal 195, (E.g., a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting / receiving information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 195 is provided with a communication program (for example, a non-face-to-face banking program) provided by the account opening server 100, the interface unit 105 transmits And a communication interface for communicating information (or data) using the communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal 195 is a wireless terminal connected to a wireless communication network, the interface unit 105 may access the client terminal 195 and the client terminal 195 based on a protocol stack defined in the wireless communication network. It is preferable to connect a communication channel and provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 195. [

For example, when the client terminal 195 is provided with a browser program corresponding to a wireless application protocol (WAP) or a mobile explorer (ME) protocol, the interface unit 105 transmits, to the client terminal 195 (E.g., a wireless markup language (WML) compliant web page or an HTML compatible web page) or a communication interface for transmitting and receiving information, using a WAP / ME protocol defined in the browser program to provide.

Alternatively, when the client terminal 195 is provided with a communication program (for example, a VM-based banking program, an IC chip-based banking program, or the like) provided by the account opening server 100, And provides a communication interface for connecting a communication channel with the client terminal 195 based on the CDMA protocol and transmitting and receiving information (or data) using a communication protocol defined in the communication program.

In a case where the client terminal 195 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network according to another embodiment of the present invention, the interface unit 105 may be connected to the wired telephone network or the wireless telephone network, It is preferable to connect the call terminal to the call terminal (not shown) based on the voice call protocol and provide a communication interface for transmitting / receiving information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for DTMF (Dual Tone MultiFrequency) -based information transmission / reception through the call terminal and a communication interface for transmitting / receiving information based on voice recognition .

Referring to FIG. 1, when the client terminal 195 connects a communication channel through the interface unit 105, the account opening server 100 may open the account opening server 100 to open a non- (Or extracts) one or more complex account opening user interfaces for inputting (or selecting) the account opening request information to the account opening server 100 and transmitting the account opening request information to the account opening server 100. The interface unit 105 An interface providing unit 110 (or an interface providing unit) for providing the user interface for opening the multiple accounts in association with the generated (or extracted) user terminal to the client terminal 195; (Or selecting) the account opening request information through the user interface for the client 105, And an information receiving unit 115 (or information receiving means) for receiving the account opening request information transmitted from the terminal unit 195.

The interface providing unit 110 connects the communication channel to the account opening server 100 through the interface unit 105 and then transmits the non-face-to- (Or selecting) account opening request information from the client terminal 195 and transmitting the account opening request information to the account opening server 100 through the communication network, (Or extracted) from the database (not shown), interlocks with the interface unit 105, and transmits the generated (or extracted) multiple account user interface to the client terminal 195 via the communication network .

According to an embodiment of the present invention, when the client terminal 195 is a wired terminal connected to a wired communication network, the interface providing unit 110 provides a browser program or a communication program provided in the client terminal 195 (Or extracts) a user interface for opening a complex account as much as possible, and provides the generated (or extracted) user interface to the client terminal 195 through the interface unit 105.

According to another embodiment of the present invention, when the client terminal 195 is a wireless terminal connected to a wireless communication network, the interface providing unit 110 may be provided with a browser program or a communication program provided in the client terminal 195 (Or extracts) a user interface for opening a complex account as much as possible, and provides the generated (or extracted) user interface to the client terminal 195 through the interface unit 105.

According to another embodiment of the present invention, when the client terminal 195 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 transmits (Or extracts) a user interface (for example, a voice-based user interface or a graphical user interface that can be output through a screen output unit provided in the call terminal) And provides the created (or extracted) user interface to the call terminal (not shown).

A program having one or more user interfaces for inputting (or selecting) the account opening request information to the client terminal 195 according to another embodiment of the present invention and transmitting the same to the account opening server 100 via the communication network The interface providing unit 110 for creating (or extracting) the user interface for opening the complex account and providing the user interface to the client terminal 195 may be omitted, so that the present invention is not limited thereto.

Then, the client terminal 195 inputs (or selects) the account opening request information including at least one of the customer information, the account setting information, the loan setting information, and the non-face authentication information through the user interface for opening the multiple account The information receiving unit 115 transmits the opened (or selected) account opening request information to the account opening server 100 through the communication network. And receives the account opening request information transmitted from the server (195).

According to the embodiment of the present invention, the client terminal 195 transmits the account opening request information to the account opening server 100 using a non-face authentication procedure (for example, Authentication request, information authentication, ID / PW registration, issuance / re-issuance of an authorized certificate or other certificate registration), and thereby the account opening request information is subjected to confidentiality, authentication, And encryption / decryption or electronic signature attachment that satisfies the characteristics of non-repudiation and nonrepudiation.

If a person skilled in the art is familiar with the technical features of various encryption schemes for encrypting the account opening request information and the technical features of attaching an electronic signature to the account opening request information A detailed description thereof will be omitted for the sake of convenience.

Here, the customer information included in the account opening request information may include personal information of the customer requesting the opening of the non-face value transaction complex account (for example, the name of the customer, a resident registration number, an address, a telephone number, (For example, ID / PW information allocated to the customer by the customer joining the financial transaction customer of the financial institution, etc.), and the like.

The account setting information included in the account opening request information may include basic setting information for the non-face-to-face transaction complex account, interest rate adjustment of the complex account, adjustment of taxes, fee adjustment, billing / billing, And additional service setting information for the additional service.

Here, the basic setting information of the account setting information may include: account setting information for generating financial account information for the non-face-tradable multi-account financial institution, and a request for setting a transaction attribute of the non-face- Mileage / coupon setting information for providing mileage / coupons through the compound account for non-face-to-face transaction, and information separately set within a predetermined small amount range without credit / It is preferable to include at least one micro-loan setting information for approving the loan without checking the loan of the micro-loan setting information.

Wherein the account setting information included in the basic setting information of the account setting information includes an account number corresponding to the financial account information for the non-face-to-face transaction multiple account, a financial institution number corresponding to the non-face- (Or code), an account alias, and information for issuing an account linkage card.

The request payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) the demand payment transaction attribute in the non-face value transaction complex account, (Or activating) the accumulation-type transaction attribute in the complex account for face-to-face transaction, and the setting data includes information for setting (or activating) the deferment transaction attribute in the complex account for non-face-to-face transactions And the resale linkage setting information includes information for setting (or activating) a resale link transaction attribute (for example, an investment product link attribute) in the non-face value transaction multiple account.

According to an embodiment of the present invention, the non-face-to-face transaction multiple account preferably includes at least one transaction attribute (for example, a combination of a plurality of transaction attributes) of the requested property, the accumulation attribute, the diversion attribute and the resale attribute .

In addition, the micro-loan setting information included in the basic setting information of the account setting information may be provided to the non-face-to-face transaction multiple account within a predetermined small amount range without credit / guarantee check according to the request of the customer (or a predetermined loan policy) It is preferable to include information for approving the loan without a separate loan review.

According to an embodiment of the present invention, at the time of establishing a non-face-to-face transaction complex account in an unrecognized state among the basic setting information of the account setting information, one of the request payment setting information, the accumulation type setting information, the riding type setting information and the mileage / coupon setting information Or more is set by the customer and one or more setting information that is not set at the account opening time out of the demand setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information is set in the non- The settlement setting information and the micro-loan setting information among the basic setting information of the account setting information are set by the customer manually (or automatically by the financial institution policy) After confirming the real name, the customer manually (or automatically by financial institution policy) To be set is preferably a).

According to another embodiment of the present invention, among the basic setting information of the account setting information, at the time of opening the compounded account for a non-face-to-face transaction in the unrecognized state, the request payment setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information It is preferable that at least one of the basic setting information of the account setting information is automatically set by the financial institution policy. In this case, the demand setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information among the basic setting information of the account setting information may be omitted. However, one or more pieces of setting information, which is not set at the account opening time, among the request payment setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information may be manually set by the customer in the non- (Or automatically by a financial institution policy), and the resale linkage setting information and the micro-loan setting information among the basic setting information of the account setting information may be set to be the same as the customer's real name (Or automatically by a financial institution policy).

According to another embodiment of the present invention, among the basic setting information of the account setting information, at the time of opening the compounded account for a non-face-to-face transaction in the unrecognized state, the request payment setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information It is preferable that at least one is set manually (or automatically by a financial institution policy) by the customer, and it is set at the account opening time out of the request payment setting information, the payload setting information, the riding type setting information and the mileage / coupon setting information And the resale linkage setting information and the micro-loan setting information are set manually (or automatically by the financial institution policy) by the customer after confirming the real name for the non-face value transaction multiple account Do.

Further, the additional service setting information of the account setting information may include at least one of an interest rate adjusting unit service setting information, a tax setting service setting information, a fee adjustment service setting information, a payment support unit service setting information, / Storage unit service setting information, and record information expanding unit service setting information.

The interest rate adjustment unit service setting information included in the additional service setting information of the account setting information may include a contract term interest addition / discount (for example, between a customer and a financial institution) for the non-face- (For example, by adding interest rates by promoting a financial institution (or affiliated organization), or by discounting the loan interest rate), re-entering / Add / discount long-term interest rate (eg, add customer interest by re-joining a customer or keeping an account for a long time, discounting a loan rate), adding / subtracting a mileage cumulative interest rate (eg, from a financial institution It is necessary to include the information to set one or more of the interest rate on the basis of accumulated mileage accumulated or discount on the loan rate) It is right.

The tax additional service setting information included in the additional service setting information of the account setting information may include taxation / non-taxation (for example, taxation) for a specific period (for example, a contract term) for the non-face- , A complex account for non-face-to-face transactions, or one or more transaction attributes contained in the non-face-to-face transaction).

The fee adjustment service setting information included in the additional service setting information of the account setting information may be used for a specific period (for example, a contract period, a promotion period, or the like) for the non-face-to-face transaction multiple account without additional account opening / (Eg, reduction of commission by agreement between customer and financial institution), reduction of commission by promotion (for example, reduction of commission by the inclusion (or subscription) of customer in promotion of financial institution (or affiliated organization)), commission It is preferable that information including coupon exchange (for example, information provided by a financial institution (or an affiliated organization) or a fee reduction through a coupon reduction fee purchased by a customer) is set.

The settlement support service setting information included in the supplementary service setting information of the account setting information may include at least one of a payment transfer through the complex account for non-face-to-face transactions or a card payment process through a card associated with the non- (For example, a mileage accumulation provided by a financial institution (or affiliated organization) in response to a settlement process), fund support (for example, a fund operator (a national agency / local device group (Or all) of the settlement approval through the funds provided to the customer by the financial institution (or the pension operator who manages the pension), the settlement fee reduction Promotional, or payment attributes), exchange of discount coupons through mileage (for example, mileage over a predetermined rate is reduced Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the affiliate service provider of the specific partners.

The billing / storing section service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face transaction multiple account without additional account opening / closing (for example, (For example, the name of a compound account for a non-face-to-face transaction) for a certain period of time), providing a disposable storage account (For example, providing a one-time account for creating a receipt), a virtual account for classifying the deposit account (e.g., accepting a charge from one or more billing entities to the customer (= a non-face-to-face transaction multiple account) (For example, automatic billing by the billing institution), electronic bill payment management (for example, through a communication network) The ever paid billing agency specific charge through the electronic bill charged), escrow (Escrow) (e. G., Be made of, including information set up at least one intermediate account) it is preferable to pay the charge by charge engine.

The record information expanding unit service setting information included in the additional service setting information of the account setting information may be recorded in the deposit account information for the merchant (or SOHO) in the non-face-to-face transaction multiple account without newly adding / For example, the deposit history information of the merchant (or SOHO) is classified and recorded in accordance with one or more criteria), automatic payment of the scheduled amount of deposit (for example, a receivables secured loan), a deposit amount classification / (For example, classification and counting of the amount of money deposited into the transaction complex account based on one or more criteria), and information for setting one or more pieces of deposit and withdrawal information (for example, deposit history information or withdrawal history information record for a non-face- .

According to the embodiment of the present invention, at the time of opening the compounded account for the non-face-to-face transaction in the unrecognized state of the additional service setting information of the account setting information, the interest rate adjusting unit may set the service setting information, the tax additional service setting information, It is preferable that at least one of the payment support service setting information, the billing support service setting information, and the record information expanding service setting information is set manually (or automatically by the financial institution policy) by the customer, The fee setting service setting information, the billing / support service setting information, and the record information expanding unit service setting information are not set at the account opening time The one or more pieces of configuration information may be used for the non- It is for the process (or after confirmation of blindness for complex accounts for the non-face-to-face transactions) is set manually (or automatically by the financial institution policy) is preferred by the customer.

If the person skilled in the art is familiar with the present invention, the above-mentioned interest rate adjuster service setting information, tax addition service setting information, fee adjustment service setting information, billing support service setting information, billing / It is possible to deduce one or more additional service setting information in addition to the information, record information extension service setting information, and it is evident that the present invention includes all the additional service setting information that can be guessed.

The loan setting information included in the account opening request information may be a non-face-to-face type credit check for the non-face-to-face transaction multiple account without separate face-to-face check (for example, a customer visits a financial institution and face- (Non-face-to-face) without a separate face-to-face confirmation (for example, a customer visiting a financial institution and face-to-face authentication through an ID card) It is desirable that the information includes at least one of the mortgage loan setting information for application, examination and approval.

Here, if the real name of the compound account for non-face-to-face transaction is confirmed (for example, customer real name authentication through face-to-face verification) after the non-face-to-face transaction multi account for non-face- Information for requesting a credit loan in a non-face-to-face manner without checking face to face with the customer on the basis of the confirmation, and setting the credit application to be reviewed and approved by the financial institution in response thereto, A password for requesting a loan).

If the real name of the compound account for non-face-to-face transactions is confirmed (for example, the real name of the customer is verified by face-to-face verification) after the non-face-to-face transaction multi account for non-face- The information on the mortgage loan application (for example, a mortgage loan application (for example, a mortgage loan application), a mortgage loan application request For example, a password for the user.

According to an embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of a person skilled in the art. In such a case, the loan setting information may be stored in the non- (Or automatically by a financial institution policy) by the customer after the confirmation of the real name for the combined account for the customer.

The non-face authentication information included in the account opening request information includes the validity of a customer opening a non-face-to-face transaction through a communication network in an unspecified state (= unblinded state through face-to-face verification) Authentication information based on the ID / PW-based authentication information and the authorized certificate-based authentication information, and stores the registered account opening password in the non-face-to-face authentication process provided in the account opening server 100 according to the intention of a person skilled in the art .

According to an embodiment of the present invention, the non-face authentication information may be omitted in the account opening request information according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

Referring to FIG. 1, when the account opening request information is received through the information receiving unit 115, the account opening server 100 determines whether the received account opening request information is for opening a non- And a validity checking unit 120 (or validity checking means) for confirming whether the validity is satisfied.

According to the embodiment of the present invention, when the account opening request information is encrypted according to the encryption / decryption method, the validity checking unit 120 decrypts the account opening request information according to the encryption / decryption method, It is preferable to confirm whether the opening request information satisfies the validity for opening the complex non-face-to-face transaction.

Alternatively, if an electronic signature is attached to the account opening request information, the validity checking unit 120 confirms the electronic signature attached to the account opening request information so that the account opening request information is stored in the non- It is desirable to confirm whether or not the validity for opening is satisfied.

If a person skilled in the art is familiar with the technical aspects of the present invention, it is possible to provide a technical characteristic of various decryption methods for decrypting the encrypted account opening request information and a technical characteristic of confirming the digital signature attached to the account opening request information The detailed description thereof will be omitted for the sake of convenience.

According to the embodiment of the present invention, the validity confirmation of the non-face-to-face multi-account transaction using the account opening request information is transmitted to the ledger system (or the financial system) 193 linked with the financial account opening system, And confirming that at least one matching ledger is already registered.

For example, the validity confirmation of the opening of a non-face-to-face transaction using the account opening request information is performed when the customer information (customer personal information, member information, etc.) included in the account opening request information is displayed in a ledger linked to the financial account opening system (Or financial system) 193, and it is preferable that the customer ledger matched with the account opening request information is registered in the ledger system (or the financial system) 193 , It is preferable to confirm whether the account opening request information satisfies the validity for opening the complex non-face-to-face transaction.

If the non-face authentication information is included in the account opening request information according to the embodiment of the present invention, the non-face-to-face transaction validation confirmation through the account opening request information further includes authenticating the non-face authentication information .

Referring to FIG. 1, when the validity of opening a non-face-to-face multi-account transaction is confirmed through the account opening request information through the validity checking unit 120, the account opening server 100 inserts the account opening request information into the account opening request information Generating a customer ledger information for a financial account corresponding to the non-face-to-face transaction, based on the customer information, and generating, based on the account setting information, a combination of financial accounts corresponding to the non- A ledger information generating unit 125 (or ledger information generating means) for generating the ledger information and generating the ledger information for the non-face-to-face transaction multi-account based on the loan setting information, (Or financial system) 193 operating a ledger for the complex account, a customer ledger corresponding to the financial account corresponding to the non-face- A general ledger creating unit 130 (or a ledger creating means) for creating a complex account ledger and a ledger ledger, storing the customer ledger information in the customer ledger, storing the combined ledger information in the combined ledger, An information storage unit 135 (or information storage means) for storing the abovementioned lending facility information in the lending facility, and an additional service for checking whether the account setting information included in the account opening request information includes one or more additional service setting information An additional service ledger information generating unit 145 for generating at least one additional service ledger information corresponding to the identified additional service setting information when confirming the additional service setting information, (Or an additional service ledger information generating means), a ledger system (or financial system) 193 for operating a ledger for the non-face-to-face transaction, (Or additional service ledger generating means) 150 for generating one or more additional service ledgers associated with the multiple account ledger or customer ledger in the created one or more additional service ledgers, And an additional service storage unit 155 (or additional service storage means) for storing the ledger information.

When the validity verifying unit 120 confirms the validity of the complex account opening for non-face-to-face transaction based on the account opening request information, the ledger information generating unit 125 generates the customer information included in the account opening request information, The customer ledger information to be stored in the customer ledger for the financial account corresponding to the non-face-to-face transaction multiple account is generated.

Here, the customer ledger information includes customer's personal information (e.g., a customer's name, a resident registration number, an address, a telephone number, a mobile phone number, an e-mail address, and the like) included in the customer information of the account opening request information, (For example, a customer information file (CIF), etc.) to be allocated to the customer.

Also, the ledger information generating unit 125 may generate basic ledger information for the financial account corresponding to the non-face-to-face transaction complex account based on the basic setting information of the account setting information included in the account opening request information, The method comprising: generating complex account ledger information including at least one of ledger information, paying ledger information, information of a ledger ledger, resale linked ledger information, mileage / coupon ledger information, and microloan ledger information.

Here, the basic account ledger information includes an account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= the account number of the non-face- And a financial institution number (or code) corresponding to the non-face-to-face transaction multiple account, and an account alias, and the credit card number associated with the non-face- It is preferable to further include card information corresponding to the account linkage card.

Wherein the demand filing information includes the request charge attribute information of the non-face value transaction complex account set through demand charge setting information among the basic setting information of the account setting information included in the account opening request information, And the generated demanded account number (= the requested account number of the non-face-to-face transaction complex account), and furthermore, the requested deposit amount information set to the initial value '0'.

Wherein the accumulation-type ledger information includes accumulation-type attribute information of the non-face-tradable transaction complex account set through the accumulation-type setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the created accumulation account number (= the accumulation sub account number of the non-face-tradetion complex account), and further include the accumulation amount information set to the initial value '0'.

Wherein the deferred ledger information includes rerecorded attribute information of the non-face value transaction complex account set through the rerecorded setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the generated deferred account number (= deferred deed account number of the non-face-to-face transaction complex account) and further include the deferment amount information set to the initial value '0'.

Wherein the resale linkage ledger information includes resale linkage attribute information of the non-face value transaction complex account set through the resale linkage setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include a resale linkage account number (= resale linkage account number of the complex account for non-face-to-face transaction) generated through setting information, and further include resale linkage amount information set to an initial value of '0' .

Wherein the mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face transaction multiple account set through the mileage / coupon setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable that the mileage / coupon account number (= value-type sub account number for mileage / coupon management of the non-face-to-face transaction multiple account) generated through the mileage / coupon setting information is further included. Mileage / coupon value information set to " mileage / coupon value information ".

Wherein the micro-loan origination information includes micro-loan property information of the non-face-to-face transaction complex account set through micro-account loan setting information among basic setting information of the account setting information included in the account opening request information, And the micro-loan account number (= the micro-loan account number of the non-face-to-face transaction multiple account) generated through the setting information, and further includes the micro-loan amount information set to the initial value '0' .

According to another embodiment of the present invention, if at least one of the request charge setting information, the payout type setting information, the riding type setting information, the resale linkage setting information, the mileage / coupon setting information and the micropayment setting information is omitted in the account opening request information, It is preferable that the ledger information generating unit 125 does not generate the omitted ledger information. In this case, the omitted ledger information may be used for the non-face-to-face transaction multiple account use process (or for the non-face- It is preferable to set it manually (or automatically by financial institution policy) by the customer.

Also, the ledger information generating unit 125 generates credit information on the financial account corresponding to the non-face-to-face transaction multiple account information and the secured loan information on the basis of the loan setting information included in the account opening request information And generates loan origination information including at least one of the loan origination information.

Here, the credit extension information includes credit loan condition information of the non-face-to-face transaction complex account set through credit loan setting information among loan setting information included in the account opening request information, (= Credit account number of the non-face-to-face transaction multi-account account) generated by the credit card account number generation means desirable.

The mortgage lending information includes mortgage loan condition information of the non-face-to-face transaction complex account, which is set through the mortgage loan setting information among the loan setting information included in the account opening request information, And the generated mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction multi account), and further comprises mortgage loan amount information set to an initial value of '0' .

According to another embodiment of the present invention, if at least one of the credit loan setting information and the secured loan setting information is omitted in the account opening request information, the ledger information generating unit 125 generates the ledger information In this case, the abbreviated ledger information may be manually entered by the customer (or automatically by the financial institution policy) after the non-face-to-face transaction multiple account use process (or after confirming the real name of the non-face- ).

When the validity confirmation unit 120 confirms the validity of opening a complex account for non-face-to-face transaction through the account opening request information, the ledger generation unit 130 generates a ledger for operating the ledger for the non-face- (Or a financial system) 193, and a customer ledger, a multiple account ledger, and a ledger for a financial account corresponding to the non-face-to-face transaction multiple account on the ledger system (or the financial system) .

Here, the customer director preferably includes one or more information fields for storing personal information of a customer, member information, and customer number included in the generated customer ledger information, and each information field includes a NULL, Value.

The complex account director stores an account number (= representative account number of the non-face-to-face transaction multiple account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, And a basic account ledger including at least one information field for further storing the financial institution number (or code) corresponding to the transaction complex account, the account alias, and further storing the account association card information, , Each information field of the basic account ledger is preferably initialized to a NULL value.

Also, the complex account director stores the request charge attribute information included in the request account information for the financial account corresponding to the non-face-to-face transaction multiple account, and transmits the generated account charge account number (= And an information field for storing the requested amount information. The information field of the demand information field is initialized to a NULL value, desirable.

In addition, the compound ledger may store the accumulation-type attribute information included in the accumulation-type ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated accumulation account number (= And an accumulation type ledger including at least one information field for further storing the accumulation amount amount information, wherein each information field of the accumulation type ledger is initialized to a NULL value desirable.

Also, the compound ledger may store rerelease attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated deferred account number (= And at least one information field for storing further information of the door type value, wherein each information field of the floor type ledger is initialized to a null value desirable.

Also, the complex account director stores resale linkage attribute information included in the resale linkage ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and stores the generated resale linkage account number (= And a resale linkage ledger including one or more information fields for further storing resale linkage amount information, wherein each of the information fields of the resale linkage ledger includes a null NULL) value.

Further, the compound ledger may store mileage / coupon attribute information included in the mileage / coupon ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated mileage / coupon account number (= A mileage / coupon ledger including one or more information fields for storing mileage / coupon value information and a mileage / coupon value for mileage / coupon management for non-face-to-face transaction, Preferably, each information field of the mileage / coupon ledger is initialized to a null value.

Also, the complex account director stores the micro-loan property information included in the micro-credit card information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated micro-loan account number (= And a micro-credit field including at least one information field for further storing the micro-credit amount information, wherein each information field of the micro-credit field is composed of nulls NULL) value.

According to another embodiment of the present invention, at least one of the requested fund information, the accumulation type ledger information, the landing type ledger information, the resale linked ledger information, the mileage / coupon ledger information, and the micro lease ledger information are stored by the ledger information generating unit 125 If omitted, the ledger generating unit 130 may not generate a ledger matching the omitted ledger information. In this case, the omitted ledger may be used for the non-face-to- It is preferably set manually (or automatically by financial institution policy) by the customer (after confirmation of the real name for the transactional multiple account).

The loan manager stores credit loan condition information (for example, condition information for requesting, reviewing, and approving a credit loan in a non-face-to-face manner) included in credit loan origination information corresponding to the non-face- One or more information fields for further storing the generated credit loan account number (= credit loan account number of the non-face-to-face transaction multiple account), credit loan amount information, customer credit rating information, , And each information field of the credit card issuance field is preferably initialized to a NULL value.

Also, the lending director may include the mortgage loan condition information (for example, condition information for accepting, reviewing, and approving the mortgage loan in a non-face-to-face manner) included in the mortgage loan origination information corresponding to the non-face- And further stores the generated mortgage loan account number (= mortgage loan account number of the non-face-to-face transaction multiple account), mortgage loan amount information, customer's mortgage object information, And a mortgage loan ledger including at least one information field. Preferably, each information field of the mortgage loan ledger is initialized to a NULL value.

If at least one of the credit extension ledger information and the secured lending indicator information is omitted by the ledger information generation unit 125 according to another embodiment of the present invention, the ledger generation unit 130 may match the omitted ledger information In this case, the abbreviated ledger may be manually generated by the customer (or after the confirmation of the real name for the non-face-to-face transaction) It is preferably set automatically by a financial institution policy).

When the customer ledger, the combined account ledger and the ledger ledger for the financial account corresponding to the non-face-to-face transaction multiple account are created in the ledger system (or the financial system) 193, the information storage unit 135 stores the ledger system (Or financial system) 193, storing the customer ledger information in the customer ledger, storing the complex ledger information in the complex ledger, and storing the ledger information in the ledger, Based on the results of the non-face-to-face authentication through the validation unit 120, it is possible to confirm the real name of the customer (for example, the real name of the real name based on the real name financial transaction and confidentiality guarantee law and the face- ), A complex account for non-face-to-face transactions in an unrecognized state is opened.

When the validity checking unit 120 confirms the validity of the non-face-to-face transaction opening using the account opening request information, the supplementary service checking unit 140 checks whether the account setting information included in the account opening request information is valid And confirms whether at least one additional service setting information is included.

If it is confirmed that one or more additional service setting information valid in the account opening request information is included, the additional service ledger information generating unit 145 generates one or more additional service settings corresponding to the verified supplementary service setting information Information is generated.

Here, the supplementary service ledger information includes at least one of interest rate adjustment service service ledger information, taxation supplementary service ledger information, fee adjustment service supplementary service information, billing support service supplementary service information, billing / storage service service ledger information, It is preferable that at least one additional service ledger information among the information is included.

The service provider information of the interest rate adjuster may include a commitment period interest rate addition / discount (for example, adding a reception interest rate during a contract period between a customer and a financial institution) (Eg, discounts on the loan rate) as an attribute of the non-face-to-face multi-account transaction, adding / removing promotional interest rates / discounts (for example, promotional rates by a financial institution (For example, a customer's re-entry, or maintaining an account for a long period of time) is added or deleted as an attribute of the non-face-to-face transaction, To add or subtract a credit interest rate as an attribute of the non-face-to-face transaction, (For example, adding a receiving interest rate or discounting a credit interest based on accumulated mileage accumulated in a financial institution (or affiliated organization)) as an attribute of the non-face-to-face transaction, And one or more ledger information for deleting and deleting the ledger information.

The tax additional service ledger information may include taxable / non-taxable (for example, a non-face-to-face transaction or a non-face-to-face transaction) for a non-face-to-face transaction multiple account for a specific period It is preferable to include at least one ledger information for adding / deleting / deleting the one or more transaction attributes included in the complex account for face-to-face transactions as an attribute of the non-face-to-face transaction multiple account.

The fee adjustment service supplementary service information may include a fee reduction (for example, between a customer and a financial institution) for a specific period (for example, a contract period or a promotion period) for the non-face- (For example, a reduction in commission based on the agreement) is added / deleted as an attribute of the non-face-to-face transaction, and the fee is deducted from the promotional fee (for example, (For example, a financial institution (or an affiliate organization), or a customer purchases a coupon) to add / delete as a property of the non-face-to-face transaction, A commission reduction through a commission reduction coupon) is added / deleted as an attribute of the non-face-to- Information preferably comprises one or more than one.

The settlement support service providing origin information may include at least one of the following: when the credit settlement processing is performed through the account settlement service through the complex account for non-face-to-face transactions or the card associated with the non-face- , And the fund information (for example, a fund manager (welfare fund) (hereinafter referred to as " welfare fund ") for adding / (Or all) of the payment approval through the fund provided to the customer by the government agency / local apparatus group operating the fund, the insurance company operating the insurance fund, the pension operator managing the pension, etc.) (For example, a financial institution (or affiliate organization)), and a payment account fee (For example, a reduction in the settlement fee according to the settlement attribute) is added / deleted as an attribute of the non-face value transaction complex account, (For example, a discount by providing an affiliate service with a specific affiliate institution) is added to the non-face-to-face transaction multiple account And deletion / addition of one or more pieces of ledger information.

The service charge information of the billing / storing section may be charged to the non-face-to-face transaction multiple account without additional account opening / closing (for example, from one or more billing agencies to the customer (= (For example, one or more billing agencies provide the customer with non-face-to-face transaction information) to add / delete the billing information for a certain period of time as an attribute of the non-face- (The name of the compound account for the face-to-face transaction) provided to the compound account for the non-face-to-face transaction) as the attribute of the non-face-to-face transaction, (E.g., one or more billing entities) to charge the customer the amount of the charge billed to the customer (= the name of the compound account for non-face-to-face transactions) (For example, a virtual account for each billing institution) is added / deleted as an attribute of the non-face-to-face transaction account, (For example, payment of the bill amount by the billing institution through the electronic bill electronically charged through the communication network) is added to the attribute of the non-face-to-face transaction integrated account A ledger for adding / deleting the ledger information for adding / deleting and removing / adding an escape (for example, an intermediary account for paying the billing fee for each billing institution) as an attribute of the non-face- It is preferable to include at least one piece of information.

The recording information expanding unit service ledger information is information for recording deposit information for the merchant (or SOHO) in the non-face-to-face transaction multi account for the account of the merchant (or SOHO) (For example, by classifying the deposit history information into an account in accordance with one or more criteria) is added / deleted as extension information of the non-face-to-face transaction complex account information, (For example, classification and counting of the amount of money deposited in the complex account for non-face-to-face transactions according to one or more criteria) is added / deleted as an attribute of the non-face- Deposit / withdrawal information for adding / deleting the non-face-to-face transaction information as extension information of the non-face-to-face transaction complex account, That the history information to add / remove in the extended information of the composite accounts for the dispensing history information recording) in the non-face-to-face transactions comprising one or more ledger information for departure complex is preferred.

On the other hand, if it is determined that one or more additional service setting information valid in the account opening request information is not included or one or more additional service providing information corresponding to additional service setting information included in the account opening request information is generated, The additional service ledger information generating unit 145 may generate one or more automatic setting service service ledger information based on the customer information included in the account opening request information.

Herein, the automatic setting service service ledger information includes at least one of the interest rate adjustment service service ledger information, the taxation supplementary service ledger information, the fee adjustment service supplementary service information, the payment support supplementary service ledger information, the billing / It is preferable to further include at least one additional service ledger information automatically set by the financial institution policy among the additional service ledger information and further include information on the real name confirmation service ledger for managing the real name verification of the non- .

The real-name confirmation service provision information may include a transaction limit amount through the complex account for non-face-to-face transactions (for example, 500,000 won or 200,000 won) until the face- (For example, one or more of a micro-loan, a credit loan, and a secured loan) through the non-face-to-face transaction multiple account, and the mileage / coupon for the non-face- It is desirable to include one or more ledger information that limits some (or all) of the credits.

According to the method of the present invention, it is preferable that the real-name confirmation service ledger information is deleted after the face-to-face real name confirmation for the non-face-to-face transaction multiple account, Limit limits and unrestricted trading restrictions are desirable.

When one or more additional service ledger information is generated by the additional service ledger information generating unit 145, the additional service ledger generating unit 150 generates the additional service ledger information by using the combined account created in the ledger system (or the financial system) And generates one or more additional service ledgers corresponding to the generated additional service ledger information in correspondence with the generated additional service ledger information, respectively, in the ledger or customer ledger.

Here, the interest rate adjuster service leader may add or subtract a contract interest rate addition / discount (for example, adding a reception interest rate or a credit interest rate during a contract period between a customer and a financial institution) (For example, by adding promotional interest rate or discounting the loan interest rate by the promotion of financial institutions (or affiliated organizations)), re-entry / long-term interest rate addition / (For example, a financial institution (or an affiliated organization)) to receive a discount (for example, re-entry of a customer or addition of a receiving interest rate by maintaining an account for a long period or discounting a loan interest rate) Including one or more information fields for storing ledger information for adding a receiving interest rate or discounting a credit interest rate based on accumulated mileage that is accumulated And each information field of the interest rate adjustment unit service ledger is preferably initialized to a NULL value.

The taxation appraisal service director may include taxation / non-taxation (for example, a non-face-to-face transaction or a non-face-to-face transaction) for a specific period (for example, a contract term) included in the generated tax additional service ledger information The information field of the taxpayer service extension field is initialized to a NULL value, and the information field of the taxpayer service extension field is initialized to a null value .

The commissioner of the commodity adjustment commissioner may receive a commission reduction (for example, commission reduction by commission between a customer and a financial institution) during a specific period (for example, a contract period, a promotion period, or the like) included in the generated commission supplementary service information (For example, a financial institution (or an affiliated organization)), a ledger information for a promotion fee (for example, a fee reduction by the inclusion of a customer in a promotion of a financial institution Or an affiliate organization), or a reduction of commission fee through a commission reduction coupon purchased by the customer). Preferably, the at least one information field includes at least one information field for storing the information about the information field Is preferably initialized to a null value.

The service support center of the settlement support service provider may include a mileage information (for example, mileage payment provided by a financial institution (or affiliated organization) in response to a settlement process) included in the generated service support service service information, (Eg, a portion (or all) of the payment authorization through the fund provided by the fund operator (such as a state agency / local entity operating a welfare fund, an insurance company operating the insurance fund, a pension operator managing the pension, etc.) (For example, a promotion of a financial institution (or an affiliated organization), or a reduction of a settlement fee according to a settlement attribute), a discount coupon exchange through mileage (for example, (Eg, exchange mileage coupons), affiliate discounts (eg, through partnering with certain affiliates) Each information field of the player) to be made including at least one information field for storing the ledger information is desired for the billing support additional services director is preferably initialized to a null (NULL) value.

The service ledger of the billing / storing section may include a billing / billing section (for example, billing information) for billing the customer (= the name of the non-face-to-face transaction complex account) (E.g., a medium for storing the bill for a certain period of time), providing a disposable storage account (e.g., disposable (For example, a virtual account for billing institution to accommodate the charge charged to the customer (= name of a non-face-to-face transaction) at one or more billing institutions) ), Ledger information for automatic payment (for example, automatic billing for each billing institution), electronic bill payment management (for example, communication (E. G., An account for payment of bills by billing entity via electronically billed electronic invoice via e. G., Via electronic billing), an escrow Preferably, each information field of the service ledger of the billing / storing unit is initialized to a NULL value.

The record information expanding unit service leader records the deposit information for the affiliated store (or SOHO)) included in the generated record information expanding service service origin information (for example, the account of the merchant (or SOHO)) (For example, the deposit history information is classified according to one or more criteria) is added / deleted as extension information of the non-face value transaction complex account, (For example, classification and counting of amounts deposited in the non-face-to-face transaction multiple accounts based on one or more criteria), deposit and withdrawal information (for example, deposit details for a non-face- Information about the withdrawal history information), one or more information fields for storing the ledger information, and the record information extension Each information field of the supplementary service ledger is preferably initialized to a null value.

The real name verification service service director may set a transaction limit amount through the complex account for non-face-to-face transactions to a predetermined limit amount (for example, 500,000 won or 2,000,000 won or more, ), Ledger information for limiting one or more loans (for example, a micro-loan, a credit loan, and a mortgage loan) through the complex account for non-face-to-face transactions, It is preferable to include at least one information field for storing the ledger information for limiting part (or all) of the mileage / coupon accumulation, and each information field of the recorded information expander service ledger is initialized to a NULL value .

When one or more additional service ledgers linked to the compound ledger or customer ledger are created in the ledger system (or financial system) 193, the added service repository 155 stores the ledger system (or financial system) 193 Face authentication result through the validity checking unit 120 by storing the respective additional service ledger information corresponding to one or more additional service ledgers generated in connection with the multiple account ledger or customer ledger in connection with the non- To open a non-face-to-face complex account for non-face-to-face transactions without confirming the real name of the customer (for example, the Act on Financial Real Name Transaction and Confidentiality Guarantee and Confirmation of Face-to-Face Confirmation Based on Enforcement Decree of Presidential Decree No. 15744) .

Referring to FIG. 1, when the account opening server 100 stores the additional service origination information corresponding to each of the one or more additional service origins generated by the additional service storage unit 155, An additional service ledger adding / deleting unit 160 (or an additional service ledger adding unit) for processing the additional service ledger in which the additional service ledger information is stored is added to the combined account ledger or client ledger (Or the financial system) 193 and the additional service ledger log information about the addition service ledger being added to the multiple account ledger or the customer ledger is transmitted to the ledger system (or financial system) (Or log information storage means) for processing to be stored in the additional service log D / B provided in the additional service log D / Characterized in that eojineun.

When each additional service ledger information corresponding to each of the one or more additional service ledgers generated by the additional service ledger generating unit 150 is stored by the additional service storage unit 155, (Or the financial system) 193 to process the additional service ledger in which the additional service ledger information is stored is added to the multiple account ledger or customer ledger generated by the ledger creating unit 130 .

According to the method of the present invention, the supplementary service ledger add / delete unit 160 adds / subtracts the supplementary service ledger information stored in the supplementary service ledger information through the supplementary service management ledger provided in the ledger system (or the financial system) It is preferable to process the additional service ledger so as to be added to the multiple account ledger or customer ledger.

When the additional service ledger in which the additional service ledger information is stored is added to the combined account ledger or customer ledger, the log information storage unit 165 stores the additional service ledger in connection with the ledger system (or the financial system) The additional service ledger log information for the addition to the combined account ledger or the customer ledger is generated and stored in the additional service log D / B provided in the ledger system (or the financial system) 193.

Referring to FIG. 1, the account opening server 100 authenticates the opening of a complex account for a non-face-to-face transaction through the account opening request information through the validity checking unit 120, When the non-face-to-face transaction complex account corresponding to the account opening request information is opened in the account opening request information storage unit 193, the account opening request information and the account opening information including the financial account information for the financial account corresponding to the non-face- An electronic document transmission unit 173 for transmitting the generated electronic document to the electronic document repository associated with the financial account establishment system, an electronic document creation unit 170 (or electronic document creation means) (Or electronic document transmission means).

The validity of opening a complex account for a non-face-to-face transaction through the account opening request information is authenticated through the validity checking unit 120 and the non-face-to-face transaction corresponding to the account opening request information in the ledger system (or the financial system) The electronic document creation unit 170 includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, The electronic document information and the electronic document format including at least one of the account setting information and the loan setting information included in the opening request information and the non-face authentication result information through the non-face authentication information included in the account opening request information, After the electronic document information is included in the electronic document format, an encryption or electronic signature is generated in accordance with a predetermined electronic document creation method, And generates a plurality of data.

According to an embodiment of the present invention, the electronic document generation unit 170 includes customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction, Face authentication result information included in account opening request information, loan setting information, and non-face authentication information included in the account opening request information, and generates document contents including at least one of the document contents (E.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) It is preferable to process the electronic document as an account-opened electronic document for opening a multiple account for non-face-to-face transactions.

Alternatively, the electronic document creation unit 170 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information based on the account setting information, the loan setting information, and the non-face authentication result information included in the account opening request information, and transmits the electronic document verification information (For example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or a HWP / DOC file including the document contents including the watermarking, A word processor file including at least one document, or a web document file including MHT) for setting up a multiple account for non-face-to-face transactions Advice is preferred to process each other.

Alternatively, the electronic document creation unit 170 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content containing the document content captured image It is preferable to process the image file including the content (for example, the image content generated by capturing the document content on the memory) as an account-opened electronic document for opening the compound account for non-face-to-face transactions.

Alternatively, the electronic document creation unit 170 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content containing the document content captured image The image file including the image contents including the watermarking is stored in the image file including the image file including the image marking by the digital watermarking method in which the electronic document verification information previously set in the content (for example, the image content generated by capturing the document content in the memory) It is desirable to process the document as an account opening electronic document for opening a multiple account for non-face-to-face transactions.

According to another embodiment of the present invention, the electronic document generating unit 170 includes customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction, Face authentication information included in the account opening request information, loan setting information, and non-face authentication information included in the account opening request information, (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file containing image contents (for example, image contents generated by capturing the document contents on a memory) captured by capturing document contents , Or a word processor file containing one or more of HWP / DOC, or a web document file containing MHT) That the account opening process to electronic documents for opening accounts for complex transactions are preferred.

Alternatively, the electronic document creation unit 170 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content containing the document content captured image Generates image content including watermarking method of electronic document verification information previously set in content (for example, image content generated by capturing the document content on a memory), and includes image content including the watermarking (E.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC Or a web document file including an MHT), thereby processing the document as an account-opened electronic document for opening a multiple account for non-face-to-face transactions.

According to another embodiment of the present invention, the electronic document creation unit 170 includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, A document file (e.g., a PDF (Portable Document Format) file corresponding to the document content, or an EDI (electronic document file) corresponding to the document content) captured by capturing document contents Data Interchange) file, or a word processor file containing one or more HWP / DOC, or a web document file containing MHT) Thereby, it is preferred to process the electronic document to the account opening for said non-face-to-face transaction account opening for composite.

Alternatively, the electronic document creation unit 170 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content containing the document content captured image Generating image content including the electronic document verification information previously set in content (for example, image content generated by capturing the document content on a memory) in a watermarking manner, and transmitting the image content including the watermarking A document file (e.g., a PDF (Portable Document Format) file corresponding to document contents, or an Electronic Data Interchange ) File, or a word processor file containing at least one of HWP / DOC, or a web document file including MHT), it is preferable to process the electronic document as an account-opened electronic document for opening a multiple account for non-face- Do.

Those skilled in the art will appreciate that the electronic document generating unit 170 may be a technical feature for generating an account opened electronic document in an image file format or a document file format, The technical features of the file format for the image file or the document file to which the image data is to be written. Therefore, detailed description thereof will be omitted for the sake of convenience.

When the account opening electronic document is generated by the electronic document generating unit 170, the electronic document transmitting unit 173 transmits the generated account opening electronic document to the electronic document repository associated with the financial account opening system And stores it.

1, the electronic document repository includes an electronic document server 175 and an electronic document D / B 190 linked to an account opening server 100 in the financial account opening system through a communication network, The electronic document transmission unit 173 is configured to transmit the account opened electronic document generated by the electronic document creation unit 170 to the electronic document server 175 via the communication network .

Here, when the electronic document server 175 and the electronic document D / B 190 are provided outside the financial account opening system, the electronic document server 175 and the electronic document D / It is desirable to be managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document repository is provided on the DBMS provided in the financial account opening system, the electronic document transmission unit 173 transmits the electronic document to the electronic document repository It is possible to store the account opening electronic document in the electronic document D / B 190 corresponding to the electronic document repository on the DBMS provided in the financial account opening system, and thus the present invention is not limited thereto.

According to the embodiment of the present invention, the electronic document transmission unit 173 transmits electronic document related information for generating electronic document management information in the electronic document server 175 (for example, customer information included in the account opening request information And financial account information, financial institution information, and electronic document file format information for a financial account corresponding to the non-face-to-face transaction for the non-face-to-face transaction, to the electronic document repository. The present invention is not limited thereto.

1, an electronic document server 175 corresponding to an electronic document repository that receives and manages the account opened electronic document from the account opening server 100 provided on the financial account opening system, An electronic document receiving unit 180 for receiving the account opening electronic document from the account opening server 100 and electronic document management information for storing and managing the received account opening electronic document in the electronic document D / And an electronic document storage unit 185 for associating the electronic document management information with the account opening electronic document and storing the electronic document management information in the electronic document D / B 190 .

The electronic document receiving unit 180 receives an account opened electronic document in the form of an image file or a document file from the account opening server 100 via the communication network.

According to an embodiment of the present invention, an account opened electronic document received by the electronic document receiving unit 180 through the communication network is transmitted to the account opening server 100 through the account opening request information received from the client terminal 195 And the financial account information for the financial account corresponding to the non-face-to-face transaction, and includes account setting information, loan setting information, and account opening request information included in the account opening request information (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file containing document contents including one or more non-face authentication result information through the non-face authentication information Or a web document file including an MHT), and the like.

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include the customer information included in the account opening request information received from the client terminal 195 by the account opening server 100, And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information (E. G. PDF (Portable < / RTI > < RTI ID = 0.0 > Document Format) file, or EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or MHT And a web document file including the web document).

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include the customer information included in the account opening request information received from the client terminal 195 by the account opening server 100, And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information And an image file including image content (e.g., image content generated by capturing the document content on a memory) captured by the document content including one or more non-face authentication result information.

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include the customer information included in the account opening request information received from the client terminal 195 by the account opening server 100, And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information Watermarking the electronic document verification information previously set in the image content (for example, image content generated by capturing the document content in the memory) captured by the document content including one or more non-face authentication result information, And an image file including the image content including the watermarking .

According to another embodiment of the present invention, an account opened electronic document received by the electronic document receiving unit 180 via the communication network is transmitted to the account opening server 100 through an account opening request received from the client terminal 195 And a financial account information for a financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information A document file including image content (e.g., image content generated by capturing the document content on a memory) captured by the document content including one or more non-face authentication result information through the included non-face authentication information (E.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / DOC A processor file, or a web document file including an MHT).

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include the customer information included in the account opening request information received from the client terminal 195 by the account opening server 100, And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information Watermarking the electronic document verification information previously set in the image content (for example, image content generated by capturing the document content in the memory) captured by the document content including one or more non-face authentication result information, , And generates a document file including the image content including the watermarking (e.g., A word processor file including at least one of a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file or an HWP / DOC, or a web document file including an MHT) .

According to another embodiment of the present invention, an account opened electronic document received by the electronic document receiving unit 180 through the communication network is transmitted to the account opening server 100 through an account opening And a financial account information for a financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information, (For example, the image content generated by capturing the document content on the memory) captured by the document content including one or more non-face authentication result information through the non-face authentication information included in the document content (E.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file, or a HWP / DOC file A word processor file including at least one file, or a web document file including MHT).

Alternatively, the account opening electronic document received by the electronic document receiving unit 180 through the communication network may include the customer information included in the account opening request information received from the client terminal 195 by the account opening server 100, And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information Watermarking the electronic document verification information previously set in the image content (for example, image content generated by capturing the document content in the memory) captured by the document content including one or more non-face authentication result information, And the image content including the watermarking and the image content included in the document content (E.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

The information generating unit 183 generates the electronic document unique number (or unique information) to be allocated to the account opened electronic document received through the electronic document receiving unit 180 and the account opening number The electronic document management information including the electronic document storage time information including the date and time when the document was received (or the date and time at which the account opening electronic document was stored).

According to one embodiment of the present invention, the information generating unit 183 refers to the account opening server 100 that has transmitted the account opened electronic document received through the electronic document receiver 180, It is preferable to identify the financial institution that transmitted the electronic document management information and generate the electronic document management information further including the confirmed financial institution information.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 100 through the electronic document receiving unit 180, the information generating unit 183 generates the information (For example, one or more pieces of customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction, financial institution information, and electronic document file format information) It is preferable to generate the electronic document management information that further includes the electronic document management information.

The electronic document storage unit 185 associates the account opened electronic document received through the electronic document receiving unit 180 with the electronic document management information generated through the information generating unit 183 to generate an electronic document D / 190).

According to an embodiment of the present invention, an account opened electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is transmitted to the account opening server 100 from the client terminal 195 And the financial account information for the financial account corresponding to the complex non-face-to-face transaction information, the account setting information and the loan setting information included in the account opening request information, (For example, a portable document format (PDF) file or an electronic data interchange (EDI) file containing document contents including one or more non-face authentication result information through non-face authentication information included in the account opening request information, File, a word processor file containing one or more of HWP / DOC, or a web document file containing MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 may be stored in the account opening request information received from the client terminal 195 by the account opening server 100 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information The electronic document verification information previously set in document contents including one or more non-face authentication result information through the non-face authentication information is included in a watermarking manner, and then a document file including document contents including the watermarking (E.g., a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / T, and the like).

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 may be stored in the account opening request information received from the client terminal 195 by the account opening server 100 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image contents generated by capturing the document contents on a memory) captured by the document contents including one or more non-face authentication result information through the non-face authentication information .

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 may be stored in the account opening request information received from the client terminal 195 by the account opening server 100 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image content generated by capturing the document content on a memory) captured by document content that includes one or more non-face authentication result information through non-face authentication information And an image file including the image content including the watermarking. .

According to another embodiment of the present invention, an account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is transmitted to the account opening server 100 from the client terminal 195, And the financial account information for the financial account corresponding to the complex non-face-to-face transaction information, the account setting information and the loan setting information included in the account opening request information, Face authentication information obtained from the non-face authentication information included in the account opening request information (e.g., image content captured by capturing the document content on a memory (E.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file, or a HWP / DOC It comprises a web page file, and so on) that include the word-processor file, or MHT is preferred.

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 may be stored in the account opening request information received from the client terminal 195 by the account opening server 100 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image content generated by capturing the document content on a memory) captured by document content that includes one or more non-face authentication result information through non-face authentication information The watermarking method, and the image file including the image content including the watermarking, (E.g., a portable document format (PDF) file or an electronic data interchange (EDI) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) Do.

According to another embodiment of the present invention, an account opened electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 is transmitted to the account opening server 100 through the client terminal 195 And the financial account information for the financial account corresponding to the complex non-face-to-face transaction information, and the account setting information included in the account opening request information and the loan setting information And image content obtained by capturing document content including one or more non-face authentication result information through non-face authentication information included in the account opening request information (e.g., image content captured by capturing the document content in memory A document file (e.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a HWP / DOC Or a web document file including an MHT), and the like.

Alternatively, the account opening electronic document stored in the electronic document D / B 190 by the electronic document storage unit 185 may be stored in the account opening request information received from the client terminal 195 by the account opening server 100 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image content generated by capturing the document content on a memory) captured by document content that includes one or more non-face authentication result information through non-face authentication information The image content including the watermarking and the image content including the watermarking, (E.g., a portable document format (PDF) file or an electronic data interchange (EDI) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

According to the method of the present invention, the electronic document management information that the electronic document storage unit 185 processes in association with the account opening electronic document and stores in the electronic document D / B 190 is stored in the account opening electronic document (Or unique information) assigned to the electronic document and the electronic document storage time information.

According to an embodiment of the present invention, the electronic document management information that the electronic document storage unit 185 processes in association with the account opening electronic document and stores in the electronic document D / B 190, The financial institution information transmitting the account opened electronic document confirmed with reference to the account opening server 100 that has transmitted the account opened electronic document.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 100, the electronic document storage unit 185 processes the electronic document in association with the account opening electronic document, The electronic document management information stored in the D / B 190 includes information on the received electronic document (for example, the customer information included in the account opening request information and the financial account corresponding to the non-face- Financial institution information, financial institution information, and electronic document file format information).

FIG. 2 is a diagram showing a ledger system (or financial system) corresponding to a non-face-to-face transaction multiple account according to an embodiment of the present invention.

FIG. 2 shows a non-face-to-face transaction function including one or more of demand, charge, settlement, resale, mileage / coupon, and microcredit in a single complex ledger 225, (2), which provides a non-face-to-face transaction multiple account for providing, through a supplementary service ledger (210) detached from the complex account ledger (225), tax, fee adjustment, payment support, billing / (Or financial system) for a non-face-to-face transaction multiple account opened through a financial account opening system shown in FIG. 1, specifically, a customer ledger 230 corresponding to the non-face- A multiple account ledger 225 and one or more additional service ledgers 210 are provided within one ledger system (or financial system).

Those skilled in the art will be able to refer to and / or modify FIG. 2 to illustrate various implementations of the construction of a ledger system (or financial system) corresponding to the complex account for non-face-to-face transactions However, the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

For example, in the ledger system (or financial system) shown in FIG. 2, the credit lending ledger and the secured lending ledger are shown as internal ledgers of the combined ledger 225, but the present invention is not limited thereto, It is clear that the credit lending ledger and the mortgage lending ledger can be implemented in the form of an independent ledger linked relationally to the compound ledger 225 and that the present invention includes all possible embodiments.

Referring to FIG. 2, the ledger system (or financial system) corresponding to the non-face-to-trader multi-account transaction system includes a customer site 230 and a complex account ledger 230, which are generated through the financial account opening system shown in FIG. 225 are related in a relational manner and one or more additional service ledgers 210 created through the financial account opening system shown in FIG. 1 are transferred through the additional service management ledger 215 to the multiple account ledger 225, (230), a multiple account ledger (225), and one or more additional services (230), which correspond to the non-face-to-face transaction multiple account, And a ledger operation interface 220 for interfacing the ledger 210 with the account opening server 200 and one or more non-facing transaction servers 205 shown in FIG. 1 do.

Here, the customer ledger 230 is a ledger including at least one information field for storing the customer's personal information, member information, and customer number. The ledger includes customer's personal information (e.g., a customer's name, resident registration number, address (For example, a customer information file (CIF), etc.) to be allocated to the customer, and stores the customer information (for example, a telephone number, a mobile phone number, .

The compound account ledger 225 further includes a basic account ledger for the financial account corresponding to the non-face-to-face transaction complex account, a request ledger, an accumulation ledger, a redeemed ledger, a resale linkage ledger, a mileage / coupon ledger, And a credit lending ledger and a mortgage lending ledger.

Here, the basic account ledger stores the representative account number of the non-face-to-face transaction multiple account, further stores a financial institution number (or code) corresponding to the non-face-to-face transaction complex account and an account account name, A ledger comprising one or more information fields for further storing linkage card information, wherein said ledger is associated in relational fashion with said customer ledger (230), and wherein said one or more additional service ledgers (210) It is preferable that it is separated by the addition / deletion method.

The demand filing field stores the demand-side attribution information for the non-face-to-face transaction complex account, and stores one or more pieces of information for storing the demanded account number (= the requested account number of the non-face- Information field, which is related to the customer ledger 230 in a relational manner, and one or more additional service ledgers 210 are desorbed through the additional service management ledger 215 in an addition / deletion manner Do.

The accumulation-type ledger may store the accumulation-type attribute information for the non-face-to-face transaction complex account, and may further store at least one or more accumulation-type attribute information for storing the accumulation account number (= the accumulation-type sub account number of the non- Information fields, which are relationally associated with the customer ledger 230, and one or more additional service ledgers 210 are detached in an add / delete manner via the additional service management ledger 215 desirable.

Wherein the landing type ledger stores at least one of the at least one non-face value and the at least one non-face value of the non-face-to-face transaction, Information field, which is related to the customer ledger 230 in a relational manner, and one or more additional service ledgers 210 are desorbed through the additional service management ledger 215 in an addition / deletion manner Do.

The resale linkage director stores the resale linkage attribute information for the non-face-to-face transaction multiple account, and stores the resale linkage account number (= resale linkage account number of the non-face-to-face transaction) Wherein the one or more additional service ledgers 210 are associated with the customer ledger 230 in a relational manner and the supplementary service management ledger 215 is used to add / Desorbed.

The mileage / coupon ledger stores the mileage / coupon property information for the non-face-to-face transaction complex account, the mileage / coupon account number (= value-based subaccount for mileage / coupon management of the non- And one or more information fields for further storing mileage / coupon value information, wherein the ledger is associated with the customer ledger (230) in a relational manner, and wherein the additional service management ledger (215) It is preferable that the ledger 210 is detached by the addition / deletion method.

The micro-credit director stores the micro-loan property information for the non-face-to-face transaction multiple account, and stores the micro-loan account number (= the micro-account account number of the non-face-to-face transaction complex account) and the micro- Wherein the one or more additional service ledgers 210 are associated with the customer ledger 230 in a relational manner and the supplementary service management ledger 215 is used to add / Desorbed.

The credit lending director stores credit loan condition information for the non-face-to-face transaction complex account, a credit loan account number (= credit loan account number of the non-face-to-face transaction complex account), credit loan amount information, A credit history information, and one or more information fields for further storing credit limit amount information by credit grade, is linked in a relational manner with the customer ledger 230, and one It is preferable that the additional service ledger 210 is detached by the addition / deletion method.

The mortgage loan manager stores the mortgage loan condition information for the non-face-to-face transaction multiple account, the mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction complex account), the mortgage loan amount information, And a loan amount limit information for each secured loan item, wherein the ledger is related to the customer ledger 230 in a relational manner and is connected to the supplementary service management ledger 215 It is preferable that at least one additional service ledger 210 is detached by the addition / deletion method.

The supplementary service ledger 210 includes an interest rate adjuster service leader 210, a tax supplementary service leader 210, a fee adjustment service provider leader 210, a payment support service provider leader 210, a billing / A service ledger 210 and a record information expanding service provider ledger 210. The supplementary service ledger 210 is connected to the multiple account ledger 225 through an additional service management ledger 215, Or the customer ledger (230) by the addition / deletion method.

Here, the interest rate adjuster service leader 210 may determine whether or not the contract interest rate addition / discount (for example, the interest rate during the agreement period by the customer and the financial institution agreement) included in the generated information on the interest rate adjuster service ledger 210 (For example, adding interest rate by promoting a financial institution (or affiliated organization) or discounting loan interest rate), re-entering information / Information on the ledger for adding or discounting a long-term maintenance interest rate (for example, re-entering a customer or maintaining an account for a long period to add a reception interest rate or discounting the loan interest rate), mileage cumulative interest rate addition / One or more information fields for storing ledger information for adding a receiving interest rate or discounting a credit interest based on the accumulated mileage accumulated by the affiliate) And the like.

The tax addition service director 210 can receive taxation / non-taxation (for example, a non-face-to-face transaction or a non-face-to-face transaction) for a specific period (for example, a contract period) included in the generated tax additional service ledger 210 information And one or more information fields for storing ledger information for taxation / non-taxation of one or more transaction attributes included in the complex account for face-to-face transactions.

The fee adjustment service provider ledger 210 determines a fee reduction plan for a specific period (for example, a contract period, a promotion period, etc.) included in the created fee adjustment service provider ledger 210 information (Eg, reduction of fees due to the inclusion of a customer in the promotion of a financial institution (or an affiliated organization)), information on a ledger for exchanging commission coupons (For example, provided by a financial institution (or affiliated organization), or a fee reduction through a commission reduction coupon purchased by a customer).

The payment support service provider 210 receives the mileage accumulation (e.g., mileage accumulation provided by a financial institution (or affiliated organization) in response to the payment process) included in the generated payment support service service ledger 210 information (For example, a fund manager (funded by a state agency / local entity that operates a welfare fund, an insurance company that operates insurance funds, a pension manager who manages a pension, etc.) (Eg, approving some (or all)), information about the ledger for reducing the payment fee (for example, promoting the financial institution (or affiliated organization), or reducing the payment fee based on the payment attributes), discount coupon exchange through mileage (For example, exchanging mileage over a predetermined standard with a discount coupon), a discount discount (for example, providing an affiliate service with a specific affiliate It comprises at least one information field for storing the ledger information for discount) through are preferred.

The billing / storing section service ledger 210 receives a bill included in the generated billing / storing part information 210 of the service ledger 210 (for example, the billing / (E.g., a medium for storing billing information for billing to a non-face-to-face transaction) for a certain period of time, providing a disposable account for the bill (For example, providing a one-time account created for storing), a virtual account for classifying the deposit account (for example, storing the charge requested by the one or more billing agencies to the customer (= the name of the non-face-to-face transaction multiple account) (Eg, a virtual account for each billing institution), a ledger information for automatic payment (eg, automatic billing for each billing institution), electronic bill payment management , Information on ledgers for paying bills by billing institution via electronic bills electronically billed through a communication network, and information on ledgers for escrows (for example, an intermediary account for paying bills by billing institution) Lt; RTI ID = 0.0 > information field. ≪ / RTI >

The recording information expanding unit service ledger 210 records the deposit information for a merchant (or SOHO) included in the generated record information expander service ledger 210 information (for example, SOHO (For example, classification and recording of the deposit history information into the account of the non-face-to-face trader) is added / deleted as extension information of the non-face value transaction complex account, (For example, non-face-to-face transactions), information about a general ledger for a non-face-to-face transaction (for example, And records withdrawal history information and withdrawal history information for the complex account) in the form of a document, and at least one information field for storing the ledger information.

According to the present invention, the supplementary service management director 215 includes the interest rate adjuster service leader 210, the tax supplementary service leader 210, the fee adjustment supplementary service provider 210, the payment support supplementary service provider 210 Activating one or more additional service ledgers 210 of the billing / storing part service ledger 210 and the recorded information expanding service ledger 210 to add them to the compound ledger 225 or the customer ledger 230, It is possible to deactivate at least one additional service ledger 210 and remove the at least one additional service ledger 210 from the complex ledger 225 or the customer ledger 230 to reset / add / delete the additional service ledger 210 / (Not shown) for the supplementary service ledger 210 for the modification, and stores it in the supplementary service log D / B (not shown).

According to the method of the present invention, when interest rate adjustment for the complex account is requested (or set) from the account opening server 200 or one or more non-face-to-face transaction servers 205 associated with the ledger system (or financial system) The supplementary service managing director 215 activates the interest rate arbitration unit service ledger 210 and adds the service ledger 210 to the multiple account ledger 225 or the customer ledger 230, It is preferable that log information of the additional service ledger 210 is stored in the additional service log D / B for at least one of the account opening servers 200 and the at least one non-facing transaction server 205, When the interest rate is reset / modified, the supplementary service management director 215 determines whether the interest rate adjustment service service ledger 210 is activated, It is preferable that the interest rate adjuster generates the log information of the additional service ledger 210 for resetting / correcting the service ledger 210 and stores the log information in the additional service log D / B, or In the case where the interest rate for the compound account is recovered from the account opening server 200 to one or more non-face-to-face transaction servers 205, the supplementary service managing director 215 transmits the interest- And deletes it from the compound ledger 225 or the customer ledger 230 and generates log information of the additional service ledger 210 for deleting the interest rate adjuster service ledger 210 and stores it in the additional service log D / .

Alternatively, when a taxable / non-taxable setting for the complex account is requested (or set) from the account opening server 200 to at least one non-face-to-face transaction server 205 associated with the ledger system (or financial system) The service management director 215 activates the tax additional service ledger 210 and adds the tax added service ledger 210 to the multiple account ledger 225 or the customer ledger 230 and then transmits the additional service ledger 210 for adding the tax additional service ledger 210 210) log information is generated and stored in the additional service log D / B, or the taxation / non-taxation setting condition for the complex account is stored from the account opening server 200 to one or more non-facing transaction servers 205 The supplementary service management ledger 215 determines whether the supplementary service ledger 210 related to the taxable / non-taxable setting is activated when the taxable supplementary service ledger 210 is activated, It is preferable that the additional service ledger 210 log information for resetting / correcting the tax additional service director 210 is generated and stored in the additional service log D / B after the bill is modified (or updated) The additional service management director 215 deactivates the tax addition service ledger 210 when the tax refund / non-taxable setting condition for the complex account is restored from the non-face value transaction server 200 to the non-face transaction server 205 It is preferable that the additional service ledger 210 log information for deleting the tax addition service ledger 210 is deleted and stored in the additional service log D / B after deleting it from the compound ledger 225 or the customer ledger 230 Do.

Alternatively, when the fee adjustment for the complex account is requested (or set) from the account opening server 200 or one or more non-face-to-face transaction servers 205 associated with the ledger system (or financial system) The ledger 215 activates the fee adjuster service ledger 210 and adds the service ledger 210 to the combined account ledger 225 or the customer ledger 230. The ledger 215 activates the supplementary service ledger 210 for adding the fee adjuster added service ledger 210 210) log information and stores the log information in the additional service log D / B. Alternatively, the fee for the complex account may be reset / modified from the account opening server 200 to one or more non-facing transaction servers 205 The supplementary service management ledger 215 receives the supplementary service ledger 210 information related to the fee adjustment in a state where the fee adjuster supplementary service ledger 210 is activated It is preferable to generate the additional service ledger 210 log information for resetting / modifying the service reordering service leader 210 and store the log information in the additional service log D / B after the modification (or update) Facsimile transaction server 205 to the supplementary service management ledger 215, the fee adjustment section deactivates the service ledger 210 to make the composite It is preferable to generate the additional service ledger 210 log information for deleting the fee adjustment service provider ledger 210 after deleting it from the account ledger 225 or the customer ledger 230 and store it in the additional service log D / .

Alternatively, when the payment support for the complex account is requested (or set) from the account opening server 200 or one or more non-face-to-face transaction servers 205 associated with the ledger system (or financial system) The ledger 215 activates the payment support service ledger 210 and adds the service ledger 210 to the multiple account ledger 225 or the customer ledger 230 and then adds the service ledger 210 210) log information and store it in the additional service log D / B. Alternatively, the settlement support condition for the complex account may be reset / reset from the account opening server 200 or one or more non-facing transaction servers 205, When the payment service providing unit 210 is activated, the supplementary service managing director 215 may modify the supplementary service ledger 210 information related to the payment support It is preferable that the payment supporting unit 210 generates log information of the additional service ledger 210 for resetting / modifying the service ledger 210 and stores the log information in the additional service log D / B. Alternatively, the account opening server 200 To the non-face-to-face transaction server 205 from the non-face-to-face transaction server 205, the supplementary service management director 215 deactivates the payment support service ledger 210, It is preferable that the payment support unit 210 deletes the service ledger 210 log information from the ledger 225 or the customer ledger 230 and stores it in the additional service log D / .

Alternatively, when the billing / receipt setting for the complex account is requested (or set) from the account opening server 200 to one or more non-face-to-face transaction servers 205 associated with the ledger system (or financial system) The service management director 215 activates the service ledger 210 to add the service ledger 210 to the multiple account ledger 225 or the customer ledger 230 and then the billing / It is preferable that the additional service ledger 210 log information is generated and stored in the additional service log D / B. Alternatively, the billing server 200 / In the case where the storage setting condition is reset / modified, the supplementary service managing director 215 determines whether or not the supplementary service related to the billing / storing setting in the state in which the billing / It is preferable that the billing / storing section 210 generates log information of the additional service ledger 210 for resetting / correcting the service ledger 210 and stores the log information in the additional service log D / B after the information 210 is updated (or updated) Or if the charging / receiving setting condition for the multiple account is restored from the account opening server 200 to one or more non-facing transaction servers 205, The service provider 210 deactivates the service provider ledger 210 and deletes the service provider ledger 210 from the combined account ledger 225 or the customer ledger 230 and then the billing / It is preferable to store it in the D / B as an additional service.

Alternatively, when the record information extension for the complex account is requested (or set) from the account opening server 200 or one or more non-face-to-face transaction servers 205 associated with the ledger system (or financial system) The management ledger 215 activates the record information expanding part service ledger 210 to add it to the combined account ledger 225 or the customer ledger 230 and then adds the record information expanding part to the service ledger 210 It is preferable to generate the log information of the service ledger 210 and store the log information in the additional service log D / B or to expand the log information from the account opening server 200 to one or more non-facing transaction servers 205 The supplementary service managing director 215 determines that the additional information service extension 210 related to the extension of the record information in the state in which the record information expander service ledger 210 is activated It is preferable that after the information of the ledger 210 is modified (or updated), the additional information ledger 210 log information for re-setting / modifying the recorded information expander service leader 210 is generated and stored in the additional service log D / B Or when restoring the record information extension to the complex account from the account opening server 200 to one or more non-face transaction servers 205, the supplementary service management director 215 updates the record information extension service After deleting the ledger 210 from the compound ledger 225 or the customer ledger 230 and generating the log information of the additional service ledger 210 for deleting the recorded information expander service ledger 210, Log D / B.

According to the present invention, the ledger operation interface 220 includes an account opening channel for opening the non-face-to-face transaction complex account on the ledger system (or financial system) at the account opening server 200, The non-face-to-face transaction server 205 interfaces with the ledger system (or financial system) to interface with a financial transaction channel for processing one or more non-face-to-face financial transactions (or payment settlement) A system for managing (e.g., a database management system), comprising: one or more ledger creation requests requested from the account opening server (200) to one or more non-facing transaction servers (205); various ledger information storage / (210) to the multiple account ledger (225) to the customer ledger (230) The.

According to the embodiment of the present invention, when the opening of the complex account for non-face-to-face transaction is requested from the account opening server 200, the ledger operation interface 220 transmits, to the ledger system The customer ledger 230 and the combined account ledger 225 and one or more additional service ledgers 210 corresponding to the non-face-to-face transaction multiple account are created on the customer ledger 230 and the complex ledger It is preferable to process the additional service management ledger 210 so that one or more additional service ledgers 210 are added to or deleted from the multiple account ledger 225 or the customer ledger 230 .

Alternatively, if a non-face-to-face financial transaction through the non-face-to-face transaction is requested from one or more non-face-to-face transaction servers 205, the ledger operation interface 220 may issue a compound account ledger 225 or the customer ledger 230 and confirms one or more additional service ledgers 210 added to the multiple account ledger 225 or the customer ledger 230 via the additional service management ledger 215, Face transaction multiple accounts set through the verified supplementary service ledger 210 and then confirms various attributes / conditions of the non-face-to-face transaction based on various attributes / conditions of the verified non-face-to-face transaction multiple account It is preferable that the non-face-to-face financial transaction for the account is processed and applied to the compound account ledger 225.

Alternatively, if it is requested to add one or more additional service ledgers 210 from the account opening server 200 to one or more non-facing transaction servers 205 to the multiple account ledger 225 or the customer ledger 230, The operation interface 220 creates (or confirms) one or more additional service ledgers 210 to be added to the compound ledger 225 or the customer ledger 230, It is preferable to activate one or more additional service ledgers 210 that have been confirmed (or confirmed) to be added to the combined account ledger 225 to the customer ledger 230, It is preferable to preferentially apply the attribute / condition of the service ledger 210.

Alternatively, if it is requested to delete one or more additional service ledgers 210 from the account opening server 200 or one or more non-facing transaction servers 205 from the multiple account ledger 225 or the customer ledger 230, The operation interface 220 checks whether the at least one additional service ledger 210 requested to be deleted is added to the compound ledger 225 or the customer ledger 230 through the additional service management ledger 215, When it is confirmed that the deletion subject supplementary service ledger 210 has been added to the compound ledger 225 or the customer ledger 230, the deletion subject supplementary service ledger 210 is deactivated through the supplementary service management ledger 215 To the combined ledger 225 or the customer ledger 230. In such a case, it is preferable that the complex ledger 225 preferentially apply the self property / condition .

Alternatively, one or more ledgers (for example, the customer ledger 230, the complex ledger 225, the one or more ledgers) included in the non-face-to-face transaction complex account from the account opening server 200, (Or update) of the ledger information to the ledger management interface 220, the ledger management interface 220 checks the ledger to be revised (or updated) It is preferable to modify (or update) the included ledger information into the revised (or updated) ledger information.

FIG. 3 is a diagram illustrating a process for opening a multiple account for non-face-to-face transaction according to an embodiment of the present invention.

FIG. 3 is a flow chart illustrating an example of a method for setting up the customer information, the account setting information, the loan setting information, and the non-face authentication information in the client terminal on the financial account opening system shown in FIG. When the account opening request information is transmitted to a financial institution, the financial institution reads the account opening request information and authenticates the validity of opening the complex account for non-face-to-face transactions. In the technical field of the present invention, If the person skilled in the art has knowledge, referring to and / or modifying FIG. 3, various execution methods (for example, omitting some steps or changing the order) for the process of opening a complex account for non-face-to-face transactions However, it should be understood that the present invention includes all such contemplated embodiments, The technical features thereof are not limited by the implementation method shown on the face 3 only.

Hereinafter, in FIG. 3, a client terminal on the financial account opening system shown in FIG. 1 is referred to as a "terminal" for convenience, and the account opening server 200 is referred to as a "server" for convenience.

Referring to FIG. 3, the terminal accesses the server through a communication network to connect to a communication channel, registers non-face authentication information for opening a complex account for non-face-to-face transactions, Non-face authentication is performed (300).

According to an embodiment of the present invention, the terminal accesses the server and performs non-face authentication including at least one of ID / PW registration and / or issuance / re-issuance of an authorized certificate for registering the non-face- And performs non-face authentication for opening the complex account for non-face-to-face transactions through the registered ID / PW and / or the public certificate (or other certificate).

If the non-face authentication for opening a non-face-to-face transaction is confirmed 305, the terminal requests a web page for opening a non-face-to-face transaction in the server 310, Creates one or more web pages including one or more complex account opening user interfaces for inputting (or selecting) the account opening request information including at least one of the customer information, the account setting information, the loan setting information and the non-face authentication information (Or extracts) (315), transmits one or more web pages including one or more user interfaces for opening a multiple account to the terminal according to a predetermined web page providing procedure, and outputs the web page to the terminal (320) Through one or more multiple account opening user interfaces included in one or more of the received and outputted web pages, Information and account setup information and loan setting information and the non-face-to-face authentication input the account opening request information including at least one information (or selected) and (325).

Here, the customer information included in the account opening request information may include personal information of the customer requesting the opening of the non-face value transaction complex account (for example, the name of the customer, a resident registration number, an address, a telephone number, (For example, ID / PW information allocated to the customer by the customer joining the financial transaction customer of the financial institution, etc.), and the like.

The account setting information included in the account opening request information may include basic setting information for the non-face-to-face transaction complex account, interest rate adjustment of the complex account, adjustment of taxes, fee adjustment, billing / billing, And additional service setting information for the additional service.

Here, the basic setting information of the account setting information may include: account setting information for generating financial account information for the non-face-to-face transaction multiple account, and request charge setting information for setting transaction attributes of the non-face- Mileage / coupon setting information for providing the mileage / coupon through the complex account for non-face-to-face transaction, and a mileage / coupon setting information for setting up a separate It is preferable to include at least one micro-loan setting information for approving the loan without reviewing the loan.

Wherein the account setting information included in the basic setting information of the account setting information includes an account number corresponding to the financial account information for the non-face-to-face transaction multiple account, a financial institution number corresponding to the non-face- (Or code), an account alias, and information for issuing an account linkage card.

The request payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) the demand payment transaction attribute in the non-face value transaction complex account, (Or activating) the accumulation-type transaction attribute in the complex account for face-to-face transaction, and the setting data includes information for setting (or activating) the deferment transaction attribute in the complex account for non-face-to-face transactions And the resale linkage setting information includes information for setting (or activating) a resale link transaction attribute (for example, an investment product link attribute) in the non-face value transaction multiple account.

According to an embodiment of the present invention, the non-face-to-face transaction multiple account preferably includes at least one transaction attribute (for example, a combination of a plurality of transaction attributes) of the requested property, the accumulation attribute, the diversion attribute and the resale attribute .

In addition, the micro-loan setting information included in the basic setting information of the account setting information may be a small-amount range set without a credit / security check according to the request of the customer (or the predetermined loan policy) It is preferable to include information for approving the loan without a separate loan check.

According to an embodiment of the present invention, at the time of establishing a non-face-to-face transaction complex account in an unrecognized state among the basic setting information of the account setting information, one of the request payment setting information, the accumulation type setting information, the riding type setting information and the mileage / coupon setting information Or more is set by the customer and one or more setting information that is not set at the account opening time out of the demand setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information is set in the non- The settlement setting information and the micro-loan setting information among the basic setting information of the account setting information are set by the customer manually (or automatically by the financial institution policy) After confirming the real name, the customer manually (or automatically by financial institution policy) To be set is preferably a).

According to another embodiment of the present invention, among the basic setting information of the account setting information, at the time of opening the compounded account for a non-face-to-face transaction in the unrecognized state, the request payment setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information It is preferable that at least one of the basic setting information of the account setting information is automatically set by the financial institution policy. In this case, the demand setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information among the basic setting information of the account setting information may be omitted. However, one or more pieces of setting information, which is not set at the account opening time, among the request payment setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information may be manually set by the customer in the non- (Or automatically by a financial institution policy), and the resale linkage setting information and the micro-loan setting information among the basic setting information of the account setting information may be set to be the same as the customer's real name (Or automatically by a financial institution policy).

According to another embodiment of the present invention, among the basic setting information of the account setting information, at the time of opening the compounded account for a non-face-to-face transaction in the unrecognized state, the request payment setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information It is preferable that at least one is set manually (or automatically by a financial institution policy) by the customer, and it is not set at the account opening time among the request payment setting information, the payload setting information, the riding type setting information and the mileage / coupon setting information And the resale linkage setting information and the micro-loan setting information are set manually (or automatically by the financial institution policy) by the customer after confirming the real name for the non-face-to-face transaction multiple account .

The additional service setting information of the account setting information may include at least one of an interest rate adjusting unit service setting information, a tax addition service setting information, a fee adjustment service unit setting information, a payment support unit service setting information, The billing / storage unit service setting information, and the record information expanding unit service setting information.

The interest rate adjustment unit service setting information included in the additional service setting information of the account setting information may include a contract term interest addition / discount (for example, between a customer and a financial institution) for the non-face- (For example, by adding interest rates by promoting a financial institution (or affiliated organization), or by discounting the loan interest rate), re-entering / Add / discount long-term interest rate (eg, add customer interest by re-joining a customer or keeping an account for a long time, discounting a loan rate), adding / subtracting a mileage cumulative interest rate (eg, from a financial institution Including adding the receiving interest rate based on accumulated accumulated mileage, or discounting the loan interest rate). It is.

The tax additional service setting information included in the additional service setting information of the account setting information may include taxation / non-taxation (for example, taxation) for a specific period (for example, a contract term) for the non-face- , A complex account for non-face-to-face transactions, or one or more transaction attributes contained in the non-face-to-face transaction).

The fee adjustment service setting information included in the additional service setting information of the account setting information may be used for a specific period (for example, a contract period, a promotion period, or the like) for the non-face-to-face transaction multiple account without additional account opening / (Eg, reduction of commission by agreement between customer and financial institution), reduction of commission by promotion (for example, reduction of commission by the inclusion (or subscription) of customer in promotion of financial institution (or affiliated organization)), commission It is preferable that information including coupon exchange (for example, information provided by a financial institution (or an affiliated organization) or a fee reduction through a coupon reduction fee purchased by a customer) is set.

The settlement support service setting information included in the supplementary service setting information of the account setting information may include at least one of a payment transfer through the complex account for non-face-to-face transactions or a card payment process through a card associated with the non- (For example, a mileage accumulation provided by a financial institution (or affiliated organization) in response to a settlement process), fund support (for example, a fund operator (a national agency / local device group (Or all) of the settlement approval through the funds provided to the customer by the financial institution (or the pension operator who manages the pension), the settlement fee reduction Promotional, or payment attributes), exchange of discount coupons through mileage (for example, mileage over a predetermined rate is reduced Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the cooperation of a service provided with specific partners.

The billing / storing section service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face transaction multiple account without additional account opening / closing (for example, (For example, the name of a compound account for a non-face-to-face transaction) for a certain period of time), providing a disposable storage account (For example, providing a one-time account for creating a receipt), a virtual account for classifying the deposit account (e.g., accepting a charge from one or more billing entities to the customer (= a non-face-to-face transaction multiple account) (For example, automatic billing by the billing institution), electronic bill payment management (for example, through a communication network) The ever paid billing agency specific charge through the electronic bill charged), escrow (Escrow) (e. G., Be made of, including information set up at least one intermediate account) it is preferable to pay the charge by charge engine.

The record information expanding unit service setting information included in the additional service setting information of the account setting information may be recorded in the deposit account information for the merchant (or SOHO) in the non-face-to-face transaction multiple account without newly adding / For example, the deposit history information of the merchant (or SOHO) is classified and recorded in accordance with one or more criteria), automatic payment of the scheduled amount of deposit (for example, a receivables secured loan), a deposit amount classification / (For example, classification and counting of the amount of money deposited into the transaction complex account based on one or more criteria), and information for setting one or more pieces of deposit and withdrawal information (for example, deposit history information or withdrawal history information record for a non-face- .

According to the embodiment of the present invention, at the time of opening the compounded account for the non-face-to-face transaction in the unrecognized state of the additional service setting information of the account setting information, the interest rate adjusting unit may set the service setting information, the tax additional service setting information, It is preferable that at least one of the payment support service setting information, the billing support service setting information, and the record information expanding service setting information is set manually (or automatically by the financial institution policy) by the customer, The fee setting service setting information, the billing / support service setting information, and the record information expanding unit service setting information are not set at the account opening time One or more pieces of configuration information may be used for the non- (Or automatically by the financial institution policy) by the customer (after confirming the real name for the non-face-to-face transaction).

If the person skilled in the art is familiar with the present invention, the above-mentioned interest rate adjuster service setting information, tax addition service setting information, fee adjustment service setting information, billing support service setting information, billing / It is possible to deduce one or more additional service setting information in addition to the information, record information extension service setting information, and it is evident that the present invention includes all the additional service setting information that can be guessed.

The loan setting information included in the account opening request information may be a non-face-to-face type credit check for the non-face-to-face transaction multiple account without separate face-to-face check (for example, a customer visits a financial institution and face- (Non-face-to-face) without a separate face-to-face confirmation (for example, a customer visiting a financial institution and face-to-face authentication through an ID card) It is desirable that the information includes at least one of the mortgage loan setting information for application, examination and approval.

Here, if the real name of the compound account for non-face-to-face transaction is confirmed (for example, customer real name authentication through face-to-face verification) after the non-face-to-face transaction multi account for non-face- Information for requesting a credit loan in a non-face-to-face manner without checking face to face with the customer on the basis of the confirmation, and setting the credit application to be reviewed and approved by the financial institution in response thereto, A password for requesting a loan).

If the real name of the compound account for non-face-to-face transactions is confirmed (for example, the real name of the customer is verified by face-to-face verification) after the non-face-to-face transaction multi account for non-face- The information on the mortgage loan application (for example, a mortgage loan application (for example, a mortgage loan application), a mortgage loan application request For example, a password for the user.

According to an embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of a person skilled in the art. In such a case, the loan setting information may be stored in the non- (Or automatically by a financial institution policy) by the customer after the confirmation of the real name for the combined account for the customer.

The non-face authentication information included in the account opening request information includes the validity of a customer opening a non-face-to-face transaction through a communication network in an unspecified state (= unblinded state through face-to-face verification) Authentication information based on the ID / PW-based authentication information and the authorized certificate-based authentication information, and stores the registered password for opening account in the non-face-to-face authentication process provided in the account opening server 200 according to the intention of a person skilled in the art .

According to an embodiment of the present invention, the non-face authentication information may be omitted in the account opening request information according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

If the account opening request information including one or more of the customer information, the account setting information, the loan setting information, and the non-face authentication information is input (or selected) (330) through the user interface for opening the compound account, (Or selected) account opening request information to the server through the channel (335), and in response to receiving the account opening request information through the communication channel, the server opens the account opening request information (340) the validity of opening the complex non-face-to-face transaction.

According to an embodiment of the present invention, when the account opening request information is encrypted according to an encryption / decryption method, the server decrypts the account opening request information according to the encryption / decryption method, It is desirable to confirm whether the validity for opening a multiple account for non-face-to-face transactions is satisfied.

Alternatively, if an electronic signature is attached to the account opening request information, the server confirms the electronic signature attached to the account opening request information so that the account opening request information is valid for opening the complex account for non- It is preferable to confirm whether or not it is satisfied.

If a person skilled in the art is familiar with the technical aspects of the present invention, it is possible to provide a technical characteristic of various decryption methods for decrypting the encrypted account opening request information and a technical characteristic of confirming the digital signature attached to the account opening request information The detailed description thereof will be omitted for the sake of convenience.

According to an embodiment of the present invention, the multiple account open validation confirmation for the non-face-to-face transaction using the account open request information is performed by using a one-to-one correspondence with the account open request information in a ledger system (or financial system) And confirming whether the above-mentioned ledger is already registered.

For example, the validity confirmation of the opening of a non-face-to-face transaction using the account opening request information is performed when the customer information (customer personal information, member information, etc.) included in the account opening request information is displayed in a ledger linked to the financial account opening system (Or financial system), and it is preferable that the customer ledger 230 matching the account opening request information is registered in the ledger system (or the financial system) , It is preferable to confirm whether the account opening request information satisfies the validity for opening the complex non-face-to-face transaction.

If the non-face authentication information is included in the account opening request information according to the embodiment of the present invention, the non-face-to-face transaction validation confirmation through the account opening request information further includes authenticating the non-face authentication information .

If the validity of the non-face-to-face transaction is not authenticated (345), the server generates the complex account opening error information and transmits the error information to the terminal (350).

On the other hand, if the validity of the non-face-to-face transaction is confirmed (Step 345), the server transmits the requested payment, the deposit, the settlement, the resale linkage, the mileage / coupon, (Or automatically) according to customer selection (or financial institution policy), such as interest rate adjustment, taxation, commission adjustment, settlement support, billing / Establish a complex account for non-face-to-face transactions.

FIGS. 4A and 4B illustrate a process of opening a multiple account for non-face-to-face transactions according to an embodiment of the present invention.

4A and 4B are diagrams for explaining the process of opening a complex account for non-face-to-face transaction in FIG. 3 from the client terminal shown in FIG. 1 through the customer information, account setting information, When the account opening request information including one or more pieces of authentication information is received and the validity for opening of the non-face value transaction multiple account is authenticated, the account opening server 200 shown in FIG. (225) system in combination with the non-face-to-face transaction function including one or more of the above-mentioned demand, charge, settlement, resale linkage, mileage / coupon, Opening a multiple account for non-face-to-face transactions where bills / receipts, record information extensions, etc. are manually (or automatically) escaped according to customer choice (or financial institution policy) 4a and 4b, it is possible to perform various methods of opening the complex non-face-to-face transaction (for example, refer to FIG. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Is not limited.

For example, FIGS. 4a and 4b illustrate a customer ledger 230, a complex ledger 225, and a ledger for the non-face-to-face transaction multiple account, and then create one or more The additional service ledger 210 is created and added to the multiple account ledger 225 or the customer ledger 230. The process of opening the multiple account for non-face-to-face transaction of the present invention is, however, The process of opening the complex non-face-to-face transaction according to the present invention may be performed by simultaneously creating the customer ledger 230, the multiple account ledger 225 and the loan ledger and one or more additional service ledgers 210, It is evident that the service ledger 210 is created after the customer ledger 230, the combined account ledger 225 and the ledger are created after all.

Hereinafter, in FIG. 4A and FIG. 4B, the account opening server 200 in the financial account opening system shown in FIG. 1 is referred to as a "server" for the sake of convenience.

Referring to FIGS. 4A and 4B, an account open request request message including at least one of customer information, account setup information, loan setup information, and non-face authentication information, When the validity of the non-face-to-face transaction is confirmed and the validity of opening the complex account for non-face-to-face transaction is authenticated, the server extracts, based on the customer information included in the account opening request information, Generates information on the ledger 230, generates information on the complex account ledger 225 for the financial account corresponding to the non-face-to-face transaction complex account based on the account setting information, (400) for generating a general ledger information for a complex account for face-to-face transactions, and a ledger system (200), a complex account ledger (225), and a ledger (400) corresponding to the financial account corresponding to the non-face-to-face transaction multiple account.

According to an exemplary embodiment of the present invention, the server may include a customer ledger (230) to be stored in the customer ledger (230) for a financial account corresponding to the non-face-to-face transaction multiple account based on the customer information included in the account opening request information 230 < / RTI >

Here, the information on the customer ledger 230 may include personal information of a customer (for example, a name of a customer, a resident registration number, an address, a phone number, a mobile phone number, an e-mail address) included in the customer information of the account opening request information, (E.g., a customer information file (CIF), etc.) to be allocated to the customer.

The server may further include basic account ledger information for the financial account corresponding to the non-face-to-face transaction complex account, demand filed information, payable ledger information It is preferable to generate the information of the complex account ledger 225 including at least one of the following information, the landing ledger information, resale linkage ledger information, mileage / coupon ledger information, and microloan ledger information.

Here, the basic account ledger information includes an account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= the account number of the non-face- (Or representative account number), and further includes at least one financial institution number (or code) corresponding to the non-face-to-face transaction multiple account and an account alias, And when the card is issued, further comprising card information corresponding to the account linkage card.

Wherein the demand filing information includes the request charge attribute information of the non-face value transaction complex account set through demand charge setting information among the basic setting information of the account setting information included in the account opening request information, And the generated demanded account number (= the requested account number of the non-face-to-face transaction complex account), and furthermore, the requested deposit amount information set to the initial value '0'.

Wherein the accumulation-type ledger information includes accumulation-type attribute information of the non-face-tradable transaction complex account set through the accumulation-type setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the created accumulation account number (= the accumulation sub account number of the non-face-tradetion complex account), and further include the accumulation amount information set to the initial value '0'.

Wherein the deferred ledger information includes rerecorded attribute information of the non-face value transaction complex account set through the rerecorded setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the generated deferred account number (= deferred deed account number of the non-face-to-face transaction complex account) and further include the deferment amount information set to the initial value '0'.

Wherein the resale linkage ledger information includes resale linkage attribute information of the non-face value transaction complex account set through the resale linkage setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include a resale linkage account number (= resale linkage account number of the complex account for non-face-to-face transaction) generated through setting information, and further include resale linkage amount information set to an initial value of '0' .

Wherein the mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face transaction multiple account set through the mileage / coupon setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable that the mileage / coupon account number (= value-type sub account number for mileage / coupon management of the non-face-to-face transaction multiple account) generated through the mileage / coupon setting information is further included. Mileage / coupon value information set to " mileage / coupon value information ".

Wherein the micro-loan origination information includes micro-loan property information of the non-face-to-face transaction complex account set through micro-account loan setting information among basic setting information of the account setting information included in the account opening request information, And the micro-loan account number (= the micro-loan account number of the non-face-to-face transaction multiple account) generated through the setting information, and further includes the micro-loan amount information set to the initial value '0' .

According to another embodiment of the present invention, if at least one of the request charge setting information, the payout type setting information, the riding type setting information, the resale linkage setting information, the mileage / coupon setting information and the micropayment setting information is omitted in the account opening request information, The server does not generate the above-mentioned ledger information. In this case, the omitted ledger information may be used for the non-face-to-face transaction (or after confirming the real name of the non-face-to-face transaction) (Or automatically by a financial institution policy).

In addition, the server may further include, based on the loan setting information included in the account opening request information, a credit history information on the financial account corresponding to the non-face-to-face transaction multiple account, It is preferable to generate information.

Here, the credit loan information includes credit loan condition information of the non-face-to-face transaction complex account, which is set through credit loan setting information among loan setting information included in the account opening request information, (= Credit account number of the non-face-to-face transaction multi-account account) generated by the credit card account number generation means desirable.

The mortgage lending information includes mortgage loan condition information of the non-face-to-face transaction complex account, which is set through the mortgage loan setting information among the loan setting information included in the account opening request information, And the generated mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction multi account), and further comprises mortgage loan amount information set to an initial value of '0' .

According to another embodiment of the present invention, if at least one of the credit loan setting information and the secured loan setting information is omitted in the account opening request information, the server preferably does not generate the omitted ledger information, It is preferable that the omitted ledger information is set manually (or automatically by a financial institution policy) by the customer in the process of using the non-face-to-face transaction multiple account (or after checking the real name for the non-face-to-face transaction) Do.

Also, the server confirms a ledger system (or a financial system) that manages a ledger for the non-face-to-face transaction, and displays the financial information corresponding to the non-face-to-face transaction on the ledger system It is desirable to create a customer ledger 230, a combined account ledger 225, and a ledger for the account.

Here, the customer ledger 230 preferably includes one or more information fields for storing customer personal information, member information, and customer number included in the generated customer ledger 230 information, Field is preferably initialized to a null value.

The complex account ledger 225 stores an account number (= representative account number of the non-face-to-face transaction multiple account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, And a basic account ledger including at least one information field for further storing the financial institution number (or code) and the account alias corresponding to the non-face-to-face transaction multiple account, and further storing the account association card information , And each information field of the basic account ledger is preferably initialized to a null value.

Also, the compound ledger 225 stores the demand-attribution information included in the demand-ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and generates the requested account number (= And a payment request field including at least one information field for further storing the required payment amount information, and each information field of the request charge field is a NULL value It is preferable to be initialized.

The complex account ledger 225 stores the accumulation-type attribute information included in the accumulation-type ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and stores the generated accumulation account number (= And an accumulation type ledger including at least one information field for further storing the accumulation amount amount information, wherein each information field of the accumulation type ledger is a NULL value It is preferable to be initialized.

Also, the compound ledger 225 stores dummy attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated dummy account number (= And at least one information field for storing further information about the door type value, wherein each information field of the door type ledger is a NULL value It is preferable to be initialized.

Also, the compound ledger 225 stores the resale linkage attribute information included in the resale linkage ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and stores the generated resale linked account number (= A resale linkage ledger including at least one information field for further storing resale linkage amount information, and a resale linkage ledger including at least one information field of resale linkage ledger Is preferably initialized to a null value.

Also, the compound ledger 225 stores mileage / coupon attribute information included in the mileage / coupon ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and stores the generated mileage / coupon account number Mileage / coupon ledger including one or more information fields for further storing mileage / coupon value information (= value-type sub account number for mileage / coupon management of the non-face value transaction multiple account) and mileage / coupon value information Preferably, each information field of the mileage / coupon ledger is initialized to a NULL value.

Also, the compound bank account ledger 225 stores the micro-loan property information included in the micro-credit card information on the financial account corresponding to the non-face-to-face transaction multiple account, and the generated micro- And a micro-credit field including at least one information field for further storing micro-credit amount information of the micro-credit field of the compound account for non-face-to-face transactions, Field is preferably initialized to a null value.

According to another embodiment of the present invention, if at least one of the requested requisition information, the accumulation-type ledger information, the transfer type ledger information, the resale linkage ledger information, the mileage / coupon ledger information, and the micro- It is preferable that the omitted ledger does not generate the ledger matched with the omitted ledger information. In this case, the omitted ledger may be used for the non-face-to-face transaction using the complex account (or after confirming the real name for the non-face- It is desirable to be set manually by the customer (or automatically by financial institution policy).

The loan manager stores credit loan condition information (for example, condition information for requesting, reviewing, and approving a credit loan in a non-face-to-face manner) included in credit loan origination information corresponding to the non-face- One or more information fields for further storing the generated credit loan account number (= credit loan account number of the non-face-to-face transaction multiple account), credit loan amount information, customer credit rating information, , And each information field of the credit card issuance field is preferably initialized to a NULL value.

Also, the lending director stores the secured loan condition information (for example, condition information for requesting, screening, and approving the secured loan) in the non-face-to-face transaction type combined account information And further stores the generated mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction multiple account), the mortgage loan amount information, the customer's mortgage object information, And an information field including the above information field. Preferably, each information field of the secured lending facility is initialized to a NULL value.

According to another embodiment of the present invention, if at least one of the credit loan ledger information and the secured loan information is omitted by the server, the server preferably does not generate a ledger matching the omitted ledger information, In this case, the abbreviated ledger is set manually (or automatically by the financial institution policy) by the customer in the process of using the non-face-to-face transaction (or the real name verification of the non-face-to-face transaction) desirable.

The customer ledger 230, the combined account ledger 225 and the credit ledger for the financial account corresponding to the non-face-to-face transaction multiple account are created in the ledger system (or the financial system) When the complex ledger 225 and the customer ledger 230 corresponding to the loan ledger are separately generated 410 and the combined ledger 225 and the ledger information are generated 410, Stores the information of the customer ledger 230 in the customer ledger 230 and stores the information of the complex ledger 225 in the combined ledger 225 and stores the ledger information in the ledger (420).

If the customer ledger 230 generated in the ledger system (or the financial system), the customer ledger 230 information corresponding to the multiple account ledger 225 and the loan ledger, the combined account ledger 225 information and the ledger information If the account opening request information is stored (420), the server reads the account opening request information and determines whether at least one additional service setting information valid in the account setting information included in the account opening request information is included (425).

If it is confirmed that one or more additional service setting information valid in the account opening request information is included in the account opening request information, the server adds one or more additional service ledger 210 information corresponding to the verified additional service setting information (435) information on one or more automatic setting service provision ledgers (210) automatically set in the non-face-to-face transaction multi-account according to the policy of the financial institution (435) And generates at least one additional service ledger 210 corresponding to the generated additional service ledger 210 information in correspondence with the account ledger 225 or the customer ledger 230 in operation 440.

Here, the additional service ledger 210 information generated through the additional service setting information included in the account opening request information may include information on the interest rate adjuster service leader 210, information on the tax supplementary service 210, Information on one or more supplementary service ledgers 210 among the information on the ledger 210, information on the payment support service provider 210, information on the billing / storage service provider 210, and information on the extension server 210 of the record information extension service 210 .

The information of the interest rate adjuster service leader 210 may include a contract term interest rate addition / discount (for example, a credit interest rate during a contract period between a customer and a financial institution) for the non-face- Or a promotional interest rate addition / discount (for example, by promoting a financial institution (or an affiliate organization)) to add / delete the addition / deletion as an attribute of the non-face- (For example, adding a reception interest rate or discounting a credit interest rate) to / from the composite account for the non-face-to-face transaction, adding / removing the re-entry / long- To add or subtract a credit interest rate as a property of the non-face-to-face transaction, (For example, adding a receiving interest rate or discounting a credit interest based on accumulated mileage accumulated in a financial institution (or an affiliated organization)) as an attribute of the non-face-to-face transaction And deletion / deletion of the ledger information.

The tax incentive service ledger 210 information may include information on taxable / non-taxable (for example, a non-face-to-face transaction, a non-face-to-face transaction, Or taxation / non-taxation of at least one transaction attribute included in the non-face-to-face transaction in the composite account for non-face-to-face transactions) as an attribute of the non-face-to-face transaction complex account Do.

The information of the fee adjuster service provider 210 may include a commission reduction (for example, a contract with a customer) for a specific period (for example, a contract period or a promotion period) for the non-face- (Eg, a reduction in commission due to a contract between financial institutions) is added / deleted as an attribute of the non-face-to-face transaction, and the fee is deducted from the promotional fee (for example, (For example, a financial institution (or an affiliated organization) provides the information of a director, a commission coupon (for example, provided by a financial institution (or an affiliate organization) A commission reduction fee through a commission reduction coupon purchased by the customer) is added / deleted as an attribute of the non-face-to-face transaction composite account, It is preferable that the information includes at least one piece of chapter information.

The settlement support service provider 210 information may include information on the account settlement through the complex account for non-face-to-face transactions or the card settlement process through the card associated with the non-face- (For example, mileage accumulation provided by a financial institution (or alliance organization) in response to a settlement process) is added / deleted as an attribute of the non-face value transaction complex account, (Or all) of the payment approval through the fund provided to the customer by the operator (the national institution / local apparatus group operating the welfare fund, the insurance company operating the insurance money, the pension operator managing the pension, etc.) Information of a general ledger to add / delete as a property of a complex account for non-face-to-face transactions and detachment, payment fee reduction (for example, a financial institution (or affiliate agency) Motion, or settlement fee according to the payment attribute) as an attribute of the non-face-to-face transaction multiple account and removes it from the account information, exchange of discount coupon through mileage (for example, (For example, a discount by providing an affiliate service with a specific affiliate institution) is added to the non-face-to-face transaction multiple account And deletion / addition of one or more pieces of ledger information.

The billing / storing section service ledger 210 information is requested to the non-face-to-face transaction multiple account without additional account opening / closing (for example, the billing / (For example, a medium for storing billing information for requesting a bill of sale for a certain period of time) as an attribute of the non-face-to-face transaction complex account, A non-face-to-face transaction multiple account created by a customer (= a non-face-to-face transaction multiple account created) in order to accommodate the claimed charge, A virtual account for account classification (e.g., a bill received from one or more billing agencies to the customer (= the name of a non-face-to-face transaction multiple account) (For example, a virtual account for each billing institution) is added / deleted as an attribute of the non-face-to-face transaction account, (For example, payment of a bill amount by a billing institution via an electronic bill electronically charged through a communication network) as attributes of the non-face-to-face transaction A ledger for adding / deleting the ledger information for adding / deleting and removing / adding an escape (for example, an intermediary account for paying the billing fee for each billing institution) as an attribute of the non-face- It is preferable to include at least one piece of information.

The recording information expanding unit service ledger 210 information is information for recording deposit information for a merchant (or SOHO) (for example, SOHO (or SOHO)) in the non-face- (For example, by classifying and recording deposit history information on an account of an account of a customer) based on at least one criterion) as extension information of the non-face value transaction complex account, (For example, accounts receivable-secured loans) are added / deleted as an attribute of the non-face-to-face transaction account, so that the amount deposited to the complex account for non-face-to- (For example, classification and counting) is added / deleted as extension information of the non-face-to-face transaction complex account information, ledger information for leaving and leaving, deposit / withdrawal information Deposit history information or withdrawal history information record) as extension information of the non-face-to-face transaction multiple account to remove / add the withdrawal / withdrawal information.

In addition, the at least one automatic setting service service ledger 210 information automatically generated according to the policy of the financial institution may include information on the interest rate adjusting service service ledger 210, information on the tax attached service ledger 210, One or more supplementary services led by the financial institution policy among the information of the payment support service provider 210, information of the billing / storing service provider 210, information of the record information extension service provider 210, (210), and information on the real name verification service provider (210) for managing the real name verification of the non-face value transaction multiple account.

The information on the real name verification service provider 210 may include a transaction limit amount through the complex account for non-face-to-face transactions until a predetermined limit amount (for example, 500,000 won (For example, one or more of a micro-loan, a credit loan, and a mortgage loan) through the complex account for non-face-to-face transactions, It is preferable that the information includes at least one ledger information that restricts some (or all) of mileage / coupon earning.

According to the embodiment of the present invention, the information on the real name verification service provider 210 is preferably deleted after the face-to-face real name confirmation for the non-face-to-face transaction multiple account, It is preferable that the limit and restriction according to the unverified name of the user is canceled.

According to the embodiment of the present invention, the interest rate adjustment service service ledger 210 generated in the ledger system (or the financial system) corresponding to the generated information on the interest rate adjustment service service ledger 210, Information on the general ledger for adding / discounting interest rate included in the information of the service director (210) (for example, adding interest rate or discounting the loan rate during the agreement period due to agreement between the customer and the financial institution) (Eg, adding a receiving interest rate by promoting a financial institution (or an affiliate organization), discounting the loan interest rate), adding / discounting a reentry / long-term interest rate (for example, reentering a customer, (For example, adding a receiving interest rate or discounting a loan rate), adding / subtracting a mileage accumulated interest rate (for example, It is preferable to include one or more information fields for storing the ledger information for adding the reception interest rate or discounting the loan interest rate based on the accumulated mileage, and each information field of the interest rate adjustment service service ledger 210 It is preferably initialized to a null value.

Alternatively, the tax addition service ledger 210 generated in the ledger system (or the financial system) corresponding to the generated information on the taxable supplementary service ledger 210 may be included in the generated tax added service ledger 210 information Store ledger information for taxation / non-taxation (e.g., taxation / non-taxation for one or more transaction attributes contained in a complex account for non-face-to-face transactions or a complex account for non-face-to-face transactions) over a specified period of time , And each information field of the tax attached service ledger 210 is preferably initialized to a NULL value.

Alternatively, the fee adjustment service provider ledger 210 generated in the ledger system (or the financial system) corresponding to the generated fee adjuster service provider ledger 210 information may include information on the created fee adjuster service ledger 210 (For example, a fee reduction based on a contract between a customer and a financial institution) during a specific period (for example, a contract period or a promotion period) included in the financial institution, a fee reduction by promotion (Eg, a financial institution (or affiliate), or a fee reduction coupon purchased by a customer) for the purpose of reducing or eliminating the fee And one or more information fields for storing the ledger information for the commission adjustment), and the fee adjustment Go to each of the information fields in the service director 210 are preferably initialized to a null (NULL) value.

Alternatively, the payment support service provider 210, which is created in the ledger system (or the financial system) in response to the generated information of the payment support service provider 210, (For example, a fund manager (a government agency / local apparatus group that manages a welfare fund), and a fund manager (for example, a fund manager) for collecting mileage (for example, mileage accumulation provided by a financial institution (For example, a financial institution (or a financial institution) (or a financial institution (or a financial institution)) for the purpose of granting part (or all) of a payment approval through a fund provided to the customer by an insurance company (For example, a promotion of an affiliated organization) or reduction of a payment fee according to a payment attribute), discount coupon exchange through mileage (for example, (E. G., Mileage discount coupons), and one or more information fields for storing ledger information for alliance discounts (e. G., Discounts through alliance service offerings with specific alliance partners) It is preferable that each information field of the payment support attachment service field 210 is initialized to a NULL value.

Alternatively, the billing / storing section service ledger 210 generated in the ledger system (or the financial system) corresponding to the generated billing / storing section service ledger 210 information may be generated by the billing / 210) information included in the billing information included in the billing information (for example, a medium for storing billing information requested by the one or more billing institutions for the customer (= the name of the non-face-to-face transaction multiple account) for a certain period of time) (For example, providing a one-time account for creating a bill to be charged to the customer (= name of a non-face-to-face transaction) at one or more billing institutions), a virtual account For example, for one or more billing entities, a billing agency-specific virtual account to house the customer's billing (the name of a non-face-to-face transaction) (For example, payment of billing amounts by the billing institution via electronic billing electronically charged through a communication network), information of a bill for billing information , And an escrow (for example, an intermediary account for paying a billing amount by a billing institution), and the billing / storing part may include at least one information field for storing the ledger information for the service ledger 210, It is preferable that each of the information fields of the data field is initialized to a null value.

Alternatively, the recording information expanding service service ledger 210, which is generated in the above-described general ledger system (or financial system) corresponding to the generated information extension service extension 210 information, (For example, by classifying and recording depositing history information on an account of a merchant (or SOHO)) into a deposit information record for a merchant (or SOHO) included in the information 210 Information about the ledger for adding / deleting the extension account of the non-face-to-face transaction, extension information of the non-face-to-face transaction, extension account information for the non-face-to-face transaction, (Eg, classification and counting of the amount of money deposited into the account according to one or more criteria), deposit and withdrawal information (for example, deposit details information and withdrawal details for a non-face- Write) the information field of each, and preferably comprises at least one information field for storing the ledger information, the record information expansion supplementary service director 210 are preferably initialized to a null (NULL) value.

Alternatively, the blindness verifying service leader 210 generated in the ledger system (or the financial system) corresponding to the generated information on the blindness verifying service leader 210 may include a face-to- The information of the ledger that manages the transaction limit through the compound account for non-face-to-face transactions within a predetermined limit amount (for example, 500,000 won or 2,000,000 won) until the blindness is confirmed, one or more loans through the compound account for non- (For example, one or more of a micro-loan, a credit loan, and a mortgage loan), a one for storing the ledger information that limits part (or all) of the mileage / coupon accumulation for the non-face- The information field of the extended service information service center 210 is initialized to a NULL value, It is preferable.

One or more additional service ledgers 210 associated with the compound ledger 225 or customer ledger 230 are created in the ledger system (or financial system), and the generated additional service ledger 210 When the supplementary service ledger 210 information is generated 445, the server transmits one or more supplementary services 210 generated in association with the multiple account ledger 225 or the customer ledger 230 in connection with the ledger system (or financial system) Stores information on each additional service ledger 210 corresponding to the ledger 210 (450).

If each additional service ledger 210 information corresponding to each of the one or more supplementary service ledgers 210 generated in the ledger system (or financial system) is stored 455, The additional service ledger 210 storing the additional service ledger 210 information is added to the combined ledger 225 or the customer ledger 230 in operation 460.

According to the embodiment of the present invention, the server activates the supplementary service ledger 210 in which the supplementary service ledger 210 information is stored via the supplementary service management ledger 215 provided in the ledger system (or financial system) , It is preferable to process the additional service ledger 210 to be added to the multiple account ledger 225 or the customer ledger 230.

In addition, the server may include an additional service ledger 210 log information for adding the additional service ledger 210 to the multiple account ledger 225 or the customer ledger 230 in cooperation with the ledger system (or financial system) And stores it in the additional service log D / B provided in the ledger system (or the financial system) (step 465).

The additional service ledger 210 is added to the compound ledger 225 or the customer ledger 230 and the additional service ledger 210 log information corresponding to the additional service ledger 210 is added to the additional service log D / B (470), and if the complex non-face-to-face transaction is opened (430) in a state where one or more additional service setting information valid for the account opening request information is not included (430) And an account opening electronic document including financial account information for the financial account corresponding to the non-face-to-face transaction is generated (475).

According to the embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and is included in the account opening request information Face authentication result information based on the account setting information, the loan setting information, and the non-face authentication result information included in the account opening request information, and generates the electronic document information and the electronic document format including the at least one non- After the electronic document information is included, it is preferable to generate an account-opened electronic document with encryption or electronic signature according to a predetermined electronic document creation method.

According to an embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the complex non-face-to-face transaction, Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and generating a document file including the document content For example, a non-face-to-face transaction can be performed using a non-face-to-face transaction such as a portable document format (PDF) file or an electronic data interchange (EDI) file or a word processor file containing one or more HWP / It is desirable to process it as an account opening electronic document for account opening.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication information included in non-face authentication information included in the account opening request information, watermarking the electronic document verification information set in the document content, (E.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file containing a document content including the watermarking, or a word processor including at least one HWP / DOC File, or a web document file including MHT) as an account opening electronic document for opening a multiple account for non-face-to-face transaction .

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and the non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content (for example, the document An image file including image contents generated by capturing the contents on a memory) as an account opened electronic document for opening a multiple account for non-face-to-face transactions.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and the non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content (for example, the document The electronic document verification information previously set in the image content generated by capturing the content in the memory) in a watermarking manner, and then the image file including the image content including the watermarking is transmitted to the non- It is desirable to process it as an account opening electronic document for establishment.

According to another embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the complex non-face-to-face transaction, Face authentication information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content including the non- (E.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) containing one image content (for example, image content generated by capturing the document content on a memory) A word processor file including at least one document, or a web document file including MHT), the complex non-face-to- It is preferable to process the document as an account-opened electronic document for the left opening.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and the non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content (for example, the document (E.g., an image content generated by capturing a content on a memory) in a watermarking manner, and generates a document file including the image content including the watermarking A portable document format (PDF) file, an electronic data interchange (EDI) file, or an HWP / DOC By generating that the web document file, and so on) that include the word-processor file, or MHT that is preferably treated with account opening the electronic document for the non-face-to-face transaction account opening for composite.

According to another embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, Face authentication information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content including the non- A document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file corresponding to the document content) or an image file A word processor file including one or more of HWP / DOC, or a web document file including MHT) It is desirable to process the document as an account opening electronic document for opening a multiple account for non-face-to-face transactions.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and the non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content (for example, the document Generating image content including watermarking method based on electronic document verification information previously set in an image content generated by capturing a content on a memory and outputting the image content including the watermarking and a document corresponding to the document content File (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / D OC or the like), or a web document file including the MHT), thereby to process the electronic document as an account-opened electronic document for opening a multiple account for the non-face-to-face transaction.

Those skilled in the art will appreciate that the technical features of the server for creating an account opened electronic document in the form of an image file or a document file and an image file or document file corresponding to the account- And the detailed description thereof will be omitted for the sake of convenience.

If an account opening electronic document corresponding to the non-face-to-face transaction is opened (480), the server stores the account opening electronic document as an electronic document repository through the communication network and stores the electronic document in the electronic document repository (485).

According to an embodiment of the present invention, the server can receive electronic document related information for generating electronic document management information in the electronic document server (for example, the customer information included in the account opening request information and the non- Financial institution information, financial institution information, and electronic document file format information for the corresponding financial account) to the electronic document repository, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document repository preferably receives an account opened electronic document in the form of an image file or a document file from the account opening server 200 via the communication network.

According to an embodiment of the present invention, an account opened electronic document received by the electronic document repository through the communication network is transmitted to the account opening server 200 through the account opening request information received from the client terminal, Face authentication information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information, the financial account information corresponding to the non- A document file (e.g., a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or a word containing at least one HWP / DOC, etc.) containing document contents including one or more non- A processor file, or a web document file including an MHT).

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 200 through the account opening request information received from the client terminal and the customer information included in the account opening request information received from the client terminal, Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, A document file (for example, a PDF (Portable Document Format) file including the document contents including the watermarking, or a document file containing the document contents including the watermarking, EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or MHT A web document file, etc.).

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 200 through the account opening request information received from the client terminal and the customer information included in the account opening request information received from the client terminal, Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, And an image file including image contents (e.g., image contents generated by capturing the document contents on a memory) captured by capturing one or more document contents.

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 200 through the account opening request information received from the client terminal and the customer information included in the account opening request information received from the client terminal, Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, The electronic document verification information previously set in the image content (for example, image content generated by capturing the document content on the memory) captured by one or more document contents is included in a watermarking manner, It is desirable to include an image file containing image content including watermarking. It is right.

According to another embodiment of the present invention, the account opening electronic document received by the electronic document repository through the communication network is transmitted to the account opening server 200 through the account opening request information included in the account opening request information received from the client terminal And a financial account information for a financial account corresponding to the complex account for non-face-to-face transactions, wherein the account setting information and the loan setting information contained in the account opening request information and the non-face authentication (E.g., a PDF file (e.g., a PDF file) containing image content (e.g., image content created by capturing the document content on a memory) captured by the document content containing one or more non-face authentication result information via the information Portable Document Format) files, or EDI (Electronic Data Interchange) files, or HWP / DOC A web document file including MHT, and the like).

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 200 through the account opening request information received from the client terminal and the customer information included in the account opening request information received from the client terminal, Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, Image content including image content (for example, image content generated by capturing the document content on a memory) captured by capturing one or more document contents including watermarking , And generates a document file (e.g., PD A word processor file including one or more of a HWP / DOC, or a web document file including an MHT), and the like.

According to another embodiment of the present invention, the account opening electronic document received by the electronic document repository via the communication network is transmitted to the account opening server 200 through the account opening request information received from the client terminal, And a financial account information for a financial account corresponding to the complex account for non-face-to-face transactions, wherein the account setting information and the loan setting information contained in the account opening request information and the non-face authentication (For example, image content generated by capturing the document content on a memory) captured by capturing document content that includes one or more non-face authentication result information through the information, and a document file For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / Or a web document file including MHT), and the like.

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 200 through the account opening request information received from the client terminal and the customer information included in the account opening request information received from the client terminal, Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, Image content including image content (for example, image content generated by capturing the document content on a memory) captured by capturing one or more document contents including watermarking And the image content including the watermarking and the image content corresponding to the document content A document file (e.g., a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

The electronic document repository stores the electronic document unique number (or unique information) to be allocated to the received account opening electronic document, the date and time when the account opening electronic document was received (or the date and time at which the account opening electronic document was stored) The electronic document management information including the electronic document storage time information including the electronic document storage time information.

According to one embodiment of the present invention, the electronic document repository refers to the account opening server 200 that has transmitted the received account opening electronic document, identifies the financial institution that has transmitted the account opening electronic document, It is preferable to generate electronic document management information that further includes financial institution information.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 200 through the electronic document repository, the received electronic document related information (for example, the account opening request information And financial document information about the financial account corresponding to the non-face-to-face transaction, financial institution information, and electronic document file format information) desirable.

The electronic document repository associates the received account opened electronic document with the generated electronic document management information and stores the electronic document in the electronic document D / B.

According to one embodiment of the present invention, an account opened electronic document stored in the electronic document D / B by the electronic document repository is transmitted to the account opening server 200 through the account opening request information received from the client terminal, And a financial account information for a financial account corresponding to the complex account for non-face-to-face transactions, wherein the account setting information and the loan setting information contained in the account opening request information and the non-face authentication (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file, or a HWP / DOC file including document contents including one or more non-face authentication result information through information A word processor file, or a web document file containing MHT).

Alternatively, an account opened electronic document stored in the electronic document D / B by the electronic document repository may be transmitted to the account opening server 200 through the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information (E. G., A PDF (Portable Document Format) file containing document contents including the watermarking, after the electronic document verification information previously set in the document content including one or more pieces of information is watermarked , Or EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or MHT It is preferred which comprises a web, such as a document file).

Alternatively, an account opened electronic document stored in the electronic document D / B by the electronic document repository may be transmitted to the account opening server 200 through the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information And an image file including image contents (e.g., image contents generated by capturing the document contents on a memory) captured by capturing document contents including one or more pieces of information.

Alternatively, an account opened electronic document stored in the electronic document D / B by the electronic document repository may be transmitted to the account opening server 200 through the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information The electronic document verification information previously set in the image content (for example, the image content generated by capturing the document content on the memory) captured by the document content containing one or more pieces of information is included in a watermarking manner , And an image file including image contents including the watermarking. It is.

According to another embodiment of the present invention, an account opened electronic document stored in the electronic document D / B by the electronic document repository is stored in the account opening request information received from the client terminal by the account opening server 200 And a financial account information for a financial account corresponding to the complex account for non-face-to-face transaction, wherein the account setting information, the loan setting information, and the non-face-included information included in the account opening request information (For example, image contents generated by capturing the document contents on a memory) captured by capturing document contents including one or more non-face authentication result information through authentication information (for example, A portable document format (PDF) file, or an electronic data interchange (EDI) file, or a word processor that includes one or more HWP / It comprises a document file, or web page file, and so on) containing the MHT is preferred.

Alternatively, an account opened electronic document stored in the electronic document D / B by the electronic document repository may be transmitted to the account opening server 200 through the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information (E.g., image content generated by capturing the document contents on a memory) captured by capturing document contents including one or more pieces of information in a watermarking manner (E.g., a PDF file containing the image content including the watermarking) Portable Document Format) file, or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, an account opened electronic document stored in the electronic document D / B by the electronic document repository is included in the account opening request information received from the client terminal by the account opening server 200 And a financial account information for a financial account corresponding to the non-face-to-face transaction, wherein the account setting information, the loan setting information, and the fee included in the account opening request information, which are included in the account opening request information, (For example, image content generated by capturing the document content on a memory) captured by capturing document content including one or more non-face authentication result information through face-to face authentication information and a document corresponding to the document content File (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT comprising.

Alternatively, an account opened electronic document stored in the electronic document D / B by the electronic document repository may be transmitted to the account opening server 200 through the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information (E.g., image content generated by capturing the document contents on a memory) captured by capturing document contents including one or more pieces of information in a watermarking manner And generating image content, wherein the image content including the watermarking and the image content corresponding to the document content A document file (e.g., a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

According to the method of the present invention, the electronic document management information that the electronic document repository processes in association with the account opening electronic document and stores in the electronic document D / B includes an electronic document unique number Or unique information) and the electronic document storage time information.

According to an embodiment of the present invention, the electronic document management information that the electronic document repository processes in association with the account opened electronic document and stores in the electronic document D / B is the account opening information of the account opening server And the financial institution information transmitting the account opened electronic document confirmed by referring to the financial institution information.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 200, the electronic document repository processes the electronic document D / B in association with the account opening electronic document The electronic document management information to be stored includes information on the received electronic document (for example, customer information included in the account opening request information, financial account information for a financial account corresponding to the non-face-to-face transaction complex account, financial institution information , And one or more electronic document file format information).

FIG. 5 is a diagram illustrating a financial account opening system corresponding to a non-face-to-face transaction multiple account according to another embodiment of the present invention.

In more detail, FIG. 5 shows a non-face-to-face transaction function that includes one or more non-face-to-face transaction functions including demand payment, accumulation type, transfer type, resale linkage, mileage / coupon, (2) A non-face-to-face transaction account is opened by providing a service account adjustment, settlement support, billing / receipt, and record information expansion through an additional service ledger detached from the complex account ledger. (Or financial system) 595 provided in a financial institution (hereinafter referred to as a financial institution) 595. The multiple account ledger or the customer ledger is provided in an existing financial institution The financial system 594 of the financial system 594. More specifically, the customer is provided with the customer information through the financial account opening interface of the non-face / When providing the account opening request information including at least one of the account setting information, the loan setting information, and the non-face authentication information to the multiple account opening organization (hereinafter referred to as a financial institution), the financial institution And a complex account for non-face-to-face transactions in an unrecognized state.

Those skilled in the art will be able to refer to and / or modify the FIG. 5 to deduce various implementation methods for the financial account opening system configuration corresponding to the non-face value transaction multiple account However, the present invention includes all of the above-described embodiments, and is not limited to the method shown in FIG.

For example, a terminal device providing account opening request information including at least one of the customer information, the account setting information, the loan setting information, and the non-face authentication information to the financial institution to open the non-face-to- The present invention is not limited to the client terminal 596 and may be implemented by an automatic teller machine (ATM) provided in the financial institution (or another financial institution affiliated with the financial institution), a cash dispenser A public switched telephone network (PSTN) associated with the financial institution, a call connected to a wired telephone network such as a VoIP (Voice over IP) network, a cash dispenser (CD) A terminal (not shown), a mobile communication network associated with the financial institution, and a call terminal (not shown) connected to a wireless telephone network such as a wireless VoIP network Was, the invention bayida place apparently found that it is possible to open a composite accounts for the non-face-to-face transaction through any terminal device capable of the inference.

In addition, according to the method shown in FIG. 5, an account-opened electronic document for opening a multiple account for non-face-to-face transaction is generated on the server side of the financial account opening system. The account opening electronic document may be generated on the terminal side that inputs (or selects) the account opening request information (for example, the electronic document creation function provided on the server side is notified to the terminal side) Thereby generating the account opening electronic document), and thus the present invention is not limited thereto.

Hereinafter, one or more means for providing the account opening request information from the customer through the financial account opening interface of the non-face / non-disclosure type on the financial account opening system shown in FIG. 5 to open the complex account for non- / &Quot;, or a component corresponding to the functional configuration is referred to as "account opening server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, the financial account opening system corresponding to the non-face value transaction multiple account includes a client terminal 596 including at least one wired terminal or a wireless terminal used by a customer And the client terminal 596 is connected to an account opening server 500 provided on the financial account opening system through a communication network including at least one of a wired communication network and a wireless communication network.

According to one embodiment of the present invention, the customer accesses the account opening server 500 through one or more client terminals 596 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, (Or selects) the account opening request information for opening the complex account for non-face-to-face transactions through one or more complex account opening user interfaces provided by the client terminal 500, To the account opening server 500 provided on the account opening system.

The wired terminal is a general term of all terminal devices connected to a TCP / IP (Telecommunications Control Protocol / Internet Protocol) based communication network. The wired terminal is a desktop computer connected to the TCP / IP based communication network, a notebook computer, A home appliance terminal (e.g., a refrigerator, a set-top box, etc.) connected to the home network, and a kiosk (KIOSK) connected to the communication network.

The wireless terminal connected to the wireless communication network may be any terminal device connected to a CDMA (Code Division Multiple Access) / WCDMA / GSM based mobile communication network, all terminal devices connected to a wireless communication network based on HSDPA (High Speed Downlink Packet Access) (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network, and is a general term for all terminal devices connected to the 802.16x based portable Internet and all terminal devices connected to the IEEE 802.11x based wireless LAN. A personal digital assistant (PDA), a smart phone, a telematics (personal digital assistant) terminal, a personal digital assistant (PDA) Telematics), or a wireless data communication terminal connected to a HSDPA-based wireless data communication network, or the IEEE 802.16x-based portable The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to it is preferred comprising one or more than one.

The account opening server 500 connected to the client terminal 596 may be an Internet banking server for a complex account, a wireless banking server, a telebanking server, and a TV banking server depending on the characteristics of the client terminal 596 and the characteristics of the communication network. Or a separate web server for opening a complex account for non-face-to-face transactions.

The communication network connecting the client terminal 596 and the account opening server 500 may be a CDMA / WCDMA / GSM based mobile communication network, an HSDPA-based wireless data communication network, An IEEE 802.16x-based portable Internet, and an IEEE 802.11x based wireless LAN, or all types of wireless communication networks including a wireless section.

Also, the client terminal 596 outputs one or more complex account opening user interfaces provided by the account opening server 500, inputs (or selects) one or more pieces of information through the user interface, (For example, a browser program and a communication function, or a program and a communication function for communicating with the account opening server 500) for transferring data to the banking server 500.

Those skilled in the art will readily be able to deduce the characteristics of the client terminal 596 corresponding to one or more wired or wireless terminals, and a detailed description thereof will be omitted for the sake of convenience .

The system for opening financial accounts as described above may further include a client terminal 596 including at least one wired terminal or a wireless terminal used by the customer and at least one client terminal 596 connecting the client terminal 596 and the account opening server 500. [ The wired communication network or the wireless communication network performs a function of a non-face-to-face / non-face-to-face financial account opening interface for the customer to register the account opening request information for opening the complex account for the non-face-to-face transaction.

The account opening server 500 provided on the financial account opening system according to the present invention is a collective term of a financial account opening system side component connected to the client terminal 596 through a communication network and includes at least one server Or may be embodied in one or more programs recorded on a recording medium provided in a server (or apparatus), and it is evident that the present invention is not limited thereto.

According to an embodiment of the present invention, the account opening server 500 may be a web server provided with a financial institution to which the client terminal 596 is connected, a program provided to the web server, (Or financial system) 595 that is accessible through the web server, or a server (or device) on the ledger system (or financial system) 595 that is accessible through the web server, Is not limited.

According to another embodiment of the present invention, the account opening server 500 may be a non-face-to-face transaction server accessed by a customer opening the complex account for non-face-to-face transaction through the client terminal 596, (Or financial system) 595 accessible through the non-facing transaction server, or a ledger system (or financial system) 595 accessible via the non-facing transaction server, The present invention is not limited to this.

According to another embodiment of the present invention, the account opening server 500 may be an information registration server connectable via a financial automation device or a call terminal, in addition to the client terminal 596, Program (or financial system) 595 that is accessible through the information registration server, or a server (or device) on the ledger system (or financial system) 595 that is accessible via the information registration server And the present invention is not limited thereto.

According to an embodiment of the present invention, the account opening server 500 includes an interface unit 505 for connecting and managing a communication channel with the client terminal 596 through the communication network.

According to an embodiment of the present invention, when the client terminal 596 is a wired terminal connected to a wired communication network, the interface unit 505 communicates with the client terminal 596 based on a protocol stack defined in the wired communication network And provides a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 596. [

For example, when the client terminal 596 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 transmits the browser program to the client terminal 596, (E.g., a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting / receiving information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 596 is provided with a communication program (for example, a non-facing banking program) provided by the account opening server 500, the interface unit 505 transmits the communication program (Or data) transmission / reception using a communication protocol defined in the communication program, and provides a communication interface for transmitting / receiving information (or data).

According to another embodiment of the present invention, when the client terminal 596 is a wireless terminal connected to a wireless communication network, the interface unit 505 may communicate with the client terminal 596 and the client terminal 596 based on a protocol stack defined in the wireless communication network. It is preferable to connect a communication channel and provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 596. [

For example, when the client terminal 596 is provided with a browser program corresponding to a wireless application protocol (WAP) or a mobile explorer (ME) protocol, the interface unit 505 transmits the browser program to the client terminal 596 (E.g., a wireless markup language (WML) compliant web page or an HTML compatible web page) or a communication interface for transmitting and receiving information, using a WAP / ME protocol defined in the browser program to provide.

Alternatively, when the client terminal 596 is provided with a communication program (e.g., a VM-based banking program, an IC chip-based banking program, or the like) provided by the account opening server 500, CDMA protocol to the client terminal 596, and provides a communication interface for information (or data) transmission and reception using the communication protocol defined in the communication program.

According to another embodiment of the present invention, when the client terminal 596 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 505 may be connected to the wired telephone network or the wireless telephone network, It is preferable to connect the call terminal to the call terminal (not shown) based on the voice call protocol and provide a communication interface for transmitting / receiving information (or data) based on the voice call.

For example, the interface unit 505 provides a communication interface for transmitting / receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and a communication interface for transmitting / receiving information based on voice recognition .

5, when the client terminal 596 has connected a communication channel through the interface unit 505, the account opening server 500 may open the account opening / (Or extracts) one or more complex account opening user interfaces for inputting (or selecting) the account opening request information to the account opening server 500 in step 596 and transmitting the created account opening request information to the interface unit 505 An interface providing unit 510 (or interface providing unit) that provides the user interface for opening the complex account in association with the generated (or extracted) user interface to the client terminal 596; (Or selects) the account opening request information through the user interface for the client 505, It characterized in that the transmission from the terminal 596 to the account comprises an information receiving unit 515 (or an information receiving means) that receives the opening request information.

The interface provider 510 connects the communication channel to the account opening server 500 through the interface unit 505 and then transmits the non-face-to- (Or selecting) the account opening request information from the client terminal 596 and transmitting the opened account opening request information to the account opening server 500 through the communication network, (Or extracted) user interface to the client terminal 596 via the communication network by creating or extracting the user interface for the complex account from the database (not shown) .

According to an embodiment of the present invention, when the client terminal 596 is a wired terminal connected to a wired communication network, the interface providing unit 510 may be provided with a browser program or a communication program provided in the client terminal 596 (Or extracts) a user interface for opening a complex account, and provides the created (or extracted) user interface to the client terminal 596 through the interface unit 505. [

According to another embodiment of the present invention, when the client terminal 596 is a wireless terminal connected to a wireless communication network, the interface providing unit 510 provides a browser program or a communication program provided in the client terminal 596 (Or extracts) a user interface for opening a complex account as much as possible, and provides the generated (or extracted) user interface to the client terminal 596 through the interface unit 505.

According to another embodiment of the present invention, when the client terminal 596 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface provider 510 transmits (Or extracts) a user interface (for example, a voice-based user interface or a graphical user interface that can be output through the screen output unit provided in the call terminal) that can be provided, and the interface unit 505 generates And provides the created (or extracted) user interface to the call terminal (not shown).

A program having one or more user interfaces for inputting (or selecting) the account opening request information to the client terminal 596 according to another embodiment of the present invention and transmitting the same to the account opening server 500 via the communication network The present invention is not limited to this, and the interface providing unit 510 for generating (or extracting) the user interface for opening the multiple account and providing the user interface to the client terminal 596 may be omitted.

Then, the client terminal 596 inputs (or selects) the account opening request information including at least one of the customer information, the account setting information, the loan setting information, and the non-face authentication information through the multi-account opening user interface And transmits the opened (or selected) account opening request information to the account opening server 500 through the communication network. In response to this, the information receiving unit 515 transmits the opened (or selected) And receives the account opening request information transmitted from the terminal (596).

According to the embodiment of the present invention, the client terminal 596 transmits a non-face-to-face authentication procedure (for example, a non-face-to-face authentication process) provided in the account opening server 500, to the account opening server 500, Authentication request, information authentication, ID / PW registration, issuance / re-issuance of an authorized certificate or other certificate registration), and thereby the account opening request information is subjected to confidentiality, authentication, And encryption / decryption or electronic signature attachment that satisfies the characteristics of non-repudiation and nonrepudiation.

If a person skilled in the art is familiar with the technical features of various encryption schemes for encrypting the account opening request information and the technical features of attaching an electronic signature to the account opening request information A detailed description thereof will be omitted for the sake of convenience.

Here, the customer information included in the account opening request information may include personal information of the customer requesting the opening of the non-face value transaction complex account (for example, the name of the customer, a resident registration number, an address, a telephone number, (For example, ID / PW information allocated to the customer by the customer joining the financial transaction customer of the financial institution, etc.), and the like.

The account setting information included in the account opening request information may include basic setting information for the non-face-to-face transaction complex account, interest rate adjustment of the complex account, adjustment of taxes, fee adjustment, billing / billing, And additional service setting information for the additional service.

Here, the basic setting information of the account setting information may include: account setting information for generating financial account information for the non-face-to-face transaction multiple account, and request charge setting information for setting transaction attributes of the non-face- Mileage / coupon setting information for providing the mileage / coupon through the complex account for non-face-to-face transaction, and a mileage / coupon setting information for setting up a separate It is preferable to include at least one micro-loan setting information for approving the loan without reviewing the loan.

Wherein the account setting information included in the basic setting information of the account setting information includes an account number corresponding to the financial account information for the non-face-to-face transaction multiple account, a financial institution number corresponding to the non-face- (Or code), an account alias, and information for issuing an account linkage card.

The request payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) the demand payment transaction attribute in the non-face value transaction complex account, (Or activating) the accumulation-type transaction attribute in the complex account for face-to-face transaction, and the setting data includes information for setting (or activating) the deferment transaction attribute in the complex account for non-face-to-face transactions And the resale linkage setting information includes information for setting (or activating) a resale link transaction attribute (for example, an investment product link attribute) in the non-face value transaction multiple account.

According to an embodiment of the present invention, the non-face-to-face transaction multiple account preferably includes at least one transaction attribute (for example, a combination of a plurality of transaction attributes) of the requested property, the accumulation attribute, the diversion attribute and the resale attribute .

In addition, the micro-loan setting information included in the basic setting information of the account setting information may be provided to the non-face-to-face transaction multiple account within a predetermined small amount range without credit / guarantee check according to the request of the customer (or a predetermined loan policy) It is preferable to include information for approving the loan without a separate loan review.

According to an embodiment of the present invention, at the time of establishing a non-face-to-face transaction complex account in an unrecognized state among the basic setting information of the account setting information, one of the request payment setting information, the accumulation type setting information, the riding type setting information and the mileage / coupon setting information Or more is set by the customer and one or more setting information that is not set at the account opening time out of the demand setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information is set in the non- The settlement setting information and the micro-loan setting information among the basic setting information of the account setting information are set by the customer manually (or automatically by the financial institution policy) After confirming the real name, the customer manually (or automatically by financial institution policy) ).

According to another embodiment of the present invention, among the basic setting information of the account setting information, at the time of opening the compounded account for a non-face-to-face transaction in the unrecognized state, the request payment setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information It is preferable that at least one of the basic setting information of the account setting information is automatically set by the financial institution policy. In this case, the demand setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information among the basic setting information of the account setting information may be omitted. However, one or more pieces of setting information, which is not set at the account opening time, among the request payment setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information may be manually set by the customer in the non- (Or automatically by a financial institution policy), and the resale set-up setting information and the micro-loan setting information among the basic setting information of the account setting information may be set to a predetermined value after confirming the real name of the non- It is desirable to be set manually by the customer (or automatically by financial institution policy).

According to another embodiment of the present invention, among the basic setting information of the account setting information, at the time of opening the compounded account for a non-face-to-face transaction in the unrecognized state, the request payment setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information It is preferable that at least one is set manually (or automatically by a financial institution policy) by the customer, and it is not set at the account opening time among the request payment setting information, the payload setting information, the riding type setting information and the mileage / coupon setting information And the resale linkage setting information and the micro-loan setting information are set manually (or automatically by the financial institution policy) by the customer after confirming the real name for the non-face-to-face transaction multiple account .

Further, the additional service setting information of the account setting information may include at least one of an interest rate adjusting unit service setting information, a tax setting service setting information, a fee adjustment service setting information, a payment support unit service setting information, / Storage unit service setting information, and record information expanding unit service setting information.

The interest rate adjustment unit service setting information included in the additional service setting information of the account setting information may include a contract term interest addition / discount (for example, between a customer and a financial institution) for the non-face- (For example, by adding interest rates by promoting a financial institution (or affiliated organization), or by discounting the loan interest rate), re-entering / Add / discount long-term interest rate (eg, add customer interest by re-joining a customer or keeping an account for a long time, discounting a loan rate), adding / subtracting a mileage cumulative interest rate (eg, from a financial institution Including adding the receiving interest rate based on accumulated accumulated mileage, or discounting the loan interest rate). It is.

The tax additional service setting information included in the additional service setting information of the account setting information may include taxation / non-taxation (for example, taxation) for a specific period (for example, a contract term) for the non-face- , A complex account for non-face-to-face transactions, or one or more transaction attributes contained in the non-face-to-face transaction).

The fee adjustment service setting information included in the additional service setting information of the account setting information may be used for a specific period (for example, a contract period, a promotion period, or the like) for the non-face-to-face transaction multiple account without additional account opening / (Eg, reduction of commission by agreement between customer and financial institution), reduction of commission by promotion (for example, reduction of commission by the inclusion (or subscription) of customer in promotion of financial institution (or affiliated organization)), commission It is preferable that information including coupon exchange (for example, information provided by a financial institution (or an affiliated organization) or a fee reduction through a coupon reduction fee purchased by a customer) is set.

The settlement support service setting information included in the supplementary service setting information of the account setting information may include at least one of a payment transfer through the complex account for non-face-to-face transactions or a card payment process through a card associated with the non- (For example, a mileage accumulation provided by a financial institution (or affiliated organization) in response to a settlement process), fund support (for example, a fund operator (a national agency / local device group (Or all) of the settlement approval through the funds provided to the customer by the financial institution (or the pension operator who manages the pension), the settlement fee reduction Promotional, or payment attributes), exchange of discount coupons through mileage (for example, mileage over a predetermined rate is reduced Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the affiliate service provider of the specific partners.

The billing / storing section service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face transaction multiple account without additional account opening / closing (for example, (For example, the name of a compound account for a non-face-to-face transaction) for a certain period of time), providing a disposable storage account (For example, providing a one-time account for creating a receipt), a virtual account for classifying the deposit account (e.g., accepting a charge from one or more billing entities to the customer (= a non-face-to-face transaction multiple account) (For example, automatic billing by the billing institution), electronic bill payment management (for example, through a communication network) (E. G., Payment of the amount of the charge by the claimant through the electronic bill), and an escrow (e. G., An intermediate account for paying the charge by the claimant).

The record information expanding unit service setting information included in the additional service setting information of the account setting information may be recorded in the deposit account information for the merchant (or SOHO) in the non-face-to-face transaction multiple account without newly adding / For example, the deposit history information of the merchant (or SOHO) is classified and recorded in accordance with one or more criteria), automatic payment of the scheduled amount of deposit (for example, a receivables secured loan), a deposit amount classification / (For example, classification and counting of the amount of money deposited into the transaction complex account based on one or more criteria), and information for setting one or more pieces of deposit and withdrawal information (for example, deposit history information or withdrawal history information record for a non-face- .

According to the embodiment of the present invention, at the time of opening the compounded account for the non-face-to-face transaction in the unrecognized state of the additional service setting information of the account setting information, the interest rate adjusting unit may set the service setting information, the tax additional service setting information, It is preferable that at least one of the payment support service setting information, the billing support service setting information, and the record information expanding service setting information is set manually (or automatically by the financial institution policy) by the customer, The fee setting service setting information, the billing / support service setting information, and the record information expanding unit service setting information are not set at the account opening time One or more pieces of configuration information may be used for the non- (Or automatically by the financial institution policy) by the customer (after confirming the real name for the non-face-to-face transaction).

If the person skilled in the art is familiar with the present invention, the above-mentioned interest rate adjuster service setting information, tax addition service setting information, fee adjustment service setting information, billing support service setting information, billing / It is possible to deduce one or more additional service setting information in addition to the information, record information extension service setting information, and it is evident that the present invention includes all the additional service setting information that can be guessed.

The loan setting information included in the account opening request information may be a non-face-to-face type credit check for the non-face-to-face transaction multiple account without separate face-to-face check (for example, a customer visits a financial institution and face- (Non-face-to-face) without a separate face-to-face confirmation (for example, a customer visiting a financial institution and face-to-face authentication through an ID card) It is desirable that the information includes at least one of the mortgage loan setting information for application, examination and approval.

Here, if the real name of the compound account for non-face-to-face transaction is confirmed (for example, customer real name authentication through face-to-face verification) after the non-face-to-face transaction multi account for non-face- Information for requesting a credit loan in a non-face-to-face manner without checking face to face with the customer on the basis of the confirmation, and setting the credit application to be reviewed and approved by the financial institution in response thereto, A password for requesting a loan).

If the real name of the compound account for non-face-to-face transactions is confirmed (for example, the real name of the customer is verified by face-to-face verification) after the non-face-to-face transaction multi account for non-face- The information on the mortgage loan application (for example, a mortgage loan application (for example, a mortgage loan application), a mortgage loan application request For example, a password for the user.

According to an embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of a person skilled in the art. In such a case, the loan setting information may be stored in the non- (Or automatically by a financial institution policy) by the customer after the confirmation of the real name for the combined account for the customer.

The non-face authentication information included in the account opening request information includes the validity of a customer opening a non-face-to-face transaction through a communication network in an unspecified state (= unblinded state through face-to-face verification) Authentication information based on the ID / PW-based authentication information and authentication certificate-based authentication information, and stores the registered account opening password in the non-face-to-face authentication process provided in the account opening server 500 according to the intention of a person skilled in the art .

According to an embodiment of the present invention, the non-face authentication information may be omitted in the account opening request information according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

5, when the account opening request information is received through the information receiving unit 515, the account opening server 500 transmits the received account opening request information to the account opening server 500 for opening the multi- And a validity checking unit 520 (or validity checking means) for confirming whether the validity is satisfied.

According to the embodiment of the present invention, when the account opening request information is encrypted according to the encryption / decryption method, the validity checking unit 520 decrypts the account opening request information according to the encryption / decryption method, It is preferable to confirm whether the opening request information satisfies the validity for opening the complex non-face-to-face transaction.

Alternatively, if an electronic signature is attached to the account opening request information, the validity checking unit 520 confirms the electronic signature attached to the account opening request information, so that the account opening request information is included in the non-face- It is desirable to confirm whether or not the validity for opening is satisfied.

If a person skilled in the art is familiar with the technical aspects of the present invention, it is possible to provide a technical characteristic of various decryption methods for decrypting the encrypted account opening request information and a technical characteristic of confirming the digital signature attached to the account opening request information And the detailed description thereof will be omitted for the sake of convenience.

According to the method of the present invention, the validity confirmation of the non-face-to-face multi-account transaction using the account opening request information is made by checking the account opening request information and the account opening request information in a ledger system (or financial system) 595 linked to the financial account opening system And confirming that at least one matching ledger is already registered.

For example, the validity confirmation of the opening of a non-face-to-face transaction using the account opening request information is performed when the customer information (customer personal information, member information, etc.) included in the account opening request information is displayed in a ledger linked to the financial account opening system (Or financial system) 595, and a customer ledger matching the account opening request information is registered in the ledger system (or financial system) 595 , It is preferable to confirm whether the account opening request information satisfies the validity for opening the complex non-face-to-face transaction.

If the non-face authentication information is included in the account opening request information according to the embodiment of the present invention, the non-face-to-face transaction validation confirmation through the account opening request information further includes authenticating the non-face authentication information .

5, when the validity of the non-face-to-face transaction is verified through the validation confirmation unit 520, the account opening server 500 inserts the account opening request information into the account opening request information Generating a customer ledger information for a financial account corresponding to the non-face-to-face transaction, based on the customer information, and generating, based on the account setting information, a combination of financial accounts corresponding to the non- A ledger information generating unit 525 (or ledger information generating means) for generating the ledger information and generating the ledger information for the non-face-to-face transaction multi-account based on the loan setting information; (Or financial system) 595 that manages the supplementary service ledger for the complex account, the financial system 594 of the existing financial system synchronized with the ledger system A ledger creating unit 530 (or a ledger creating means) for creating a customer ledger, a mixed ledger ledger, and a ledger ledger for a financial account corresponding to the multiple account, Stores the customer ledger information, stores the compound ledger information in the generated composite account ledger on the financial system 594, and stores information for storing the ledger information in the generated ledger on the financial system 594 An additional service checking unit 540 (or additional service checking means) for checking whether at least one additional service setting information is included in the account setting information included in the account opening request information, And an additional service ledger for generating at least one additional service ledger information corresponding to the verified supplementary service setting information, (Or financial system) 595 that manages a ledger for the non-face-to-face transaction complex account 595. The composite account ledger or client ledger An additional service ledger generating unit 550 (or an additional service ledger generating unit) for generating one or more additional service ledgers associated with each other, and an additional service storage unit (Or additional service storage means).

When the validity checking unit 520 confirms the validity of the non-face-to-face transaction opening by opening the account opening request information, the ledger information generating unit 525 registers the customer information included in the account opening request information The customer ledger information to be stored in the customer ledger for the financial account corresponding to the non-face-to-face transaction multiple account is generated.

Here, the customer ledger information includes customer's personal information (e.g., a customer's name, a resident registration number, an address, a telephone number, a mobile phone number, an e-mail address, and the like) included in the customer information of the account opening request information, (For example, a customer information file (CIF), etc.) to be allocated to the customer.

Also, the ledger information generating unit 525 may generate basic ledger information on a financial account corresponding to the non-face-to-face transaction complex account based on the basic setting information of the account setting information included in the account opening request information, The system is characterized by generating complex account ledger information including at least one of the demand ledger information, the accumulative ledger information, the deferred ledger information, the resale linked ledger information, the mileage / coupon ledger information, and the microcredit ledger information.

Here, the basic account ledger information includes an account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= the account number of the non-face- And a financial institution number (or code) corresponding to the non-face-to-face transaction multiple account, and an account alias, and the credit card number associated with the non-face- It is preferable to further include card information corresponding to the account linkage card.

Wherein the demand filing information includes the request charge attribute information of the non-face value transaction complex account set through demand charge setting information among the basic setting information of the account setting information included in the account opening request information, And the generated demanded account number (= the requested account number of the non-face-to-face transaction complex account), and furthermore, the requested deposit amount information set to the initial value '0'.

Wherein the accumulation-type ledger information includes the accumulation-type attribute information of the non-face-tradable transaction complex account set through the accumulation-type setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the created accumulation account number (= the accumulation sub account number of the non-face-tradetion complex multiple account), and further include the accumulative amount information set to the initial value '0'.

Wherein the deferred ledger information includes rerecorded attribute information of the non-face value transaction complex account set through the rerecorded setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the generated deferred account number (= deferred deed account number of the non-face-to-face transaction complex account) and further include the deferment amount information set to the initial value '0'.

Wherein the resale linkage ledger information includes resale linkage attribute information of the non-face value transaction complex account set through the resale linkage setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include a resale linkage account number (= resale linkage account number of the complex account for non-face-to-face transaction) generated through setting information, and further include resale linkage amount information set to an initial value of '0' .

Wherein the mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face transaction multiple account set through the mileage / coupon setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable that the mileage / coupon account number (= value-type sub account number for mileage / coupon management of the non-face-to-face transaction multiple account) generated through the mileage / coupon setting information is further included. Mileage / coupon value information set to " mileage / coupon value information ".

Wherein the micro-loan origination information includes micro-loan property information of the non-face-to-face transaction complex account set through micro-account loan setting information among basic setting information of the account setting information included in the account opening request information, And the micro-loan account number (= the micro-loan account number of the non-face-to-face transaction multiple account) generated through the setting information, and further includes the micro-loan amount information set to the initial value '0' .

According to another embodiment of the present invention, if at least one of the request charge setting information, the payout type setting information, the riding type setting information, the resale linkage setting information, the mileage / coupon setting information and the micropayment setting information is omitted in the account opening request information, It is preferable that the ledger information generating unit 525 does not generate the omitted ledger information. In this case, the omitted ledger information may be used for the non-face-to-face transaction multiple account use process (or for the non-face- It is preferable to set it manually (or automatically by financial institution policy) by the customer.

Also, the ledger information generating unit 525 generates credit information on the financial account corresponding to the non-face-to-face transaction complex account information and the secured loan information on the basis of the loan setting information included in the account opening request information And generates loan origination information including at least one of the loan origination information.

Here, the credit loan information includes credit loan condition information of the non-face-to-face transaction complex account, which is set through credit loan setting information among loan setting information included in the account opening request information, (= Credit account number of the non-face-to-face transaction multi-account account) generated by the credit card account number generation means desirable.

The mortgage lending information includes mortgage loan condition information of the non-face-to-face transaction complex account, which is set through the mortgage loan setting information among the loan setting information included in the account opening request information, And the generated mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction multiple account), and further comprises mortgage loan amount information set to an initial value of '0' .

According to another embodiment of the present invention, if at least one of the credit loan setting information and the secured loan setting information is omitted in the account opening request information, the ledger information generating unit 525 generates the ledger information In this case, the abbreviated ledger information may be manually entered by the customer (or automatically by the financial institution policy) after the non-face-to-face transaction multiple account use process (or after confirming the real name of the non-face- ).

When the validity checking unit 520 confirms the validity of opening a non-face-to-face transaction by opening the account opening request information, the ledger creating unit 530 creates a ledger for operating the ledger for the non-face- The financial system 594 of the existing banking system synchronized with the system (or the financial system) 595 and checks the financial system 594 of the financial system 594 synchronized with the customer ledger for the financial account corresponding to the non- The account ledger and the ledger are generated.

Here, the customer director preferably includes one or more information fields for storing personal information of a customer, member information, and customer number included in the generated customer ledger information, and each information field includes a NULL, Value.

The complex account director stores an account number (= representative account number of the non-face-to-face transaction multiple account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, And a basic account ledger including at least one information field for further storing the financial institution number (or code) corresponding to the transaction complex account, the account alias, and further storing the account association card information, , Each information field of the basic account ledger is preferably initialized to a NULL value.

Also, the complex account director stores the request charge attribute information included in the request account information for the financial account corresponding to the non-face-to-face transaction multiple account, and transmits the generated account charge account number (= And an information field for storing the requested amount information. The information field of the demand information field is initialized to a NULL value, desirable.

In addition, the compound ledger may store the accumulation-type attribute information included in the accumulation-type ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated accumulation account number (= And an accumulation amount account information of the accumulation type accumulation amount account number) and the accumulation amount amount information, wherein each information field of the accumulation type ledger is initialized to a NULL value .

Also, the compound ledger may store rerelease attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated deferred account number (= And at least one information field for storing further information of the door type value, wherein each information field of the floor type ledger is initialized to a null value desirable.

Also, the complex account director stores resale linkage attribute information included in the resale linkage ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and stores the generated resale linkage account number (= And a resale linkage ledger including one or more information fields for further storing resale linkage amount information, wherein each of the information fields of the resale linkage ledger includes a null NULL) value.

Further, the compound ledger may store mileage / coupon attribute information included in the mileage / coupon ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated mileage / coupon account number (= Mileage / coupon ledger consisting of one or more information fields for further storing the mileage / coupon value information and the mileage / coupon value information for the mileage / coupon operation of the non-face-to-face transaction multiple account) and mileage / coupon value information , It is preferable that each information field of the mileage / coupon ledger is initialized to a NULL value.

Also, the complex account director stores the micro-loan property information included in the micro-credit card information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated micro-loan account number (= And a micro-credit field including at least one information field for further storing the micro-credit amount information, wherein each information field of the micro-credit field is composed of nulls NULL) value.

According to another embodiment of the present invention, at least one of the requested fund information, the payable ledger information, the deferred ledger information, the resale linked ledger information, the mileage / coupon ledger information, and the microcredit ledger information are received by the ledger information generating unit 525 If omitted, the ledger generating unit 530 does not generate a ledger that matches the omitted ledger information. In this case, the omitted ledger is used in the non-face-to- It is preferably set manually (or automatically by financial institution policy) by the customer (after confirmation of the real name for the transactional multiple account).

The loan manager stores credit loan condition information (for example, condition information for requesting, reviewing, and approving a credit loan in a non-face-to-face manner) included in credit loan origination information corresponding to the non-face- One or more information fields for further storing the generated credit loan account number (= credit loan account number of the non-face-to-face transaction multiple account), credit loan amount information, customer credit rating information, , And each information field of the credit card issuance field is preferably initialized to a NULL value.

Also, the lending director stores the secured loan condition information (for example, condition information for requesting, screening, and approving the secured loan) in the non-face-to-face transaction type combined account information And further stores the generated mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction multiple account), the mortgage loan amount information, the customer's mortgage object information, And an information field including the above information field. Preferably, each information field of the secured lending facility is initialized to a NULL value.

If at least one of the credit extension ledger information and the secured lending indicator information is omitted by the ledger information generator 525 according to another embodiment of the present invention, the ledger generator 530 may match the omitted ledger information In this case, the abbreviated ledger may be manually generated by the customer (or after the confirmation of the real name for the non-face-to-face transaction) It is preferably set automatically by a financial institution policy).

When the customer ledger, the combined account ledger, and the ledger ledger for the financial account corresponding to the non-face-to-face transaction multi-account are created in the financial system 594 of the existing banking system, the information storage unit 535 stores the financial system 594 Stores the customer ledger information in the customer ledger created on the financial system 594, stores the complex ledger information in the generated multiple account ledger on the financial system 594, 594 by storing the information on the credit card issuance in the generated credit card issuance field on the basis of the non-face authentication result through the validity checking unit 520 (for example, (594) of the existing banking system to the non-face-to-face trade account of the non-face-to-face transaction without confirming the real name based on face-to- As shown in Fig.

When the validity checking unit 520 confirms the validity of the non-face-to-face transaction opening using the account opening request information, the additional service checking unit 540 determines whether the account setting information included in the account opening request information And confirms whether at least one additional service setting information is included.

If it is confirmed that one or more additional service setting information valid for the account opening request information is included in the account opening request information, the additional service ledger information generating unit 545 generates one or more additional service settings corresponding to the verified additional service setting information Information is generated.

Here, the supplementary service ledger information includes at least one of interest rate adjustment service service ledger information, taxation supplementary service ledger information, fee adjustment service supplementary service information, billing support service supplementary service information, billing / storage service service ledger information, It is preferable that at least one additional service ledger information among the information is included.

The service provider information of the interest rate adjuster may include a commitment period interest rate addition / discount (for example, adding a reception interest rate during a contract period between a customer and a financial institution) (Eg, discounts on the loan rate) as an attribute of the non-face-to-face multi-account transaction, adding / removing promotional interest rates / discounts (for example, promotional rates by a financial institution (For example, a customer's re-entry, or maintaining an account for a long period of time) is added or deleted as an attribute of the non-face-to-face transaction, To add or subtract a credit interest rate as an attribute of the non-face-to-face transaction, (For example, adding a receiving interest rate or discounting a credit interest based on accumulated mileage accumulated in a financial institution (or affiliated organization)) as an attribute of the non-face-to-face transaction, And one or more ledger information for deleting and deleting the ledger information.

The tax additional service ledger information may include taxable / non-taxable (for example, a non-face-to-face transaction or a non-face-to-face transaction) for a non-face-to-face transaction multiple account for a specific period It is preferable to include at least one ledger information for adding / deleting / deleting the one or more transaction attributes included in the complex account for face-to-face transactions as an attribute of the non-face-to-face transaction multiple account.

The fee adjustment service supplementary service information may include a fee reduction (for example, between a customer and a financial institution) for a specific period (for example, a contract period or a promotion period) for the non-face- (For example, a reduction in commission based on a contract) is added / deleted as an attribute of the non-face-to-face transaction, and the fee is deducted from the promotional fee (for example, (For example, a financial institution (or an affiliate organization), or a customer purchases a coupon) to add / delete as a property of the non-face-to-face transaction, A commission reduction through a coupon reduction coupon) is added / deleted as an attribute of the non-face-to-face transaction complex account, It is preferable to include at least one piece of information.

The settlement support service providing origin information may include at least one of the following: when the credit settlement processing is performed through the account settlement service through the complex account for non-face-to-face transactions or the card associated with the non-face- , And the fund information (for example, a fund manager (welfare fund) (hereinafter referred to as " welfare fund ") for adding / (Or all) of the payment approval through the fund provided to the customer by the government agency / local apparatus group operating the fund, the insurance company operating the insurance fund, the pension operator managing the pension, etc.) (For example, a financial institution (or affiliated organization)'s promotional information) (For example, a reduction in the settlement fee according to the settlement attribute) is added / deleted as an attribute of the non-face value transaction complex account, (For example, a discount by providing an affiliate service with a specific affiliate institution) is added to the non-face-to-face transaction multiple account And deletion / addition of one or more pieces of ledger information.

The service charge information of the billing / storing section may be charged to the non-face-to-face transaction multiple account without additional account opening / closing (for example, from one or more billing agencies to the customer (= (For example, one or more billing agencies provide the customer with non-face-to-face transaction information) to add / delete the billing information for a certain period of time as an attribute of the non-face- (The name of the compound account for the face-to-face transaction) provided to the compound account for the non-face-to-face transaction) as the attribute of the non-face-to-face transaction, (E.g., one or more billing entities) to charge the customer the amount of the charge billed to the customer (= the name of the compound account for non-face-to-face transactions) (For example, a virtual account for each billing institution) is added / deleted as an attribute of the non-face-to-face transaction account, (For example, payment of a bill amount by a billing institution via an electronic bill electronically charged through a communication network) as attributes of the non-face-to-face transaction A ledger for adding / deleting the ledger information for adding / deleting and removing / adding an escape (for example, an intermediary account for paying the billing fee for each billing institution) as an attribute of the non-face- It is preferable to include at least one piece of information.

The recording information expanding unit service ledger information is information for recording deposit information for a merchant (or SOHO) (for example, a merchant (or SOHO)) in a non-face-to- Information on the deposit history to the account of the non-face-to-face transaction is classified and recorded according to one or more criteria) as extension information of the non-face-to-face transaction complex account, (For example, an amount of money deposited into a complex account for non-face-to-face transactions) is classified and counted according to one or more criteria ) Is added / deleted as extension information of the non-face-to-face transaction multiple account information, and ledger information for leaving and leaving, deposit / withdrawal information (for example, That the history information to add / remove in the extended information of the composite accounts for the dispensing history information recording) in the non-face-to-face transactions comprising one or more ledger information for departure complex is preferred.

On the other hand, if it is determined that one or more additional service setting information valid in the account opening request information is not included or one or more additional service providing information corresponding to additional service setting information included in the account opening request information is generated, The additional service ledger information generating unit 545 generates one or more automatic setting service service ledger information based on the customer information included in the account opening request information.

Herein, the automatic setting service service ledger information includes at least one of the interest rate adjustment service service ledger information, the taxation supplementary service ledger information, the fee adjustment service supplementary service information, the payment support supplementary service ledger information, the billing / It is preferable to further include at least one additional service ledger information that is automatically set by the financial institution policy among the additional service ledger information and further include information of the real name confirmation service ledger for managing the real name verification of the non- .

The real-name confirmation service provision information may include a transaction limit amount through the complex account for non-face-to-face transactions for a predetermined limit amount (e.g., 500,000 won or 200 (For example, one or more of a micro-loan, a credit loan, and a secured loan) through the non-face-to-face transaction multiple account, and the mileage / coupon for the non-face- It is desirable to include at least one ledger information that restricts part (or all) of the accumulation.

According to the method of the present invention, it is preferable that the real-name confirmation service ledger information is deleted after the face-to-face real name confirmation for the non-face-to-face transaction multiple account, Limit limits and unrestricted trading restrictions are desirable.

When one or more additional service ledger information is generated by the additional service ledger information generating unit 545, the additional service ledger generating unit 550 generates the supplementary service ledger information in synchronization with the financial system 594 in which the combined account ledger or customer ledger is created To the ledger system (or financial system) 595 (or the ledger system (or the financial system) 595 in which the additional service ledger corresponding to the non-face-traded trading account is to be provided) One or more additional service ledgers are generated.

Here, the interest rate adjuster service leader may add or subtract a contract interest rate addition / discount (for example, adding a reception interest rate or a credit interest rate during a contract period between a customer and a financial institution) (For example, by adding promotional interest rate or discounting the loan interest rate by the promotion of financial institutions (or affiliated organizations)), re-entry / long-term interest rate addition / (For example, re-entry of a customer or addition of a receiving interest rate by maintaining an account for a long period or discount of a loan rate), mileage cumulative interest rate addition / discount (for example, One or more information fields for storing ledger information for adding a receiving interest rate based on accumulated mileage, or discounting a credit interest rate) W is preferably composed, and each information field of the interest rate adjustment value added services director is preferably initialized to a null (NULL) value.

The taxation appraisal service director may include taxation / non-taxation (for example, a non-face-to-face transaction or a non-face-to-face transaction) for a specific period (for example, a contract term) included in the generated tax additional service ledger information The information field of the taxpayer service extension field is initialized to a NULL value, and the information field of the taxpayer service extension field is initialized to a null value .

The commissioner of the commodity adjustment commissioner may receive a commission reduction (for example, commission reduction by commission between a customer and a financial institution) during a specific period (for example, a contract period, a promotion period, or the like) included in the generated commission supplementary service information (For example, a financial institution (or an affiliated organization)), a ledger information for a promotion fee (for example, a fee reduction by the inclusion of a customer in a promotion of a financial institution Or an affiliate organization), or a reduction of commission fee through a commission reduction coupon purchased by the customer). Preferably, the at least one information field includes at least one information field for storing the information about the information field Is preferably initialized to a null value.

The service support center of the settlement support service provider may include a mileage information (for example, mileage payment provided by a financial institution (or affiliated organization) in response to a settlement process) included in the generated service support service service information, (Eg, a portion (or all) of the payment authorization through the fund provided by the fund operator (such as a state agency / local entity operating a welfare fund, an insurance company operating the insurance fund, a pension operator managing the pension, etc.) (For example, a promotion of a financial institution (or an affiliated organization), or a reduction of a settlement fee according to a settlement attribute), a discount coupon exchange through mileage (for example, (Eg, exchange mileage coupons), affiliate discounts (eg, through partnering with certain affiliates Discount), and it is preferable that each information field of the payment support service service ledger is initialized to a NULL value.

The service ledger of the billing / storing section may include a billing / billing section (for example, billing information) for billing the customer (= the name of the non-face-to-face transaction complex account) (E.g., a medium for storing the bill for a certain period of time), providing a disposable storage account (e.g., disposable (For example, a virtual account for billing institution to accommodate the charge charged to the customer (= name of a non-face-to-face transaction) at one or more billing institutions) ), Ledger information for automatic payment (for example, automatic billing for each billing institution), electronic bill payment management (for example, communication (E. G., An account for payment of bills by billing entity via electronically billed electronic invoice via e. G., Via electronic billing), an escrow Preferably, each information field of the service ledger of the billing / storing unit is initialized to a NULL value.

The record information expanding unit service leader records the deposit information for the affiliated store (or SOHO)) included in the generated record information expanding service service origin information (for example, the account of the merchant (or SOHO)) (For example, the deposit history information is classified according to one or more criteria) is added / deleted as extension information of the non-face value transaction complex account, (For example, classification and counting of amounts deposited in the non-face-to-face transaction multiple accounts based on one or more criteria), deposit and withdrawal information (for example, deposit details for a non-face- Information about the withdrawal history information), one or more information fields for storing the ledger information, and the record information extension Preferably, each information field of the supplementary service origin is initialized to a NULL value.

The real name verification service service director may set a transaction limit amount through the complex account for non-face-to-face transactions to a predetermined limit amount (for example, 500,000 won or 2,000,000 won or more, ), Ledger information for limiting one or more loans (for example, a micro-loan, a credit loan, and a mortgage loan) through the complex account for non-face-to-face transactions, It is preferable to include at least one information field for storing the ledger information for limiting part (or all) of the mileage / coupon accumulation, and each information field of the recorded information expander service ledger is initialized to a NULL value .

When one or more additional service ledgers synchronized with the multiple account ledger or customer ledger generated in the financial system 594 of the existing banking system are created in the ledger system (or financial system) 595, (Or financial system) 595 to store the respective additional service ledger information corresponding to the generated one or more additional service ledgers so that the ratio Non-face-to-face transactions in an unrecognized state without verification of the real name of the customer (for example, the real name financial transaction and confidentiality guarantee law and the confirmation of the real name based on the confidentiality confirmation based on the Presidential Decree No. 15744) And a complex account is opened.

Referring to FIG. 5, when the account opening server 500 stores the additional service origination information corresponding to each of the one or more additional service origins generated by the additional service storage unit 555, (Or the financial system) 595 to the multiple account ledger or the guest account corresponding to the non-face-to-face transaction complex account provided in the financial system 594, (Or additional service ledger addition / deletion means) for processing the additional service ledger addition / deletion unit 560 (or additional service ledger addition / deletion means) (Or financial system) 595 (or the financial system) to the customer's general ledger A log information storage unit 570 (or a log information storage unit) for processing the additional service log D / B stored in the additional service log D / B provided in the financial system (or the financial system 594) And a ledger synchronizing unit 565 (or a ledger synchronizing means) for synchronizing the additional service ledger or additional service ledger log information remotely added to the multiple account ledger or customer ledger in association with the ledger synchronizing unit 594.

When each additional service ledger information corresponding to each of the one or more additional service ledgers generated by the additional service ledger generating unit 550 is stored by the additional service storage unit 555, (Or financial system) 595, an additional service ledger in which the additional service ledger information is stored is stored in a complex account corresponding to the non-face-to-face transaction complex account provided in the financial system 594 To be remotely added to the ledger or customer ledger.

According to an embodiment of the present invention, the supplementary service origination add / delete unit 560 adds / receives the supplementary service origination information stored in the supplementary service origin information stored in the supplementary service management ledger provided in the ledger system (or financial system) It is preferable to process the additional service ledger so as to be added to the multiple account ledger or customer ledger.

The log information storage unit 570 stores the additional service ledger stored in the ledger system (or the financial system 595) (or the financial system 594) when the additional service ledger storing the additional service ledger information is added to the compound ledger or customer ledger. (Or the financial system 594) to generate the additional service ledger log information for the remote addition of the additional service ledger to the multiple account ledger or the customer ledger in conjunction with the ledger system To be stored in the added service log D / B.

The additional service ledger information in which the additional service ledger information is stored is remotely added to the multiple account ledger or customer ledger or the additional service ledger log information is stored in the additional service log D / B via the log information storage unit 570 The ledger synchronizing unit 565 synchronizes with the ledger system (or the financial system) 595 and the financial system 594 to provide an additional service ledger or additional service ledger log information (Or the financial system) 595 and the financial system 594. In this case,

5, the account opening server 500 verifies the validity of opening a complex account for a non-face-to-face transaction through the account opening request information through the validity checking unit 520, and responds to the account opening request information An electronic document generating unit 573 for generating an account opening electronic document including the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction multiple account, And an electronic document transmission unit 575 (or an electronic document transmission means) for transmitting the generated account opened electronic document to an electronic document repository associated with the financial account establishment system .

If the validity of opening the complex account for non-face-to-face transaction through the account opening request information is authenticated through the validity checking unit 520 and a complex account for non-face-to-face transaction corresponding to the account opening request information is opened, Unit 573 includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction complex account, the account setting information included in the account opening request information, Face authentication information included in the account opening request information and non-face authentication result information through non-face authentication information included in the account opening request information, and generates the electronic document information and the electronic document format including the electronic document information in the electronic document format And generating an account-opened electronic document as an encrypted or electronic signature according to a predetermined electronic document creation method.

According to an embodiment of the present invention, the electronic document generation unit 573 includes customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction, Face authentication result information included in account opening request information, loan setting information, and non-face authentication information included in the account opening request information, and generates document contents including at least one of the document contents (E.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) It is preferable to process the electronic document as an account-opened electronic document for opening a multiple account for non-face-to-face transactions.

Alternatively, the electronic document creation unit 573 may include customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information based on the account setting information, the loan setting information, and the non-face authentication result information included in the account opening request information, and transmits the electronic document verification information previously set in the document content (For example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file or a HWP / DOC file including the document contents including the watermarking, A word processor file including at least one document, or a web document file including MHT) for setting up a multiple account for non-face-to-face transactions Advice is preferred to process each other.

Alternatively, the electronic document creation unit 573 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content containing the document content captured image It is preferable to process the image file including the content (for example, the image content generated by capturing the document content on the memory) as an account-opened electronic document for opening the compound account for non-face-to-face transactions.

Alternatively, the electronic document creation unit 573 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content containing the document content captured image The electronic document verification information preset in the content (for example, the image content generated by capturing the document content in the memory) is watermarked, and then the image file including the image content including the watermarking It is preferable to process the electronic document as an account-opened electronic document for opening a multiple account for non-face-to-face transactions.

According to another embodiment of the present invention, the electronic document creation unit 573 includes customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction, Face authentication information included in the account opening request information, loan setting information, and non-face authentication information included in the account opening request information, (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file containing image contents (e.g., image contents generated by capturing the document contents on a memory) Or a word processor file containing one or more of HWP / DOC, or a web document file containing MHT) That the account opening process to electronic documents for opening accounts for complex transactions are preferred.

Alternatively, the electronic document creation unit 573 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information based on the account setting information, the loan setting information, and the non-face authentication result information included in the account opening request information, and captures the document content Generates image content including watermarking method of electronic document verification information previously set in image content (for example, image content generated by capturing the document content in a memory), and generates image content including the watermarking (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file, or a HWP / DOC By creating a web page file, and so on) that include the word-processor file, or MHT containing one or more, it is preferred to process the electronic document to the account opening for said non-face-to-face transaction account opening for composite.

According to another embodiment of the present invention, the electronic document generation unit 573 includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, A document file (e.g., a PDF (Portable Document Format) file corresponding to the document content, or an EDI (electronic document file) corresponding to the document content) captured by capturing document contents Data Interchange) files, or word processor files containing one or more HWP / DOC, or Web document files containing MHT) By, and it is preferably treated to account opening the electronic document for the non-face-to-face transaction account opening for composite.

Alternatively, the electronic document creation unit 573 may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and may include the account opening request information Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content containing the document content captured image Generating image content including the electronic document verification information previously set in content (for example, image content generated by capturing the document content on a memory) in a watermarking manner, and transmitting the image content including the watermarking A document file (e.g., a PDF (Portable Document Format) file, or an electronic data interchange (EDI) file) File, or a word processor file containing at least one of HWP / DOC, or a web document file including MHT), it is preferable to process the electronic document as an account opening electronic document for opening a multiple account for non-face-to-face transaction .

Those skilled in the art will appreciate that the electronic document generation unit 573 may be a technical feature for generating an account opened electronic document of an image file format or a document file format, The description of the file format for the image file or the document file will be described. Therefore, a detailed description thereof will be omitted for the sake of convenience.

When the account opening electronic document is generated by the electronic document generating unit 573, the electronic document transmitting unit 575 transmits the generated account opening electronic document to the electronic document repository associated with the financial account opening system And stores it.

As shown in FIG. 5, the electronic document repository includes an electronic document server 580 and an electronic document D / B 580 linked to an account opening server 500 in the financial account opening system through a communication network, The electronic document transmission unit 575 is configured to transmit the account opened electronic document generated by the electronic document generation unit 573 to the electronic document server 580 via the communication network .

Here, when the electronic document server 580 and the electronic document D / B 580 are provided outside the financial account opening system, the electronic document server 580 and the electronic document D / B 580 It is desirable to be managed by an authorized institution.

According to another embodiment of the present invention, when the electronic document repository is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 575 transmits the electronic document to the electronic document repository It is possible to store the account opening electronic document in the electronic document D / B 580 corresponding to the electronic document repository on the DBMS provided in the financial account opening system, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 575 transmits electronic document related information for generating electronic document management information in the electronic document server 580 (for example, customer information included in the account opening request information And financial account information, financial institution information, and electronic document file format information for a financial account corresponding to the non-face-to-face transaction for the non-face-to-face transaction, to the electronic document repository. The present invention is not limited thereto.

5, an electronic document server 580 corresponding to an electronic document repository that receives and manages the account opened electronic document from the account opening server 500 provided on the financial account opening system, An electronic document receiving unit 583 for receiving the account opening electronic document from the account opening server 500 and electronic document management information for storing and managing the received account opening electronic document in the electronic document D / And an electronic document storage unit 590 for associating the electronic document management information with the account opening electronic document and storing the electronic document management information in the electronic document D / B 580 .

The electronic document receiving unit 583 receives an account opened electronic document in the form of an image file or a document file from the account opening server 500 via the communication network.

According to an embodiment of the present invention, an account opened electronic document received by the electronic document receiving unit 583 via the communication network is transmitted to the account opening server 500 through the account opening request information received from the client terminal 596 And the financial account information for the financial account corresponding to the non-face-to-face transaction, and includes account setting information, loan setting information, and account opening request information included in the account opening request information (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file containing document contents including one or more non-face authentication result information through the non-face authentication information Or a web document file including an MHT), and the like.

Alternatively, the account opened electronic document received by the electronic document receiving unit 583 via the communication network may be transmitted to the account opening server 500 through the customer opening / And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information (E. G., A PDF file containing document contents including the watermarking) after the electronic document verification information previously set in the document content including at least one non-face authentication result information is watermarked, Portable Document Format) file, or EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or MHT It comprises a web page file, and so on), including preferred.

Alternatively, the account opened electronic document received by the electronic document receiving unit 583 via the communication network may be transmitted to the account opening server 500 through the customer opening / And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information And an image file including image content (e.g., image content generated by capturing the document content on a memory) captured by the document content including one or more non-face authentication result information.

Alternatively, the account opened electronic document received by the electronic document receiving unit 583 via the communication network may be transmitted to the account opening server 500 through the customer opening / And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information Watermarking the electronic document verification information previously set in the image content (for example, image content generated by capturing the document content in the memory) captured by the document content including one or more non-face authentication result information, Image file including the image content including the watermarking, It is preferred.

According to another embodiment of the present invention, an account opened electronic document received by the electronic document receiving unit 583 via the communication network is transmitted to the account opening server 500 through an account opening request received from the client terminal 596 And a financial account information for a financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information A document file including image content (e.g., image content generated by capturing the document content on a memory) captured by the document content including one or more non-face authentication result information through the included non-face authentication information (E.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / DOC A processor file, or a web document file including an MHT).

Alternatively, the account opened electronic document received by the electronic document receiving unit 583 via the communication network may be transmitted to the account opening server 500 through the customer opening / And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information Watermarking the electronic document verification information previously set in the image content (for example, image content generated by capturing the document content in the memory) captured by the document content including one or more non-face authentication result information, , And generates a document file including the image content including the watermarking (e.g., A word processor file including at least one of a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file or an HWP / DOC, or a web document file including an MHT) .

According to another embodiment of the present invention, an account opened electronic document received by the electronic document receiving unit 583 via the communication network is transmitted to the account opening server 500 through an account opening And a financial account information for a financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information, Face authentication information included in the non-face authentication information included in the document content (for example, image content generated by capturing the document content on the memory) and the document content (E.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC file A word processor file including at least one file, or a web document file including MHT).

Alternatively, the account opened electronic document received by the electronic document receiving unit 583 via the communication network may be transmitted to the account opening server 500 through the customer opening / And the financial account information corresponding to the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information Watermarking the electronic document verification information previously set in the image content (for example, image content generated by capturing the document content in the memory) captured by the document content including one or more non-face authentication result information, And the image content including the watermarking and the image content included in the document content (E.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

The information generating unit 585 generates an electronic document unique number (or unique information) to be allocated to the account opening electronic document received through the electronic document receiving unit 583, And electronic document management information including electronic document storage time information including the date and time at which the electronic document was received (or the date and time at which the account-opened electronic document was stored).

According to one embodiment of the present invention, the information generating unit 585 refers to the account opening server 500 that has transmitted the account opened electronic document received via the electronic document receiving unit 583, It is preferable to identify the financial institution that transmitted the electronic document management information and generate the electronic document management information further including the confirmed financial institution information.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 500 through the electronic document receiving unit 583, the information generating unit 585 generates the information (For example, one or more pieces of customer information included in the account opening request information and financial account information for a financial account corresponding to the non-face-to-face transaction, financial institution information, and electronic document file format information) It is preferable to generate the electronic document management information that further includes the electronic document management information.

The electronic document storage unit 590 processes the electronic document management information received through the electronic document receiving unit 583 and the electronic document management information generated through the information generating unit 585, 580).

According to one embodiment of the present invention, an account opened electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 is transmitted to the account opening server 500 from the client terminal 596 And the financial account information for the financial account corresponding to the complex non-face-to-face transaction information, the account setting information and the loan setting information included in the account opening request information, (E.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file containing document contents including one or more non-face authentication result information through non-face authentication information included in the account opening request information , Or a word processor file containing one or more of HWP / DOC, or a web document file containing MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 may be stored in the account opening request information received from the client terminal 596 by the account opening server 500 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information The electronic document verification information previously set in document contents including one or more non-face authentication result information through the non-face authentication information is included in a watermarking manner, and then a document file including document contents including the watermarking (E.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file containing one or more HWP / A web document file including HT, etc.).

Alternatively, the account opening electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 may be stored in the account opening request information received from the client terminal 596 by the account opening server 500 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image contents generated by capturing the document contents on a memory) captured by the document contents including one or more non-face authentication result information through the non-face authentication information .

Alternatively, the account opening electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 may be stored in the account opening request information received from the client terminal 596 by the account opening server 500 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image content generated by capturing the document content on a memory) captured by document content that includes one or more non-face authentication result information through non-face authentication information A watermarking method, and an image file including image content including the watermarking It is desirable.

According to another embodiment of the present invention, an account opened electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 is transmitted to the account opening server 500 through the client terminal 596, And the financial account information for the financial account corresponding to the complex non-face-to-face transaction information, the account setting information and the loan setting information included in the account opening request information, Face authentication information obtained from the non-face authentication information included in the account opening request information (e.g., image content captured by capturing the document content on a memory ), A document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file, or a HWP / DOC A word processor file, or a web document file including MHT).

Alternatively, the account opening electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 may be stored in the account opening request information received from the client terminal 596 by the account opening server 500 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image content generated by capturing the document content on a memory) captured by document content that includes one or more non-face authentication result information through non-face authentication information The watermarking method, and the image file including the image content including the watermarking, (E.g., a portable document format (PDF) file or an electronic data interchange (EDI) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) Do.

According to another embodiment of the present invention, an account opened electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 is transmitted to the account opening server 500 through the client terminal 596 And the financial account information for the financial account corresponding to the complex non-face-to-face transaction information, and the account setting information included in the account opening request information and the loan setting information And image content obtained by capturing document content including one or more non-face authentication result information through non-face authentication information included in the account opening request information (e.g., image content captured by capturing the document content in memory A document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file corresponding to the document content, or a HWP / DOC It is preferred which comprises a Web document file, and so on) that include the word-processor file, or MHT comprising one or more than one.

Alternatively, the account opening electronic document stored in the electronic document D / B 580 by the electronic document storage unit 590 may be stored in the account opening request information received from the client terminal 596 by the account opening server 500 And the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information, the loan setting information, and the account opening request information included in the account opening request information (For example, image content generated by capturing the document content on a memory) captured by document content that includes one or more non-face authentication result information through non-face authentication information The image content including the watermarking and the image content including the watermarking (E.g., a portable document format (PDF) file or an electronic data interchange (EDI) file, a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

According to the method of the present invention, the electronic document management information that the electronic document storage unit 590 processes in association with the account opening electronic document and stores in the electronic document D / B 580 is stored in the account- (Or unique information) assigned to the electronic document and the electronic document storage time information.

According to an embodiment of the present invention, the electronic document management information, which is stored in the electronic document D / B 580 by the electronic document storage unit 590 in association with the account opened electronic document, The financial institution information transmitting the account opening electronic document that has been confirmed by referring to the account opening server 500 that has transmitted the account opening electronic document.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 500, the electronic document storage unit 590 processes the electronic document in association with the account opening electronic document, The electronic document management information stored in the D / B 580 stores the received electronic document related information (for example, the customer information included in the account opening request information and the financial account corresponding to the non-face- Financial institution information, financial institution information, and electronic document file format information).

FIG. 6 is a diagram showing a financial system configuration of an existing financial institution and a ledger system (or a financial system) corresponding to a non-face-to-face multi-account transaction according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates one non-face-to-face transaction function that includes one or more of demand, charge, settlement, resale, mileage / coupon, microcredit, and one composite account ledger 630 and customer ledger 635, (Or financial system) synchronized with the financial system, such as interest rate adjustment, taxation, fee adjustment, settlement support, billing / (Or financial) system that opens a complex account for non-face-to-face transactions that provides one or more non-face-to-face transactions through an additional service ledger 610 remotely detached to the multiple account ledger 630 in the financial system. System and financial system. Specifically, the customer ledger 635 and the complex account ledger 630 corresponding to the non-face-to-face multi-account transaction account, One or more additional service ledgers 610 provided to the financial system and added to or deleted from the multiple account ledger 630 to the customer ledger 635 are connected to the ledger system (or financial system) corresponding to the non-face- FIG. 2 illustrates an embodiment of the present invention. FIG.

Those skilled in the art will be able to refer to and / or modify FIG. 6 to understand that a general ledger system (or financial system) corresponding to the non-face-to- However, the present invention includes all of the above-mentioned embodiments, and is not limited only to the method shown in FIG. 6.

For example, in the ledger system (or financial system) shown in FIG. 6, the credit lending ledger and the secured lending ledger are shown as an internal ledger of the combined ledger 630, but the present invention is not limited thereto, It is clear that the credit lending ledger and the mortgage lending ledger can be implemented in the form of an independent ledger linked relationally to the compound ledger 630, and that the present invention includes all possible embodiments of the invention.

Referring to FIG. 6, the financial system of the existing banking system is characterized in that the customer ledger 635 corresponding to each financial system is relationally connected to one or more existing ledgers generated in the conventional manner. (Or financial) system corresponding to the non-face-to-face transaction multiple account, and the complex ledger 630 created through the financial account opening system shown in FIG. 6B is relationally linked to the customer ledger 635. [ System 630 to the customer ledger 635 provided in the financial system via the ledger system (or financial system) in association with the supplementary service management ledger 615 provided in the financial system Additional service synchronizing means for synchronizing the additional service ledger 610 to be reconfigured / modified to the multiple account ledger 630 to the customer ledger 635 on the financial system And having a director (625) is characterized in that formed.

Here, the customer ledger 635 is a ledger including one or more information fields for storing the customer's personal information, member information, and customer number. The ledger includes a customer's personal information (e.g., a name, a resident registration number, (For example, a customer information file (CIF), etc.) to be allocated to the customer, and stores the customer information (for example, a telephone number, a mobile phone number, .

The compound account ledger 630 further includes a basic account ledger for the financial account corresponding to the non-face-to-face transaction complex account, a request ledger, an accumulation ledger, a redeemed ledger, a resale linkage ledger, a mileage / coupon ledger, And a credit lending ledger and a mortgage lending ledger.

Here, the basic account ledger stores the representative account number of the non-face-to-face transaction multiple account, further stores a financial institution number (or code) corresponding to the non-face-to-face transaction complex account and an account account name, (625) of said financial system and said ledger system (or financial system (625), said financial ledger (625), and said ledger system It is preferable that one or more additional service ledgers 610 provided in the ledger system (or the financial system) are remotely detached by add / delete method through the synchronization of the ledgers between the additional service managing director 615 of the additional service managing director 615.

The demand filing field stores the demand-side attribution information for the non-face-to-face transaction complex account, and stores one or more pieces of information for storing the demanded account number (= the requested account number of the non-face- Information field and is linked relationally with the customer ledger 635 and is connected between the supplementary service synchronization ledger 625 of the financial system and the supplementary service management ledger 615 of the ledger system It is preferable that one or more additional service ledgers 610 provided in the ledger system (or financial system) are remotely disconnected by addition / deletion method through the ledger synchronization.

The accumulation-type ledger may store the accumulation-type attribute information for the non-face-to-face transaction complex account, and may further store at least one or more accumulation-type attribute information for storing the accumulation account number (= the accumulation-type sub account number of the non- Information field and is linked relationally with the customer ledger 635 and is connected between the supplementary service synchronization ledger 625 of the financial system and the supplementary service management ledger 615 of the ledger system It is preferable that one or more additional service ledgers 610 provided in the ledger system (or financial system) are remotely disconnected by addition / deletion method through the ledger synchronization.

Wherein the landing type ledger stores at least one of the at least one non-face value and the at least one non-face value of the non-face-to-face transaction, Information field and is linked relationally with the customer ledger 635 and is connected between the supplementary service synchronization ledger 625 of the financial system and the supplementary service management ledger 615 of the ledger system It is preferable that one or more additional service ledgers 610 provided in the ledger system (or financial system) are remotely disconnected by addition / deletion method through the ledger synchronization.

The resale linkage director stores the resale linkage attribute information for the non-face-to-face transaction multiple account, and stores the resale linkage account number (= resale linkage account number of the non-face-to-face transaction) (625) of said financial system and an additional service management (625) of said ledger system (or financial system), said financial system Preferably, at least one additional service ledger 610 provided in the ledger system (or financial system) is remotely detached in an add / delete manner through a ledger synchronization between the ledgers 615.

The mileage / coupon ledger stores the mileage / coupon attribute information for the non-face value transaction multiple account, and stores the mileage / coupon account number (= value type portion for mileage / coupon operation for the non- And a mileage / coupon value information, and is associated with the customer ledger (635) in a relational manner, wherein the additional service synchronization ledger (625) of the financial system and the one or more information fields One or more additional service ledgers 610 provided in the ledger system (or financial system) may be remotely detached in a add / delete manner via ledger synchronization between the service management heads 615 of the ledger system (or financial system) desirable.

The micro-credit director stores the micro-loan property information for the non-face-to-face transaction multiple account, and stores the micro-loan account number (= the micro-account account number of the non-face-to-face transaction multiple account) and the micro- (625) of said financial system and an additional service management (625) of said ledger system (or financial system), said financial system Preferably, at least one additional service ledger 610 provided in the ledger system (or financial system) is remotely detached in an add / delete manner through a ledger synchronization between the ledgers 615.

The credit lending director stores credit loan condition information for the non-face-to-face transaction complex account, a credit loan account number (= credit loan account number of the non-face-to-face transaction complex account), credit loan amount information, (625) associated with the customer ledger (635) and associated with the customer ledger (635), wherein the ledger comprises one or more information fields for further storing credit rating information, And one or more additional service ledgers 610 provided in the ledger system (or financial system) are synchronized with the additional service management ledger 615 of the ledger system (or financial system) .

The mortgage loan manager stores the mortgage loan condition information for the non-face-to-face transaction multiple account, the mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction complex account), the mortgage loan amount information, And a credit information item for storing the credit limit amount information for each secured loan item, wherein the ledger is relationally linked to the customer ledger (635), and the supplementary service synchronization ledger (625) of the financial system ) And the supplementary service management ledger 615 of the ledger system (or financial system), the one or more additional service ledgers 610 provided in the ledger system (or financial system) .

6, a ledger system (or a financial system) corresponding to the non-face-to-face transaction multi account includes one or more additional service ledgers 610 generated through the financial account opening system shown in FIG. 5, (630) to the customer ledger (635) through a ledger synchronization between the supplementary service management ledger (615) provided in the system (or the financial system) and the supplementary service synchronization ledger A composite ledger 630 and one or more additional service ledgers 610 corresponding to the non-face-to-face transaction multiple account, And a ledger operation interface 620 for interfacing with the account opening server 600 and one or more non-facing transaction servers 605 shown in FIG. 5 The.

Here, the supplementary service ledger 610 includes an interest rate adjuster service leader 610, a tax supplementary service leader 610, a fee adjuster service leader 610, a payment assistant service leader 610, a billing / A service ledger 610 and a record information expanding service provider ledger 610. The supplementary service ledger 610 is connected to an additional service management ledger (not shown) provided in the ledger system (or financial system) 615) and the supplementary service synchronization ledger 625 provided in the financial system to the multiple account ledger 630 to the customer ledger 635 via the addition / deletion method.

Here, the interest rate adjuster service director 610 may receive the interest rate addition / discount (for example, the interest rate during the contract period between the customer and the financial institution) included in the generated information on the interest rate adjuster service ledger 610 (For example, adding interest rate by promoting a financial institution (or affiliated organization) or discounting loan interest rate), re-entering information / Information on the ledger for adding or discounting a long-term maintenance interest rate (for example, re-entering a customer or maintaining an account for a long period to add a reception interest rate or discounting the loan interest rate), mileage cumulative interest rate addition / One or more information fields for storing ledger information for adding a receiving interest rate or discounting a credit interest based on the accumulated mileage accumulated by the affiliate) And the like.

The tax addition service director 610 can calculate the amount of taxable / non-taxable (for example, a non-face-to-face transaction or a non-face-to-face transaction) for a specific period (for example, a contract period) included in the generated tax additional service ledger 610 information And one or more information fields for storing ledger information for taxation / non-taxation of one or more transaction attributes included in the complex account for face-to-face transactions.

The fee adjustment service provider 610 may set a fee reduction (for example, a customer and a financial institution) for a specific period (for example, a contract period or a promotion period) included in the created fee adjustment service provider ledger 610 information (Eg, reduction of fees due to the inclusion of a customer in the promotion of a financial institution (or an affiliated organization)), information on a ledger for exchanging commission coupons (For example, provided by a financial institution (or affiliated organization), or a fee reduction through a commission reduction coupon purchased by a customer).

The payment support service providing center 610 receives the mileage accumulation (for example, mileage accumulation provided by a financial institution (or affiliated organization) in response to the payment processing) included in the generated payment support service providing ledger 610 information (For example, a fund manager (funded by a state agency / local entity that operates a welfare fund, an insurance company that operates insurance funds, a pension manager who manages a pension, etc.) (Eg, approving some (or all)), information about the ledger for reducing the payment fee (for example, promoting the financial institution (or affiliated organization), or reducing the payment fee based on the payment attributes), discount coupon exchange through mileage (For example, exchanging mileage over a predetermined standard with a discount coupon), a discount discount (for example, providing an affiliate service with a specific affiliate It comprises at least one information field for storing the ledger information for discount) through are preferred.

The billing / storing section service ledger 610 receives a bill included in the generated billing / storing section service ledger information 610 (for example, the billing / (E.g., a medium for storing billing information for billing to a non-face-to-face transaction) for a certain period of time, providing a disposable account for the bill (For example, providing a one-time account created for storing), a virtual account for classifying the deposit account (for example, storing the charge requested by the one or more billing agencies to the customer (= the name of the non-face-to-face transaction multiple account) (Eg, a virtual account for each billing institution), a ledger information for automatic payment (eg, automatic billing for each billing institution), electronic bill payment management , Information on ledgers for paying bills by billing institution via electronic bills electronically billed through a communication network, and information on ledgers for escrows (for example, an intermediary account for paying bills by billing institution) Lt; RTI ID = 0.0 > information field. ≪ / RTI >

The record information expanding section service ledger 610 records the deposit information for a merchant (or SOHO) included in the generated record information expander service ledger 610 information (for example, SOHO (For example, classification and recording of the deposit history information into the account of the non-face-to-face trader) is added / deleted as extension information of the non-face value transaction complex account, (For example, non-face-to-face transactions), information about a general ledger for a non-face-to-face transaction (for example, And records withdrawal history information and withdrawal history information for the complex account) in the form of a document, and at least one information field for storing the ledger information.

According to the present invention, the supplementary service management director 615 is provided with the interest rate adjustment section 610, the tax addition service director 610, the fee adjustment service section 610, the payment support section 610 After activating at least one additional service ledger 610 of the billing / storing part service ledger 610 and the recorded information expanding service ledger 610, the supplementary service managing ledger 615 and the supplementary service synchronization ledger of the financial system (610) to the customer ledger (635) through synchronization of the ledger (625) between the supplementary service management ledger (615) and the financial system Deletion from the multiple account ledger 630 to the customer ledger 635 by synchronizing the ledger between the additional service synchronization ledger 625 and the remote addition / deletion or addition service ledger 610 of the additional service ledger 610, Generating a supplementary service director 610, the log information (not shown) for the beam reset / modify characterized in that stored in the additional service log D / B (not shown).

According to the method of the present invention, interest rate adjustment for the complex account is requested (or set) from the account opening server 600 associated with the ledger system (or financial system) or one or more non-facing transaction servers 605 The supplementary service management director 615 activates the interest rate adjuster service ledger 610 and then synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system, After adding money remotely to the account ledger 630 to the customer ledger 635, the interest rate adjuster generates the additional service ledger 610 log information for the addition of the service ledger 610 and stores it in the additional service log D / B, It is preferable to synchronize the log information of the supplementary service ledger 610 with the ledger synchronization between the supplementary service management director 615 and the supplementary service synchronization ledger 625 of the financial system, When the interest rate for the compound account is reset / modified from the account opening server 600 to one or more non-face-to-face transaction servers 605, the supplementary service management director 615 transmits the interest- (Or updates) the information on the additional service ledger 610 related to the interest rate adjustment in the activated state, and generates the log information of the additional service ledger 610 for the re-establishment / modification of the service ledger 610, It is preferable to synchronize the log information of the supplementary service ledger 610 with the ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system after storing it in the service log D / When restoring the interest rate on the compound account from the account opening server 600 to one or more non-face-to-face transaction servers 605, the supplementary service management ledger 61 5 inactivates the interest rate adjustment service ledger 610 and then synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the multiple account ledger 630, The interest rate adjuster generates log information of the additional service ledger 610 for deleting the service ledger 610 and stores the log information in the additional service log D / B, and then transmits the additional service ledger 610 log information to the supplementary service management ledger 615 It is desirable to synchronize the additional service ledger 610 log information by synchronizing the ledger between the supplementary services synchronization ledger 625 of the financial system.

Alternatively, when a taxable / non-taxable setting for the complex account is requested (or set) from the account opening server 600 or one or more non-face-to-face transaction servers 605 associated with the ledger system (or financial system) The service management director 615 activates the tax additional service ledger 610 and thereafter synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the complex ledger 630, To the customer ledger 635 and then generates the additional service ledger 610 log information for the addition of the tax additional service ledger 610 and stores it in the additional service log D / And synchronizing the log information of the supplementary service ledger 610 with the synchronization of the ledger between the supplementary service synchronization initiator 625 of the financial system and the account opening server 600, When the taxation / non-taxation setting condition for the complex account is reset / modified from one or more non-face-to-face transaction servers 605, the supplementary service management director 615 determines that the taxation supplementary service ledger 610 is activated (Or updates) the additional service ledger 610 information related to the taxation / non-taxation setting and generates the additional service ledger 610 log information for the re-establishment / modification of the tax additional service ledger 610, / B, it is preferable to synchronize the log information of the supplementary service ledger 610 with the ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system, In the case of recovering the taxable / non-taxable setting conditions for the complex account from the server 600 or one or more non-facing transaction servers 605, The ledger 615 deactivates the tax additional service ledger 610 and thereafter synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the complex ledger 630, After the deletion from the ledger 635, the supplementary service ledger 610 log information for the deletion of the tax additional service ledger 610 is generated and stored in the supplementary service log D / B, And synchronize the log information of the supplementary service ledger 610 with the synchronization of the ledger between the supplementary services synchronization ledger 625 of the financial system.

Alternatively, when the commission adjustment for the complex account is requested (or set) from the account opening server 600 or at least one non-face-to-face transaction server 605 associated with the ledger system (or financial system) The ledger 615 activates the commissioning service provider ledger 610 and thereafter synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the complex ledger 630, After adding the remotely to the customer ledger 635, log information of the additional service ledger 610 for the addition of the fee managing service provider ledger 610 is generated and stored in the additional service log D / B, ) And the supplementary service synchronization ledger 625 of the financial system synchronizes the log information of the supplementary service ledger 610 through the ledger synchronization, When the fee for the complex account is reset / modified from the server 600 or one or more non-face-to-face transaction servers 605, the supplementary service management director 615 determines whether the fee adjustment service provider ledger 610 is activated (Or updates) the supplementary service ledger 610 information related to the commission adjustment and generates the supplementary service ledger 610 log information for the re-establishment / modification of the fee adjuster supplementary service ledger 610, / B, it is preferable to synchronize the log information of the supplementary service ledger 610 by synchronizing the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system, When the fee for the compound account is recovered from the opening server 600 to one or more non-facing transaction servers 605, the supplementary service management director 615, After the commissioning service provider ledger 610 is deactivated, the multiple account ledger 630 to the customer ledger 635 are synchronized through the ledger synchronization between the additional service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system. And generates log information of the additional service ledger 610 for the deletion of the fee adjustment service provider ledger 610 and stores it in the additional service log D / B. Thereafter, the supplementary service management ledger 615 and the financial system It is desirable to synchronize the supplementary service ledger 610 log information through the ledger synchronization between the supplementary service synchronization initiator 625.

Alternatively, when payment support for the complex account is requested (or set) from the account opening server 600 or one or more non-face-to-face transaction servers 605 associated with the ledger system (or financial system) The ledger 615 activates the payment support service ledger 610 and thereafter synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the complex ledger 630, After adding the service ledger 610 to the customer ledger 635, the billing support provider 610 generates log information of the additional service ledger 610 for the addition of the service ledger 610 and stores it in the additional service log D / B, And synchronizing the log information of the supplementary service ledger 610 with the synchronization of the ledger between the supplementary service synchronization initiator 625 of the financial system and the account opening server 600, When the settlement support condition for the complex account is reset / modified from one or more non-facing transaction servers 605, the supplementary service management director 615 determines whether the settlement support conditions for the complex account are reset / After the information on the additional service ledger 610 related to the payment support is modified (or updated), the additional service ledger 610 log information for resetting / modifying the service ledger 610 is generated and the additional service log D / It is preferable to synchronize the log information of the supplementary service ledger 610 with the ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system, 600) to one or more non-facing transaction servers (605), the supplementary service management director (615) updates the payment support condition for the complex account After the payment support supplementary service ledger 610 is deactivated, the combined account ledger 630 and the customer ledger 635 are synchronized through the ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system. And then generates the additional service ledger 610 log information about the deletion of the service ledger 610 by the payment support service provider 610 and stores the log information in the additional service log D / It is desirable to synchronize the supplementary service ledger 610 log information through the ledger synchronization between the supplementary service synchronization initiator 625.

Alternatively, when the billing / receipt setting for the complex account is requested (or set) from at least one non-face-to-face transaction server 605 in the account opening server 600 associated with the ledger system (or financial system) The supplementary service management director 615 activates the service ledger 610 and then synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system, The billing / storing section 610 generates the additional service ledger 610 log information for the addition of the service ledger 610 and stores it in the additional service log D / B, It is preferable to synchronize the log information of the supplementary service ledger 610 with the ledger synchronization between the service management director 615 and the supplementary service synchronization ledger 625 of the financial system, When the billing / receipt setting conditions for the complex account are reset / modified from the server 600 or one or more non-facing transaction servers 605, the supplementary service management director 615 determines that the billing / (Or updates) the information on the additional service ledger 610 related to the billing / storing setting while the billing / storing part 610 is activated, and then the billing / storing part 610 updates the service ledger 610 And stores the generated information in the additional service log D / B, and then synchronizes the additional service ledger 610 log information through the ledger synchronization between the additional service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system Or when charging / receiving setting conditions for the complex account are restored from the account opening server 600 to one or more non-face-to-face transaction servers 605, The service management director 615 deactivates the service ledger 610 and then synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the multiple account ledger 630 or the customer ledger 635 and then the billing / storing part generates the additional service ledger 610 log information for deleting the service ledger 610 and stores it in the additional service log D / B, It is desirable to synchronize the log information of the supplementary service ledger 610 with the ledger synchronization between the management ledger 615 and the supplementary service synchronization ledger 625 of the financial system.

Alternatively, when the record information extension for the multiple account is requested (or set) from the account opening server 600 or one or more non-face-to-face transaction servers 605 associated with the ledger system (or financial system) The management ledger 615 activates the record information expanding section service ledger 610 and then synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the multiple account ledger 630 To the customer ledger 635 and then generates the additional service ledger 610 log information for the addition of the record information expander service ledger 610 and stores it in the additional service log D / It is desirable to synchronize the log information of the supplementary service ledger 610 through the ledger synchronization between the ledger 615 and the supplementary service synchronization ledger 625 of the financial system, The supplementary service management director 615 may update the record information extension for the complex account from the recommendation server 600 or one or more non-face-to-face transaction servers 605, (Or updates) the supplementary service ledger 610 information related to the extension of the record information in the activated state, the supplementary service ledger 610 log information for resetting / correcting the service information ledger 610 is modified It is preferable to synchronize the log information of the supplementary service ledger 610 by synchronizing the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system after storing it in the supplementary service log D / Or when restoring the record information extension to the compound account from the account opening server 600 to one or more non-face-to-face transaction servers 605, The service management director 615 deactivates the record information expanding section service ledger 610 and thereafter synchronizes the ledger between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 of the financial system to the multiple account ledger 630 or the customer ledger 635 and then generates the additional service ledger 610 log information for deleting the record information expanding service ledger 610 and stores it in the additional service log D / It is desirable to synchronize the log information of the supplementary service ledger 610 with the ledger synchronization between the management ledger 615 and the supplementary service synchronization ledger 625 of the financial system.

According to the present invention, the ledger operation interface 620 is configured to allow the account opening server 600 to link the ledger system (or the financial system) with the financial system of the existing financial institution to open the complex account for non- One or more non-face-to-face transactions (or payment settlements) via the composite account for non-face-to-face transactions in connection with the ledger system (or financial system) (or financial system) (For example, a database management system) for interfacing a financial transaction channel for processing a financial transaction channel (for example, a database management system), the system comprising: one or more ledger creation requests requested from the account opening server 600 or one or more non-facing transaction servers 605; And stores at least one additional service ledger 610 in the multiple account ledger 630 to the customer ledger 635 / RTI > is provided.

According to the method of the present invention, when the opening of the complex account for non-face-to-face transaction is requested from the account opening server 600, the ledger operation interface 620 transmits, to the ledger system System 635 and the complex account ledger 630 corresponding to the non-face-to-face transaction multiple account are created in the financial system of the existing financial institution synchronized with the customer's account 635 and the complex account ledger 630, The supplementary service management ledger 615 provided in the ledger system (or the financial system) and the supplementary service synchronization ledger 625 provided in the financial system are connected to the supplementary service ledger 610 The addition / deletion of the additional service ledger 610, the addition / deletion of the additional service ledger 610, Addition of the corresponding to the reset / modification is preferably treated so as to mutually synchronize the service director 610, the log information.

According to another embodiment of the present invention, when opening the complex account for non-face-to-face transaction is requested from the account opening server 600, the account opening server 600 does not link with the ledger operation interface 620, The customer ledger 635 and the complex ledger 630 corresponding to the non-face-to-face transaction multiple account are created in the financial system through the grandfather provided in the financial system of the existing financial institution, If the customer ledger 635 and the complex ledger 630 are created in the financial system, the ledger operating interface 620 may be used to link the ledger system 630 to the combined ledger 630, (605) included in the financial service system (or the financial system) and the supplementary service synchronization ledger (625) provided in the financial system to add / delete the supplementary service ledger (610) And an additional service ledger 610 corresponding to the addition / deletion of the additional service ledger 610 or the reset / modification of the additional service ledger 610 information, To be synchronized with each other.

Alternatively, if a non-face-to-face transaction through the non-face-to-face transaction is requested from one or more non-face-to-face transaction server 605, the ledger operation interface 620, in conjunction with the existing banking financial system, (Or the financial ledger) 615 of the ledger system (or the financial system) and the supplementary service synchronization ledger 625 provided in the financial system ) To identify the at least one additional service ledger 610 added to the multiple account ledger 630 to the customer ledger 635 by synchronizing the inter-lender ledger, The non-face-to-face multi-faceted multi-face multi-face multi-face multi-face multi-face multi-face multi-face multi- It is preferable to process the transaction and apply it to the multiple account ledger 630.

According to another embodiment of the present invention, when a non-face-to-face transaction is requested from the one or more non-face-to-face transaction servers 605 through the non-face-to-face transaction multiple account, (630) to the customer ledger (635) provided in the financial system through the external system provided in the financial system of the existing financial institution without linking with the financial system One or more additional service ledgers 610 added to the multiple account ledger 630 to the customer ledger 635 through a ledger synchronization between the supplementary service management ledger 615 and the supplementary service synchronization ledger 625 provided in the financial system, Face transaction to be a non-face-to-face transaction according to various attributes / conditions of the confirmed non-face-to-face transaction, By treating the non-face-to-face transactions account of the sum it is preferably applied to the composite account ledger 630.

Alternatively, if it is requested to add one or more additional service ledgers 610 from the account opening server 600 to one or more non-facing transaction servers 605 to the multiple account ledger 630 to the customer ledger 635, The operation interface 620 creates (or confirms) one or more additional service ledgers 610 to be remotely added to the multiple account ledger 630 to the customer ledger 635 in the ledger system (or financial system) One or more additional service ledgers 610 (or 610) created (or confirmed) through the ledger synchronization between the supplementary service management ledger 615 provided in the system (or financial system) and the supplementary service synchronization ledger 625 provided in the financial system, It is preferable to remotely add the additional service ledger 610 to the compound ledger 630 to the customer ledger 635. In this case, It is subject to the priority cases are preferred.

Alternatively, if it is requested to delete one or more additional service ledgers 610 from the account opening server 600 or the one or more non-facing transaction servers 605 from the multiple account ledger 630 or the customer ledger 635, The operation interface 620 may be configured to synchronize the one or more additional requested services with the ledger synchronization between the supplementary service management ledger 615 provided in the ledger system (or financial system) and the supplementary service synchronization ledger 625 provided in the financial system It is confirmed whether or not the service ledger 610 is added to the compound ledger 630 or the customer ledger 635 provided in the financial system and the composite account ledger 630 or the customer ledger 635, When it is confirmed that the ledger 610 has been added, an additional service management ledger 615 provided in the ledger system (or financial system) It is preferable that the deletion target additional service ledger 610 is deactivated and added to the multiple account ledger 630 to the customer ledger 635 by synchronizing the ledger between the ledgers 625. In this case, It is preferable to apply the attribute / condition of the self preferentially.

Alternatively, one or more ledgers (for example, a customer ledger 635, a complex ledger 630, a one or more ledgers) included in the non-face-to-face transaction complex account from the account opening server 600, (Or update) of the ledger information to the additional service ledger 610), the ledger operating interface 620 is connected to the supplementary service management ledger 615 provided in the ledger system (or financial system) (Or renewal) target ledger by synchronizing the ledger between the supplementary service synchronization initiator 625 provided in the system and transmits the ledger information included in the revised (or updated) It is desirable to modify (or update) the information.

FIG. 7 is a diagram illustrating a process for opening a multiple account for a non-face-to-face transaction according to another embodiment of the present invention.

FIG. 7 is a flowchart illustrating an example of a method for setting up the customer information, the account setting information, the loan setting information, and the non-face authentication information in the client terminal on the financial account opening system shown in FIG. When the account opening request information is transmitted to a financial institution, the financial institution reads the account opening request information and authenticates the validity of opening the complex account for non-face-to-face transactions. In the technical field of the present invention, As a matter of course, it is possible to refer to and / or modify the drawing 7 in order to make various implementation methods (for example, omitting some steps or changing the order) for the process of opening a multiple account for non-face- However, the present invention is not limited to the above-described embodiments, Only an exemplary method illustrated in surface 7 shall not be limited to that technical feature.

Hereinafter, in FIG. 7, a client terminal on the financial account opening system shown in FIG. 5 is referred to as a "terminal" for convenience, and the account opening server 600 is referred to as a "server" for convenience.

Referring to FIG. 7, the terminal accesses the server through a communication network to connect a communication channel, registers non-face authentication information for opening the complex account for non-face-to-face transactions, and registers non- Face authentication is performed (700).

According to an embodiment of the present invention, the terminal accesses the server and performs non-face authentication including at least one of ID / PW registration and / or issuance / re-issuance of an authorized certificate for registering the non-face- And performs non-face authentication for opening the complex account for non-face-to-face transactions through the registered ID / PW and / or the public certificate (or other certificate).

If the non-face-to-face authentication for opening a non-face-to-face transaction is confirmed (705), the terminal requests a web page for opening a non-face-to-face transaction in the server (710) The server includes one or more web pages including one or more complex account opening user interfaces for inputting (or selecting) the account opening request information including at least one of the customer information, the account setting information, the loan setting information and the non-face authentication information (Or extracts) 715 the web page from the terminal, and transmits one or more web pages including one or more user interfaces for opening a multiple account to the terminal according to a predetermined web page providing procedure (720) Through the one or more multiple account opening user interfaces included in the one or more web pages received and outputted, Information and account setup information and loan setting information and the non-face-to-face authentication input the account opening request information including at least one information (or selected) to 725.

Here, the customer information included in the account opening request information may include personal information of the customer requesting the opening of the non-face value transaction complex account (for example, the name of the customer, a resident registration number, an address, a telephone number, (For example, ID / PW information allocated to the customer by the customer joining the financial transaction customer of the financial institution, etc.), and the like.

The account setting information included in the account opening request information may include basic setting information for the non-face-to-face transaction complex account, interest rate adjustment of the complex account, adjustment of taxes, fee adjustment, billing / billing, And additional service setting information for the additional service.

Here, the basic setting information of the account setting information may include: account setting information for generating financial account information for the non-face-to-face transaction multiple account, and request charge setting information for setting transaction attributes of the non-face- Mileage / coupon setting information for providing the mileage / coupon through the complex account for non-face-to-face transaction, and a mileage / coupon setting information for setting up a separate It is preferable to include at least one micro-loan setting information for approving the loan without reviewing the loan.

Wherein the account setting information included in the basic setting information of the account setting information includes an account number corresponding to the financial account information for the non-face-to-face transaction multiple account, a financial institution number corresponding to the non-face- (Or code), an account alias, and information for issuing an account linkage card.

The request payment setting information included in the basic setting information of the account setting information may include information for setting (or activating) the demand payment transaction attribute in the non-face value transaction complex account, (Or activating) an accumulative transaction attribute in a complex account for face-to-face transactions, wherein the deck-type setting information includes information for setting (or activating) a deck transaction attribute in the complex account for non- And the resale linkage setting information includes information for setting (or activating) a resale link transaction attribute (for example, an investment commodity link property) in the non-face value transaction multiple account.

According to an embodiment of the present invention, the non-face-to-face transaction multiple account preferably includes at least one transaction attribute (for example, a combination of a plurality of transaction attributes) of the requested property, the accumulation attribute, the diversion attribute and the resale attribute .

In addition, the micro-loan setting information included in the basic setting information of the account setting information may be provided to the non-face-to-face transaction multiple account within a predetermined small amount range without credit / guarantee check according to the request of the customer (or a predetermined loan policy) It is preferable to include information for approving the loan without a separate loan review.

According to an embodiment of the present invention, at the time of establishing a non-face-to-face transaction complex account in an unrecognized state among the basic setting information of the account setting information, one of the request payment setting information, the accumulation type setting information, the riding type setting information and the mileage / coupon setting information Or more is set by the customer and one or more setting information that is not set at the account opening time out of the demand setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information is set in the non- (Or automatically by a financial institution policy) by the customer, and the resale linkage setting information and the micro-loan setting information among the basic setting information of the account setting information are stored in the non-face- After confirming the name of the real name, the customer manually (or automatically by financial institution policy) ).

According to another embodiment of the present invention, among the basic setting information of the account setting information, at the time of opening the compounded account for a non-face-to-face transaction in the unrecognized state, the request payment setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information It is preferable that at least one of the basic setting information of the account setting information is automatically set by the financial institution policy. In this case, the demand setting information, the accumulation setting information, the riding type setting information and the mileage / coupon setting information among the basic setting information of the account setting information may be omitted. However, one or more pieces of setting information, which is not set at the account opening time, among the request payment setting information, the accumulation setting information, the riding type setting information, and the mileage / coupon setting information may be manually set by the customer in the non- (Or automatically by a financial institution policy), and the resale linkage setting information and the micro-loan setting information among the basic setting information of the account setting information may be set to be the same as the customer's real name (Or automatically by a financial institution policy).

According to another embodiment of the present invention, at the time of establishing a non-face-to-face complex account for an unrecognized state among the basic setting information of the account setting information, the requested payment setting information, the accumulation type setting information, Is preferably set manually by the customer (or automatically by the financial institution policy), and is set at the account opening time among the request payment setting information, the payload setting information, the riding type setting information and the mileage / coupon setting information And the resale linkage setting information and the micro-loan setting information are set manually (or automatically by the financial institution policy) by the customer after confirming the real name for the non-face-to-face transaction multiple account Do.

Further, the additional service setting information of the account setting information may include at least one of an interest rate adjusting unit service setting information, a tax setting service setting information, a fee adjustment service setting information, a payment support unit service setting information, / Storage unit service setting information, and record information expanding unit service setting information.

The interest rate adjustment unit service setting information included in the additional service setting information of the account setting information may include a contract term interest addition / discount (for example, between a customer and a financial institution) for the non-face- (For example, by adding interest rates by promoting a financial institution (or affiliated organization), or by discounting the loan interest rate), re-entering / Add / subtract long-term interest rate (for example, add customer interest by re-joining customer or maintaining account for a long period, discounting loan interest rate), adding mileage cumulative interest rate / discount (for example, Including adding the receiving interest rate based on accumulated accumulated mileage, or discounting the credit interest rate). It is right.

The tax additional service setting information included in the additional service setting information of the account setting information may include taxation / non-taxation (for example, taxation) for a specific period (for example, a contract term) for the non-face- , A complex account for non-face-to-face transactions, or one or more transaction attributes contained in the non-face-to-face transaction).

The fee adjustment service setting information included in the additional service setting information of the account setting information may be used for a specific period (for example, a contract period, a promotion period, or the like) for the non-face-to-face transaction multiple account without additional account opening / (Eg, reduction of commission by agreement between customer and financial institution), reduction of commission by promotion (for example, reduction of commission by the inclusion (or subscription) of customer in promotion of financial institution (or affiliated organization)), commission It is preferable that information including coupon exchange (for example, information provided by a financial institution (or an affiliated organization) or a fee reduction through a coupon reduction fee purchased by a customer) is set.

The settlement support service setting information included in the supplementary service setting information of the account setting information may include at least one of a payment transfer through the complex account for non-face-to-face transactions or a card payment process through a card associated with the non- (For example, a mileage accumulation provided by a financial institution (or affiliated organization) in response to a settlement process), fund support (for example, a fund operator (a national agency / local device group (Or all) of the settlement approval through the funds provided to the customer by the financial institution (or the pension operator who manages the pension), the settlement fee reduction Promotional, or payment attributes), exchange of discount coupons through mileage (for example, mileage over a predetermined rate is reduced Exchange the phone), affiliate discount (e.g., may be made of, including information for setting at least one discount) through the affiliate service provider of the specific partners.

The billing / storage unit service setting information included in the additional service setting information of the account setting information is charged to the non-face-to-face transaction multiple account without additional account opening / closing (for example, (For example, the name of a compound account for a non-face-to-face transaction) for a certain period of time), providing a disposable storage account (For example, providing a one-time account for creating a receipt for a non-face-to-face transaction), a virtual account for classifying the deposit account (For example, automatic billing by the billing institution), electronic bill payment management (for example, through a communication network) (E. G., Payment of the amount of the charge by the claimant through the electronic bill), and an escrow (e. G., An intermediate account for paying the charge by the claimant).

The record information expanding unit service setting information included in the additional service setting information of the account setting information may be recorded in the deposit account information for the merchant (or SOHO) in the non-face-to-face transaction multiple account without newly adding / For example, the deposit history information of the merchant (or SOHO) is classified and recorded in accordance with one or more criteria), automatic payment of the scheduled amount of deposit (for example, a receivables secured loan), a deposit amount classification / (For example, classification and counting of the amount of money deposited into the transaction complex account based on one or more criteria), and information for setting one or more pieces of deposit and withdrawal information (for example, deposit history information or withdrawal history information record for a non-face- .

According to the embodiment of the present invention, at the time of opening the compounded account for the non-face-to-face transaction in the unrecognized state of the additional service setting information of the account setting information, the interest rate adjusting unit may set the service setting information, the tax additional service setting information, It is preferable that at least one of the payment support service setting information, the billing support service setting information, and the record information expanding service setting information is set manually (or automatically by the financial institution policy) by the customer, The fee setting service setting information, the billing / support service setting information, and the record information expanding unit service setting information are not set at the account opening time The one or more pieces of configuration information may be used for the non- It is for the process (or after confirmation of blindness for complex accounts for the non-face-to-face transactions) is set manually (or automatically by the financial institution policy) is preferred by the customer.

If the person skilled in the art is familiar with the present invention, the above-mentioned interest rate adjuster service setting information, tax addition service setting information, fee adjustment service setting information, billing support service setting information, billing / It is possible to deduce one or more additional service setting information in addition to the information, record information extension service setting information, and it is evident that the present invention includes all the additional service setting information that can be guessed.

The loan setting information included in the account opening request information may be a non-face-to-face type credit check for the non-face-to-face transaction multiple account without separate face-to-face check (for example, a customer visits a financial institution and face- (For example, when a customer visits a financial institution and performs face-to-face authentication through an ID card), the credit-loan setting information for requesting, reviewing, and approving the non-face- And the mortgage loan setting information for requesting, reviewing and approving the mortgage loan setting information.

Here, if the real name of the compound account for non-face-to-face transaction is confirmed (for example, customer real name authentication through face-to-face verification) after the non-face-to-face transaction multi account for non-face- Information for requesting a credit loan in a non-face-to-face manner without checking face to face with the customer on the basis of the confirmation, and setting the credit application to be reviewed and approved by the financial institution in response thereto, A password for requesting a loan).

If the real name of the compound account for non-face-to-face transactions is confirmed (for example, the real name of the customer is verified by face-to-face verification) after the non-face-to-face transaction multi account for non-face- The information on the mortgage loan application (for example, a mortgage loan application (for example, a mortgage loan application), a mortgage loan application request For example, a password for the user.

According to an embodiment of the present invention, the loan setting information may be omitted in the account opening request information according to the intention of a person skilled in the art, and in this case, the loan setting information may be stored in the non- (Or automatically by a financial institution policy) by the customer after the confirmation of the real name for the combined account for the customer.

The non-face authentication information included in the account opening request information includes the validity of a customer opening a non-face-to-face transaction through a communication network in an unspecified state (= unblinded state through face-to-face verification) Authentication information based on the ID / PW-based authentication information and the authorized certificate-based authentication information, and stores the registered account opening password in the non-face-to-face authentication process provided in the account opening server 600 according to the intention of a person skilled in the art .

According to an embodiment of the present invention, the non-face authentication information may be omitted in the account opening request information according to the intention of a person skilled in the art, and thus the present invention is not limited thereto.

If the account opening request information including at least one of the customer information, the account setting information, the loan setting information, and the non-face authentication information is input (or selected) through the user interface for opening the compound account (730) (Or selected) account opening request information to the server through the channel (735), and in response thereto, the server receives the account opening request information through the communication channel, The validity of the non-face-to-face transaction is confirmed (740).

According to an embodiment of the present invention, when the account opening request information is encrypted according to an encryption / decryption method, the server decrypts the account opening request information according to the encryption / decryption method, It is desirable to confirm whether the validity for opening a multiple account for non-face-to-face transactions is satisfied.

Alternatively, if an electronic signature is attached to the account opening request information, the server confirms the electronic signature attached to the account opening request information so that the account opening request information is valid for opening the complex account for non- It is preferable to confirm whether or not it is satisfied.

If a person skilled in the art is familiar with the technical aspects of the present invention, it is possible to provide a technical characteristic of various decryption methods for decrypting the encrypted account opening request information and a technical characteristic of confirming the digital signature attached to the account opening request information The detailed description thereof will be omitted for the sake of convenience.

According to an embodiment of the present invention, the multiple account open validation confirmation for the non-face-to-face transaction using the account open request information is performed by using a one-to-one correspondence with the account open request information in a ledger system (or financial system) And confirming whether the above-mentioned ledger is already registered.

For example, the validity confirmation of the opening of a non-face-to-face transaction using the account opening request information is performed when the customer information (customer personal information, member information, etc.) included in the account opening request information is displayed in a ledger linked to the financial account opening system (Or financial system), and it is preferable that the customer ledger 635 matching the account opening request information is registered in the ledger system (or financial system) , It is preferable to confirm whether the account opening request information satisfies the validity for opening the complex non-face-to-face transaction.

If the non-face authentication information is included in the account opening request information according to the embodiment of the present invention, the non-face-to-face transaction validation confirmation through the account opening request information further includes authenticating the non-face authentication information .

If the validity of the non-face-to-face transaction is not verified (745), the server generates the complex account opening error information and transmits it to the terminal (750).

On the other hand, if the availability of the non-face-to-face transaction is verified (745), the server transmits the request payment, the deposit, the deferral payment, the resale connection, the mileage / coupon, and the micropayment based on the validated account opening request information (Or automatically) in accordance with customer selection (or financial institution policy), such as interest rate adjustment, taxation, commission adjustment, settlement support, billing / Establish a complex account for non-face-to-face transactions.

8A and 8B are views illustrating a process of opening a multiple account for non-face-to-face transaction according to another embodiment of the present invention.

8A and 8B are diagrams for explaining the details of the customer information, the account setting information, the loan setting information, the non-face authentication When the account opening request information including at least one piece of information is received and the validity for opening of the non-face value transaction multiple account is authenticated, the account opening server 600 shown in FIG. A compound ledger 630 and a customer ledger 635 having a complex transaction function including at least one of the above-mentioned demand, charge, settlement, resale linkage, mileage / coupon, and micro loan are created in the financial system, In the illustrated ledger system (or financial system), interest rate adjustment, taxation, commission adjustment, billing support, billing / receipt, recording information expansion (Or a financial institution), and creates a supplementary service ledger 610 for manually leaving (or automatically) remotely departing in accordance with a customer selection (or financial institution policy) The present invention relates to a process for establishing a non-face-to-face transaction multiple account for synchronizing and remotely adding / deleting the supplementary service ledger 610 from the ledger 630 to the customer site 635, It is possible to refer to and / or modify the drawings 8a and 8b in order to carry out various implementation methods (for example, omitting some steps or changing the order) for the process of opening the complex account for non-face-to-face transactions However, it should be understood that the present invention includes all of the above-described embodiments, and the technical features thereof are limited only by the method shown in FIGS. 8A and 8B It does.

For example, Figures 8a and 8b illustrate a customer ledger 635, a multiple account ledger 630, and a ledger for the non-face-to-face transaction multiple account and then create one or more The additional service ledger 610 is created and added to the multiple account ledger 630 to the customer ledger 635. It should be noted that the process of opening the multiple account for non- The process for opening a non-face-to-face transaction for a non-face-to-face transaction according to the present invention is performed by simultaneously creating the customer ledger 635, the multiple account ledger 630 and the loan ledger and one or more additional service ledgers 610, It is evident that all of the methods for generating the customer ledger 635, the combined account ledger 630, and the ledger after the ledger 610 is generated are all made clear.

Hereinafter, in FIG. 8A and FIG. 8B, the account opening server 600 in the financial account opening system shown in FIG. 5 is referred to as a "server" for the sake of convenience.

Referring to FIGS. 8A and 8B, an account open request request message including at least one of customer information, account setting information, loan setting information, and non-face authentication information, When the validity of the non-face-to-face transaction is confirmed and the validity of opening the complex account for non-face-to-face transaction is authenticated, the server extracts, based on the customer information included in the account opening request information, Generates information on the general ledger 635, generates information on the complex account ledger 630 for the financial account corresponding to the non-face-to-face transaction complex account based on the account setting information, (800), and a ledger system (or financial system) corresponding to the complex account for non-face-to-face transactions The customer ledger 635, the complex ledger 630, and the ledger for the financial account corresponding to the non-face-to-face transaction multi-account are created 800 in the synchronized existing banking financial system.

According to the embodiment of the present invention, the server may be a customer ledger (635) to be stored in the customer ledger (635) for the financial account corresponding to the non-face-to-face transaction multiple account based on the customer information included in the account opening request information 635) information is preferably generated.

The information of the customer ledger 635 may include personal information of the customer (for example, a name of a customer, a resident registration number, an address, a telephone number, a mobile phone number, an e-mail address, etc.) included in the customer information of the account opening request information, (E.g., a customer information file (CIF), etc.) to be allocated to the customer.

The server may further include basic account ledger information for the financial account corresponding to the non-face-to-face transaction complex account, demand filed information, payable ledger information It is preferable to generate the information of the complex ledger 630 including at least one of the following information, the deferred ledger information, the resale linked ledger information, the mileage / coupon ledger information, and the microcredit ledger information.

Here, the basic account ledger information includes an account number corresponding to the financial account information generated through the account setting information among the basic setting information of the account setting information included in the account opening request information (= the account number of the non-face- And a financial institution number (or code) corresponding to the non-face-to-face transaction multiple account, and an account alias, and the credit card number associated with the non-face- It is preferable to further include card information corresponding to the account linkage card.

Wherein the demand filing information includes the request charge attribute information of the non-face value transaction complex account set through demand charge setting information among the basic setting information of the account setting information included in the account opening request information, And the generated demanded account number (= the requested account number of the non-face-to-face transaction complex account), and furthermore, the requested deposit amount information set to the initial value '0'.

Wherein the accumulation-type ledger information includes accumulation-type attribute information of the non-face-tradable transaction complex account set through the accumulation-type setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the created accumulation account number (= the accumulation sub account number of the non-face-tradetion complex account), and further include the accumulation amount information set to the initial value '0'.

Wherein the deferred ledger information includes rerecorded attribute information of the non-face value transaction complex account set through the rerecorded setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include the generated deferred account number (= deferred deed account number of the non-face-to-face transaction complex account) and further include the deferment amount information set to the initial value '0'.

Wherein the resale linkage ledger information includes resale linkage attribute information of the non-face value transaction complex account set through the resale linkage setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable to further include a resale linkage account number (= resale linkage account number of the complex account for non-face-to-face transaction) generated through setting information, and further include resale linkage amount information set to an initial value of '0' .

Wherein the mileage / coupon ledger information includes mileage / coupon attribute information of the non-face-to-face transaction multiple account set through the mileage / coupon setting information among the basic setting information of the account setting information included in the account opening request information, It is preferable that the mileage / coupon account number (= value-type sub account number for mileage / coupon management of the non-face-to-face transaction multiple account) generated through the mileage / coupon setting information is further included. Mileage / coupon value information set to " mileage / coupon value information ".

Wherein the micro-loan origination information includes micro-loan property information of the non-face-to-face transaction complex account set through micro-account loan setting information among basic setting information of the account setting information included in the account opening request information, And the micro-loan account number (= the micro-loan account number of the non-face-to-face transaction multiple account) generated through the setting information, and further includes the micro-loan amount information set to the initial value '0' .

According to another embodiment of the present invention, if at least one of the request charge setting information, the payout type setting information, the riding type setting information, the resale linkage setting information, the mileage / coupon setting information and the micropayment setting information is omitted in the account opening request information, The server does not generate the above-mentioned ledger information. In this case, the omitted ledger information may be used for the non-face-to-face transaction (or after confirming the real name of the non-face-to-face transaction) (Or automatically by a financial institution policy).

In addition, the server may further include, based on the loan setting information included in the account opening request information, a credit history information on the financial account corresponding to the non-face-to-face transaction multiple account, It is preferable to generate information.

Here, the credit loan information includes credit loan condition information of the non-face-to-face transaction complex account, which is set through credit loan setting information among loan setting information included in the account opening request information, (= Credit account number of the non-face-to-face transaction multi-account account) generated by the credit card account number generation means desirable.

The mortgage lending information includes mortgage loan condition information of the non-face-to-face transaction complex account, which is set through the mortgage loan setting information among the loan setting information included in the account opening request information, And the generated mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction multi account), and further comprises mortgage loan amount information set to an initial value of '0' .

According to another embodiment of the present invention, if at least one of the credit loan setting information and the secured loan setting information is omitted in the account opening request information, the server preferably does not generate the omitted ledger information, It is preferable that the omitted ledger information is set manually (or automatically by a financial institution policy) by the customer in the process of using the non-face-to-face transaction multiple account (or after checking the real name for the non-face-to-face transaction) Do.

Also, the server confirms a ledger system (or a financial system) that manages a ledger for the non-face-to-face transaction, and displays the financial information corresponding to the non-face-to-face transaction on the ledger system It is desirable to create a customer ledger 635, a combined account ledger 630, and a ledger for the account.

Here, the customer ledger 635 preferably includes one or more information fields for storing customer personal information, member information, and customer number included in the generated customer ledger information 635, Field is preferably initialized to a null value.

The compound ledger 630 stores an account number (= representative account number of the non-face-to-face transaction multiple account) included in the basic account ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, And a basic account ledger including at least one information field for further storing the financial institution number (or code) and the account alias corresponding to the non-face-to-face transaction multiple account, and further storing the account association card information , And each information field of the basic account ledger is preferably initialized to a null value.

The combined account ledger 630 stores the requested payment attribute information included in the requested payment information for the financial account corresponding to the non-face-to-face transaction multiple account, and generates the requested account number (= And a payment request field including at least one information field for further storing the required payment amount information, and each information field of the request charge field is a NULL value It is preferable to be initialized.

Also, the compound ledger 630 stores the accumulation-type attribute information included in the accumulation-type ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated accumulation account number (= And an accumulation type ledger including at least one information field for further storing the accumulation amount amount information, wherein each information field of the accumulation type ledger is a NULL value It is preferable to be initialized.

Also, the compound ledger 630 stores dummy attribute information included in the deferred ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated dummy account number (= And at least one information field for storing further information about the door type value, wherein each information field of the door type ledger is a NULL value It is preferable to be initialized.

Also, the compound ledger 630 stores the resale linkage attribute information included in the resale linkage ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and stores the generated resale linked account number (= A resale linkage ledger including at least one information field for further storing resale linkage amount information, and a resale linkage ledger including at least one information field of resale linkage ledger Is preferably initialized to a null value.

Also, the compound ledger 630 stores mileage / coupon attribute information included in the mileage / coupon ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and stores the generated mileage / coupon account number Mileage / coupon ledger including one or more information fields for further storing mileage / coupon value information (= value-type sub account number for mileage / coupon management of the non-face value transaction multiple account) and mileage / coupon value information Preferably, each information field of the mileage / coupon ledger is initialized to a NULL value.

Also, the compound ledger 630 stores the micro-loan property information included in the micro-loan origination ledger information for the financial account corresponding to the non-face-to-face transaction multiple account, and the generated micro-account account number (= And a micro-credit field including at least one information field for further storing the micro-credit amount information. The micro-credit field includes information fields of the micro-credit field Is preferably initialized to a null value.

According to another embodiment of the present invention, if at least one of the requested requisition information, the accumulation-type ledger information, the transfer type ledger information, the resale linkage ledger information, the mileage / coupon ledger information, and the micro- It is preferable that the omitted ledger does not generate the ledger matched with the omitted ledger information. In this case, the omitted ledger may be used for the non-face-to-face transaction using the complex account (or after confirming the real name for the non-face- It is desirable to be set manually by the customer (or automatically by financial institution policy).

The loan manager stores credit loan condition information (for example, condition information for requesting, reviewing, and approving a credit loan in a non-face-to-face manner) included in credit loan origination information corresponding to the non-face- One or more information fields for further storing the generated credit loan account number (= credit loan account number of the non-face-to-face transaction multiple account), credit loan amount information, customer credit rating information, , And each information field of the credit card issuance field is preferably initialized to a NULL value.

Also, the lending director stores the secured loan condition information (for example, condition information for requesting, screening, and approving the secured loan) in the non-face-to-face transaction type combined account information And further stores the generated mortgage loan account number (= the mortgage loan account number of the non-face-to-face transaction multiple account), the mortgage loan amount information, the customer's mortgage object information, And an information field including the above information field. Preferably, each information field of the secured lending facility is initialized to a NULL value.

According to another embodiment of the present invention, if at least one of the credit loan ledger information and the secured loan information is omitted by the server, the server preferably does not generate a ledger matching the omitted ledger information, In this case, the abbreviated ledger is set manually (or automatically by the financial institution policy) by the customer in the process of using the non-face-to-face transaction (or the real name verification of the non-face-to-face transaction) desirable.

The customer ledger 635, the complex account ledger 630 and the loan ledger for the financial account corresponding to the non-face-to-face transaction multiple account are created in the financial system and the customer ledger 635 and the complex ledger 630 The customer ledger 635, the compound ledger 630, and the ledger information are generated 810 in the financial ledger, and the server receives the customer ledger 635, Stores the information of the ledger 635, stores the information of the complex ledger 630 in the compound ledger 630, and stores the ledger information in the ledger 820.

If the customer ledger 635, the complex ledger 630, and the customer ledger 635, the complex ledger 630, and the ledger information are stored in the financial system 820 , The server reads the account opening request information and checks whether the account setting information included in the account opening request information includes one or more additional service setting information (825).

If it is confirmed that one or more additional service setting information valid in the account opening request information is included in the account opening request information, the server adds one or more additional service ledger information 610 corresponding to the verified supplementary service setting information (835) information on at least one automatic setting service provision ledger 610 that is automatically set in the non-face-to-face transaction multiple account according to the policy of the financial institution, and the multiple account ledger 630 to the customer ledger 635 (Or financial system) to be provided with the supplementary service ledger 610 corresponding to the non-face value transaction complex account (or the financial system) synchronized with the generated financial system (or the financial system) (840) corresponding to one or more additional service ledgers (610) corresponding to information of each service provider (610).

Herein, the additional service ledger 610 information generated through the additional service setting information included in the account opening request information includes the information of the interest rate adjuster service leader 610, the information of the tax supplementary service provider 610, Information of one or more additional service ledgers 610 of the information of the ledger 610, information of the payment support service provider 610, information of the billing / storing service provider 610, and information of the record information extension service 610, .

The information of the interest rate adjuster service leader 610 may include a contract term interest rate addition / discount (for example, a credit interest rate during a contract period between a customer and a financial institution) for the non-face- Or a promotional interest rate addition / discount (for example, by promoting a financial institution (or an affiliate organization)) to add / delete the addition / deletion as an attribute of the non-face- (For example, adding a reception interest rate or discounting a credit interest rate) to / from the composite account for the non-face-to-face transaction, adding / removing the re-entry / long- To add or subtract a credit interest rate as a property of the non-face-to-face transaction, (For example, adding a receiving interest rate or discounting a credit interest based on accumulated mileage accumulated in a financial institution (or an affiliated organization)) as an attribute of the non-face-to-face transaction And deletion / deletion of the ledger information.

The tax incentive service director 610 information may include information on taxable / non-taxable (for example, a complex account for non-face-to-face transactions, for example) for a specific period of time Or taxation / non-taxation of at least one transaction attribute included in the non-face-to-face transaction in the composite account for non-face-to-face transactions) as an attribute of the non-face- desirable.

The information of the fee adjustment service provider 610 may include a fee reduction (for example, a change in a fee) for a specific period (for example, a contract period or a promotion period) for the non-face-to-face transaction multiple account without additional account opening / (Eg, a reduction in commission due to a contract between financial institutions) is added / deleted as an attribute of the non-face-to-face transaction, and the fee is deducted from the promotional fee (for example, (For example, a financial institution (or an affiliated organization) provides the information of a director, a commission coupon (for example, provided by a financial institution (or an affiliate organization) A commission reduction fee through a commission reduction coupon purchased by the customer) is added / deleted as an attribute of the non-face-to-face transaction composite account, It is preferable that the information includes at least one piece of chapter information.

The information of the service aiding support service provider 610 may include at least one of information on the account settlement through the complex account for non-face-to-face transactions or the card settlement process through the card associated with the non- (For example, mileage accumulation provided by a financial institution (or alliance organization) in response to a settlement process) is added / deleted as an attribute of the non-face value transaction complex account, (Or approve some (or all) of the payment authorization through the fund provided by the fund operator (such as the state agency / local entity operating the welfare fund, the insurance company operating the insurance fund, the pension operator managing the pension) The information of the ledger for adding / deleting the addition / deletion of the composite account for the non-face-to-face transaction, the settlement fee reduction (for example, (For example, a reduction in the settlement fee based on the settlement attribute) is added / deleted as an attribute of the non-face value transaction complex account, (For example, a coupon can be exchanged for a coupon) as an attribute of the non-face-to-face transaction, It is preferable to include at least one ledger information for addition / deletion as an attribute of the account and detachment.

The billing / storing section service director 610 information is requested to the non-face-to-face transaction multiple account without additional account opening / closing (for example, from one or more billing agencies to the customer (= (For example, a medium for storing billing information for requesting a billing request from a billing institution for a certain period of time) as an attribute of the non-face-to-face transaction complex account, (For a non-face-to-face transaction), a non-face-to-face transaction account (for a non-face-to-face transaction), and a deposit account A virtual account for classification (for example, a bill received from one or more billing agencies to the customer (= name of a non-face-to-face complex account) (For example, a virtual account for each billing institution) is added / deleted as an attribute of the non-face-to-face transaction account, (For example, payment of a bill amount by a billing institution via an electronic bill electronically charged through a communication network) as attributes of the non-face-to-face transaction A ledger for adding / deleting the ledger information for adding / deleting and removing / adding an escape (for example, an intermediary account for paying the billing fee for each billing institution) as an attribute of the non-face- It is preferable to include at least one piece of information.

The information on the record information expander service leader 610 is used to record deposit information for a merchant (or SOHO) (for example, SOHO (or SOHO)) in the non-face- (For example, classification and recording of the deposit history information into the account of the non-face-to-face trader) is added / deleted as extension information of the non-face value transaction complex account, (For example, the amount of money deposited in the complex account for non-face-to-face transactions) is classified according to one or more criteria And summary information) as extension information of the complex account for non-face-to-face transaction and detachment and deletion, deposit and withdrawal information (for example, Deposit history information or withdrawal history information record) as extension information of the non-face-to-face transaction multiple account to remove / add the withdrawal / withdrawal information.

In addition, the at least one automatic setting service service ledger 610 information automatically generated according to the policy of the financial institution may include information of the interest rate adjusting service service ledger 610, information of the tax attached service ledger 610, One or more additional services led by the financial institution policy among the information of the payment support service provider 610, the billing / storage service service ledger 610, and the recorded information extension service provider 610, (610), and further includes information on a real name verification service provider (610) for managing the real name verification of the non-face value transaction multiple account.

The information on the real name verification service provider 610 may include a transaction limit amount through the complex account for non-face-to-face transactions until a predetermined limit amount (for example, 500,000 won (For example, one or more of a micro-loan, a credit loan, and a mortgage loan) through the complex account for non-face-to-face transactions, It is preferable that the information includes at least one ledger information that restricts some (or all) of mileage / coupon earning.

According to the embodiment of the present invention, the information on the real name verification service provider 610 is preferably deleted after the face-to-face real name confirmation for the non-face-to-face transaction multiple account, It is preferable that the limit and restriction according to the unverified name of the user is canceled.

According to the method of the present invention, the interest rate adjustment service service ledger 610 generated in the ledger system (or the financial system) corresponding to the generated information on the interest rate adjustment service service ledger 610, Service ledger (610) Information on the ledger for adding / discounting the interest rate on the agreement term (for example, adding the interest rate or discounting the loan interest rate during the agreement period between the customer and the financial institution), adding / subtracting the promotional interest rate (Eg, adding a receiving interest rate by promoting a financial institution (or an affiliate organization), discounting the loan interest rate), adding / discounting a reentry / long-term interest rate (for example, reentering a customer, (For example, adding a receiving interest rate or discounting a loan rate), adding / subtracting a mileage accumulated interest rate (for example, The information field of the interest rate adjustment section service director 610 includes at least one information field for storing the ledger information for adding the receiving interest rate or discounting the credit interest rate based on the redemption mileage, It is preferably initialized to a null value.

Alternatively, the tax additional service ledger 610 generated in the ledger system (or the financial system) corresponding to the generated tax additional service ledger 610 information may be included in the generated tax additional service ledger 610 information Store ledger information for taxation / non-taxation (e.g., taxation / non-taxation for one or more transaction attributes contained in a complex account for non-face-to-face transactions or a complex account for non-face-to-face transactions) over a specified period of time , And each information field of the tax addition service field 610 is preferably initialized to a NULL value.

Alternatively, the fee adjustment service provider 610, which is created in the ledger system (or the financial system) in correspondence with the generated fee adjustment service provider information 610, stores the generated fee adjustment service provider information 610 (For example, a reduction in fees due to a commitment between a customer and a financial institution) during a specific period (for example, a contract period or a promotion period) included in the promotion fee, a fee reduction (For example, a financial institution (or an affiliated organization), or a fee reduction coupon that is purchased by a customer) for the purpose of reducing or eliminating the fee And one or more information fields for storing the ledger information for the fee adjustment), and the fee adjustment Go to each of the information fields in the service director 610 are preferably initialized to a null (NULL) value.

Alternatively, the payment support service provider 610, which is created in the ledger system (or the financial system) in response to the generated payment support service provider information 610, displays the generated payment support service provider information 610 (For example, a fund manager (a government agency / local apparatus group that manages a welfare fund), and a fund manager (for example, a fund manager) for collecting mileage (for example, mileage accumulation provided by a financial institution (For example, a financial institution (or a financial institution) (or a financial institution (or a financial institution)) for the purpose of granting part (or all) of a payment approval through a fund provided to the customer by an insurance company (For example, a promotion of an affiliated organization) or reduction of a payment fee according to a payment attribute), discount coupon exchange through mileage (for example, (E. G., Mileage discount coupons), and one or more information fields for storing ledger information for alliance discounts (e. G., Discounts through alliance service offerings with specific alliance partners) It is preferable that each information field of the payment support attachment service field 610 is initialized to a NULL value.

Alternatively, the billing / storing section service ledger 610 generated in the ledger system (or the financial system) corresponding to the generated billing / storing section service ledger information 610 may include a billing / 610) information (for example, a medium for storing the inquiry information requested by the at least one billing institution for the customer (= the name of the non-face-to-face transaction multiple account) for a certain period of time), disposable storage (For example, providing a one-time account for creating a bill for the customer (= name of a non-face-to-face complex account) at one or more billing institutions); a virtual account for classifying the deposit account (For example, a billing agency-specific virtual account for accepting charges from one or more billing entities to the customer (i.e., the name of a non-face-to-face complex account) Information about the ledger for information on the ledger, information on the ledger for automatic payment (for example, automatic billing by the billing institution), payment of the electronic bill (for example, payment of the bill by the billing institution via the electronically billed electronic bill via the communication network) And an expense field for storing an expense information for an escrow (for example, an intermediary account for paying a billing amount for each billing institution), and the billing / It is preferable that each of the information fields of the data field is initialized to a null value.

Alternatively, the record information expanding service service ledger 610, which is generated in the ledger system (or the financial system) corresponding to the generated record information expanding unit service ledger information 610, 610) information of the affiliated store (or SOHO) for the affiliated store (or SOHO) is recorded in the deposit information record (for example, the deposit history information of the affiliated store (or SOHO) Information of the ledger for adding / deleting the extended account information of the complex account for face-to-face transactions, information of the ledger for automatic payment of a predetermined amount of deposit (for example, (Eg, classification and counting of the amount of money deposited into the account according to one or more criteria), deposit and withdrawal information (for example, deposit details information and withdrawal details for a non-face- Write) the information field of each, and preferably comprises at least one information field for storing the ledger information, the record information expansion supplementary service director 610 are preferably initialized to a null (NULL) value.

Alternatively, the blindness verifying service provider 610, which is created in the ledger system (or the financial system) in response to the generated information on the blindness verifying service leader 610, The information of the ledger that manages the transaction limit through the compound account for non-face-to-face transactions within a predetermined limit amount (for example, 500,000 won or 2,000,000 won) until the blindness is confirmed, one or more loans through the compound account for non- (For example, one or more of a micro-loan, a credit loan, and a mortgage loan), a one for storing the ledger information that limits part (or all) of the mileage / coupon accumulation for the non-face- Preferably, each information field of the recording information expanding service service ledger 610 is initialized to a NULL value .

When at least one additional service ledger 610 is created in the ledger system (or financial system) and additional service ledger 610 information corresponding to the generated additional service ledger 610 is generated 845, (610) corresponding to one or more additional service ledgers (610) generated in conjunction with the compound ledger (630) to the customer ledger (635) in cooperation with the ledger system (or financial system) Information is stored (850).

If the respective additional service ledger 610 information corresponding to each of the one or more additional service ledgers 610 generated in the ledger system (or financial system) is stored 855, The additional service ledger 610 storing the additional service ledger 610 information is added to the multiple account ledger 630 to the customer ledger 635 provided in the financial system on the ledger system (860).

According to the method of the present invention, the server activates the supplementary service ledger 610 in which the supplementary service ledger 610 information is stored via the supplementary service management ledger 615 provided in the ledger system (or financial system) , It is preferable to process the additional service ledger 610 so as to be added to the multiple account ledger 630 to the customer ledger 635. [

In addition, the server may include an additional service ledger 610 log information for adding the additional service ledger 610 to the multiple account ledger 630 or the customer ledger 635 in cooperation with the ledger system (or financial system) And stores it in the additional service log D / B provided in the ledger system (or the financial system) (865).

The additional service ledger 610 is added to the multiple account ledger 630 to the customer ledger 635 and the additional service ledger 610 log information corresponding to the additional service ledger 610 is added to the additional service log D / B (step 870). If the non-face-to-face transaction multiple account is opened (step 830) without the at least one additional service setting information being valid in the account open request information, 630 or the customer ledger 635 in synchronization with the ledger system between the ledger system (or the financial system) and the financial system (step 875 ).

If the log information of the additional service ledger 610 and the additional service ledger 610 remotely added to the multiple account ledger 630 to the customer ledger 610 are synchronized 880, An account opened electronic document including financial account information for a financial account corresponding to the non-face-to-face transaction is generated (885).

According to the embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, and is included in the account opening request information Face authentication result information based on the account setting information, the loan setting information, and the non-face authentication result information included in the account opening request information, and generates the electronic document information and the electronic document format including the at least one non- After the electronic document information is included, it is preferable to generate an account-opened electronic document with encryption or electronic signature according to a predetermined electronic document creation method.

According to an embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the complex non-face-to-face transaction, Face authentication result information included in the account opening request information and the non-face authentication result information included in the account opening request information, and generating a document file including the document content For example, a non-face-to-face transaction can be performed using a non-face-to-face transaction such as a portable document format (PDF) file or an electronic data interchange (EDI) file or a word processor file containing one or more HWP / It is desirable to process it as an account opening electronic document for account opening.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication information included in non-face authentication information included in the account opening request information, watermarking the electronic document verification information set in the document content, (E.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file containing a document content including the watermarking, or a word processor including at least one HWP / DOC File, or a web document file including MHT) as an account opening electronic document for opening a multiple account for non-face-to-face transaction .

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and the non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content (for example, the document An image file including image contents generated by capturing the contents on a memory) as an account opened electronic document for opening a multiple account for non-face-to-face transactions.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content captured by the document content (for example, The electronic document verification information previously set in the image content generated by capturing the document content in the memory) in a watermarking manner, and then the image file including the image content including the watermarking is converted into the non- It is desirable to process it as an account opening electronic document for account opening.

According to another embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the complex non-face-to-face transaction, Face authentication information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content including the non- (E.g., a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) containing one image content (for example, image content generated by capturing the document content on a memory) A word processor file including at least one document, or a web document file including MHT), the complex non-face-to- It is preferable to process the document as an account-opened electronic document for the left opening.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content captured by the image content (for example, (E.g., image content generated by capturing document contents on a memory) by using a watermarking method, and generates a document file including image content including the watermarking , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC By generating that the web document file, and so on) that include the word-processor file, or MHT that is preferably treated with account opening the electronic document for the non-face-to-face transaction account opening for composite.

According to another embodiment of the present invention, the server includes the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, Face authentication information included in the account opening request information and the non-face authentication result information included in the account opening request information, and transmits the document content including the non- A document file (e.g., a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file corresponding to the document content) or an image file A word processor file including one or more of HWP / DOC, or a web document file including MHT) It is desirable to process the document as an account opening electronic document for opening a multiple account for non-face-to-face transactions.

Alternatively, the server may include the customer information included in the account opening request information and the financial account information for the financial account corresponding to the non-face-to-face transaction, the account setting information included in the account opening request information, Face authentication result information included in the account opening request information and the non-face authentication result information through the non-face authentication information included in the account opening request information, and transmits the image content (for example, the document Generating image content including watermarking method based on electronic document verification information previously set in an image content generated by capturing a content on a memory and outputting the image content including the watermarking and a document corresponding to the document content File (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / D OC or the like), or a web document file including the MHT), thereby to process the electronic document as an account-opened electronic document for opening a multiple account for the non-face-to-face transaction.

Those skilled in the art will appreciate that the technical features of the server for creating an account opened electronic document in the form of an image file or a document file and an image file or document file corresponding to the account- And the detailed description thereof will be omitted for the sake of convenience.

If an account opening electronic document corresponding to the non-face-to-face transaction is opened (890), the server stores the account opening electronic document as an electronic document repository through the communication network and stores the electronic document in an electronic document repository (895).

According to an embodiment of the present invention, the server can receive electronic document related information for generating electronic document management information in the electronic document server (for example, the customer information included in the account opening request information and the non- Financial institution information, financial institution information, and electronic document file format information for the corresponding financial account) to the electronic document repository, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document repository preferably receives an account opened electronic document in the form of an image file or a document file from the account opening server 600 via the communication network.

According to an embodiment of the present invention, an account opened electronic document received by the electronic document repository through the communication network is transmitted to the account opening server 600 through the account opening request information received from the client terminal, Face authentication information included in the account opening request information and the non-face-to-face authentication information included in the account opening request information, the financial account information corresponding to the non- A document file (e.g., a PDF (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or a word containing at least one HWP / DOC, etc.) containing document contents including one or more non- A processor file, or a web document file including an MHT).

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 600 through the account opening request information received from the client terminal and the customer information included in the non- Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, A document file (for example, a PDF (Portable Document Format) file including the document contents including the watermarking, or a document file containing the document contents including the watermarking, EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or MHT A web document file, etc.).

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 600 through the account opening request information received from the client terminal and the customer information included in the non- Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, And an image file including image contents (e.g., image contents generated by capturing the document contents on a memory) captured by capturing one or more document contents.

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 600 through the account opening request information received from the client terminal and the customer information included in the non- Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, The electronic document verification information previously set in the image content (for example, image content generated by capturing the document content on the memory) captured by one or more document contents is included in a watermarking manner, It is desirable to include an image file containing image content including watermarking. It is right.

According to another embodiment of the present invention, the account opened electronic document received by the electronic document repository through the communication network is transmitted to the account opening server 600 through the account opening request information included in the account opening request information received from the client terminal And financial account information for a financial account corresponding to the non-face-to-face transaction, and wherein the account setting information and the loan setting information included in the account opening request information and the non-face authentication information included in the account opening request information (E.g., PDF (Portable), which includes image content (e.g., image content generated by capturing the document content on a memory) captured by capturing document content that includes one or more non-face authentication result information Document Format) file, or an Electronic Data Interchange (EDI) file, or a HWP / DOC It comprises a document file, or web page file, and so on) containing the MHT is preferred.

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 600 through the account opening request information received from the client terminal and the customer information included in the non- Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, Image content including image content (for example, image content generated by capturing the document content on a memory) captured by capturing one or more document contents including watermarking , And generates a document file (e.g., PD A word processor file including one or more of a HWP / DOC, or a web document file including an MHT), and the like.

According to still another embodiment of the present invention, an account opened electronic document received by the electronic document repository through the communication network is transmitted to the account opening server 600 through the account opening request information received from the client terminal, And a financial account information for a financial account corresponding to the complex account for non-face-to-face transactions, wherein the account setting information and the loan setting information contained in the account opening request information and the non-face authentication (For example, image content generated by capturing the document content on a memory) captured by capturing document content that includes one or more non-face authentication result information through the information, and a document file For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, or a HWP / Or a web document file including MHT), and the like.

Alternatively, the account opened electronic document received by the electronic document repository through the communication network may be transmitted to the account opening server 600 through the account opening request information received from the client terminal and the customer information included in the non- Face authentication information included in the account opening request information, the loan setting information, and the non-face authentication information included in the account opening request information, to the financial account information corresponding to the financial account corresponding to the account opening request information, Image content including image content (for example, image content generated by capturing the document content on a memory) captured by capturing one or more document contents including watermarking And the image content including the watermarking and the image content corresponding to the document content A document file (e.g., a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

The electronic document repository stores the electronic document unique number (or unique information) to be allocated to the received account opening electronic document, the date and time when the account opening electronic document was received (or the date and time at which the account opening electronic document was stored) The electronic document management information including the electronic document storage time information including the electronic document storage time information.

According to an embodiment of the present invention, the electronic document repository refers to the account opening server 600 that has transmitted the received account opened electronic document, identifies a financial institution that has transmitted the account opened electronic document, It is preferable to generate electronic document management information that further includes financial institution information.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 600 through the electronic document repository, the received electronic document related information (for example, the account opening request information And financial document information about the financial account corresponding to the non-face-to-face transaction, financial institution information, and electronic document file format information) desirable.

The electronic document repository associates the received account opened electronic document with the generated electronic document management information and stores the electronic document in the electronic document D / B.

According to an embodiment of the present invention, an account opened electronic document stored in the electronic document D / B by the electronic document repository is stored in the account opening server 600, And a financial account information for a financial account corresponding to the complex account for non-face-to-face transactions, wherein the account setting information and the loan setting information contained in the account opening request information and the non-face authentication (E.g., a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file, or a HWP / DOC file including document contents including one or more non-face authentication result information through information A word processor file, or a web document file including MHT).

Alternatively, an account-opened electronic document stored in the electronic document D / B by the electronic document repository may be stored in the account opening server 600 in a manner similar to the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information (E. G., A PDF (Portable Document Format) file containing document contents including the watermarking, after the electronic document verification information previously set in the document content including one or more pieces of information is watermarked , Or EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or MHT It is preferred which comprises a web, such as a document file).

Alternatively, an account-opened electronic document stored in the electronic document D / B by the electronic document repository may be stored in the account opening server 600 in a manner similar to the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information And an image file including image contents (e.g., image contents generated by capturing the document contents on a memory) captured by capturing document contents including one or more pieces of information.

Alternatively, an account-opened electronic document stored in the electronic document D / B by the electronic document repository may be stored in the account opening server 600 in a manner similar to the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information The electronic document verification information previously set in the image content (for example, the image content generated by capturing the document content on the memory) captured by the document content containing one or more pieces of information is included in a watermarking manner , And an image file including image contents including the watermarking. It is.

According to another embodiment of the present invention, an account opened electronic document stored in the electronic document D / B by the electronic document repository is stored in the account opening request information included in the account opening request information received from the client terminal by the account opening server 600 And a financial account information for a financial account corresponding to the complex account for non-face-to-face transaction, wherein the account setting information, the loan setting information, and the non-face-included information included in the account opening request information (E.g., PDF) including image content (e.g., image content generated by capturing the document content on a memory) captured by the document content including one or more non-face authentication result information through the authentication information (Portable Document Format) file, or an EDI (Electronic Data Interchange) file, or a HWP / DOC It comprises a document file, or web page file, and so on) containing the MHT is preferred.

Alternatively, an account-opened electronic document stored in the electronic document D / B by the electronic document repository may be stored in the account opening server 600 in a manner similar to the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information (E.g., image content generated by capturing the document contents on a memory) captured by capturing document contents including one or more pieces of information in a watermarking manner (E.g., a PDF file containing the image content including the watermarking) Portable Document Format) file, or EDI (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, an account opened electronic document stored in the electronic document D / B by the electronic document repository is included in the account opening request information received from the client terminal by the account opening server 600 And a financial account information for a financial account corresponding to the non-face-to-face transaction, wherein the account setting information, the loan setting information, and the fee included in the account opening request information, which are included in the account opening request information, (For example, image content generated by capturing the document content on a memory) captured by capturing document content including one or more non-face authentication result information through face-to face authentication information and a document corresponding to the document content File (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a HWP / It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT comprising.

Alternatively, an account-opened electronic document stored in the electronic document D / B by the electronic document repository may be stored in the account opening server 600 in a manner similar to the account opening request information received from the client terminal, A financial account information for a financial account corresponding to the multiple account, and the non-face authentication result through the non-face authentication information included in the account setting information and the loan setting information included in the account opening request information and the account opening request information (E.g., image content generated by capturing the document content on a memory) captured by capturing document content including one or more pieces of information in a watermarking manner The image content including the watermarking and the image content corresponding to the document content A document file (e.g., a Portable Document Format (PDF) file, or an EDI (Electronic Data Interchange) file, or a word processor file containing one or more HWP / DOC files, or a web document file containing MHT) .

According to the method of the present invention, the electronic document management information that the electronic document repository processes in association with the account opening electronic document and stores in the electronic document D / B includes an electronic document unique number Or unique information) and the electronic document storage time information.

According to an embodiment of the present invention, the electronic document management information that the electronic document repository processes in association with the account opened electronic document and stores in the electronic document D / B is the account opening information of the account opening server And the financial institution information transmitting the account opening electronic document confirmed with reference to the financial institution information 600.

According to another embodiment of the present invention, when the electronic document related information is further received from the account opening server 600, the electronic document repository processes the electronic document D / B in association with the account opening electronic document The electronic document management information to be stored includes information on the received electronic document (for example, customer information included in the account opening request information, financial account information for a financial account corresponding to the non-face-to-face transaction complex account, financial institution information , And one or more electronic document file format information).

9 is a diagram illustrating a complex account operating system for providing temporary financial benefits through addition / deletion of an additional service ledger 970 according to an embodiment of the present invention.

FIG. 9 is a diagram showing the financial account opening system shown in FIG. 1 or FIG. 5, which is opened on the multiple account ledger system 985 shown in FIG. 2 or FIG. A non-face-to-face transaction type combined account operated by a supplementary service ledger (970) detachment method through addition / deletion of the supplementary service ledger (970) (970) for the non-face-to-face transaction is provided by adding / deleting or re-setting / revising the financial benefit additional service ledger (970) Those skilled in the art will be able to refer to and / or modify the drawing 9 to add / delete the additional service ledger 970 It will be appreciated that various implementations of the multiple account operating system configuration for providing a temporary financial benefit may be inferred (e.g., some configuration portions omitted, subdivided, or combined), but the present invention encompasses all of the above- And the technical features thereof are not limited only by the method shown in FIG.

For example, in FIG. 9, the terminal device requesting the provision of the temporary financial benefit for the multiple account is not limited to the client terminal 995, and the financial institution (or other entity affiliated with the financial institution) A financial automatic machine (not shown) including at least one of an automatic teller machine (ATM) and a cash dispenser (CD) provided in a financial institution, a public switched telephone network (Not shown) connected to a wired telephone network such as a telephone network (PSTN), a voice over IP (VoIP) network, a mobile communication network associated with the financial institution, a call terminal (not shown) connected to a wireless telephone network such as a wireless VoIP network, And it is apparent that the present invention is capable of requesting provision of temporary financial benefits for the complex account through all of the identifiable terminal devices Bayida put it turns out.

9, the multiple account ledger 985 corresponding to the multiple account, the customer ledger 990 and at least one additional service ledger 970 added / deleted to the multiple account ledger 985 to the customer ledger 990 (Or financial system) shown in FIG. 2, the present invention is not limited thereto, and the additional service ledger 970 may be constructed as shown in FIG. 6 (Or financial system) associated with an existing banking financial system in which the complex account ledger 985 and the customer ledger 990 are provided.

In FIG. 9, the ledger system (or financial system) is a system in which the real name verification service provider 970 shown in FIG. 2 or FIG. 6 registers a real name verification (for example, financial real- (Presidential Decree No. 15744), and shall be expressly excluded from the scope of the present invention.

Hereinafter, the non-face-to-face transaction (s) opened on the multiple account ledger (985) system shown in FIG. 2 or FIG. 6 through the financial account opening system shown in FIG. 1 or FIG. The supplementary service ledger 970 is added / deleted / re-established / modified to provide a temporary financial benefit by adding / deleting the supplementary service ledger 970 to the combined account for the supplementary service ledger 970, A component corresponding to one or more means and / or functional configurations for providing a temporary financial benefit to a multiple account is referred to as a " non-face transaction server 900 "for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, the multi-account operating system includes a financial account opening system shown in FIG. 1 or FIG. 5, Or a client terminal 995 including one or more wireless terminals. The client terminal 995 may be connected to the multi-account operating system through a communication network including at least one of a wired communication network and a wireless communication network. Face transaction server 900 is connected to the communication channel.

According to an embodiment of the present invention, the customer accesses the non-facing transaction server 900 through one or more client terminals 995 of a wired terminal connected to a wired communication network or a wireless terminal connected to a wireless communication network, When the financial benefit request information for the temporary financial benefit function of the complex account is added (or selected) through the addition / deletion of the supplementary service ledger 970 through one or more financial benefit request interfaces provided by the transaction server 900, To the non-facing transaction server (900) provided on the complex account operating system through the communication network from the client terminal (995).

The wired terminal is a general term of all terminal devices connected to a TCP / IP (Telecommunications Control Protocol / Internet Protocol) based communication network. The wired terminal is a desktop computer connected to the TCP / IP based communication network, a notebook computer, A home appliance terminal (e.g., a refrigerator, a set-top box, etc.) connected to the home network, and a kiosk (KIOSK) connected to the communication network.

The wireless terminal connected to the wireless communication network may be any terminal device connected to a CDMA (Code Division Multiple Access) / WCDMA / GSM based mobile communication network, all terminal devices connected to a wireless communication network based on HSDPA (High Speed Downlink Packet Access) (PCS) connected to the CDMA / WCDMA / GSM-based mobile communication network, and is a general term for all terminal devices connected to the 802.16x based portable Internet and all terminal devices connected to the IEEE 802.11x based wireless LAN. A personal digital assistant (PDA), a smart phone, a telematics (personal digital assistant) terminal, a personal digital assistant (PDA) Telematics), or a wireless data communication terminal connected to a HSDPA-based wireless data communication network, or the IEEE 802.16x-based portable The Internet, a portable Internet terminal, or a wireless LAN terminal, etc. connected to the IEEE 802.11x based wireless LAN connected to it is preferred comprising one or more than one.

The non-facing transaction server 900 connected to the client terminal 995 may further include an Internet banking server for a complex account, a wireless banking server, a telephone banking server, a TV banking server Or a separate web server for the temporary financial benefit function of the complex account through addition / deletion of the supplementary service ledger 970.

The communication network connecting the client terminal 995 and the non-facing transaction server 900 may be a CDMA / WCDMA / GSM based mobile communication network, an HSDPA-based wireless data communication network , A portable Internet based on IEEE 802.16x, and a wireless LAN based on IEEE 802.11x, or all types of wireless communication networks including a wireless section.

Also, the client terminal 995 outputs one or more financial benefit request interfaces provided by the non-facing transaction server 900, inputs (or selects) one or more pieces of information through the user interface, (For example, a browser program and a communication function, or a program and a communication function for communicating with the non-facing transaction server 900) for transmitting the service to the non-face transaction server 900. [

Those skilled in the art will readily be able to deduce the characteristics of the client terminal 995 corresponding to one or more wired or wireless terminals, and a detailed description thereof will be omitted for the sake of convenience .

The non-facing transaction server 900 provided on the complex account operating system according to the present invention is a collective term of a complex account operating system component connected to the client terminal 995 through a communication network, Apparatus), or may be embodied in one or more programs recorded on a recording medium provided in a server (or apparatus), and it is evident that the present invention is not limited thereto.

According to an embodiment of the present invention, the non-facing transaction server 900 may be a web server provided with a financial institution to which the client terminal 995 accesses, a program provided to the web server, (Or a financial system) accessible via the web server, or a server (or device) on a ledger system (or financial system) (or financial system) accessible via the web server, , Whereby the present invention is not limited thereto.

According to another embodiment of the present invention, the non-face-to-face transaction server 900 may be a non-face transaction server 900 through which a customer who opens the non-face-to-face transaction complex account connects via the client terminal 995, (Or financial system) accessible via the non-facing transaction server 900, or a program provided to the non-facing transaction server 900 (Or a financial system) that is accessible via a central processing unit (CPU), and the present invention is not limited thereto.

According to another embodiment of the present invention, the non-facing transaction server 900 may be an information registration server connectable via a financial automation device or a call terminal in addition to the client terminal 995, (Or financial system) accessible via the information registration server, or a server on the ledger system (or financial system) (or financial system) accessible via the information registration server (Or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, the non-face-to-face transaction server 900 accesses the client terminal 995 (or the complex account for non-face-to-face transactions through the financial account opening system shown in FIG. 1 or 5) And an interface unit (905) for connecting and managing a communication channel with an affiliate server (993) requesting provision of a temporary financial benefit to the opened customer).

According to an embodiment of the present invention, when the client terminal 995 is a wired terminal connected to a wired communication network, the interface unit 905 communicates with the client terminal 995 based on a protocol stack defined in the wired communication network And provides a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program included in the client terminal 995. [

For example, when the client terminal 995 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 905 transmits the browser program to the client terminal 995, (E.g., a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting / receiving information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 995 is provided with a communication program (for example, a non-facing banking program) provided by the non-facing transaction server 900, the interface unit 905 may transmit the communication program And provides a communication interface for connecting the client terminal 995 with a communication channel and transmitting and receiving information (or data) using the communication protocol defined in the communication program.

According to another embodiment of the present invention, when the client terminal 995 is a wireless terminal connected to a wireless communication network, the interface unit 905 may communicate with the client terminal 995 and the client terminal 995 based on a protocol stack defined in the wireless communication network. It is preferable to connect a communication channel and provide a communication interface for transmitting and receiving one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal 995. [

For example, when the client terminal 995 is provided with a browser program corresponding to a wireless application protocol (WAP) or a mobile explorer (ME) protocol, the interface unit 905 transmits the browser program to the client terminal 995 (E.g., a wireless markup language (WML) compliant web page or an HTML compatible web page) or a communication interface for transmitting and receiving information, using a WAP / ME protocol defined in the browser program to provide.

Alternatively, if the client terminal 995 is provided with a communication program (for example, a VM-based banking program or an IC chip-based banking program) provided by the non-facing transaction server 900, the interface unit 905 And provides a communication interface for connecting a communication channel with the client terminal 995 based on the CDMA protocol and 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 client terminal 995 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 905 may be connected to the wired telephone network or the wireless telephone network, It is preferable to connect the call terminal to the call terminal (not shown) based on the voice call protocol and provide a communication interface for transmitting / receiving information (or data) based on the voice call.

For example, the interface unit 905 provides a communication interface for DTMF (Dual Tone MultiFrequency) -based information transmission / reception through the call terminal and a communication interface for transmitting / receiving information based on voice recognition .

According to another aspect of the present invention, the interface unit 905 may include an affiliate server 905 for requesting provision of a temporary financial benefit to a customer who has opened a complex account for non-face-to-face transaction through the financial account opening system shown in FIG. 1 or 5 And a communication channel for receiving the financial benefit request information including at least one of the temporary financial benefit provision target customer information and the financial benefit provision condition information from the service provider 993.

Here, the affiliate server (993) includes a server (or a terminal) provided in an affiliate company that promotes a promotion corresponding to a temporary financial benefit to a customer who opens the non-face-to-face transaction, a complex account for non- And a server (or a terminal) provided in an affiliate providing mileage / coupons that can be converted into a temporary financial benefit to the customer who has established the mileage / coupon.

Referring to FIG. 9, the non-facing transaction server 900 is connected to the non-facing transaction server 900 through a ledger operation interface 980 provided in the ledger system (or financial system) shown in FIG. 2 or FIG. A customer ledger 990, a multiple account ledger 985, and one or more additional service ledgers 970 corresponding to the non-face-to-face transaction multiple account opened through the illustrated financial account opening system are managed by the financial institution policy And a management unit 910 (or a ledger management means).

According to the embodiment of the present invention, the ledger management unit 910 may include one or more face authentication means (for example, a financial automation apparatus having a face-to-face authentication function, or face-to face authentication 1 or 5 shown in FIG. 1 or FIG. 5, it is confirmed whether the face-to-face type real name is confirmed for the non-face-to-face transaction type complex account opened in the non-face-to-face state opened through the financial account opening system shown in FIG. When confirming the real name of the combined account for trading, the blindness confirmation service leader 970 of the additional service ledger 970 is deleted (for example, through the supplementary service management ledger 975) through the ledger operation interface 980 It is desirable to cancel the restriction on the unblinded composite account for the non-face-to-face transaction and the restriction on various transactions by disabling the additional service ledger (970) All.

Alternatively, the ledger management unit 910 may manage the financial institutions (eg, financial institutions) shown in FIG. 1 or FIG. 5 according to the policy of the financial institution (for example, a supplementary service provision policy for each stage of customer situation according to age change / employment / marriage / (990), a complex account ledger (985), and one or more additional service ledgers (970) constituting a non-face-to-face transaction multiple account opened through the account opening system, (Or updates) the ledger information included in one or more supervisory target ledgers or, if the verified supervisory ledger is the supplementary service ledger 970, transmits the verified supervisory service ledger 970 to the multiple account ledger (For example, activating / deactivating the managed service supplementary service ledger 970 via the supplementary service management ledger 975) from the service provider 985 or the customer ledger 990. [

According to another aspect of the present invention, while the ledger management unit 910 manages various ledgers corresponding to the non-face-to-face transaction multiple account opened through the financial account opening system shown in FIG. 1 or FIG. 5, Provision of temporary financial benefits to provide temporary financial benefits to customers who have opened the multiple account for non-face-to-face transactions according to the policy of the financial institution; confirmation of financial benefit request information including at least one of the target customer information and the financial benefit provision condition information Or generates) a predetermined number of pixels.

Here, the financial benefit request information may include information on whether the financial institution requests the customer who newly joined the non-face-to-face transaction multiple account through the financial account opening system shown in FIG. 1 or 5 or a promotion (Or a winning bidder), or a customer who satisfies the policy set by the financial institution among long-term good customers who have operated the complex account for non-face-to-face transaction for a long time, (985) to customer (990) without the need to change the terms of the contract, reshuffle, resale, mileage / coupon, or microcredit) By simply adding the additional service ledger 970, it is possible to temporarily request the customer to provide the financial benefit before deleting the service liability 970 And the like.

9, when the client terminal 995 has connected a communication channel through the interface unit 905, the non-facing transaction server 900 transmits the additional service ledger 970 to the non- The customer terminal 995 may be provided with financial information including at least one of customer information and financial benefit provision condition information for providing a temporary financial benefit through addition / deletion of the additional service ledger 970 in order to provide a temporary financial benefit function of the complex account. (Or extracts) one or more financial benefit request interfaces for inputting (or selecting) the benefit request information and transmitting the benefit request information to the non-facing transaction server 900, and generating (or extracting) An interface providing unit 915 (or an interface providing unit) for providing a financial benefit request interface to the client terminal 995, (Or inputting) financial benefit request information including at least one of customer information and financial benefit provision condition information for providing a temporary financial benefit by adding / deleting the additional service ledger 970 through the financial benefit request interface And an information receiving unit 920 (or information receiving means) for receiving the financial benefit request information transmitted from the client terminal 995 in cooperation with the interface unit 905 do.

The interface providing unit 915 connects the communication channel with the non-facing transaction server 900 through the interface unit 905 and transmits the communication channel to the non-facing transaction server 900 When the financial benefit request interface for the temporary financial benefit function of the complex account is added / deleted through the service ledger 970, the client terminal 995 provides a temporary financial benefit by adding / deleting the additional service ledger 970 (Or selecting) the financial benefit request information including at least one of the customer information for providing the financial benefit provision condition and the financial benefit provision condition information and transmitting the financial benefit request information to the non-face transaction server 900 through the communication network Or extracted from a database (not shown), and is linked with the interface unit 905 to generate the financial benefit request Through the communication network the device is characterized in that provides to the client terminal (995).

According to an embodiment of the present invention, when the client terminal 995 is a wired terminal connected to a wired communication network, the interface providing unit 915 may be provided as a browser program or a communication program provided in the client terminal 995 (Or extracts) a financial benefit request interface, and provides the generated (or extracted) user interface to the client terminal 995 through the interface unit 905. [

According to another embodiment of the present invention, when the client terminal 995 is a wireless terminal connected to a wireless communication network, the interface providing unit 915 provides a browser program or a communication program provided in the client terminal 995 (Or extracts) a possible financial benefit request interface, and provides the generated (or extracted) user interface to the client terminal 995 through the interface unit 905. [

According to another embodiment of the present invention, when the client terminal 995 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 915 transmits (Or extracts) a financial benefit request interface that can be provided (for example, a graphical user interface that can be output through a voice-based user interface or a screen output unit provided in the call terminal) And provides the generated (or extracted) user interface to the call terminal (not shown).

And one or more user interfaces for inputting (or selecting) the financial benefit request information to the client terminal 995 according to another embodiment of the present invention and transmitting the information to the non-face transaction server 900 through the communication network In the case where the program is provided, the interface providing unit 915 for generating (or extracting) the financial benefit request interface and providing it to the client terminal 995 may be omitted, and the present invention is not limited thereto.

When the client terminal 995 inputs (or selects) the financial benefit request information for providing the temporary financial benefit by adding / deleting the additional service ledger 970 through the financial benefit request interface, the information is transmitted to the information receiver 920) receives the financial benefit request information including at least one of the customer information and the financial benefit provision condition information in association with the interface unit (905).

Here, the customer information may include customer identification information for identifying a customer (or a complex account opened by the customer) to receive a temporary financial benefit through the financial benefit request information, (Or the unique information) among the customer ledger 990 information provided in the system (or the financial system).

According to an embodiment of the present invention, the customer information may include at least one of a member ID information of a customer, a customer information file (CIF), a resident registration number (or a resident registration number and a customer name) When the benefit request information is received from the affiliate server 993, the customer information preferably includes at least one member ID information, a resident registration number (or a resident registration number and a customer name) registered in the affiliate company.

The financial benefit provision condition information may include at least one of promotional affiliate information and promotion subscription (or winning) information for the customer, mileage / coupons convertible to the financial benefit to the customer, It is preferable to include at least one of the partner information and the mileage / coupon information to be provided.

If the financial benefit request information is confirmed (or generated) according to the policy of the financial institution, the financial benefit provision condition information may include at least one of a complex account opened by the customer (or a request for credit, (Or any combination of the two or more of the multiple accounts (or any combination of the demand, deposit, transfer, resale, mileage / coupon, micro-loan) included in the compound account Information on the customer, and good / rain quantity information on the customer.

9, when the financial benefit request information is received through the information receiving unit 920, the non-face transaction server 900 reads the received financial benefit request information, And a validity checking unit 925 (or validity checking means) for confirming whether or not the complex account satisfies the effectiveness for providing the temporary financial benefit function for the complex account.

According to the embodiment of the present invention, when the financial benefit request information is encrypted according to the encryption / decryption method, the validity checking unit 925 decrypts the financial benefit request information according to the encryption / decryption method, It is desirable to verify that the benefit request information satisfies the validity to provide the temporary financial benefit function for the multiple account through the compound account.

Alternatively, when an electronic signature is attached to the financial benefit request information, the validity checking unit 925 confirms the electronic signature attached to the financial benefit request information so that the financial benefit request information is transmitted to the multiple account It is desirable to ascertain whether it meets the validity to provide a temporary financial benefit function for.

Those skilled in the art will appreciate that the technical characteristics of various decryption methods for decrypting the encrypted financial benefit request information and the technical features of confirming the digital signature attached to the financial benefit request information The detailed description thereof will be omitted for the sake of convenience.

According to the method of the present invention, the validity confirmation for providing the temporary financial benefit function for the complex account through the complex account can be performed by checking the validity of the combined account in the general ledger system (or the financial system) (or the financial system) And checking whether at least one ledger matched with the financial benefit request information has already been registered.

For example, the validity confirmation for providing the temporary financial benefit function for the complex account through the complex account may be performed when the account information included in the financial benefit request information is stored in the general ledger system (or financial system) (Or an internal ledger included in the multiple account ledger (985) of the multiple account ledger (or the financial ledger) included in the multiple account ledger (985), the accrual ledger, the landing ledger, the resale linkage ledger, the mileage / coupon ledger, (Or financial system), if the ledger matched with the financial benefit request information is registered in the ledger system (or financial system), the financial benefit request information may be combined It is important to verify that the account meets the validity to provide temporary financial benefits for the multiple account. desirable.

In a case where the non-face authentication information is included in the financial benefit request information according to the embodiment of the present invention, the validity check for providing the temporary financial benefit function for the complex account through the complex account is performed by authenticating the non-face authentication information And the like.

9, when the financial benefit request information is received through the information receiving unit 920, the non-facing transaction server 900 transmits a temporary financial benefit function for the complex account through the received financial benefit request information To provide a temporary financial benefit by adding / deleting the additional service ledger 970 to the multiple account ledger 985 to the customer ledger 990 corresponding to the non-face-to-face transaction multiple account, The supplementary service confirmation unit 930 that confirms whether the information on the financial benefits supplementary service ledger 970 added to the compound ledger 985 or the customer ledger 990 has been reset / (Or additional service confirmation means), and the supplementary service confirmation unit 930, as a result of the confirmation of the additional service ledger 970, When the addition or modification of information on the supplementary service ledger 970 of the financial benefit supplementary service provider 970 is confirmed or confirmed in the guest place 990, the financial benefit supplementary service provider 970 information to be added (or reset / modified) (Or an additional service ledger 970) information generating unit 935 (or an additional service ledger 970 information generating means) for generating the supplementary service ledger generating unit 940 And an additional service storage unit 945 (or additional service storage means) for storing the financial benefit additional service ledger 970 information in the ledger 970.

9, the non-face-to-face transaction server 900 checks whether the financial service supplementary service ledger 970 is newly added as a result of checking by the supplementary service confirmation unit 930, (Or an additional service ledger 970) generating means 940 (or an additional service ledger 970) generating means for creating the financial benefits supplementary service ledger 970 in the ledger system (or financial system) shown in FIG. 6 .

9, when the non-face-to-face transaction server 900 confirms that the supplementary service confirmation unit 930 deletes or re-establishes / corrects the service fund 970, The supplementary service ledger confirmation unit 960 (or the supplementary service ledger 970 (see FIG. 6)) which confirms the deletion or reset / correction target financial benefit supplementary service provider 970 in connection with the ledger system (or financial system) ) Confirming means) are further provided.

When the financial benefit request information is received through the information receiving unit 920 and the validity of the received financial benefit request information is authenticated by the validity checking unit 925, In order to provide the temporary financial benefit function for the complex account through the financial benefit request information, the new financial benefit supplementary service director 970 is provided in the multiple account ledger 985 to the customer ledger 990 corresponding to the non-face- Or if the financial benefit supplementary service director 970 is added to the multiple account ledger 985 to the customer ledger 990, the multiple account ledger 985 to the customer ledger 990 may be added. (970) of the financial benefit supplementary service provider (970) stored in the financial service supplementary service provider (970) Or the like.

According to an embodiment of the present invention, the supplementary service confirmation unit 930 may be connected to the general ledger system (or the financial system) to identify the multiple account ledger 985 to the customer ledger 990 (930) for providing the temporary financial benefit function for the complex account is added to the combined account ledger (985) to the customer ledger (990) In the case where the beneficial supplementary service ledger 970 is not added, the financial benefit supplementary service director 970 is provided to the multiple account ledger 985 or the customer ledger 990 to provide the temporary financial benefit function for the multiple account. It is preferable to confirm that the addition is performed.

In accordance with another embodiment of the present invention, a financial benefit supplementary service provider for providing a temporary financial benefit function to the complex account ledger 985 to the customer ledger 990 corresponding to the non-face- The supplementary service confirmation unit 930 confirms that the supplementary service confirmation unit 930 has received the payment information from the multiple account ledger 985 or the customer ledger 990 in order to provide a temporary financial benefit function for the complex account. It is desirable to confirm whether to delete the financial benefit supplementary service ledger 970 or to reset / modify part (or all) of the financial benefit supplementary service ledger 970 information stored in the financial benefit supplementary service provider 970.

If the financial benefit additional service ledger 970 for providing the temporary financial benefit function for the complex account is added to the multiple account ledger 985 to the customer ledger 990, the supplementary service checking unit 930 ) Confirms the financial benefit expiration date and time information included in the financial benefit supplementary service information 970 and if the financial benefit expiration date and time has come (or passed), the multiple account ledger 985 to the customer ledger 990 It is desirable to confirm that the financial benefit supplementary service ledger 970 is deleted.

If it is determined as a result that the financial support service provider 970 is provided with the financial account supplementary service provider 970 in the multiple account ledger 985 to the customer ledger 990 corresponding to the non-face- The supplementary service ledger information generator 935 generates the supplementary service ledger information 935 from the information items included in the service liability supplementary service ledger 970, (Or reset / modify) target financial supplementary supplementary service ledger 970 information including at least one additional (or reset / modified) target information item corresponding to the information.

The financial benefit supplementary service information 970 includes information on a financial benefit to be temporarily provided to the complex account (or a demand, deposit, And financial information including financial benefit information for each type of financial benefit and financial expense information including at least one of a financial start date and an expiration date information.

Here, the type of financial benefit may include interest adjustment benefits (for example, addition of interest on deposits, loan of money, etc.) to the complex account (or a demand account included in the complex account, a deposit formula, a rationale, a resale linkage, a mileage / coupon, (Eg, mileage / coupon addition, affiliate discount), billing / receipt benefit (eg, billing / billing), tax benefit (Eg, provision of services, reduction of payment fees, management of bills), and free use of record information extension.

The financial benefit information for each type of financial benefit may be provided to the customer or the complex account (or a request, deposit, transfer, resale link, mileage / coupon, micro-loan included in the complex account) (For example, additional value, discount value) corresponding to the financial benefit to be performed.

The financial benefit start date and time and the expiration date information are obtained by adding the financial benefit additional service ledger 970 to the multiple account ledger 985 (or the demand ledger included in the multiple account ledger 985, the accrual ledger, (Or the internal ledger of any one of the mileage / mileage / coupon ledger and the microdecrease ledger), and the time when the financial benefit is started and the date when the multiple account ledger 985 (or the demand ledger included in the multiple account ledger 985) Including the date when the financial benefits supplementary service ledger 970 is deleted from the financial liability supplementary service ledger 970 from the internal ledger of any one of the accumulation ledger, the diversion ledger, the resale linkage ledger, the mileage / coupon ledger, .

Alternatively, in order to provide the temporary financial benefit function for the complex account, the new financial benefit supplementary service provider 970 is provided to the multiple account ledger 985 to the customer ledger 990 corresponding to the non-face- The supplementary service ledger generation unit 940 generates the supplementary service ledger information 940 by the supplementary service ledger information generation unit 935 on the ledger system (or financial system) And the new addition target financial benefit supplementary service ledger 970 to be added to the multiple account ledger 985 to the customer ledger 990 in response to the information.

Herein, the financial benefits supplementary service director 970 is a financial benefits kind (hereinafter referred to as "financial benefit type") to be temporarily provided to the complex account (or a demand charge, a deposit formula, a transfer form, a resale connection, a mileage / coupon, And an information field including at least one of a financial benefit information, a financial benefit start date and time, and an expiration date information, and each information field of the financial benefit supplementary service ledger 970 is initialized to a NULL value .

According to the method of the present invention, any one of the multiple demand ledger 985 (or the demand ledger included in the multiple account ledger 985, the accumulative ledger, the landing ledger, the resale linkage ledger, the mileage / coupon ledger, The financial benefit supplementary service provider 970 can provide the financial benefits supplementary service 970 to the complex account ledger 985 (or the request ledger included in the complex account ledger 985, (Or the internal ledger of any one of the mileage / coupon ledger and the microdecrease ledger) of the multiple account ledger 985 (or the combined ledger 985), as well as the basic attributes / conditions of the multiple ledger 985 (970), which is added to the additional service ledger (970) added to the request ledger (930), which is added to the request ledger (930), the request ledger, the accrual ledger Whereby one or more financial benefits corresponding to the type of the financial benefit can be applied to the complex account (or a demand, deposit, settlement, resale link, mileage / coupon, micro-loan included in the complex account) As shown in FIG.

Alternatively, in order to provide the temporary financial benefit function for the complex account as a result of the confirmation, the financial benefit supplementary service provider (hereinafter referred to as " financial benefit supplementary service provider ") added to the composite account ledger 985 or customer ledger 990 corresponding to the non- The additional service ledger identification unit 960 is added to the combined account ledger 985 to the customer ledger 990 in association with the ledger system (or financial system) And the service reimbursement reimbursement supplementary service supplementary unit 970 among the one or more supplementary service revenues 970 having the reimbursement / modification target.

Alternatively, in order to provide the temporary financial benefit function for the complex account as a result of the confirmation, the financial benefit supplementary service provider (hereinafter referred to as " financial benefit supplementary service provider ") added to the composite account ledger 985 or customer ledger 990 corresponding to the non- The additional service ledger identification unit 960 identifies the additional service ledger identification unit 960 in the composite account ledger 985 or the customer ledger 990 in association with the ledger system (or financial system) The deletion target financial benefit additional service ledger 970 of the additional service ledger 970 is confirmed.

The financial benefits supplementary service ledger 970 is created in the ledger system (or financial system) according to an embodiment of the present invention, and the supplementary service ledger information generator 935 generates the supplementary service ledger information generator 935, The supplementary service storage unit 945 associates the generated financial benefits supplementary service fund 970 with the ledger system (or financial system) The supplementary service origin information generator 935 stores the generated service supplementary service origin 970 information.

When the financial benefit supplementary service ledger 970 to be deleted from the compound ledger 985 or the customer ledger 990 is confirmed in accordance with another embodiment of the present invention, (Or the financial system) and confirms the deletion target financial benefit supplementary service ledger 970 added to the multiple account ledger 985 or the customer ledger 990, and the composite account ledger 985 to the customer ledger The deletion target financial benefit additional service ledger 970 is deleted.

If the reconfiguration / modification target financial service supplementary service ledger 970 added to the multiple account ledger 985 to the customer ledger 990 is confirmed according to another embodiment of the present invention, 945) updates (partially or entirely) the information on the reconfiguration / modification target financial service supplementary service ledger 970 to the generated financial supplemental supplementary service ledger 970 information by the supplementary service ledger information generator 935 And stores it.

9, the non-facing transaction server 900 generates a new financial benefit supplementary service ledger 970 in the ledger system (or financial system) by the supplementary service ledger generation unit 940, (Or the financial system) (or the financial system) when the financial benefits supplementary service ledger 970 information is stored in the new financial benefit supplementary service ledger 970 generated by the supplementary service storage unit 945, And adds the financial benefits supplementary service ledger 970 to the multiple account ledger 985 to the customer ledger 990 corresponding to the non-face-to-face transaction multiple account, When the financial benefits supplementary service ledger 970 is confirmed, the financial benefits supplementary financial institution 970 is connected to the ledger system (or the financial system) (or the financial system) And an additional service ledger add / delete unit 950 (or an additional service ledger 970 add / delete unit) for deleting the service ledger 970.

The new financial benefit supplementary service ledger 970 is created in the ledger system (or the financial system) by the supplementary service ledger generation unit 940 or the new financial benefit unit 970 generated by the supplementary service ledger generation unit 940 If the financial benefits supplementary service ledger 970 information is stored in the service ledger 970, the supplementary service ledger add / delete unit 950 may add / delete the supplementary service ledger add / delete unit 950 to the ledger system (or the financial system) And the financial benefit supplementary service ledger 970 is added to the complex account ledger 985 to the customer ledger 990 corresponding to the complex account for face-to-face transactions.

According to an embodiment of the present invention, the supplementary service fund addition / deletion unit 950 is connected to one or more additional supplementary service ledgers 970 through an additional service management ledger 975 provided in the ledger system (or financial system) It is preferable to process the additional service ledger 970 so as to be added to the multiple account ledger 985 to the customer ledger 990. [

Alternatively, if the service objective addition unit 950 confirms the deletion target financial benefit supplementary service ledger 970 by the supplementary service confirmation unit 930, the supplementary service fund adding / deleting unit 950 adds the supplementary service ledger add / delete unit 950 to the ledger system (or financial system) And deletes the deletion target financial benefit supplementary service ledger 970 from the multiple account ledger 985 or the customer ledger 990 in association with the financial support service provider 970. [

According to an embodiment of the present invention, the supplementary service ledger add / delete part 950 adds one or more deletion target supplementary service ledgers 970 through the supplementary service management ledger 975 provided in the ledger system (or financial system) It is preferable to process the additional service ledger 970 so as to be deleted from the multiple account ledger 985 to the customer ledger 990. [

9, the non-face-to-face transaction server 900 determines whether or not the financial service supplementary service ledger 970 is added / deleted by the supplementary service fund adding / deleting unit 950, (Or the financial system), the financial benefit supplementary service provider 970, in cooperation with the ledger system (or financial system), when the financial benefits supplementary service fund 970 information is re-established / ) Or an additional service ledger 970 log information corresponding to the above-mentioned Financial Benefit Additional Service Ledger 970 information that has been reset / modified by the Financial Benefit Additional Service Ledger 970, And a log information storage unit 955 (or log information storage means) for storing the additional service log D / B (not shown) in the financial system The supplementary service log D / B (not shown) is either the supplementary service management ledger 975 or a storage area included in the supplementary service management ledger 975, or is associated with the supplementary service management ledger 975 It is preferable to include a separate database.

If the financial benefits supplementary service ledger 970 is added / deleted by the supplementary service ledger add / delete part 950, the log information storage part 955 stores the added / (970) corresponding to the addition / deletion of the financial benefits supplementary service ledger (970) in association with the ledger system (or financial system) Information is generated and stored in the additional service log D / B provided in the ledger system (or financial system).

Alternatively, if the financial benefit additional service ledger 970 information is reset / modified in the financial benefits supplementary service ledger 970 by the supplementary service storage unit 945, the log information storage unit 955 stores, (Or financial system), confirms the reconfigured / modified financial benefits supplementary service ledger 970, and reconfigures / reconfigures the financial benefits supplementary service ledger 970 in conjunction with the ledger system (or financial system) And generates the corresponding additional service ledger 970 log information to be stored in the additional service log D / B provided in the ledger system (or the financial system).

Referring to FIG. 9 according to an embodiment of the present invention, the complex account operating system includes a wired terminal or a wireless terminal for requesting a non-face-to-face transaction to provide a temporary financial benefit function for the complex account, (Not shown), and a call terminal (not shown), wherein the client terminal 995 requests a provision of a temporary financial benefit for the complex account The client terminal 995 may be the same as or different from the client terminal 995, and thus the present invention is not limited thereto.

According to an embodiment of the present invention, when requesting a non-face-to-face transaction to provide a temporary financial benefit function for the complex account at the client terminal 995 including at least one of the wired terminal and the wireless terminal, Facsimile transaction server 900 through a wired communication network or a wireless communication network and provides a temporary financial benefit function for the complex account through one or more non-face-to-face transaction interfaces provided by the non- (Or selecting) the transaction request information for the non-face-to-face transaction and transmits the transaction request information to the non-face-to-face transaction server 900 provided on the complex account operating system through the communication network.

According to another embodiment of the present invention, when the non-face-to-face transaction providing the temporary financial benefit function for the complex account is requested by the financial automatic machine (not shown), the financial automatic machine (not shown) Face transaction interface for inputting (or selecting) transaction request information for a non-face-to-face transaction providing a temporary financial benefit function for the account, and the non-face-to- (Or selects) the transaction request information for the non-face-to-face transaction providing the temporary financial benefit function for the complex account and transmits the transaction request information to the non-face-to-face transaction server 900 provided on the complex account operation system through the communication network It is preferable that the function is provided.

According to another embodiment of the present invention, when a call terminal (not shown) requests a non-face-to-face transaction providing a temporary financial benefit function for the complex account, the call terminal (not shown) Face transaction server 900 via the network and the mobile communication network and provides a temporary financial benefit function for the complex account through one or more voice-based non-face-to-face transaction interfaces provided by the non-face- (Or selecting) the transaction request information for the non-face-to-face transaction and provides the transaction request information to the non-face transaction server 900 provided on the complex account operating system.

Hereinafter, a non-face-to-face transaction requesting a non-face-to-face transaction providing a temporary financial benefit function for the complex account is referred to as the client terminal 995 and a non-face-to-face transaction providing a temporary financial benefit function for the complex account is processed The configuration will be described. However, in the present invention, the terminal device requesting the non-face-to-face transaction providing the temporary financial benefit function for the complex account is not limited to the client terminal 995, It is clear that the terminal device requesting the non-face-to-face transaction includes all kinds of terminal devices capable of inputting (or selecting) the transaction request information to the non-face-to-face transaction server 900. [

9, the non-face-to-face transaction server 900 may be configured to communicate with the client terminal 995 through the interface unit 905, for non-face-to- (Or selects) the transaction request information for the non-face-to-face transaction providing the temporary financial benefit function for the complex account at the client terminal 995 and transmits the transaction request information to the non-face transaction server 900 (Or extracting) one or more non-face-to-face transaction interfaces for providing the non-face-to-face transaction interface to the client terminal 995 in association with the interface unit 905, 915) (or an interface providing means), and a temporary financial solution for the complex account through the non-face-to-face transaction interface at the client terminal 995 (Or selecting) the transaction request information for the non-face-to-face transaction to provide the transaction request information to the client terminal 995 in cooperation with the interface unit 905, 920) (or information receiving means).

The interface providing unit 915 connects the communication channel with the non-facing transaction server 900 through the interface unit 905 and transmits the combined signal to the non-facing transaction server 900 Face transaction interface for a non-face-to-face transaction that provides a temporary financial benefit function for the account, the transaction terminal 1001 transmits transaction request information for a non-face-to-face transaction providing the temporary financial benefit function for the complex account at the client terminal 995 Facsimile transaction interface for inputting (or selecting) one or more non-face-to-face transactions to the non-face transaction server 900 through the communication network and extracting the interface from the database (not shown) And provides the generated (or extracted) non-facing transaction interface to the client terminal 995 through the communication network It shall be.

According to an embodiment of the present invention, when the client terminal 995 is a wired terminal connected to a wired communication network, the interface providing unit 915 may be provided as a browser program or a communication program provided in the client terminal 995 (Or extracts) a non-face-to-face transaction interface, and provides the generated (or extracted) user interface to the client terminal 995 through the interface unit 905.

According to another embodiment of the present invention, when the client terminal 995 is a wireless terminal connected to a wireless communication network, the interface providing unit 915 may be a browser program or a communication program provided in the client terminal 995 (Or extracts) a non-face-to-face transaction interface that can be provided, and provides the generated (or extracted) user interface to the client terminal 995 through the interface unit 905.

According to another embodiment of the present invention, when the client terminal 995 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 915 transmits (Or extracts) a non-face-to-face transaction interface (for example, a voice-based user interface or a graphical user interface that can be output through the screen output means provided in the call terminal) And provides the generated (or extracted) user interface to the call terminal (not shown).

(Or selecting) the transaction request information to the client terminal 995 according to another embodiment of the present invention and transmitting the transaction request information to the non-facing transaction server 900 through the communication network. (Or extracts) the non-face-to-face transaction interface and provides the non-face-to-face transaction interface to the client terminal 995 when the terminal device transmitting the transaction request information is a financial automation device (not shown) 915) may be omitted, so that the present invention is not limited thereto.

When the client terminal 995 inputs (or selects) the transaction request information for the non-face-to-face transaction, which provides the temporary financial benefit function to the complex account via the non-face-to-face transaction interface, And receives transaction request information in association with the interface unit 905. [

Here, the non-face-to-face transaction that can be provided through the transaction request information includes a demand ledger included in the multiple account ledger 985 (or the combined account ledger 985), an accumulation ledger, a landing ledger, a resale linkage ledger, a mileage / coupon ledger Payment of deposits, investment transactions, micro-loans, credit loans, mortgage loans, interest payment on loans, payment settlement, mileage accumulation / coupon issuance, utility bill payment And the like, and it is preferable to include all kinds of financial transactions according to the intention of a person skilled in the art.

The detailed description of the transaction request information of each transaction type can be inferred from a detailed description of the transaction request information, It is to be understood that the present invention is not limited by the kind.

9, when the transaction request information is received through the information receiving unit 920, the non-facing transaction server 900 reads the received transaction request information, And a validity confirmation unit 925 (or validity confirmation means) for confirming whether the non-face-to-face transaction validity that provides the temporary financial benefit function for the transaction is satisfied.

According to the embodiment of the present invention, when the transaction request information is encrypted according to the encryption / decryption method, the validity checking unit 925 decrypts the transaction request information according to the encryption / decryption method, Face transaction validity that provides a temporary financial benefit function to the multiple account through the compound account.

Alternatively, when the electronic signature is attached to the transaction request information, the validity checking unit 925 confirms the electronic signature attached to the transaction request information so that the transaction request information is temporarily stored in the compound account It is desirable to verify that the non-face-to-face transaction validity that provides the financial benefit function is satisfied.

Those skilled in the art will appreciate that the technical characteristics of various decoding methods for decoding the encrypted transaction request information and the technical characteristics of confirming the digital signature attached to the transaction request information And a detailed description thereof will be omitted for the sake of convenience.

According to the method of the present invention, the non-face-to-face transaction validity check, which provides a temporary financial benefit function for the complex account through the complex account, can be performed by a ledger system (or financial system) And checking whether at least one ledger matched with the transaction request information is already registered.

For example, the non-face-to-face transaction validity check, which provides a temporary financial benefit function for the complex account through the complex account, may be performed when the account information included in the transaction request information is a general ledger system (or financial system) (985) (or the internal ledger included in the multiple account ledger (985)), the installment ledger, the redeemed ledger, the resale linkage ledger, the mileage / coupon ledger, ), And if the ledger matching the transaction request information is registered in the ledger system (or financial system) (or the financial system), the transaction request information is stored in the composite account To ensure that non-face-to-face transaction validity, which provides a temporary financial benefit for the complex account desirable.

In the case where non-face authentication information is included in the transaction request information according to the embodiment of the present invention, the non-face transaction validity check, which provides the temporary financial benefit function for the complex account through the compound account, And the like.

9, when the transaction request information is received through the information receiving unit 920, the non-facing transaction server 900 transmits the transaction request information to the non- The service target supplementary service ledger 970 and the financial benefit supplementary service ledger 970 added / deleted through the supplementary service ledger add / delete unit 950 or reset / modified by the supplementary service storage unit 945, And an additional service ledger confirmation unit 960 (or an additional service ledger 970 confirmation means) for confirming the additional service ledger 970.

When the transaction request information is received from any one of the client terminal 995, the financial automatic machine (not shown), and the call terminal (not shown) via the information receiving unit 920, (970) for storing the additional service ledger (970) information to be used in the non-face-to-face transaction process in connection with the ledger system (or financial system) through the received transaction request information .

According to an embodiment of the present invention, the additional service ledger identification unit 960 reads the additional service ledger 970 log information stored in the additional service log D / B provided in the ledger system (or financial system) It is desirable to identify one or more of the additional service ledgers 970 that store the additional service ledger 970 information to be used in the face-to-face transaction process.

The non-face trades corresponding to the transaction request information among the plurality of additional service ledgers 970 provided in the ledger system (or the financial system) It is possible to deduce at least one kind of the additional service ledger 970 that stores information of the additional service ledger 970 to be used in the face-to-face transaction process. The present invention can be applied to the type of the additional service ledger 970 Quot; is not intended to be limiting.

The supplementary service ledger confirmation unit 960 is connected to the combined account ledger 985 to the customer ledger 990 by the supplementary service ledger add / delete unit 950 in cooperation with the ledger system (or financial system) The financial benefit supplementary service ledger 970 in which the addition / deletion financial benefit supplementary service ledger 970 or the addition / deletion ledger information is reset / modified by the supplementary service storage 945, (970) which is added / deleted or not reset / modified to the customer ledger (985) to the customer ledger (990) but maintains the added state.

According to the embodiment of the present invention, the additional service ledger identification unit 960 reads log information of the additional service ledger 970 stored in the additional service log D / B provided in the ledger system (or financial system) The financial benefits supplementary service ledger 970 added or deleted to the compound ledger 985 or the customer ledger 990 by the service ledger add / Addition / deletion ledger information is not added / deleted or reset / modified to the reconfigured / modified financial benefits supplementary service ledger 970 or the multiple account ledger 985 to the customer ledger 990, It is desirable to identify the Financial Benefit Supplementary Service Director (970).

Referring to FIG. 9, the non-facing transaction server 900 determines that the supplementary service ledger adding / deleting unit 950 adds / Or the financial benefit supplementary service ledger 970 information is stored in the financial benefits supplementary service ledger 970 by the supplementary service storage unit 945, If there is a financial benefit supplementary service ledger 970 that is added / deleted or not reset / modified in the ledger 990 but maintains the added service liability 970, the financial benefit supplementary service maintains the attribute / condition corresponding to the service liability 970 information And provides the temporary financial benefit function for the complex account through the transaction request information. The financial benefit supplementary service provider 950 adds / A temporary financial benefit function for the complex account corresponding to the transaction request information through the basic attribute / condition set in the complex account ledger 985 instead of the deleted financial benefit supplementary service information 970 And a transaction processing unit 965 (or transaction processing means) for providing the transaction processing unit 965. [

As a result of the confirmation by the supplementary service ledger confirmation unit 960, when one or more additional service ledger 970 storing the supplementary service ledger 970 information to be used in the non-facing transaction process corresponding to the transaction request information is confirmed, The transaction processing unit 965 is a transaction processing unit that is provided in the compound account ledger 985 (or the combined account ledger 985 or the combined account ledger 985), such as a demand ledger, an accumulative ledger, a deferred ledger, a resale link ledger, a mileage / coupon ledger, Face transaction corresponding to the transaction request information by preferentially applying the attribute / condition of the at least one using-subject supplementary service ledger (970) identified above to the basic attribute / condition of the transaction In the case of the additional service ledger 970 which is used in the non-face-to-face transaction process corresponding to the request information but not confirmed by the additional service ledger identification unit 960, The transaction processing unit 965 is a processing unit for processing the payment amount of the inside of the complex account ledger 985 (or the inside of any one of the demand ledger, the accumulation ledger, the deferred ledger, the resale linkage ledger, the mileage / coupon ledger, Face transaction corresponding to the transaction request information through the basic attribute / condition of the non-face-to-face transaction.

The service providing unit 960 may be added by the service adding / deleting unit 950 to the service providing unit 960 according to an embodiment of the present invention, The financial benefit supplementary service repository 970 information is stored in the financial benefits supplementary service provider 970 by the supplementary service storage unit 945 or the addition / (970) to the ledger system (or financial system) if there is a financial benefit supplementary service ledger 970 that has been added, deleted or re-established / A financial benefit supplementary service ledger 970 including information on a valid financial benefit supplementary service ledger 970 for providing the financial assistance 970 is provided, The transaction processing unit 965 has been added to the multiple account ledger 985 to the customer ledger 990 so that the combined account ledger 985 or the combined account ledger 985 or the customer ledger 990, (970) is preferentially applied to the transaction request information by preferentially applying the attribute / condition of the Financial Benefit Supplementary Service Director (970) to the basic attributes / conditions of the transaction request information, the interim ledger, the resale linkage ledger, the mileage / coupon ledger, And provides a temporary financial benefit function for the corresponding complex account.

According to the method of the present invention, any one of the multiple demand ledger 985 (or the demand ledger included in the multiple account ledger 985, the accumulative ledger, the landing ledger, the resale linkage ledger, the mileage / coupon ledger, (Or the internal ledger of the multiple account ledger 985), the transaction processor 965 adds the financial liens supplementary service ledger 970 to the compound ledger 985 (or the demand ledger included in the multiple account ledger 985, (Or the internal ledger of any one of the mileage / coupon ledger, micro lending director), as well as the basic attributes / conditions of the multiple account ledger 985 (or the demand ledger included in the multiple account ledger 985) (970) which is added to the additional service ledger (970) to be added to the service ledger (930), which is added to the maintenance ledger Whereby one or more financial benefits corresponding to the type of financial benefit are temporarily stored in the multiple account (or any one of the demand account, the deposit account, the settlement account, the resale connection, the mileage / coupon, .

If it is determined that the service extension 950 is deleted by the service addition / deletion unit 950 as a result of the identification of the service extension 960 according to another embodiment of the present invention, The financial benefit supplementary service ledger 970 for providing the temporary financial benefit through addition / deletion of the supplementary service ledger 970 does not exist in the ledger system (or the financial system), and the multiple account ledger 985 The transaction processing unit 965 determines that the financial benefit supplementary service ledger 970 has been deleted from the customer ledger 990 or the customer ledger 990. The transaction processing unit 965 then transfers the service withdrawal request to the combined account ledger 985 (or the demand ledger included in the multiple account ledger 985) , The attribute / condition of the deleted financial benefit supplementary service ledger 970 from the internal ledger of any one of the credit accumulation ledger, the reimbursement ledger, the resale linkage ledger, the mileage / coupon ledger, Through the basic attributes / trading conditions corresponding to request information that is characterized in that it provides temporary financial benefit function for the combined account.

FIG. 10 is a diagram illustrating a process for requesting a temporary financial benefit function setting of a complex account by adding / deleting an additional service ledger 970 according to an embodiment of the present invention.

In more detail, FIG. 10 is a flow chart illustrating a method for providing a non-face-to-face transaction to a composite account for non-face-to-face transactions, which is opened on the multiple account ledger system 985 shown in FIG. 2 or FIG. 6 through the financial account opening system shown in FIG. 1 or FIG. 9 is a process for requesting to add / delete or reset / modify the financial benefit additional service ledger 970 for providing a temporary financial benefit through addition / deletion of the service ledger 970. Specifically, And transmits the financial benefit request information to the non-facing transaction server 900 in step 995 to request provision of a temporary financial benefit for the complex account.

Those skilled in the art will appreciate that various modifications and variations of the process of requesting the provision of the temporary financial benefit function of the complex account by adding / deleting the additional service ledger 970 with reference to and / It is to be understood that the invention may be practiced with other modes of practicing the invention (for example, omitting some of its components, or subdividing, or combining practice) The technical characteristics thereof are not limited.

For example, those skilled in the art will be able to refer to and / or modify the FIG. 10 to provide a temporary financial benefit for the compound account via a financial automation device or a call terminal other than the client terminal 995 Or requesting provision of temporary financial benefits to the non-facing transaction server (900) from one or more affiliate servers (993) affiliated with the non-facing transaction server (900) , Or a method of determining to set the temporary financial benefit function of the complex account by adding / deleting the supplementary service ledger (970) in accordance with the internal policy in the non-facing transaction server (900) And that all of the above-described possible embodiments are included.

Hereinafter, in FIG. 10, the client terminal 995 on the complex account management system shown in FIG. 9 is referred to as a "terminal" for convenience, and the non-facing transaction server 900 is referred to as a "server" for convenience.

Referring to FIG. 10, the terminal accesses the server through a communication network and connects a communication channel. The terminal adds a non-face-to- Non-face authentication is performed through authentication information (1000).

According to the embodiment of the present invention, the terminal accesses the server and registers the ID / PW and / or the authorized certificate (or the registered ID / PW and / or the registered certificate) for setting the temporary financial benefit function of the complex account by adding / Face authentication for setting the temporary financial benefit function of the complex account through addition / deletion of the supplementary service ledger 970 through the other authentication certificate (for example, a certificate).

If the non-face-to-face authentication for setting the temporary financial benefit function of the combined account by adding / deleting the additional service ledger 970 is confirmed 1005, the terminal adds / deletes the additional service ledger 970 to the server Requesting (1010) a web page for setting up a temporary financial benefit function of the complex account, and correspondingly the server is configured to provide one or more web pages (Or extracts) 1015 a web page including at least one financial benefit request interface from the terminal, and transmits one or more web pages including one or more financial benefit request interfaces to the terminal according to a predetermined web page providing procedure in operation 1020, Wherein the financial benefit request information is transmitted through one or more financial benefit request interfaces included in the received and outputted web pages, (1025).

If the financial benefit request information is input (or selected) through the financial benefit request interface 1030, the terminal transmits the input (or selected) financial benefit request information to the server through a communication channel 1035 The server receives the financial benefit request information through the communication channel, and then adds / deletes the supplementary service ledger 970 through the financial benefit request information to provide a temporary financial benefit function The setting validity is checked (1040).

According to an embodiment of the present invention, when the financial benefit request information is encrypted according to an encryption / decryption method, the server decrypts the financial benefit request information according to the encryption / decryption method, It is desirable to confirm whether the supplementary service ledger (970) satisfies the validity for setting the temporary financial benefit function of the complex account through addition / deletion.

Alternatively, when an electronic signature is attached to the financial benefit request information, the server confirms the electronic signature attached to the financial benefit request information so that the financial benefit request information is added / deleted through the additional service ledger 970 It is desirable to verify that the composite account satisfies the validity for setting the temporary financial benefit function.

Those skilled in the art will appreciate that the technical characteristics of various decryption methods for decrypting the encrypted financial benefit request information and the technical features of confirming the digital signature attached to the financial benefit request information The detailed description thereof will be omitted for the sake of convenience.

According to the method of the present invention, the non-face-to-face transaction validity check through the financial benefit request information is performed by one or more ledgers matching the financial benefit request information in a ledger system (or a financial system) And confirming whether or not it is registered.

For example, the non-face-to-face transaction validity check through the financial benefit request information may be performed when the account information contained in the financial benefit request information is transmitted to the multiple account ledger 985 (or the financial institution) on the ledger system Or an internal ledger included in the multiple account ledger 985, which is included in the demand ledger, the accumulation ledger, the landing ledger, the resale linkage ledger, the mileage / coupon ledger, and the microfinance ledger) , And if the ledger matched with the financial benefit request information is registered in the ledger system (or financial system), the financial benefit request information may include a temporary financial benefit function of the complex account by adding / deleting the additional service ledger 970 It is preferable to confirm whether or not the validity for setting is satisfied.

In the case where non-face authentication information is included in the financial benefit request information according to an embodiment of the present invention, it is preferable that the non-face transaction validity check based on the financial benefit request information further comprises authenticating the non-face authentication information Do.

If the validity of setting the temporary financial benefit function by adding / deleting the additional service ledger 970 is not authenticated (1045), the server generates non-facing transaction error information and transmits it to the terminal (1050).

On the other hand, if the validity of setting the temporary financial benefit function by adding / deleting the supplementary service ledger 970 is authenticated (1045), the server displays the financial benefit supplementary service 970) is added / deleted or reset / modified.

FIG. 11 is a diagram illustrating a process of adding or resetting / modifying a financial benefit supplementary service ledger 970 for providing a temporary financial benefit function for a complex account according to an embodiment of the present invention.

FIG. 11 is a flowchart illustrating a process of receiving financial benefit request information from a client terminal 995 or receiving the financial benefit request information from an affiliate server 993 through the process shown in FIG. 10, When the financial benefit request information is confirmed in the transaction server 900 in accordance with the internal policy, the non-face transaction server 900 shown in FIG. 9 performs the non- It is also possible to add a financial benefit supplementary service fund 970 corresponding to the financial benefit request information to the multiple account ledger 985 to the customer ledger 990 corresponding to the multiple account, 990, the information of the financial benefit supplementary service director 970 is added / corrected. In the technical knowledge field of the present invention, (See, for example, part (s)) of adding or re-establishing / modifying the financial benefit additional service ledger 970 for providing a temporary financial benefit function for the compound account, by referring to and / It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood that the invention is not limited to the disclosed embodiments, .

Hereinafter, in FIG. 11, the non-facing transaction server 900 on the complex account management system shown in FIG. 9 is referred to as a "server" for the sake of convenience.

Referring to FIG. 11, when the financial benefit request information is received from the client terminal 995 through the process shown in FIG. 10, the financial benefit request information is received from the affiliate server 993, or the non- If the financial benefit request information is confirmed in the server 900 according to the internal policy, the server reads the financial benefit request information and responds to the non-face-to-face transaction multiple account for providing a temporary financial benefit function for the complex account (950) corresponding to the financial benefit request information to the multiple account ledger (985) to the customer ledger (990) or to add the financial benefit additional service ledger (970) to the multiple account ledger (985) The additional financial benefits (970) are checked to determine whether to reset / modify the information (1100).

According to an embodiment of the present invention, the server is connected to the compound account (985) to the customer ledger (990) corresponding to the non-face-to-face transaction multiple account in cooperation with the ledger system The financial benefits supplementary service director 970 is added to the multiple account ledger 985 and the customer ledger 990 to confirm that the financial benefit supplementary service director 970 has been added to provide the temporary financial benefit function It is confirmed that the financial benefits supplementary service ledger 970 is added to the multiple account ledger 985 or the customer ledger 990 in order to provide the temporary financial benefit function for the complex account .

In accordance with another embodiment of the present invention, a financial benefit supplementary service provider for providing a temporary financial benefit function to the complex account ledger 985 to the customer ledger 990 corresponding to the non-face- (970), the server receives from the multiple account ledger (985) or the customer ledger (990) the financial benefit supplementary service ledger (900) to provide the temporary financial benefit function for the complex account 970) or confirm whether to reset / modify part (or all) of the financial benefit supplementary service ledger 970 ledger information stored in the financial liability supplementary service ledger 970.

If it is confirmed that the financial benefits supplementary service ledger 970 is added (or reset / modified) (1105), the server receives the financial benefits (Or reset / modify) target financial supplementary service ledger 970 information including at least one additional (or reset / modified) target information item corresponding to the request information (1110).

If the reconfirmation / amendment of the financial benefits supplementary service information 970 is confirmed 1115, the server may be connected to the composite account ledger 985 or the customer ledger 930, the service reimbursement supplementary service supplementary unit 970 of the one or more additional service fund 970 is confirmed (step 1120).

If one or more of the reconfiguration / modification target financial supplementary service supplementary service ledgers 970 are confirmed 1125, the server notifies the service fund 970 of the reconfiguration / (Or all) of the financial benefits supplementary service 970 through information of the financial benefits supplementary service provider 970 and stores the updated information in the financial benefits supplementary service fund 970 in association with the ledger system (or financial system) And generates the additional service ledger 970 log information corresponding to the modification and processes it so as to be stored in the additional service log D / B provided in the ledger system (or the financial system) (1135).

If it is confirmed that the financial benefit supplementary service ledger 970 is newly added 1115 without reconfiguration / modification of the service liability 970 information, To be added to the compound ledger 985 to the customer ledger 990 in response to the generated financial benefit supplementary service ledger information 970 by the supplementary service ledger information generating unit 935. [ A ledger 970 is generated (1140).

If the additional financial support supplementary service ledger 970 corresponding to the Financial Benefit Supplementary Service Leader 970 information is created 1145 in the ledger system (or financial system) In step 1150, the created financial benefit supplementary service fund 970 is stored in the generated service fund 970. [

If the financial benefits supplementary service ledger 970 information is stored in the supplementary target financial supplementary service supplementary service 970 in step 1155, the server transmits, in cooperation with the ledger system (or financial system) (970) to be added to the multiple account ledger (985) to the customer ledger (990) corresponding to the non-face-to-face transaction multiple account (1160).

According to an embodiment of the present invention, the server activates one or more additional target service ledgers 970 through an additional service management ledger 975 provided in the ledger system (or financial system) It is preferable to process the ledger 970 so as to be added to the multiple account ledger 985 to the customer ledger 990. [

Thereafter, the server generates log information of the additional service ledger 970 corresponding to the addition of the financial liens supplementary service ledger 970 in association with the ledger system (or the financial system) (1165) so as to be stored in the additional service log D / B.

FIG. 12 is a diagram illustrating a process of deleting a financial benefit additional service ledger 970 for providing a temporary financial benefit function for a complex account according to an embodiment of the present invention.

12 is a flowchart illustrating a process of adding the financial benefits service ledger 970 to the combined account in the process shown in FIG. 11 when the addition (or reset / modification) of the financial benefit supplementary service ledger 970 is not confirmed Face transaction server 900 shown in FIG. 9 to provide a temporary financial benefit function for the complex account, the non-face-to-face transaction server 900 shown in FIG. The process of confirming the financial benefit supplementary service ledger 970 and deleting the confirmed deletion target financial benefit supplementary service ledger 970 from the multiple account ledger 985 or the customer ledger 990, Those skilled in the art will appreciate that reference to and / or modification of FIG. 12 may be used to provide financial assistance for the provision of temporary financial benefits to the compound account It will be appreciated that various implementations of the deletion process (e. G., Some steps may be omitted or alternate procedures) may be inferred from the deletion process of the service extension 970, but the present invention includes all the above- And the technical features thereof are not limited only by the method shown in FIG.

Hereinafter, in FIG. 12, the non-facing transaction server 900 on the complex account management system shown in FIG. 9 is referred to as a "server" for the sake of convenience.

Referring to FIG. 12, in the process shown in FIG. 11, if it is not confirmed that the financial benefit additional service ledger 970 is added (or reset / modified) to provide the temporary financial benefit function for the complex account, The deletion target financial benefit supplementary service provider 970 of the one or more supplementary service ledgers 970 added to the combined account ledger 985 to the customer ledger 990 in cooperation with the ledger system (or financial system) (1200).

According to the embodiment of the present invention, the server confirms the financial benefit expiration date and time information included in the financial benefits supplementary service information 970, and when the expiration date of the financial benefit arrives (or elapses) It is desirable to confirm that the financial benefit additional service ledger 970 is deleted from the ledger 985 to the customer ledger 990. [

If the deletion target financial benefit additional service ledger 970 is confirmed in step 1205, the server is connected to the ledger system (or the financial system) and received from the multiple account ledger 985 or the customer ledger 990 And deletes at least one deletion target financial benefit supplementary service ledger 970 from the at least one deletion target financial support service provider 970 in correspondence with deletion of the financial benefits supplementary service ledger 970 in connection with the ledger system Information to be stored in the additional service log D / B provided in the ledger system (or the financial system) (1215).

FIG. 13 is a diagram illustrating a transaction request process for providing a temporary financial benefit function for a complex account according to an embodiment of the present invention.

FIG. 13 is a flowchart illustrating an example of a financial benefits supplementary service ledger 970 for providing a temporary financial benefit by adding / deleting the supplementary service ledger 970 through the complex account operation process shown in FIG. 11 or FIG. After the addition / deletion or reset / modification to the multiple account ledger 985 to the customer ledger 990 corresponding to the non-face-to-face complex account, the client terminal 995 shown in FIG. 2 or FIG. Face transaction requesting a non-face-to-face transaction to provide a temporary financial benefit function to the complex account to the server 900, and those skilled in the art will be able to refer to and / Or variations thereof, to provide a transitory financial benefit function for the compound account (e.g., some of the components may be omitted, or subdivided, or summed, Would be able to infer how binary embodiment), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 13.

Hereinafter, in FIG. 13, the client terminal 995 on the compound account management system shown in FIG. 9 is referred to as a "terminal" for convenience, and the non-facing transaction server 900 is referred to as a "server" for convenience. However, the terminal device requesting the non-face-to-face transaction providing the temporary financial benefit function for the complex account is not limited to the client terminal 995, and the terminal device may provide a temporary financial benefit function for the complex account And all terminal devices capable of requesting non-face-to-face transactions to be provided.

Referring to FIG. 13, the terminal accesses the server through a communication network to connect a communication channel, and transmits the non-face-to-face transaction information Face authentication is performed (1300).

According to an embodiment of the present invention, the terminal accesses the server and registers the registered ID / PW and / or the authorized certificate (or other certificate) for the non-face-to-face transaction providing the temporary financial benefit function for the complex account Face authentication for non-face-to-face transactions that provides a temporary financial benefit function for the complex account.

If the non-face-to-face authentication for non-face-to-face transaction providing the temporary financial benefit function for the complex account is confirmed (1305), the terminal notifies the server of a non-face-to- (Or extracts) 1315 one or more web pages including one or more non-face-to-face transaction interfaces for requesting (1310) a web page and correspondingly the server inputting (or selecting) the transaction request information, And transmits one or more web pages including one or more non-face-to-face transaction interfaces to the terminal according to a predetermined web page providing procedure (step 1320), and the terminal transmits the one or more web pages to one or more web pages (Or selects) the transaction request information through at least one non-face-to-face transaction interface (step 1325).

If the transaction request information is input (or selected) through the non-facing transaction interface (1330), the terminal transmits (1335) the inputted (or selected) transaction request information to the server through a communication channel, In response, the server receives the transaction request information through the communication channel, and confirms the non-face-to-face transaction validity of providing the temporary financial benefit function to the complex account through the transaction request information (1340).

According to the method of the present invention, when the transaction request information is encrypted according to the encryption / decryption method, the server decrypts the transaction request information according to the encryption / decryption method, It is desirable to verify that the transaction satisfies the non-face-to-face transaction validity that provides the temporary financial benefit function for the multiple account.

Alternatively, if an electronic signature is attached to the transaction request information, the server confirms the electronic signature attached to the transaction request information so that the transaction request information provides a temporary financial benefit function for the multiple account through the compound account It is desirable to confirm whether the non-face-to-face transaction validity satisfies.

Those skilled in the art will appreciate that the technical characteristics of various decoding methods for decoding the encrypted transaction request information and the technical characteristics of confirming the digital signature attached to the transaction request information And a detailed description thereof will be omitted for the sake of convenience.

According to the method of the present invention, the non-face-to-face transaction validity check that provides the temporary financial benefit function to the complex account through the complex account is performed by matching the transaction request information with the [ledger system] And confirming that at least one ledger is already registered.

For example, non-face-to-face transaction validation that provides a temporary financial benefit function for a complex account through the complex account is performed when the account information included in the transaction request information is stored in a multiple account on the [ledger system] (985) (or an internal ledger included in a multiple account ledger (985), a demand ledger, an accumulation ledger, a landing ledger, a resale linkage ledger, a mileage / coupon ledger, or a microfinance ledger) When the ledger matched with the transaction request information is registered in the [ledger system], the transaction request information is a non-face-to-face transaction providing the temporary financial benefit function for the complex account through the complex account It is preferable to confirm whether or not the validity is satisfied.

In the case where non-face authentication information is included in the transaction request information according to the embodiment of the present invention, the non-face transaction validity check, which provides the temporary financial benefit function for the complex account through the compound account, And the like.

If the non-face-to-face transaction validity providing the temporary financial benefit function for the complex account is not authenticated (1345), the server generates non-face-to-face transaction error information and transmits it to the terminal (1350).

On the other hand, if the non-face-to-face transaction validity providing the temporary financial benefit function for the complex account is authenticated (1345), the server accesses the complex account through the non-face- Non-face-to-face transactions that provide a temporary financial benefit to the entity.

FIG. 14 is a diagram illustrating a non-face-to-face transaction process for providing a temporary financial benefit function for a complex account according to an embodiment of the present invention.

14, when the transaction request information for the non-face-to-face transaction providing the temporary financial benefit function for the compound account is received in the transaction request process shown in FIG. 13, the non-face- One or more service target addition service ledgers 970 to be used in the non-face-to-face transaction process in the server 900 and a financial benefit supplementary service 970 added / deleted / reset / modified in the complex account operation process shown in FIG. Face transaction to provide a temporary financial benefit function for the compound account through the identified one or more additional service ledgers 970 and the financial benefits supplementary service ledger 970 Those skilled in the art will be able to refer to and / or modify the FIG. 14 to determine the date and time It will be appreciated that various implementations of the non-face-to-face transaction process that provide the financial benefit function (e.g., omitting some steps or alternating orders) may be inferred, but the present invention encompasses all of the above- And the technical features thereof are not limited only by the method shown in FIG.

Hereinafter, in FIG. 14, the client terminal 995 on the complex account management system shown in FIG. 9 is referred to as a "terminal" for convenience, and the non-facing transaction server 900 is referred to as a "server" for convenience. However, the terminal device requesting the non-face-to-face transaction providing the temporary financial benefit function for the complex account is not limited to the client terminal 995, and the terminal device may provide a temporary financial benefit function for the complex account And all terminal devices capable of requesting non-face-to-face transactions to be provided.

Referring to FIG. 14, when transaction request information for a non-face-to-face transaction, which provides a temporary financial benefit function for the complex account, is received in the transaction request process shown in FIG. 13, (At step 1400) one or more additional service ledgers 970 for storing the additional service ledger 970 to be used in the non-face-to-face transaction process in connection with the received transaction request information.

According to the embodiment of the present invention, the server reads log information of the supplementary service ledger 970 stored in the supplementary service log D / B provided in the ledger system (or the financial system) It is desirable to identify one or more of the subject supplementary service ledgers 970 that store the service ledger 970 information.

The non-face trades corresponding to the transaction request information among the plurality of additional service ledgers 970 provided in the ledger system (or the financial system) It is possible to deduce at least one kind of the additional service ledger 970 that stores information of the additional service ledger 970 to be used in the face-to-face transaction process. The present invention can be applied to the type of the additional service ledger 970 Quot; is not intended to be limiting.

If one or more of the service target additional service ledgers 970 for storing the additional service ledger 970 information to be used in the non-face-to-face transaction process is confirmed (1405), the server is connected to the ledger system (or financial system) The financial benefit supplementary service ledger 970 added to or deleted from the compound ledger 985 to the customer ledger 990 through the complex account operation process shown in FIG. 11 or FIG. 12, (1410), the financial benefit supplementary service ledger 970 in which the financial benefit supplementary service information 970 is reset / modified through the combined account operation process.

According to the embodiment of the present invention, the server reads log information of the additional service ledger 970 stored in the additional service log D / B provided in the ledger system (or the financial system) The financial benefits supplementary service ledger 970 added to or deleted from the multiple account ledger 985 or the customer ledger 990 through the complex account operation process of the combined account, It is preferable that the financial benefit supplementary service rector 970 is confirmed to have the reimbursement / modification of the financial benefit supplementary service reimbursement 970 information.

As a result of the confirmation, if the financial benefit supplementary service fund 970 newly added to the compound ledger 985 or the customer ledger 990 through the complex account operation process shown in FIG. 11 or FIG. 12, Or if the deleted financial benefits supplementary service ledger 970 whose information on the financial benefits supplementary service ledger 970 has been reset / modified through the compound account operation process shown in FIG. 12 is not confirmed 1415, (Or financial system) is not newly added or reset / modified in the multiple account ledger 985 or the customer ledger 990 through the multiple account operation process shown in FIG. 11 or FIG. 12, And confirms the financial benefits supplementary service director 970 to be maintained (1420).

According to the embodiment of the present invention, the server reads log information of the additional service ledger 970 stored in the additional service log D / B provided in the ledger system (or the financial system) It is preferable that the financial benefit supplementary service director 970 that has not been newly added or reset / modified in the multiple account ledger 985 or the customer ledger 990 but maintained in the added state is confirmed through the complex account operation process.

As a result of the confirmation, if the financial account is not newly added or reset / modified in the composite account ledger 985 or the customer ledger 990 through the compound account operation process shown in FIG. 11 or FIG. 12, If the additional service ledger 970 is not confirmed 1425, the server receives the financial benefits deleted from the multiple account ledger 985 or the customer ledger 990 through the multiple account operation process shown in FIG. 11 or FIG. And confirms the additional service ledger 970 (1430).

If it is determined in step 1435 that the financial benefits supplementary service ledger 970 is deleted from the compound ledger 985 or the customer ledger 990 through the combined account operation process shown in FIG. 11 or FIG. 12, , The server may associate attribute / condition information corresponding to the identified one or more use subject supplementary service ledgers 970 and the deleted financial benefit supplementary service ledger 970 in association with the ledger system (or financial system) Is included in the multiple account ledger 985 (or the internal ledger of any one of the demand ledger, the accrued ledger, the diversion ledger, the resale link ledger, the mileage / coupon ledger, and the microfinance ledger included in the multiple account ledger 985) After confirming the basic property / condition information of the complex account (1440), the property / condition information corresponding to the identified using object addition service ledger 970 and the basic property / condition information of the complex account Face transaction corresponding to the transaction request information is processed (1445).

On the other hand, the financial benefit supplementary service ledger 970 newly added to the multiple account ledger 985 to the customer ledger 990 through the complex account operation process shown in FIG. 11 or FIG. 12, The financial benefits supplementary service ledger 970 whose information on the financial benefits supplementary service place 970 has been reset / modified through the compound account operation process shown in FIG. 11 or 1415 is confirmed (1415) (1425) of the financial benefits supplementary service ledger 970 which is not newly added or reset / modified in the multiple account ledger 985 to the customer ledger 990 through the combined account operation process, The server includes attribute / condition information corresponding to the identified one or more using subject supplementary service ledgers 970 in association with the ledger system (or financial system), and the added (or reset / modified) After confirming the attribute / condition information included in the service charge addition service 970 (1450), the attribute / condition information corresponding to the service utilization additional service ledger 970 identified above and the service / , Preferentially applying the attribute / condition information included in the service liability appraisal service (970) rather than the service target additional service ledger (970) information, Face transaction corresponding to the information is processed (1455).

According to an embodiment of the present invention, the server is further provided with a multi-account ledger 985 (or a multi-account ledger included in the multiple account ledger 985, an accumulation ledger, a deferred ledger, a resale ledger, a mileage / coupon ledger, (Or any other internal ledger included in the multiple account ledger 985), as well as the basic attributes / conditions of the multiple account ledger 985 (or any one internal ledger of the multiple account ledger 985) (Or any one of the internal ledgers of the micro-loan origins), it is preferable to preferentially apply one or more of the additional service ledgers 970 to the combined account (or the demand account included in the multiple account, , Resale linkage, mileage / coupon, and microcredit), one or more financial benefits corresponding to the type of financial benefit are temporarily provided.

(For example, account information corresponding to the non-face-to-face transaction complex account, transaction amount information, and the like) included in the transaction request information if the person skilled in the art is familiar with the present invention It is possible to deduce a technical feature of processing non-face-to-face transactions according to the attribute / condition information, and therefore, a detailed description thereof will be omitted for the sake of convenience.

If the non-face-to-face transaction corresponding to the transaction request information is processed using the confirmed attribute / condition information (1460), the server transmits the non-face-to-face transaction processing result to the terminal (1465).

According to the present invention, a multifunctional transaction function including at least one of a request charge, a deposit formula, a settlement type, a resale linkage, a mileage / coupon, and a microfine loan is provided to one account ledger at the account opening time, It is possible to minimize the production and purchasing costs of the financial system by providing commission adjustment, settlement support, billing / receipt and record information expansion through the additional service ledger detached from the account ledger, There is an advantage of providing new transactions in a non-confrontational way without visiting the institution.

According to the present invention, a multifunctional transaction function including at least one of a request charge, a deposit formula, a settlement type, a resale linkage, a mileage / coupon, and a microfine loan is provided to one account ledger at the account opening time, (Or request, payment, settlement, re-sale, mileage, etc.) included in the account ledger (or account ledger, provided by the account ledger detached from the account ledger, / Coupon, or micro-loan) for a certain period of time by adding / deleting the Financial Benefit Additional Service Ledger for a certain period of time, it is possible to change the contract with a policy or affiliate of the financial institution, There is an advantage in providing temporary financial benefits to the account.

According to the present invention, there is an advantage in securing various marketing channels for the account having the complex transaction function through the provisional financial benefit provided through addition / deletion of the service charge ledger.

Claims (13)

1. A method executed on a server operating a ledger system for managing a customer's account, And a controller for controlling the operation of the banknote management system, wherein the banknote management system comprises: a controller for controlling the banknote management system; ≪ / RTI > Confirming a financial benefit to be temporarily provided to the customer; Configuring an additional service ledger for managing a temporary financial benefit to be provided to the customer on the ledger system when the temporary financial benefit is confirmed; And Connecting the constructed additional service ledger to the internal ledger and recording information corresponding to the temporary financial benefit, Further comprising the step of, when the financial transaction request of the customer is requested, applying the attribute or condition of the supplementary service ledger corresponding to the temporary financial benefit to the attribute or condition of the internal ledger first How to provide financial benefits. delete The method according to claim 1, Confirming that the temporary financial benefit provided to the customer is terminated; Checking, at the end of the temporary financial benefit, an additional service ledger corresponding to the terminated temporary financial benefit on the ledger system; And And disconnecting the connection between the internal ledger and the verified supplementary service ledger. The method of claim 3, Further comprising the step of deleting an additional service ledger corresponding to the terminated financial benefit on the ledger system. delete delete delete delete delete delete delete delete delete

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